vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Capital One Executive Office / CFPB Review Team, I am filing this complaint regarding my Capital One Quicksilver secured credit card account ( ending in XXXX ), which was abruptly and unexpectedly closed by the bank 's automated risk system without any prior notice or proper justification. As clearly shown in the attached official account screenshot ( XXXX ), my account is currently marked as " Closed, '' and my Current Balance is exactly {$0.00}. This proves beyond doubt that I do not owe any outstanding balance to the bank. This card was used strictly for legitimate personal expenses, including standard digital services and everyday spending via linked mobile payment platforms during my international travels. I strongly believe the automated system triggered a false-positive flag due to foreign merchant descriptors. Most importantly, this is a secured card for which I deposited {$200.00} of my own funds. Since the account is closed and the balance is XXXX, Capital One has no legal or financial justification to withhold my money. However, the bank has failed to promptly return my {$200.00} security deposit. I respectfully request an executive-level manual review of my account to either fully reinstate it, or at the very least, immediately release and refund my {$200.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
SORRY, THEY DID NOT PROVIDE PROOF. THEY SAID THEY OBSERVED MULTIPLE PAYMENTS FROM UNKNOWN SOURCES, WHICH ARE INCONSISTENT WITH TYPICAL USE. THAT IS NOT A GOOD RESPONSE. BECAUSE I WOULD PAY WITH LEGAL MONEY ORDERS AND PERSONAL CHECKS. I WOULD LIKE ADDITIONAL PROOF THAT I DID SOMETHING ILLEGAL CAUSING THEM TO DENY ANY FUTURE BUSINESS WITH THEM. ME AND MY HUSBAND XXXX XXXX HAVE BEEN DOING BUSINESS AS XXXX XXXX XXXX EVER SENCE XXXX. WE HAVE BEEN SELF EMPLOYED ALL OUR LIVES AND I HAD A CHECKING ACCOUNT WITH XXXX AT THE TIME. XXXX DECIDED TO CLOSE MY ACCOUNT FOR THESE REASONS CITIBANK HAS MENTIONED, BECAUSE THEY ARE WORKING TOGETHER. CITIBANK IS THE OVERSIGHT FOR CHASE AND OTHER MAJOR BANKS. I CANT GET APPROVED BY MACYS, HOME DEPOT, XXXX, CITIBANK, XXXX XXXXXXXX AND OTHER MAJOR COMPANIES. I HAVE EXCELLENT CREDIT. I HAVE NEVER FILED BANKRUPTCY AND HAVE NEVER BEEN CHARGED WITH ANY CRIMES. I STRONGLY FEEL THAT THEY DEBANKED ME AND MY HUSBAND AND OUR BUSINESS. I FEEL ITS AFFECTED US AS INDIVIDUALS AND MY BUSINESS WITH NO GOOD VALID EXPLANATION. I WOULD LIKE TO APPEAL THIS DECISION.

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 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
When I tried to request my card, the Next button turned gray and I was unable to move forward. I contacted customer service at XXXX I got the number through my Cash App account. When I spoke to the representative and explained that I was unable to complete the process to have my card mailed to me, she helped me walk through the steps to try to resolve the issue. She also sent me an email, which I responded to by sending pictures from the app. Surprisingly, she informed me that my address wasnt working because its not a residential address. I was shocked, because this is my address and it is a residential address. The representative said the only way I would receive my card is to use a trusted friends or family members address. I told her that advising me to have my card sent to a third party was bad advice and exactly the type of thing that leads to scams. I requested to speak to a supervisor. I was transferred to XXXX, who claimed to be a supervisor. Unfortunately, XXXX gave me the same advice : that my address is not residential, and the only way I could get my card is to use a friends or family members address that I trust. I believe it should be illegal to advise customers to use a third-party address to obtain their debit cards. XXXX then told me that if I dont have a trusted friends or family members address to use, no further action can be taken on my account regarding mailing my card. I also sent pictures of my house with the house number visible, but unfortunately, the Cash App supervisor still told me to use a third-party address. I asked if Cash App operates in Maryland, and I was told yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In approximately XX/XX/year>, I began the process of transferring the title from the state of XXXX to the state of XXXX where I reside. In order to transfer title, I need the lien holder Wells Fargo to transfer the title to XXXX. Wells Fargo, for the last XXXX plus months, has been asking me to provide certain information in order for them to be able to transfer the title. The information that they have been asking me to provide doesn't exist. For example, they are asking me to provide letterheads from the XXXX in XXXX. I have visited the XXXX multiple times, and the XXXX has confirmed that this is not something that they can provide. It is not a standard document, and there is nothing that they can provide. Every time I talk to someone at Wells Fargo, they give me different information, ask for different documentation, and are unable to give me the correct information. They tell me that they need a certain document, and then I provide them with that document. When I provided it to them, their response is, " Oh, there's a different team that reviews this, so I can't confirm if this is the correct documentation. Give us a couple of weeks, and we'll get back to you. '' A few weeks go