vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am submitting this complaint regarding the permanent limitation placed on my PayPal account after receiving a legitimate business payment in the amount of {$5700.00} on XX/XX/year>. Immediately after I received the payment, PayPal temporarily restricted my account and requested identity verification documents in order to restore access. I complied with the request and uploaded the same valid government-issued identification document that had already been successfully used and accepted previously on my account. However, instead of restoring my account, PayPal permanently limited it immediately after I submitted my identification. I believe this action was made in error and without proper justification. Reference ID related to the limitation : XXXX XXXX The transaction involved the legitimate sale and shipment of an air conditioning unit. According to PayPals own Acceptable Use Policy and Restricted Activities policies, air conditioners and HVAC equipment are not prohibited items and are permitted merchandise under PayPals platform policies. Additionally : Transaction amount : {$5700.00} Payment date : XX/XX/year> Carrier : XXXX XXXX Tracking Number : XXXX Delivery status : Successfully delivered to the customer The customer has already received the merchandise successfully and there is no evidence of fraud, prohibited activity, or policy violation connected to this transaction. Furthermore, the payment still appears to be pending within PayPals system, meaning PayPal currently maintains control over the funds while the customer already possesses the delivered merchandise. Because the shipment was successfully delivered, the risk of chargeback or financial liability is substantially reduced. PayPal has not provided any clear explanation identifying the exact policy allegedly violated. I respectfully request CFPB assistance in reviewing this matter because I believe PayPals permanent limitation decision was made in error and is unsupported by the facts surrounding this legitimate transaction. I have attached supporting evidence,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
On XX/XX/year> me and my sister went to go purchase a car with the inner name and he has a co-center with the mutual agreement that it was my car. With a down payment of XXXX from my bank account we got the car. Approximately 6 months later I was having transmission issues and wanted to trade in the car around that time my sister moved out ghosted everyone and threatened to have my car towed. I managed to avoid it and kept up with my payments all the while contacting my lender Exeter finance to see if I can remove her from the title so I can trade in the car. The first time I called they said they were able to do it and they will be in contact with me but never called back. I contact them again a week later but this time I had a different answer. They told me I have to go to the XXXX so I made an appointment which was a month later. But around that time on Friday XX/XX/XXXX my sister came back to the house and stole my license plate. The same day I went to the police station but they couldn't do anything since technically it's her car too. They gave me some advice on taking her out the title and if I wanted to do that I have to go through my lender. I canceled my appointment at the XXXX and went to my lender this time they said yes again. I gave them my reasons on why I needed her off the vehicle and was told they will contact me again. 2 weeks later I decided to call back to check in just for them to say no again. I was very frustrated at this point because it's been months and I kept getting different answers. So the lady on the phone insisted that I had to go to the XXXX so I finally made my appointment which was about 2 months out because the XXXX was so full. I had my appointment on Friday XX/XX/XXXX and during this time I kept calling my lender just to see what the answer would be and they kept switching back and forth between yes and now and never really gave me a full explanation on why. I tried to see if I can refinance but I couldn't since both of us have to consent in my sister is long gone at this point. I made it to my appointment on Friday XX/XX/XXXX just for them to tell me the same thing the police station told me to go through my lender since they bought the car from XXXX and have my title. I have two complete my payments in order to get that title but they should be able to make adjustments to it. Now I'm confused and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/year> I was scammed to pay {$500.00} to a person claiming that they needed that money in order to go through with a XXXXXXXX XXXX purchase. They claimed that since I have a personal account on XXXX and that they have a business account on XXXX that they needed to pay me {$850.00}. I asked for {$350.00}, which is {$500.00} more. They said there was a minimum purchase price between personal and business accounts that require at least {$800.00}. I was to refund the person {$500.00} to make it square.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XXXX XXXX I purchased a gift card on the XXXX app and made the first installment. I never received a gift card. I reached out to to XXXX to inquire about it and they told me that I had to contact XXXX the company that has the gift card. I contacted XXXX twice and was told they had no record of my order and that I would have to contact XXXX. XXXX refuses to cancel the payment or refund my first installment and insist I have to contact XXXX if I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I opened a XXXX with Openbank on XXXX XX/XX/year>. A transfer of funds into the new account was completed on XXXX XXXX. The account was then blocked on XXXX XXXX with no access to the deposited funds. Ive called customer service several times and talked to representatives at different levels who have told me the account was blocked due to a suspected fraud investigation. They further told me then bank has decided to close my account, this was around the end of XXXX, but the funds still havent been released to me.

