vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am filing this complaint regarding PayPals handling of multiple denied fraud claims involving unauthorized account activity and suspected account takeover occurring XX/XX/year>. My account showed a payment of {$560.00} to a XXXX XXXX. This was a fraudulent transaction. PayPal denied my claims primarily because the transaction originated from an IP address historically associated with my account. However, substantial evidence indicates broader compromise activity involving multiple financial and online platforms. Supporting evidence includes suspicious transaction attempts, extortion-style XXXX payment demands, XXXX disruption XXXX and independent fraud alerts from XXXX XXXX XXXX I respectfully request a comprehensive forensic review of the account activity and reconsideration of reimbursement for the unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, a person sent me a payment of {$500.00} via XXXX from a XXXX XXXX account to my Chase business checking account. The sender has a confirmation number ( XXXX ) and a screenshot proving the payment was successfully sent. The XXXX payment was sent to XXXX. However, as of today XX/XX/year>, the funds have not appeared in my Chase business account XXXX days have passed and the money is still missing. I contacted Chase and they told me my account is in good standing but could not explain why the payment has not arrived. They did not provide any information about the whereabouts of the funds or a resolution to the problem. I am requesting an investigation into this transaction and that the {$500.00} be credited to my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: KS

Complaint narrative:
XXXX XXXX Police report # : XXXX. My name is XXXX XXXX XXXX and I am writing to request help about : a ) Request Cash app to conduct good investigation and retrieve my lost funds online. b ) request Cash app to reopen my account that was closed because of failure to investigate the case and retaliation. It's regarding an ongoing online scam that occurred between XX/XX/year> and XX/XX/year>. This fraudulent activity affected my Cash App account ( card ending in XXXX ) and my XXXX account ( card ending in XXXX ), resulting in a loss of approximately {$1200.00}. I first noticed unrecognized transactions around XX/XX/XXXX and immediately filed disputes with my banks. The unauthorized charges appeared under names such as XXXX XXXX XXXX, XXXX XXXX ( totaling {$420.00} ) on cash app and names like, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$400.00} with Chime. XXXX refunded the transactions and asked me to tell XXXX to contact them to help me. I have requested that my banks provide the terms, conditions, or merchant details for these transactions. Chime has reported no feedback from the merchants after XXXX days. Cash App initially claimed the merchants ( XXXX XXXX XXXX and XXXX XXXX ) are online casinos in XXXX XXXX XXXX, but they have failed to provide legal licensing or documentation of my agreement to these charges. Subsequently, Cash App closed my account after I insisted on a thorough investigation and merchant identification numbers for legal pursuit. Furthermore, I authorized certain transactions with XXXX based on their policy that a {$1000.00} or more deposit would allow for a {$5200.00} withdrawal of winnings that I had. They failed to adhere to this, returning only {$40.00}. I suspect these entities are operating illegal gambling sites and may be involved in a larger money laundering scheme targeting vulnerable populations by using intermediaries to move funds via XXXX. I have already filed an IC3 report with the FBI and filled a local police report to assist in further investigations. I look forward to your guidance on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have made consistent payments for over two years towards my XXXX XXXX credit card account. However, I have recently discovered due to being served and being sued that my payments were not properly credited to my account, resulting in inaccurate balances and potential negative reporting on my credit. I have documented proof of payment including bank statements and transaction conformation, clearly showing that payments were made in good faith and on time. Payments started in XX/XX/XXXX ( payments was between {$58.00}, {$56.00}, {$48.00}, it was not a set amount ) until XXXX of XXXX in the amount of {$43.00}. The payments automatically came out of my checking account between the XXXX to the XXXX of every month the date was always random. My issue is that my payments was not applied to my account resulting to the damage of my credit score, inaccurate report on my credit profile, harassment, and being sued which clearly is not my fault. I am requesting a full investigation of all payments made during stated period, correct any misapplied or missing payments immediately, adjust my account, accordingly, remove any negative credit reporting associated with these errors, and provide written confirmation of your findings and corrections, I can provide a complete payment history account record

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am disputing unauthorized transactions that have now all fully posted to my account. My phone was lost/stolen, and I did not authorize any of these charges. Chime denied my original claim, but I am requesting a full reinvestigation of all transactions. The fact that biometric authentication may have been used does not mean the transactions were authorized by me, as my device was compromised. I am requesting reimbursement for the full amount of all unauthorized transactions and expect compliance with all applicable consumer protection laws. View details Dispute # XXXX Your dispute was denied Check your email for more information. On Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$50.00} Denied Dispute # XXXX Your dispute was denied You disputed XXXX transactions Check your email for more information. On Saturday, XX/XX/XXXX Denied {$50.00} Denied {$100.00} Denied {$100.00} You disputed XXXX transactions Check your email for more information. On Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$50.00} XX/XX/XXXX at XXXX XXXX View details

