vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I had a fraudulent XXXX account opened in my name. There were fraudulent charges for XXXX Mobile and XXXX internet. I was unaware of this account until I received a collection notice from Credence XXXX XXXX. XXXX has acknowledged that I do not owe the charges. However Credence refuses continues to harass me saying I owe the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : URGENT : Formal Complaint Account Closure, Unresolved Dispute, and Credit Damage Dear Sir or Madam, I am writing to formally complain about my experience with Bank of America regarding an unresolved debit card dispute, the closure of my account, and the resulting damage to my credit. For over a year, I have been attempting to resolve a disputed credit card transaction that I believe was handled incorrectly. Despite my repeated efforts and filing a formal complaint, the matter remains unresolved. While this dispute is still open, my account was unexpectedly closed. I do not accept the banks position regarding the transaction, and I believe my claim has not been fairly or thoroughly reviewed. Most concerning, this situation is now significantly harming my credit score. Any negative reporting related to this unresolved and disputed matter is unjustified and must be corrected immediately. I respectfully request the following : A full and independent review of the disputed transaction A written explanation for the account closure while the dispute remains unresolved Immediate correction or removal of any negative credit reporting related to this matter Written confirmation that my credit file has been updated with all relevant credit bureaus Appropriate compensation for the financial harm, stress, and time caused by this prolonged issue Please treat this matter as urgent. If this issue is not resolved promptly, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau and other relevant regulatory authorities. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Account number XXXX Credit Collections XXXX XXXX XXXX XXXX Ma XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide full validation of the alleged account. Specifically, please provide the following : 1. The amount of the debt, including a breakdown of all fees, interest, and charges 2. The name and address of the original creditor 3. Copies of any documentation bearing my signature that shows I agreed to this debt 4. Proof that your company is legally authorized to collect this debt 5. Documentation showing that the debt is still within the statute of limitations 6. A complete payment history, including any charges or payments applied Until you provide proper validation, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. If this account is currently being reported, please mark it as " disputed. '' Please communicate with me in writing only at the address listed above. Thank you for your cooperation. Sincerely, XXXX 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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I used the ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I withdrew {$400.00} and when I went to grab the money from the money slot the money slipped into the ATM machine and fell backwards ( not out toward me but inside the machine ). On XX/XX/XXXX th I went to the XXXX XXXX XXXX and talked to a manager that told me that they do not service the ATM 's in their drive through that i need to contact my bank and let them know so they could investigate this. So on XX/XX/XXXX I contacted my bank which is Chime and I told them about the transaction and they said they would open a dispute claim. I also tried to contact the phone number on the atm itself and they told me that I needed to contact my bank that they would put a note in their system what had happend at that ATM I gave them the id number on the atm machine that I had gotten. Today I saw that chime has disputed my claim and i have no idea why I have not recieved an email or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SERVISFIRST BANCSHARES, INC.
State: AL

Complaint narrative:
On XX/XX/year>, I entered the XXXX branch location and asked a branch employee, ( not a teller ), for a print out of the only transaction I made through my business expense account, to provide clearance to my commercial leasing company. I was asked to provide a number of different articles. After providing the articles, the branch associate went behind the tellers and processed my instruments through the IDV system. After he returned to his desk, I was asked which transaction was I referring to. This prompted me to question him about what other transactions he was seeing on my account, as there should have only been one. He did not respond and began typing more information into the computer system. He then stood again and entered the branch manager 's office, to have a conversation. Upon returning, he handed me my articles and was adamant that he would not be able to assist me. He also stated that I needed to return to the opening branch, and ask them for assistance. On XX/XX/year>, I returned to the XXXX location, to see if I was allowed to make a cash deposit. As a precaution, I decided to video record the conversation due to the way I was initially treated. The branch manager invited me into her office and I proceeded to ask why a fraud alert ( SAR ), was placed on my account by the branch associate I met with on the XXXX. She stated that he was not the one who placed the alert on our account, but the system since it was newly opened. She stated it was not a fraud alert but only a new account alert, which was not true. I stated I would be reading the COO laws, researching and sending a formal letter of intent to pursue legal action, which prompted the branch manager to become irate and ultimately asked me to remove myself from the office. She stated the location was not my bank. I retrieved my things and left. On XX/XX/year> The branch manager, in retaliation, closed my expense account causing a catastrophic loss to my business. I was not aware of the account closure until I was advised by my business partner, on XX/XX/year>.