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 2026-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the legal beneficiary of the XXXXXXXX XXXX XXXXXXXX XXXX, which was structurally managed by XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, DE XXXX ). I possess the original IRS confirmation letter establishing this fiduciary relationship under Taxpayer Identification Number XXXX. The grantor of this trust passed away 15 years ago, leaving sizable assets that have never been claimed by me.For two consecutive years, front-line customer service agents at XXXX XXXX and Bank of America have stonewalled my inquiries, claiming " no record '' exists. Because this was a formal corporate trust charter, the bank is legally required to maintain historical fiduciary records, transfer logs, or escheatment files. I am requesting that this issue be escalated to an XXXXXXXX XXXX XXXXXXXX or the XXXX XXXX Department to pull the archived records for TIN XXXX, identify the linked Irrevocable EIN, and disclose the exact disposition or current location of these trust assets.

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 2026-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a phone call and voicemail from XXXX XXXX XXXX attempting to collect an alleged debt originally from Climb Credit, associated with attendance at XXXX XXXX XXXX, a short-term vocational program. The account is purportedly now owned by XXXX XXXX XXXX. I am disputing this debt in its entirety. The CFPB filed suit against Climb Credit in XX/XX/XXXX, alleging that Climb Credit deceived borrowers about short-term vocational programs exactly the type of program this loan was used for. XXXX XXXX XXXX also has a documented history of collecting on debt tied to fraudulent for-profit schools. I have sent a written debt validation letter to XXXX XXXX via certified mail disputing this debt and requesting full documentation, including the original signed promissory note and proof of legal ownership of the account. I am requesting that this complaint be reviewed in connection with the existing CFPB enforcement action against Climb Credit, and that all three parties Climb Credit, XXXX XXXX XXXX, and XXXX XXXX XXXX be investigated for their roles in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have about {$4700.00} in my Citibank checking account. I tried to send my brother {$700.00} on they froze my account. They said I have to wait on a letter to come in the mail in 7-10 days. This problem occurred on XX/XX/year>. Its been 3 weeks and my bills have piled and are detailing mental issues. They will not let me come into the branch and verify. Ive already been and no help. They said they sent another letter out on XX/XX/year>. Its going on a month and my money is frozen for no reason and I need it badly in this time.

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 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a XXXX XXXX credit card account with approximately XXXX XXXX XXXX accumulated through legitimate spending and regular account usage. A payment made to the account was later returned, which resulted in my account being restricted and eventually closed by Capital One. After being notified, I contacted Capital One multiple times to resolve the issue and requested either a reopening of the account or restoration/access to my rewards miles. I was informed that the account would remain closed and that my accumulated miles were forfeited. I believe the loss of all earned rewards is disproportionate to the issue that occurred, especially considering that the rewards were earned legitimately and that I paid the annual fee associated with the XXXX XXXX card benefits. I attempted to resolve the matter directly with Capital One customer service and requested escalation/review, but my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Nordstrom Credit Card ( managed by TD Bank ) contacted me in early XXXX with suspected fraud charges to XXXXXXXX XXXX XXXX ( 3 separate charges ). I immediately called them back and said yes, it was fraud as i've never used this card for any purchases not made at Nordstrom. Nordstrom sent a new card and said charges would be removed. Two of the three were removed and one remained for {$76.00}. I have called Nordstrom Card fraud three times ( XX/XX/XXXX, XXXX and today, XX/XX/XXXX ) to have this last charge removed and have been told each time that they'll look into it and it should be removed and to call back in a week. The charge has never been removed and each time I call they say there's no record of my prior call. I can not take this cycle anymore. I want the charge plus the interest fees accrued removed and to close this card and never use again! Please please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Mortgage paid off/home sold XX/XX/XXXX ( Fifth Third did not close this loan until XX/XX/XXXX ). Escrow account confirmed closed, Escrow refund still not received ( well beyond federal mortgage servicing rules ). The bank can not confirm whether check was issued so cancelled and put in a request to reissue ( XX/XX/XXXX ). Representatives claim new system prevents visibility into refund/check status. They are unable to give me any information on where my funds are, when they will be issued, or any tracking information ( i.e check number ). Even if they migrated systems, there is always a servicing audit trail somewhere. We dont know is not an acceptable final answer when they are holding or responsible for a customer funds. I am requesting immediate investigation and reissuance, if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I got charged for a purchase of {$3100.00} this charge is unauthorized. I disputed the transaction and my bank denied the claim, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KS

