vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: GFS II, LLC
State: IN

Complaint narrative:
This letter serves as formal notice that I dispute the validity of the alleged debt referenced under my name. I dispute this account in its entirety and request full validation. Pursuant to the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6802, a financial institution may not disclose a consumers nonpublic personal information to nonaffiliated third parties unless proper notice has been given and the consumer has been provided the opportunity to opt out. If you have furnished, shared, or reported my personal financial information without complying with 15 U.S.C. 6802, such actions may constitute a violation of federal law. Additionally, pursuant to 15 U.S.C. 1681a ( 3 ), I am exercising my lawful rights as a consumer to dispute inaccurate or unverified information. Any failure to honor this lawful request, or any adverse action taken against me in retaliation for exercising my federally protected rights, will constitute a clear violation of federal law. Furthermore, under 15 U.S.C. 1692c ( c ), you are hereby directed to cease and desist all communication with me regarding this alleged debt, except for the limited purposes permitted by law, including providing validation of the debt or notifying me of specific legal remedies being pursued. Accordingly, I demand the following : Full validation of the alleged debt, including the name and address of the original creditor. A complete accounting of the amount claimed, including all fees and interest. Copies of any documents bearing my signature demonstrating a legal obligation to pay. Proof that your organization is legally authorized to collect on this account. Documentation showing compliance with 15 U.S.C. 6802 regarding any disclosure of my nonpublic personal information. Until such validation is provided, you must cease all collection activity and reporting of this account to any consumer reporting agency. Failure to comply with this notice may result in complaints being filed with the appropriate federal and state regulatory agencies, as well as potential civil action for violations of applicable federal law. I am maintaining detailed records of all correspondence and telephone calls. All future communication must be made in writing only. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, I was contacted by a merchant ( PayPal name : XXXX XXXX, also known as XXXX XXXX ) after they read a story I authored on XXXX. They offered professional, custom hand-drawn illustration services to adapt my story into a comic. Based on their portfolio of seemingly hand-drawn art, I agreed to a {$200.00} commission, which I paid via PayPal XX/XX/XXXX Pay in XXXX '' plan XX/XX/XXXXXXXX ). On XX/XX/XXXX, the merchant delivered the final files. The product was not the custom illustration promised, but rather a series of low-quality AI-generated images. The images contain severe technical " hallucinations '' and logical errors ( such as weapons floating/changing shape and background characters melting into blobs ) that prove no human artist drew them. Furthermore, the merchant completely ignored the specific script I provided, rendering the sequential comic unusable. I filed a dispute with PayPal, providing technical proof of the AI fraud and screenshots of social media " scam call-outs '' identifying this specific merchant as a known fraudster. PayPals automated system ignored this evidence and closed the case in the seller 's favor, claiming the " item was delivered. '' PayPal has failed to recognize that providing an automated, non-functional, and non-copyrightable AI file in place of a contracted manual service is a material misrepresentation and a deceptive trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
" On XX/XX/XXXX, I withdrew XXXX XXXX ( approximately {$190.00} USD ) from my XXXX account to my Binance.XXXX XXXX deposit address with the correct memo tag. The transaction completed successfully and is confirmed on the Stellar blockchain ( transaction reference : XXXX ). The deposit never appeared in my Binance.US account. I contacted Binance.US support via live chat. The agent confirmed my deposit was pending and said it was affected by an XXXX network issue. According to their own status page ( binance.us/status ), this XXXX issue has been ongoing since XX/XX/XXXX nearly 10 months with no resolution or timeline provided. I requested that Binance.US manually credit my deposit since the funds are confirmed on-chain and sitting in their wallet. They refused, offering only scripted responses that they are 'actively investigating ' with no specific timeframe. I have received no resolution, no timeline, and no access to my funds. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Help my rights are being violated, under15 U.S.C. & 1692. This agency is leaving demanding messages. I have stated that this not mine. I am stressed out because they are violating my rights. I have asked for verification over XXXX ago. Nothing has been provided. This account is not mine, and I do not owe this debt. I request that this account be removed from my credit file immediately and that your records be corrected to reflect this information. This is stressing me out and damaging my credit. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, JPMorgan Chase closed my checking account following a check deposit. At the time of closure, there was approximately {$1200.00} remaining in the account. I was not provided a written explanation at the time the account was closed. Since XX/XX/year>, I have contacted Chase multiple times to request clarification regarding the reason for the account closure and the status of my remaining balance. During these calls, I received inconsistent verbal explanations. I specifically requested a written explanation and documentation supporting the continued retention of my {$1200.00}, but I have not received any formal written notice or final determination. As of today, nearly XXXX XXXX later, the funds have not been returned to me. I have not received a check, nor have I been provided with documentation explaining the legal basis for retaining my money. I am requesting the immediate release of my remaining balance or a formal written explanation detailing the legal justification for continued retention of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
The valor intelligent process contact my personal device consistently stating I owe a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I am filing this complaint regarding my Credit Karma spending account, which has been frozen/closed while funds remain in the account. I experienced unauthorized transactions on my account and immediately disputed them. After the dispute was reviewed, I was informed that the case was resolved and that I would be issued a credit for the unauthorized transactions. However, my account remains restricted/closed, and I have not been given clear information regarding when or how I will receive my funds. I have contacted Credit Karma Member Support multiple times and was told my case would be escalated to a specialist team. Despite this, I have not received a specific timeline, resolution date, or clear explanation of when I will regain access to my money. These funds are important for paying essential bills, and the delay has caused financial hardship and stress. I am requesting : 1. Immediate clarification on the status of my credited funds. 2. A confirmed date for when the funds will be released. 3. Assurance that my money will not be withheld due to the account closure. 4. A written explanation for the prolonged restriction. I have made every effort to communicate directly with the company but have not received a satisfactory resolution. I am requesting the CFPBs assistance in ensuring my funds are released promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Receiving demanding calls and messages. Inaccurate information was provided. I never received any service from this business. I requested information over 45 days ago. Still nothing. I am receiving threating calls and constant voice mails. This stressing me out because this company by is violating my rights under 15 U.S.C. 1681s-2 ( a ). Information is inaccurate. This account is not mine, and I do not owe this debt. I request that this account be removed from my credit file immediately. It is affecting my credit score and me getting a home. Please help protect my identity. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: VA