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In XXXX 2025 Navy Federal Closed my bank account due to a credit card being opened and I had no knowledge of this credit card being opened. It was approved and sent to me in the mail. The next day they closed my account and said it was fraud. I didnt even apply for the credit card. I tried to explain that It wasnt my own doing and genuinely it wasnt. All I want is access to my account. I tried to fix this with them and they havent responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I received a phone call from a person claiming to be from my credit card company, CapitalOne. The person said they were calling to inform me that someone from NY had attempted to open a new credit card in my name. They referenced the last 4 digits of my SSN. They then transferred my call to someone who claimed to be from XXXX. This person referenced 3 open charge accounts in my name. They then asked me to verify one of the credit cards by giving me the first 12 numbers of the card. They then asked me to verify the card by giving them the last 4 numbers of the card. I expressed that I was not comfortable giving that information over the phone. The person then told me that if I was concerned that I should give him the wrong numbers and he would be able to tell me they were incorrect. So I gave him 4 incorrect numbers. He then said those numbers were correct. I then told him they werent the correct numbers and that u would be contacting capital one and XXXX myself. He then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally reported a repossession on my credit, but the required notices were not sent to my correct address. When I requested copies of the notices, Ally sent documents that showed two different addresses : one address where I did not live, and another address where I actually lived. This proves the notices were mailed to the wrong location. I disputed this with XXXX multiple times and contacted Ally directly several times. Ally only sent automated responses and did not provide proper validation or a consistent explanation. Because the notices were not sent to my correct address, I did not receive the legally required information about the repossession or sale. I am requesting a full investigation into Allys handling of the notices and the accuracy of the reporting. Additionally, the vehicle was sold for an unusually low amount compared to market value, which raises further concerns about whether the sale was handled properly. However, my primary issue is that the required notices were not sent to my correct address. When I requested copies of the repossession notices, Ally sent documents showing two different addresses. The address used at the time of the repossession was not my correct address, and I did not live there. I only received documents after I contacted Ally and provided my current address. This shows that the required notices were not sent to my correct address at the time of the repossession. The documents shows that Ally set a minimum sale price of {$7700.00} for the vehicle, which is significantly below typical market value. Because the required notices were not sent to my correct address, I was not given the opportunity to redeem, reinstate, or be aware of the sale terms. This further shows that the process was not handled properly.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed for an EIdL from SBA during the pandemic in 2020 and I was approved for an of {$17000.00} that was deposited into my chase XXXX account. I was only to access {$3200.00}, {$14000.00} was held by chase bank for some reason I do not know. I tried so many times accessing that account and failed. I spoke to chase customer service and was told there is an issue with the account and was instructed to walk to a chase branch in other to resolve it. I explained my issue with the branch manager and together with the branch manager called customer service, again without a resolution. I was then told I will be receiving a letter in the mail in the following weeks, which I never did. I gave up at some point hoping they will return the money back to SBA to free me up of the loan. As I write to you I am making monthly payment to SBA on a loan I partially got from Chase Bank. I am filing a complaint against JPMorgan Chase regarding my EIDL SBA loan and restricted account. Chase has been holding my funds for over 3 years while I am still actively making payments on the SBA loan. Despite multiple attempts to resolve this issue through customer service and/or branch visits, I have not received a clear written explanation for why my funds remain restricted or what specific actions are required to release them. This situation is causing financial hardship, and I believe it is unreasonable and potentially unlawful for a bank to continue holding funds for this length of time without transparency or resolution. I am requesting the following : A full written explanation of why my account/funds are restricted Immediate release of my funds OR clear legal justification for continued restriction A timeline for resolution Confirmation of whether my account is frozen, restricted, or under investigation I am prepared to provide any required documentation, but Chase has not clearly communicated what is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Re-insertion of Previously Deleted/Unverified Debt Without Required Notice I am filing this complaint because the company credence resource management is reporting a collection account that was previously disputed and deleted from my credit report due to a lack of verification. This account is being reported inaccurately and without the full validation required under the FDCPA. This is a recurring issue where the previous agency deleted the debt after failing to validate, only for this new agency to " re-insert '' the same unverified information. 