Complaint narrative:
I was charged {$85.00} by XXXX after a 60 day trial on XXXX, 2026. I did not intend to order the product after the trial. I saw the charge on XXXX or XXXX and called XXXX to dispute the transaction and my card was locked and a new one was issued. On XXXX I contacted XXXX and they issued a refund. The refund was sent to my old card and didn't follow to the new card. I sent XXXX, by e-mail, all the information they requested, including 5 pictures of the paperwork I filled out & a copy of XXXX 's confirmation e-mail of my refund on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX claiming the case was closed because I failed to submit the paperwork that I e-mailed them on XX/XX/XXXX ; On XX/XX/XXXX they claimed to have not received the e-mails, so I sent them again that same day. I called again on XX/XX/XXXX, I was told they received the XXXX e-mails with the paperwork photos, but no refund confirmation e-mail, so I sent it again ( for the 3rd time ) that same day. Today, I received the letter from usdirectexpress informing me that my case has been closed and that my transaction had been authorized by me, so my dispute was denied. Once again, today XX/XX/XXXX, I called and was told to call XXXX and request a " forced post credit '' to my new card. I called and XXXX claims they have already issued my refund and there is nothing they can do. I do not have the product and am being told I won't be getting my money back either. The original order number from XXXX is XXXX and the usdirectexpress case number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
12 C.F.R. 1026.10 ( b ) If the creditor does not accept payments on the due date, then a payment made by XXXX XXXX on the next business day must be treated as on time. My payment was due on XX/XX/2026 ( a Saturday ) .My payment was applied the following Monday XX/XX/2026. My XXXX statement shows a past due charge of {$29.00} and interest of {$13.00}.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After I submitted all required documents, XXXX from the Resolution Team reviewed and verified everything. She confirmed that my account was fully verified, removed all restrictions, and successfully unfroze my account. At that point, I was able to log in without any issues on XX/XX/year> around XXXX However, shortly after, I was transferred to another representative ( The lady from fraudulent department ) for additional questions Ive had. During this interaction, the representative was unexpectedly rude, unprofessional, and hostile. Despite my account already being verified and restored, she proceeded to disregard the prior resolution, added new notes to my account, and demanded that I resubmit all documents and repeat the verification process. This is extremely confusing and unacceptable. My account had already been fully verified and reactivated by XXXX, and I was able to access it successfully. Reversing that resolution without clear justification raises serious concerns about inconsistency and internal communication within your team. I request a clear explanation of why my verified status was overturned and why I am being asked to repeat a process that had already been completed and confirmed. This situation needs to be reviewed and resolved promptly.

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 non-monetary relief
Consumer complaint received 2026-05-13 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: MN

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

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 non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems for an alleged debt originally from XXXX. The original service was prepaid internet service during COVID. I attempted to return the equipment to the store, but due to COVID restrictions the store would not accept returns. I left the equipment and was not told I owed any balance. Jefferson Capital is now attempting to collect {$450.00} for this account. I requested validation of the debt, including a signed agreement, complete account history, proof the equipment was not returned, and proof they legally own the debt. Proper validation was not provided. I disputed the account with XXXX but the account was verified without sufficient proof or documentation. I believe this account is inaccurate and should be removed if it can not be properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I request that any account older than 7 years be removed from the credit report. There are several Syncrony accounts that are older than 7 years.

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