Complaint narrative:
This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. You have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. Let me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. No assumptions, no automated entries, no unverifiable dataonly proof. Any record lacking full legal validation must be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX there was a XXXX transaction sent to an individual I did not know. I informed Wellsfargo that this was part of a Ponzi scheme and theyre scammer with the company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX also known as XXXX. I told Wellsfargo they have been shut down in XXXX and XXXX and I just found out about this after knowing what app was installed on my phone. They denied my case after a week saying they completed their investigation. I asked what did they found out to say this company and individual was legal? They blamed me for sending the money and falling for a scam. They had no protection for me as a consumer and didnt care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I asked them via chat why I was being charged {$41.00} for check return fee and yet a payment was made. They replied that a payment was returned and yet I see that a payment was made. Turns out there was a duplicate payment of the same that was declined and they still refused to waive that fee regardless. I never initiated the second payment and they still refused to remove the charge. This is what they do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NJ

Complaint narrative:
For more than a year now XXXX and this XXXX XXXX XXXX I had been demanding for them to send me a copy of my original signature on the paper and provide.but never receive nothing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA 02301 Year of Birth : XXXX Date : XX/XX/XXXX SELF / XXXX CAPITAL XXXX XXXX PACES XXXX XXXX XXXX XXXX, GA XXXX RE : DIRECT DISPUTE UNDER FCRA XXXX ( XXXX U.S.C. XXXX ) Account # : XXXX To Whom It XXXX Concern : This letter serves as a formal direct dispute pursuant to the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ), regarding the above-referenced account that you are furnishing to consumer reporting agencies. I dispute the accuracy, completeness, and validity of this account, including the reported XXXX and XXXX late payments. Under federal law, as a furnisher of information, you are required to conduct a reasonable investigation and review all relevant information provided in connection with this dispute. Specifically, I demand the following documentation : A complete copy of the original signed contract bearing my signature The original application used to open this account A complete payment history ledger from inception to closure Documentation showing how the late payments were calculated and reported Proof of your authority to furnish this information to consumer reporting agencies If you can not provide competent documentary evidence supporting the accuracy of this reporting, you must immediately notify all consumer reporting agencies to delete this account and all associated late payment history. Be advised that continued furnishing of information that is inaccurate, incomplete, or that can not be substantiated after receipt of this dispute may constitute a violation of the FCRA and may expose your company to liability under XXXX XXXX. XXXX and XXXX. You are required to complete your investigation within 30 days of receipt of this letter. Please provide your written response along with copies of the requested documentation. Failure to properly investigate and respond will result in escalation through formal complaints to the Consumer Financial Protection Bureau and other appropriate regulatory authorities. Sincerely, XXXX XXXX XXXX Enclosures :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: MO

Complaint narrative:
i recently reviewed my XXXX score and noticed that there are Fraudulent accounts reporting to my credit report these accounts need to be removed immediately. ( XXXX XXXX XXXX ) Opened on XXXX XXXX with the amount of {$53.00}. Another account is ( XXXX XXXX XXXX XXXX ) Opened on XX/XX/XXXX with the amount of {$840.00}. ANOTHER account is ( XXXX XXXX ) Opened on XXXX XXXX, XXXX with the amount of {$4400.00}