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TrueAccord Corporation is collecting and reporting a {$130.00} debt to XXXX claiming I owe XXXX XXXX XXXX for unreturned equipment. I returned the equipment to an XXXX XXXX XXXX retail store at the time of service cancellation. I previously disputed this directly with XXXX XXXX XXXX before it was placed with TrueAccord. On XX/XX/year>, I sent a debt validation letter via certified mail to TrueAccord at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested the original XXXX XXXX XXXX account number, an itemized statement identifying the specific equipment by make model and serial number, XXXX XXXX XXXX 's internal records showing equipment return status, proof of the assignment agreement between XXXX XXXX XXXX and TrueAccord, and confirmation that the statute of limitations has not expired. As of XX/XX/year>, well over XXXX days have passed and TrueAccord has not responded to my validation request. Under the FDCPA, TrueAccord is required to cease collection activity and credit reporting until validation is provided. Despite failing to validate, TrueAccord continues to report this account to XXXX This debt does not appear on my XXXX credit report. I returned the equipment and do not owe this balance. TrueAccord is collecting and reporting an unvalidated debt in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
" I am filing a formal complaint against Santander Consumer USA for inaccurate and contradictory credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). Santander is reporting an account with a status of 'Sold to Debt Collector, ' yet their own payment history shows the balance was satisfied by XXXX recent payments : {$4300.00} on XX/XX/year> and {$11000.00} on XX/XX/year>. These reported payments total {$15000.00}, which exceeds the original charge-off amount of {$15000.00}. This makes the 'Sold ' status factually impossiblea creditor can not sell a debt that its own records show as paid in full. Additionally, I have never been contacted by the alleged new owner XXXX XXXX XXXX XXXX, nor have I received a required validation notice. This appears to be a case of 'debt parking, ' which violates the Fair Debt Collection Practices Act ( FDCPA ). I have already disputed this with XXXX but the contradictory information remains. If the auto was sold at an auction was never notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding my banks improper classification and denial of a dispute involving fraud and coercive misrepresentation by a moving company. The transaction was induced through material misrepresentation of a binding estimate that was not honored. During service, I was placed under duress and required to pay additional funds or abandon property covered under contract terms. This constitutes fraud/coercion, not a billing error. Despite this, the bank misclassified the dispute as a billing error and denied the claim based on an incorrect XXXX billing dispute standard. This reflects a failure to apply the appropriate fraud/scam investigation framework. I submitted supporting documentation ( contract, communications, and financial loss evidence ), but the banks denial does not demonstrate meaningful review or explanation of this evidence. Additionally, the merchant ( Safe Travels ) represented to the Texas Attorney General that I had been refunded through dispute resolution, after which the Attorney General closed the matter. However, I did not receive a clear, final, verifiable resolution consistent with that representation, raising concerns about the accuracy of information relied upon in downstream dispute handling. I am requesting : XXXX. Immediate reclassification of the claim under fraud/scam procedures XXXX. Full reconsideration of the denial based on coercion and misrepresentation XXXX. A detailed explanation of how my evidence was reviewed and why it was disregarded XXXX Review of the merchants reported refund status and its impact on prior determinations The banks handling reflects procedural misapplication, inadequate investigation, and reliance on an incorrect dispute classification that prevented fair adjudication of the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I attempted multiple times to close my TD Bank checking account before a maintenance fee posted. The online transfer system would not allow me to transfer the final small remaining balance ( {$1.00} ), so I contacted customer service and was instructed to visit a branch and wait for the account closure process. I called multiple times and also visited a branch in person requesting that the account be closed immediately because I did not want additional maintenance fees to occur. I was not warned that a maintenance fee would post before the closure request was completed. While the closure was still pending, a {$25.00} maintenance fee posted to the account, creating a negative balance of approximately - {$24.00}. The negative balance was caused primarily by the maintenance fee itself. TD Bank declined to reverse the fee because a previous unrelated fee waiver had already been provided on the account months earlier. I am requesting that TD Bank reverse the maintenance fee and allow the account to be closed with a XXXX balance, since I had already made repeated good-faith attempts to close the account before the fee posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Concora Credit XXXX XXXX I spoke to XXXX supervisors where I was brushed off with asking to provide information. I am filing a complaint regarding my credit card account and the credit protection/payment protection product attached to it. My credit card