vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter is in reference to Account Number XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that Jefferson Capital Systems immediately cease and release all communication with me regarding the above-referenced account. You are instructed to stop all telephone calls, text messages, emails, and written correspondence to me, my family members, my place of employment, or any third parties concerning this matter. If you intend to pursue specific legal remedies, you may notify me in writing of such action only. Otherwise, I expect no further contact from your organization. Failure to comply with this request will result in documentation of all future communication and may lead to complaints filed with the appropriate regulatory agencies. Please confirm in writing that you have received this notice and will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly evaluate the enclosed documents ; the questions arrived unexpectedly and could be pending approval.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is the XXXX time I have tried to sell XXXX XXXX XXXX XXXX and it has put a hold on my funds to " Verify '' them. I have sold constantly on their app with no issues but now this has happened twice in a span of XXXX weeks whilst never happening before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was trying to put a down payment on a car with my credit card of XXXX dollars. When I tried to pay it the card didnt go through. Then I called the number on the back of the card so that I would be able to push the purchase through. I was asked XXXX questions to verify my identity when I asked all of the questions correctly. I was told that my account was under investigation then they closed my account and now the car is at risk of being sold to another buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Urgent Repossession on XX/XX/XXXX ; Demand for Return & Debt Verification ( Acct XXXX ) This letter constitutes formal notice that Wells Fargo Auto has willfully failed to provide the documents and written assurances I timely requested concerning the abovereferenced account and security interest, and has failed to meet the deadlines set by my prior correspondence. On XX/XX/XXXX and XX/XX/XXXX I required production of specified documents and written assurances by the deadlines stated in those letters, and I sent additional notice by certified mail on XX/XX/XXXX and I sent a conditional acceptance and validation letter XX/XX/XXXX. Your only responses were requests for additional time ; you have not produced the requested documents, assurances, or any substantive explanation, and your extensions have now lapsed. Despite my timely validation and dispute requests, on the morning of XX/XX/XXXX my vehicle described above was repossessed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contend this repossession was undertaken without providing the verification required under 15 U.S.C. 1692g and constitutes an unlawful collection action and wrongful repossession under federal and state law. Demand Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and all other applicable laws and rights reserved

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 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Product : Credit card or loan Issue : Improper use of credit report / Misleading marketing practices Complaint Narrative : I am submitting this complaint regarding repeated loan and banking product solicitations from USAA that resulted in hard credit inquiries and subsequent denials. USAA has consistently marketed loan and banking products to me, encouraging me to apply. Based on the frequency and nature of these solicitations, I reasonably believed I met the basic prequalification criteria. After applying in response to these offers, I was denied. In multiple instances, hard inquiries were placed on my credit report. These inquiries negatively impact my credit profile. I am concerned that USAAs marketing practices are misleading. Repeated targeted solicitations that result in denials after hard credit pulls create financial harm and erode consumer trust. If I did not meet underwriting standards, I should not have been aggressively solicited to apply.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
am reporting an unauthorized claim reversal of {$500.00} on XX/XX/XXXX. I never filed this claim. This has caused my XXXX 's paycheck to be seized, leaving me with {$0.00} and creating an immediate financial hardship. I need an emergency credit while you investigate why a claim was opened in my name without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On my due date, XX/XX/year>, I paid {$9000.00} out of a {$9500.00} balance. I attempted to pay the remaining {$500.00} by phone because the online system limited my payment frequency. Today, I found an interest charge of {$210.00} and called to dispute it. During the call, my husband was explaining that while there might have been a minor misunderstanding or a system error, I have shown " good faith '' by paying XXXX % of the balance and requested a one-time waiver. The agent then insisted on speaking with me to verify my identity. When I hesitated for a moment while providing my Social Security Number, the agent made a very offensive and illogical comment : she stated that since I struggled to answer her question quickly, the failed payment must have been entirely due to my " lack of XXXX skills '' and not the bank 's fault. It is deeply insulting to have my character and payment intent dismissed based on a brief hesitation during ID verification. Charging over {$200.00} in interest for a {$500.00} remainderwhich I tried to pay in earnestis predatory. Additionally, Wells Fargo 's website hides the message center, making it extremely difficult to resolve disputes. I request a full waiver of the {$210.00} interest charge.