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 non-monetary relief
Consumer complaint received 2026-03-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
i recently reviewed my XXXX score and noticed that there are Fraudulent accounts reporting to my credit report these accounts need to be removed immediately. ( XXXX XXXX XXXX ) Opened on XXXX XXXX with the amount of {$53.00}. Another account is ( XXXX XXXX XXXX XXXX ) Opened on XX/XX/XXXX with the amount of {$840.00}. ANOTHER account is ( XXXX XXXX ) Opened on XXXX XXXX, XXXX with the amount of {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint against Wells Fargo regarding a XXXX transaction that was sent to a closed account and has not been reimbursed. On XX/XX/XXXX, I sent {$700.00} through XXXX from my Wells Fargo account to ( XXXX ) XXXX. After the transfer, I was informed that the receiving account was closed. Based on my understanding, payments sent to closed accounts are typically rejected and returned to the sender. However, the funds have not been returned to my account. I contacted Wells Fargo on XX/XX/XXXX and was informed that they would not reimburse the funds. I requested clarification and a formal investigation outcome, but I have not received a satisfactory explanation of what happened to the money after it was sent to the closed account. I am requesting : 1. A full trace of the XXXX transaction. 2. Written documentation showing whether the receiving bank rejected the payment. 3. Reimbursement of the $ XXXXif the funds were not properly delivered to an active account. I believe the funds should have been returned if the account was closed and I am requesting regulatory review of Wells Fargos handling of this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NE

Complaint narrative:
I still have not received my refund from my borrower defense discharge. My account has not been touched. They cant tell me if my refund has been sent to the Treasury or not. I have emailed the CEO of Mohela and have submitted multiple messages on the secure inbox system on Mohelas website. I dont understand why this is taking so long it should be rather easy to finish closing out my loans and giving me my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
A third-party debt collector, XXXX XXXX XXXX XXXX is furnishing and attempting to collect a rental debt on behalf of XXXX XXXX XXXX XXXX XXXX The tradeline on my consumer report shows : Original creditor : XXXX XXXX XXXX XXXX Collection agency : XXXX XXXX XXXX Amount/balance : {$1000.00} Date opened/assigned : XX/XX/XXXX Balance updated/ date reported : XX/XX/XXXX Status : Collection account. {$1000.00} past due as of XX/XX/XXXX. Annual Credit Report - XXXX I dispute the amount being collected and reported as inaccurate and not properly substantiated. I have documentary proof of payments made directly to the original creditor XXXX XXXX XXXX by cashiers check, including : {$1100.00} payable to XXXXXXXX XXXX XXXX on XX/XX/XXXX ( cashiers check XXXX ) XXXX EXHIBIT A.PDF paym {$300.00} payable to XXXX XXXX XXXX on XX/XX/XXXX ( cashiers check XXXX ) XXXX EXHIBIT A.PDF paym {$350.00} payable to XXXX XXXX XXXX on XX/XX/XXXX ( cashiers check XXXX ) XXXX EXHIBIT A.PDF paym {$170.00} payable to XXXX XXXX XXXX on XX/XX/XXXX ( cashiers check XXXX ) XXXX EXHIBIT A.PDF paym {$1100.00} payable to XXXX XXXX XXXX on XX/XX/XXXX ( cashiers check XXXX ) XXXX EXHIBIT A.PDF paym These documented payments total {$3100.00} and require the collector/original creditor to provide a complete accounting showing how the alleged {$1000.00} balance was calculated and how my payments and credits were applied. I also did not receive the required initial written notice/validation notice from the collector and first learned of this alleged debt through my credit report. Requested resolution : Provide full validation and complete itemized documentation supporting the claimed amount, including the lease/addenda relied upon, a full ledger of charges/fees/credits/payments with dates, move-out statement/inspection/damages documentation ( if claimed ), and proof of XXXX authority to collect ; Provide documentation showing where/when the initial written notice was sent and the address used ; While disputed, any furnishing must be accurately reported as disputed ; If XXXX can not substantiate the debt and amount with competent documentation, they must cease collection and request deletion/correction of any credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Robinhood regarding the unjustified freezing of my account and the withholding of my personal funds totaling {$240000.00}. For over 60 days, Robinhood has held my money without providing any valid explanation, justification, or timeline for resolution. Despite my attempts to resolve this matter through their standard customer service channels, I have received no actionable information or clear reason for this extended hold. Robinhoods failure to release my funds or provide transparent communication constitutes a severe breach of trust and financial harm. Holding nearly a quarter of a XXXX dollars for over XXXX months without cause is an unacceptable business practice that deprives me of access to my own capital. I am requesting immediate regulatory intervention to compel Robinhood to : Release my funds in the amount of {$240000.00} back to my linked bank account immediately. Provide a formal, written explanation for why my funds were held for over 60 days without communication.

Company response to consumer: Closed with explanation