by, and I follow up multiple times and find out that there's some sort of issue with the documents, but the issue is never communicated properly. When I call them the first time, they say the issue might be XXXX. Then I call them back, and they say the issue is XXXX. Every time I say that I just need to talk to someone who can tell me exactly what the issue is and get this resolved, they punt and say that there's no one available and it's a different team and there's no supervisors. I just can not get this resolved. The result is that I am unable to transfer the title to a vehicle which I am attempting to sell. I can not afford to continue paying for this vehicle, and I would like to sell it, but Wells Fargo is just interested in continuing to collect interest. They just delay any process of transferring the title so that they can continue to collect interest payments on this. To add on top of that, the XXXX team does not provide any written instructions or communication. They only ask to call in, and so I can never get any sort of confirmation of what was said last time, because they only have me call in and the conversations are all over the phone. So I send them stuff in writing, and they do not respond in writing.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
CONCRETE PROOF OF MERCHANT DECEPTION & CONTRACT BREACH : I am submitting two critical pieces of evidence that completely disprove Chase 's verbal claims that immigration services were not included in my purchase : XXXX ( Written Contract Breakdown ) : A direct chat transcript from the XXXX representative ( XXXX XXXX ) detailing that out of the total package cost, I was explicitly charged AED XXXX for an Immigration Card, AED XXXX for E-channel Registration, and AED XXXX for an Investor XXXX with XXXX ID. XXXX ( Official Corporate Portal ) : A screenshot of my active XXXX merchant dashboard showing an official allocation of " 1 Allocated XXXX '' and " 1 Available XXXX. '' Despite being explicitly billed for XXXX and immigration execution channels, the merchant can not deliver the product due to an un-bypasable technical glitch regarding a mandatory government backend UID number. The Chase phone representatives completely failed to inspect this evidence, choosing instead to aggressively badger me into accepting a loss. Under Regulation Z, 12 CFR 1026.13, a creditor fails to comply with its obligations if it ignores clear documentary evidence proving that the merchant has failed to render the explicitly billed services. This is an undeniable Total Failure of Consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX an unauthorized debit was made from my account in the amount of {$68.00} plus a {$3.00} non-Chase ATM fee was applied. After receiving my request that the funds be returned to my account due to fraud, I was contacted by Chase claiming that my card and pin number were present and entered correctly at the time of the transaction however I was never physically preset at the location of the transaction nor did I authorize said transaction. I have never used my debit card at this gas station and Chase is still claiming that the transaction was not fraudulent and refuses to do any further investigating on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Formal Complaint Against : Jefferson Capital Systems , LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX Credit Disputed Amount : {$5000.00} Description of Issue : I am filing this complaint against Jefferson Capital Systems for failing to respond to a timely debt dispute and validation request, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Background of the Coerced Debt : This alleged debt is completely invalid and unenforceable. On XX/XX/XXXX, the medical provider ( XXXX XXXX ) used physical and emotional duress to coerce my signature for an additional {$5000.00} after I had already been placed in the surgical operating chair and prepped for XXXX. A prior, valid financial agreement for {$27000.00} was already finalized, which I have paid perfectly and on time. The original creditor, XXXX XXXX, responded to the certified letter I sent informing me they sold the account to Jefferson Capital on XX/XX/XXXX. Timeline of the Violation : 1. On XX/XX/XXXX, I sent a formal written dispute and debt validation demand to Jefferson Capital Systems via mail. 2. As a debt buyer, Jefferson Capital was legally required to cease collection activities and provide validation of this debt before proceeding. 3. As of XX/XX/XXXX, 30 days have passed, and Jefferson Capital has completely ignored my dispute, failed to provide verification, and failed to communicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
Mail from Pressler , Felt & Warshaw , LLP Stated that there was purchases made by Myself and a XXXX XXXX totaling XXXX on about XX/XX/year> from XXXX through XXXX and a bot took some of my ID. Some my have originated with social security at XXXX XXXX Pa XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please refer to the attached, signed formal complaint and supporting bank statements for complete details. My Bank of America account was subjected to an unauthorized account takeover, resulting in stolen funds via unauthorized transfers. Bank of America summarily denied my fraud claim without a proper investigation and failed to provide provisional credit. I am requesting a full, transparent investigation and the immediate return of my stolen funds.