account was closed in XXXX while I was still paying for credit protection. I continued making payments and ultimately paid the account off, but the company has not given me a clear explanation as to why the account was closed while the protection product was still active. I contacted the company and asked for an explanation, including whether the credit protection was active, whether I was eligible to use the benefit, and whether I am entitled to a refund of protection fees after I am requesting that the company provide : XXXX. The reason my credit card account was closed in XXXX ; XXXX. A copy of the credit protection/payment protection agreement XXXX XXXX. The dates the protection product was active ; XXXX. A full breakdown of all credit protection charges ; XXXX. An explanation of whether the account closure prevented me from using the credit protection benefit ; XXXX. A refund of any improper credit protection charges, especially any charges billed after the account was closed or after the product could no longer provide a benefit ; XXXX. Correction of any inaccurate credit reporting caused by this issue, if applicable. I believe it may be unfair or deceptive for the company to close my account while continuing to charge me for a credit protection product, especially if I was not able to use the benefit or if the company failed to explain my rights under the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
We were approved for a loan modification. The loan company of freedom financial mortgage sent a notary to our home who gave us the paperwork we notarized all of it. She took the paperwork and sent it back to the loan company, and we continue to make payments suddenly in XXXX it shows that we havent made any payments and that the loan modification payments were not accepted.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
An unauthorized electronic fund transfer was made from my Wells Fargo account without my authorization. I did not initiate, approve, or benefit from this transaction. The transaction was routed through XXXX XXXX and processed by XXXX XXXX ; however, the funds were released directly from my Wells Fargo account without my consent. Wells Fargo denied my fraud claim, stating this was a merchant dispute with a thirdparty merchant and declined reimbursement. This classification is incorrect. Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), the determining factor is whether the account holder authorized the transfernot whether a third party such as XXXX XXXX was involved. I did not authorize this transaction. Wells Fargo failed to provide evidence that I authorized the transfer and improperly shifted liability by treating fraud as a merchant dispute. XXXX XXXX usage does not eliminate consumer protections for unauthorized electronic fund transfers. I am requesting CFPB review of Wells Fargos failure to properly investigate and reimburse an unauthorized electronic fund transfer as required by federal law. Wells Fargo case number : 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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, we made a deposit into our TD Bank account in the amount of {$4100.00}. This was a form of payment in the form of a check from another trusted local company that banks with XXXX. Funds were to be made available within the standard 2 business days once the verification of funds process was completed. Upon inquiring regarding the availability funds on XX/XX/year>, on XXXX separate occasions throughout the business day. We were subsequently given XXXX different answer all without any substantial explanation. Upon the first inquiry, TD needed to gather a little more information to complete the verification process and this was completed at the time of the call. We were then informed that the funds would be available within XXXX hours or by the end of business on the same day, XX/XX/XXXX. Later on in the business day, upon lack of communication and no action, we called once again only to be informed that TD was still completing their verification process and that funds will not be available until XX/XX/year>. This is an egregious amount of time so we contacted XXXX XXXX, the issuer of the check. The call resulted in verification that not only were the issuer 's funds available at the time of the initial deposit but they also verified the amount was transferred to TD Bank and accepted. We then had XXXX contact TD to verify verbally as to which TD responded that funds would now be available to us on the following business day, XX/XX/year>. After yet again, no action by TD to make funds available, the inquiring call this morning resulted in them now stating that they still have not verified funding availability and reverted to funds not being available until XX/XX/year>. Upon this call TD was not able to provide a viable explanation as to why verification from the other financial institution and record of the funds transfer from XXXX XXXX themselves still has not met TD 's verification requirements and explaining their extended hold on a smaller deposit such as this. When offering to cancel this transaction and our client willing to provided cash as payment, as opposed to the check, we were notified that this can not be done due to funds already being in possession of TD bank. This leaves us, a small business, in a financial conundrum causing us to incur late fees and cancellation fees from our other business partners, with non legitimate explanation from our financial institution ( TD Bank ) as to why they will not release our funds. In summary, TD Bank is verifiably withholding finances without reason. This is not a large deposit ( {$4100.00} ), from a local company, a transfer verified by another large financial institution ( XXXX XXXX ), yet TD Bank still refuses to make funds available and is holding our money without reason or explanation.

Company response to consumer: Closed with explanation