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 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Processing Solutions, LLC
State: CA

Complaint narrative:
On XXXX of XXXX, I paid debts owed to XXXX XXXX XXXX. Their debt collection company, Professional Account Management LLC ( PAM ), was informed of the debt paid with documentation provided by XXXX XXXX XXXX. Despite this, my XXXX California state tax refund was intercepted, and I continued to get notices by PAM that I owed a debt. I have since sent them certified mail and contacted representatives by phone asking them to update their system to reflect I no longer owe a debt ( and to stop any future intercepts ). Yesterday, I received notice that my XXXX California state tax return got intercepted by PAM again. I do not owe them nor XXXX 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
Consumer complaint received 2026-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Detailed Description of Systemic Fraud & Regulatory Obstruction : 1. The Violation ( XXXX XXXX XXXX ) : I am reporting Instructional Fraud ( 18 U.S.C. 1005 ) and a Safety and Soundness failure involving a {$20.00} ledger discrepancy. On XX/XX/XXXX, the Applicants system issued a " Refund Complete '' alert, but the internal ledger recorded a " Canceled '' status. Simultaneously, a " Locked Card Bypass '' occurred ( GLBA Section 501 violation ), where a transaction processed through a formally locked card. XXXX. Exhaustion of Internal Remedies : I attempted to resolve this with the company starting XX/XX/year>. I was met with " Algorithmic Silencers '' and automated loops designed to prevent the reporting of financial crimes. XXXX. Regulatory Notification & Obstruction ( XX/XX/year> ) : I served this forensic metadata to FDIC Regional XXXX XXXX XXXX and XXXX XXXX. On XX/XX/year>, Assistant Regional XXXX XXXX XXXX issued a written response attempting to abdicate jurisdiction by directing me to the CFPB. This is a clear attempt to bypass the FDICs statutory duty to investigate management integrity for the Applicants pending bank charter. XXXX. Data Breach & SEC Coordination : Within XXXX minutes of my evidence upload to the FDIC Secure Portal on XX/XX/XXXX ( XXXX XXXX ), my household was subjected to a coordinated harassment swarm. This evidence is also filed under SEC XXXX # XXXX and # XXXX. I demand an investigation into why FDIC leadership is attempting to " wash '' a felony-level Safety and Soundness report into a consumer complaint to protect a pending charter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: VA