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 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
Last year on XX/XX/XXXX I purchased a hotel for a night and used my Cash App card. When I woke up I noticed that they took a payment of {$83.00} twice. I went too the front desk of XXXX XXXXXXXX in XXXX ga XXXX and they told me they noticed the charge and already sent the refund back. Then I go on Cash App and I see they refunded me my money but it wasnt gon na come back into my account up till 120 days. I figured that was weird but I waited a few more days and submitted a dispute on XX/XX/year>. They told me to wait out them days and the money should hit my account. I never received the money so I call Cash App and explain too them what happened and you can see that the dispute was denied. They tell me they refunded me my one XX/XX/XXXX th which is not true because I filed a dispute on XX/XX/XXXX. On top of all that I never received any of my deposits back from the hotels! I called the hotels and they told me they been sent the refund back Cash App has too put it on your card. Which I never received them deposits back either and I paid at least {$150.00} all together for them deposits

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
They started calling on XX/XX/2026 from XXXX saying that I was being sued and needed to call ( XXXX ) XXXX to find out who was suing me. When I called they said they were a company called XXXX suing on behalf of ACIMA that if I didnt start a payment arrangement they would file with my local courts immediately. They told me I was being sued for more than I owe and if Im sued that I would owe them nearly XXXX more to pay for their lawyers and etc. upon researching I realize I was being scammed by acima themselves as they contract XXXX. When they called the following XXXX I asked for proof of debt validation and they said they were suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I applied for XXXX forgiveness / buyback in XX/XX/year>. This was reapplied in XX/XX/year>. I have consistently updated my employment every year since I first began tracking XXXX XXXX years ago. I was forced into forbearance for the XXXX plan. I have no other periods of missing payments or forbearance aside from my time in the XXXX plan. I have been waiting for a response for 11 months. I have repeatedly called or messaged the department and been told I am " in the queue '' with no ability to be told " where '' or " when '' I will hear more.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/year>, while visiting XXXX, XXXX, I made a small purchase consisting of basic items such as ibuprofen, toothpaste, and sunscreen. The merchant provided a receipt showing a total of " XXXX, '' but the receipt did not contain an itemized list of the products purchased, nor did it clearly indicate whether the amount was in XXXX pesos or U.S. dollars. Subsequently, my American Express account was charged {$1800.00} USD. This amount bears no reasonable relationship to the items I purchased and does not correspond to the amount shown on the receipt. I never purchased merchandise totaling {$1800.00}, nor did I sign any receipt authorizing a charge in that amount. I disputed the transaction with American Express and explained that while I acknowledge making a small purchase at the merchant, I do not recognize or authorize the amount charged. American Express declined to resolve the dispute, stating that because I admitted to making a purchase at the store, they assumed the amount on the receipt represented U.S. dollars and therefore considered the charge valid. I requested additional evidence, including surveillance footage and documentation showing the items allegedly purchased, to verify that I received goods valued at {$1800.00}. American Express advised me to address those concerns directly with the merchant. To date, no evidence has been provided demonstrating that I purchased or received merchandise anywhere near the amount charged to my account. I am seeking assistance because the available documentation does not support a charge of {$1800.00}, and neither the merchant nor American Express has provided sufficient proof that I authorized or received goods of that value. I have tried to talk to the merchant, they pretend to not speak XXXX. When I asked for an itemized receipt, they stated their printer was broken. They provided a receipt to AMEX including items I have no clue what they are. Still. this also would not add up to {$1800.00}. And again, the receipt the store gave me states XXXX and no currency, not XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A friend sent XXXX from XXXX XXXX to my PayPal XXXX wallet address on XX/XX/year>. The transaction was confirmed on the XXXX ( XXXX : XXXX ). PayPal acknowledged the funds arrived at their wallet address but refused to credit or return the {$410.00} worth of XXXX, citing that XXXX is unsupported. PayPal controls the private keys to that wallet address and has the technical ability to recover these funds. I am requesting PayPal retrieve and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: U.S. BANCORP
State: KY

Complaint narrative:
I ordered XXXX turn mower from XXXX XXXX in XXXX of XXXX. I have called several times to either get it delivered or get a refund. They did neither. Open dispute number with XXXX XXXX is XXXX. Its now XXXX. I have no mower and Im out XXXX I contacted US Bank in XXXX to have them just cancel the transaction. They did. But now they are charging me and overdrafting my account for the full amount. They state they tried to contact me for further details. This is not true. My voicemail is not full. I have received no calls and no messages left by them. Now they are stating I will have over draft fees. Open dispute number with US Bank is 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 2026-06-11 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2026-06-11 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
When I first purchased this house XXXX XXXX XXXX XXXX XXXX fl XXXX when I close on everything the payment was {$1800.00} per month. Im not really sure who is in fault here we ran into an escrow shortage which we have been paying back which is at {$2500.00} a month that is my normal mortgage payment XXXX escrow recovery, and in the midst of all of that we got sold to another mortgage servicer after making the last payment coming up on XXXX XXXX the numbers are showing that the new final payment even after my 100 % va property tax exemption would be roughly {$40.00} higher. This is becoming un affordable for me. I am on a fixed income. I never once planned on paying more than the XXXX that fit very carefully and the allotted money that I have to take care of me and my family every month the new mortgage amount will be {$1900.00} and change that is unsustainable for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation