vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I recievied an email from sequium stating that they i got settle my debt if I paid {$200.00}. So I called them about the email because I owed XXXX {$600.00}. XXXX sent my debt to sequium. I called sequium and asked the guy about the email. I asked them on the phone if I make this {$200.00} dollar payment will they send of a paid in full and clear or settle my while debt. That was the only way I was going to make the payment. They agreed to that. So I went ahead and paid the the {$200.00}. Weeks later my credit report was not changed to reflect that promise. Now i Can't remember specific date, but I called XXXX and asked them why my credit report was not updated and explained to them what the sequium operator had told me over the phone. XXXX told me I had to call sequium. So I called sequium and asked them what was going on and why. They said that I needed to call XXXX. At this point I had quit. But I called sequium back in a couple weeks. Now they are saying that I have to pay the remainder from the {$600.00} - the {$200.00} or whatever. I explained to them what was promised to me. And they rejected what I said, what they had initially promised me. So now im here filing this complaint. I was literaly lied to on a recorded line by sequium. I dont know who to talk to at this point. XXXX or sequium will not help me. I wouldn't have even paid anybody anything, just for this report to still be on my profile. I would have left it there and ignored the email all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Complaint Against Credence Resource Management Inaccurate Reporting and Failure to Validate Debt I am filing this complaint regarding the actions of Credence Resource Management in connection with a debt they are reporting and attempting to collect. The account in question is associated with an alleged original creditor, XXXX XXXX, in the approximate amount of {$680.00}. I formally dispute this debt. Despite my dispute, Credence Resource Management has continued to report this account to the credit bureaus, including XXXX, without providing proper validation of the debt as required under federal law. Specifically : - I requested validation of this debt, yet Credence has failed to provide sufficient documentation demonstrating that I am legally obligated to pay this debt. - No documentation has been provided showing a contract, agreement, or any instrument bearing my signature. - No complete accounting of the alleged balance has been provided. - Credence has continued collection activity and/or reporting without proper validation. Additionally, the continued reporting of this account appears to be inaccurate, incomplete, or unverifiable, which violates the Fair Credit Reporting Act. This situation has caused harm, including emotional distress, frustration, and negative impact on my credit profile. I am requesting the following : 1. Immediate deletion of this account from all credit reporting agencies. 2. Full validation of the alleged debt, including : - Original contract or agreement - Complete payment history - Chain of title demonstrating Credences legal authority to collect 3. Cessation of all collection activity until proper validation is provided. If Credence Resource Management can not provide competent evidence of this debt, they must immediately cease reporting and collection efforts. I expect a timely and thorough investigation into this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hi, I deposited a check totaling {$10000.00} from my refund. The held the money for a few days to clear the funds which they later released the XXXX day and immediately i received the email, i logged into my bank to check the availability, I saw the money is there so i later tried use my debit card but wont work. I called the bank to complain and they told me my card is good so i tried to log into my bank again to check and my account has been suspended. I called them to ask why but they had no valid reason. They closed my account after few weeks. They promised to send a cashier check of my available balance BUT they never DID. So i called them to ask why and they told me they need to verify with green dot where the money came from. And everytime i tell them to try they always say they cant reach them over the phone so I told them to send an email to green dot with my information and the check information included but they told me thats not possible. Its over XXXX months since chase stolen my money from me. I need help and i need my money. I already attached a copy of the check and a copy of the deposit slip.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding repeated issues with the processing and delivery of cashiers checks requested through Navy Federal Credit Union. On XX/XX/year>, I contacted Navy Federal and spoke with a representative to request that a cashiers check in the amount of {$100.00} be mailed via certified mail to XXXX XXXX XXXX. During that call, I asked how I would obtain tracking information. I was informed that I would need to call back at a later time to receive the tracking number. They are supposed to send a message through the portal with the tracking number, but this does not happen. On XX/XX/year>, I called back to request the tracking information. After being on the phone for over XXXX minutes, I was finally provided with a XXXX tracking number : XXXX. Upon reviewing this tracking number, it shows the item is still in pre-shipment status, meaning it has not been transferred to the carrier and likely has not been mailed. I informed the representative that this is not the first time I have experienced this issue. Within the past year, I previously requested a cashiers check to be sent via XX/XX/XXXX and that check was never mailed. In total, I can recall at least XXXX instances within the last XXXX months where cashiers checks were requested but not properly processed or sent. This pattern reflects a concerning lack of reliability and accountability in handling financial instruments. These delays and failures create unnecessary hardship and undermine trust in the institutions ability to perform basic banking services. I am requesting the following : Immediate investigation into the status of this cashiers check and confirmation of whether it has been issued and mailed. A clear explanation for the repeated failures in processing and delivering cashiers checks. Assurance that corrective