Complaint narrative:
After I made a report to chime about the unauthorized transaction on my account I made a report to chime that I notice a passkey on my account while the investigation still going on I was really mad and start using my XXXX anXXXX XXXX XXXX XXXXccount so and I transferred some money into from my XXXX to my chime account without logging into my chime account until XXXX of XX/XX/year> that when I knew chime has paid some of my money but was stolen with the money I saved on my account a card transaction to XXXX XXXX which have never use before on my account and a pay anyone transaction to some email I don't recognize and I don't use my card I only link it to my XXXXXXXX XXXX XXXX XXXX account to transfer money to my chime please help me this is getting out of hand I have stay logged in my account now so XXXX will know what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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 had an Checking account with Bank of America, called a valued customer for over XXXX XXXX years, when an insurance company issued me a check, for an accident ( XXXX XXXX ) and hadn't received it in the mail after a few weeks, they reissued me a new check, and sent out a new check. and cancelled the old check. After receiving what I thought was the new check I deposited into my account the bank cashed it and put the money into my account. Meanwhile the XXXX check arrived, and the bank started processing to close my account when I tried to explain what happened, they didn't care to listen. Still continued the process and closed out my account. When asked them why, they stated we don't have to tell 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 explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Against Bank of America Application Reference Number : XXXX XX/XX/XXXX : I received a promotional offer for the Bank of America XXXX XXXX XXXX credit card, advertising a 105,000-point bonus after spending {$6000.00}. I applied on XX/XX/XXXX. XX/XX/XXXX : My application was rejected. The stated reasons were : ( XXXX ) maximum credit extended, and ( XXXX ) insufficient income. XX/XX/XXXX : Per customer service instructions, I mailed a letter with pay slips verifying my income to date of {>= $1,000,000}, asking for clarification on the rejection reasons. XX/XX/XXXX : Bank of America sent an identical rejection letter stating the exact same reasons, continuing to falsely assert that my income was insufficient despite having verified proof of my income. XX/XX/XXXX : After multiple attempts to reach customer service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I connected with a resolution XXXX. They confirmed my income was not an issue and that the true issue was total credit limits across existing cards. However, due to the bank 's delays in resolving their own erroneous rejection reasons, my XXXX application window had closed. I was told I had to reapply. XX/XX/XXXX : I reapplied and was approved immediately. The bank automatically lowered XXXX of my existing credit lines to accommodate the new card. However, the promotional offer had dropped to XXXX points. By providing a demonstrably false principal reason for credit denial ( insufficient income ) and repeating that false reason even after receiving formal, documented proof of income exceeding {$1.00} XXXX, Bank of America violated the Equal Credit Opportunity Act ( ECOA ) / Regulation B ( 12 CFR 1002.9 ), which strictly requires creditors to provide specific and accurate reasons for adverse action. The banks failure to issue an accurate adverse action noticeor correct it upon receipt of my evidencedelayed the processing of my application beyond the XXXX window. This regulatory failure directly caused me to lose the original XXXX-point promotional offer I applied under. Furthermore, my instant approval in XXXX proves the original application was perfectly viable.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Complaint Against : Wells Fargo Product : Credit Card XXXX XXXX XXXX XXXX ending in XXXX ) Subject : Misrepresentation by representative resulting in erroneous Autopay deduction and financial hardship. Describe what happened : I am filing this complaint because Wells Fargo customer service provided me with conflicting and inaccurate information regarding a pending payment, which directly resulted in an unnecessary Autopay deduction that has tied up my personal funds. On or around XX/XX/year>, a {$1000.00} balance transfer payment was initiated to my Wells Fargo XXXX XXXX by a third party, XXXX XXXX. My scheduled Autopay of {$500.00} was set to process on XX/XX/year>. To ensure I would not be double charged, I contacted Wells Fargo customer service. The first agent I spoke with explicitly confirmed that she could see the {$1000.00} payment in their system. Relying on this information, I expected my {$500.00} Autopay would be adjusted or canceled since the incoming payment more than covered my statement balance. However, when I followed up, a second Wells Fargo agent told me she could not see the payment. Because of this failure and inconsistency in Wells Fargo 's systems, my {$500.00} Autopay was deducted from my bank account on XX/XX/XXXX. The very next day, XX/XX/XXXX, the {$1000.00} payment posted to my account, leaving me with a - {$500.00} credit balance. Furthermore, during my call with the second agent, I explicitly requested to file a formal internal complaint regarding the misinformation provided by the first agent. The second agent assured me the complaint was filed, but I have received no confirmation or follow-up, leading me to believe this was a tactic to get me off the phone. Because of Wells Fargo 's internal inconsistencies, I am now out {$500.00} in cash from my personal checking account, causing undue financial strain.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NE

Complaint narrative:
Robinhood is restricting access to {$16000.00} in cash reflected in my account. The funds are shown as cash/buying power, but I am unable to withdraw or transfer them. Robinhood states it can not verify ownership of the funds but has not provided any specific verification standards or documentation requirements. I requested clarification and expressed willingness to provide reasonable proof, but no defined verification pathway was provided. The firm stated it will only attempt to return the funds to the originating bank account. I informed them that the referenced bank account has been closed since XXXX. Robinhood stated that if return fails, the funds will remain in the account and be subject to escheatment. The firm closed my case and stated no additional information would be provided. As of now, {$16000.00} remains restricted with no withdrawal access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute and Cease and Desist Notice Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account, number XXXX, which appears on my credit report and/or which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting full validation of this alleged debt. Please provide competent evidence that I have a legal obligation to pay this debt, including but not limited to : 1. The original signed agreement or contract bearing my signature. 2. The name and address of the original creditor. 3. A complete payment history and itemized accounting of the amount claimed. 4. Documentation showing your legal authority to collect this debt. Until you provide proper validation, you must cease all collection activities and reporting of this account to any credit reporting agency. Additionally, you are hereby instructed to cease and desist all communication with me regarding this alleged debt, except to provide the requested validation or to confirm that this matter has been closed. If you fail to validate this debt or continue collection efforts without proper documentation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. This letter is not a refusal to pay, but a notice sent pursuant to federal law to dispute and request validation of the alleged debt. I expect your written response within the time period required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX - Balance : {$2300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$1100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$7300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$3900.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$3300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Balance : {$2400.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$6300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$6400.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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