measures will be implemented to prevent this issue from recurring. I believe this matter reflects a broader issue with internal processing and customer service procedures that requires prompt attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call by Bank of America XXXX alerts. As we discussed my account transactions the Bank of America XXXX filed fraud claims on my behalf totaling a very large amount of money I never received. I have been at the same residence in XXXX prior to having my account with BofA and still reside there. According to BofA themselves, there are several security measures in place when filing fraud claims that make it impossible for XXXX random strangers or profiles with the same name to be linked. I mean if that could happen can you imagine how many XXXX XXXX or XXXX XXXX would be linked to XXXX another? BofA filed the fraud claims for me, XXXX in total, and I waited. I am still waiting because BofA paid the fraudulent transactions not once but twice. All XXXX claims I filed, I FILED THEM, got paid out AGAIN to the same disgusting people with the ghost fraud scheme account in my name with a different address I have never lived at or even been to. How would it be possible that the original card I still have to this day in my possession if these claims were not mine? Yet Bank of America paid out {$30000.00} not once, twice, but then turned around and told me it was denied. Bank XXXX XXXX own employees requested video footage showing it was not me taking the money, but XXXX different people and they again sent them the approved fraud claim funds while I have suffered. They can not change the facts to fit their narrative. This is gross behavior at best. Maybe there was nothing random about it.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates LLC for reporting inaccurate, incomplete, and unverified information on my consumer credit report. I formally disputed three ( 3 ) separate accounts and requested validation pursuant to the Fair Debt Collection Practices Act. However, Portfolio Recovery Associates LLC only responded to one account, while completely ignoring the remaining two disputed accounts. For the single account that was addressed, I was provided only a self-generated account summary, which does not constitute competent or independent verification of the alleged debt. The documentation provided fails to establish : Any contractual agreement bearing my signature That I incurred or authorized the alleged debt That the amount being reported is accurate That Portfolio Recovery Associates LLC has legal ownership of this specific account Despite the lack of proper validation, Portfolio Recovery Associates LLC continues to report these accounts to consumer reporting agencies, including XXXX XXXX XXXX XXXX. This conduct appears to violate the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681s-2 ( b ) Failure of a furnisher to properly investigate disputed information Additionally, failure to respond to all disputed accounts constitutes an incomplete and unreasonable investigation. Portfolio Recovery Associates LLC is relying on a self-generated account summary, which is not independent or verifiable evidence and does not meet the legal standard required for verifying a disputed debt. Continued reporting of unverified and disputed information is misleading and harmful. Further, if any of these accounts were reported without first providing proper notice to me, this raises concerns of unlawful debt parking, as addressed in FTC XXXX XXXX XXXX XXXX, which identifies such conduct as deceptive and unfair. I am requesting the following resolution : Immediate deletion of ALL disputed accounts from all consumer reporting agencies Written confirmation of deletion A detailed explanation of how any of these accounts were verified without supporting documentation from the original creditor An explanation as to why two of the three disputed accounts were ignored I have made a good faith effort to resolve this matter directly with Portfolio Recovery Associates LLC. However : They failed to adequately validate the one account they responded to They failed to respond at all to two additional disputed accounts Their continued reporting of unverified information is causing harm to my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX I made a payment to an individual on PayPal. On XX/XX/XXXX this individual refunded the money to me. PayPal started their refund process saying it would be completed no later than XX/XX/XXXX. Their in app tracker updated to completed, yet I received no funds. I reached out to customer service and they said the issue was with my bank, so I reached out to my bank and they confirmed that no refund had been sent. I reached out to PayPal again asking for a trace on the refund, they said ok and to give them XXXX hours. I never heard anything. I repeated the trace request process and once again never heard anything. I kept reaching out to customer service daily asking for a trace or any identifying information of the transaction. They would not provide anything outside of an internal reference that my bank says has no meaning to them. I also kept reaching out to my bank who kept confirming they have had nothing sent from PayPal. In another customer service chat they asked me to provide images of my card statement from the date forward, so I did. I got an e-mail back saying the person ( named XXXX XXXX sees the transaction in my card statement. Which is completely false, I have been through the statement and the images and nothing but the initial payment is shown. Of course there is no way to reply to XXXX e-mail, they dont offer a reply option in their messaging center and offered no e-mail for the individual. It is now XX/XX/XXXX, 3 weeks after the final date PayPal gave and well past their maximum provided wait of 10 business dates. I still do not have my refund of {$650.00} and {$19.00} in associates fees. PayPal is offering no assistance despite repeated promises to trace the refund that they never follow up on. I really need my money, it has caused overdrafts in my bank account and has put me in a tough financial situation. Please help me resolve this issue with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit XXXX handling of my account after I proactively reported suspected fraud. I identified suspicious activity on my account and took immediate action to report it to Navy Federal. Rather than being supported as a customer taking responsible steps to protect my account, my account was placed under a broad and ongoing restriction.During a recent call with a supervisor ( XXXX, approximately XXXX XXXX on XX/XX/2026 ), I was informed that Navy Federal applied an internal policy ( Section XXXX ) to take discretionary action, including restricting my account. However, this action appears to have been taken without transparency, clear explanation, or a defined timeline for resolution. After reviewing the policy I see this is strictly for overdrafts NOT fraud complaints. I want to emphasize that I was the reporting party, not the source of fraudulent activity. Despite this, I have effectively been penalized by losing access to normal account functionality. This has created a significant hardship, limiting my ability to manage my finances and access my own funds. Additionally, I have not been provided with a clear explanation of the specific reason for the continued restriction, XXXX timeline for review or resolution ( only that I am restricted for 1 year and there is nothing they can do but wait it out ), and no update yet from the bank and corporate. This lack of transparency and prolonged restriction raises serious concerns regarding fair treatment and proper handling of fraud claims. I am requesting that Navy Federal immediately review and remove the unnecessary or excessive restriction. We can simply find another solution to whatever they felt was going on with my account. Restore full access to my account if no wrongdoing is found ( which the representative confirmed was due to multiple fraud claims ), and provide a timeline and point of contact for resolution As a customer who acted in good faith to report fraud, I should not be subjected to indefinite restrictions without due process or communication. I am requesting CFPB assistance to ensure this matter is reviewed and resolved fairly and promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: NJ

Complaint narrative:
I disputed a collection account on my credit report with all XXXX major credit bureaus, including XXXX, XXXX, and XXXX, and the account was marked as verified. After that, I contacted the debt collector directly and requested full validation of the alleged debt, including documentation showing I am legally obligated to pay it. The debt collector did not provide proper validation or sufficient documentation. Despite failing to provide proof, the account continues to be reported as verified across all credit bureaus. I have made multiple attempts to resolve this issue, including disputes with the credit bureaus and direct communication with the debt collector, but the account remains. This is inaccurate and unfair reporting, as the debt has not been properly validated. I am requesting that this account be investigated and corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute with Capital One on XX/XX/year> regarding a {$140.00} debit card transaction related to a XXXX service. My claim number is XXXX. Capital One informed me that they contacted the merchant on XX/XX/year> and are awaiting a response. As of XX/XX/year>, it has been over 40 days since the merchant was contacted, and I have not received a final determination, a clear deadline, or meaningful updates regarding the status of my claim. I also provided additional documentation on XX/XX/year> to support my dispute, but there has been no substantive progress communicated. Under Regulation XXXX ( XXXX CFR XXXX ), financial institutions are required to investigate and resolve error disputes within established timeframes, generally within XX/XX/XXXX days. If additional time is needed, the institution must provisionally credit the consumers account within XXXX business days while the investigation continues. I am concerned that Capital One is not adhering to these requirements, as I have not received a final resolution or clear communication regarding any provisional credit or extension of the investigation. I am requesting that Capital One : - Confirm whether a provisional credit was issued or explain why it was not - Provide the specific deadline for the merchants response - Complete the investigation and issue a final determination without further delay I have made good faith efforts to resolve this directly but have not received a timely or satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to report a serious issue involving a cash deposit made at Wells Fargo branch on XX/XX/year> at approximately around XXXX. I went into the branch to deposit funds into another Wells Fargo account aside from mine. I provided the teller with : {$1400.00} in cash ( in {$100.00} dollar bills ), and a check with the account number for where it needed to be deposited in the amount of {$1400.00}. The teller counted the cash in front of me and verbally confirmed that the total amount was {$1400.00}. She then looked at the check I provided with the cash, said I filled it out wrong so I was told to purchase a new one. She insisted on filling it out, in which she did. However, she did not put the account number on it. I did mention it to the teller, but she told me it wasnt needed in which I found weird. She also had me confirm something in which I didnt know what it was, but thought it was a new banking procedure. She insisted I press a green button. She then spoke to her coworker for a bit and processed the transaction. After leaving the branch and reviewing my receipt, I discovered that only {$900.00} in cash was credited instead of the full {$1400.00}. I immediately returned to the branch to address the discrepancy. The teller was uncooperative, defensive, and refused to provide her name. Although I did find it on the receipt after the fact. She also refused to allow me to speak to a manager. Another employee intervened but did not assist in resolving the issue or escalating the matter. The situation is extremely concerning for the following reasons : A {$500.00} discrepancy in a confirmed cash transaction. Refusal by staff to escalate the issue to management. Lack of transparency and accountability. I am requesting a formal cash difference investigation into this transaction. A review of the tellers cash drawer for overages/shortages. A review of the branch surveillance footage during the transaction. Identification of the tellers involved and an immediate correction of the missing {$500.00}.

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 explanation