1. Violation of FCRA Re-insertion Procedures : Under FCRA Section 611 ( a ) ( 5 ) ( B ), once a credit reporting agency deletes information because it was found to be inaccurate or unverified, they are strictly prohibited from re-inserting it unless the furnisher certifies the accuracy and the bureau notifies the consumer in writing within five business days. I never received a Notice of Re-insertion, making this reporting a direct violation of federal law. 2. Failure to Provide Full Validation ( FDCPA 809 ( b ) ) : I requested validation from the current agency, but they only provided a signature page. They failed to provide : A full itemized statement or accounting of the alleged debt. Proof of legal ownership or a clear chain of custody ( assignment ). Evidence that the account is within the legal statute of limitations. 3. Inaccurate Verification ( FCRA 611 & 623 ) : Despite the lack of documentation, the credit bureaus marked the account as verified. It is legally impossible to verify an account as accurate when no full validation exists and the debt was previously deleted for these exact same reasons. This demonstrates a failure to conduct a reasonable investigation. Requested Resolution : I am requesting that the CFPB intervene to require the permanent deletion of this account from all credit bureaus. Furthermore, I request that a " block '' be placed on this specific debt to prevent any future " debt dumping '' or re-insertion by subsequent agencies, as the debt has repeatedly failed to meet federal validation standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I deposited XXXX into my PayPal account and then within minutes they limited my PayPal account. They wanted bank statement, I'd, proof of address, etc, and wanted explanation of a few transactions. Those transactions were all deposits from my boyfriend and my best friend. I did nothing wrong, nothing illegal, I've been a PayPal customer for years. How can they just shut down my account for no reason and not give me my funds? I literally did nothing wrong. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> around XXXX while i was at work i recieved XXXX notifications from cash app that i had withdrawn all my money which was XXXX $ total XXXX transactions were {$180.00} and XXXX was {$62.00}, i immediately ran to my purse to see if i had lost my card i looked and it was there so i was confused. I immediately disputed all XXXX charges explaining i hadnt approved nor made those withdrawals. They accepted XXXX dispute for XXXX but the other XXXX were denied i appealed and was denied again with no investigation being dont nor reason. They didnt give me the address to why or where this transaction took place to make a police report and they said there decision is final although im 100 % sure i was a victim of skimming.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management filed a lawsuit against me in XX/XX/XXXX regarding an alleged debt of approximately {$25000.00}. I retained legal counsel and filed a response to the complaint. On XX/XX/XXXX, Midland Credit Management voluntarily dismissed the case without prejudice, as confirmed by court records. This indicates that the company chose not to proceed with the legal action after initiating it. Despite this, the account continues to be reported on my credit report as an active collection with a balance of {$25000.00}. If the debt could not be substantiated in a legal proceeding, it raises serious concerns about the accuracy and validity of the information being reported. Additionally, there are inconsistencies between the original creditor reporting and the current balance. I am requesting that this account be removed unless full documentation can be provided to substantiate the debt and its ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been a PayPal customer for 8 years with a completely clean history and no disputes or chargebacks ever. About 4 months ago I switched my account from personal to business status. I was processing around {$30000.00} per month, with the vast majority of payments coming from the same long-term clients and companies I have worked with for years. In recent months my account was placed on hold XXXX separate times. Each time I fully completed the detailed questionnaire and provided all requested information. The final time, I simply tried to withdraw some of the immediately available funds, and the account was then permanently limited/banned with no specific explanation of any policy violation. I have always cooperated fully and never violated PayPals terms. This sudden permanent limitation has completely shut down my small business. I have a wife and XXXX young children at home and we have lost our main source of income. I have already contacted PayPal support multiple times, completed every questionnaire, and submitted all requested documents. Their responses have been generic and state the decision is final. I am requesting a full manual review of my account, removal of the permanent limitation, reinstatement of my business account, and immediate access to my funds. If reinstatement is not possible, I ask for a clear written explanation of the exact policy violation and prompt release of all funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: NV

Complaint narrative:
I am filing a complaint regarding my business account held through Relay Financial, whose banking services are provided by XXXXXXXX XXXX XXXX XXXX My account ( XXXX XXXX XXXX ) was frozen on XX/XX/year> due to an alleged wire recall request. I was not informed which transaction was subject to recall at the time, and despite repeated requests, I was not provided documentation or details about the originating bank or the recall itself. During XX/XX/year>, I received XXXX wire transfers from the XXXX senders in the amounts of {$120000.00} ( XX/XX/year> ), {$10000.00} ( XX/XX/year> ) and {$1000.00} ( XX/XX/year>. Last XXXX wires were sent by the same company. I contacted both senders multiple times, and they confirmed that they did not request any recall and that their company accounts remain active. They also confirmed they have not received any returned funds. My account remained frozen for nearly XXXX months without resolution. On XX/XX/year>, I was informed that my account had been closed by the Relay compliance team. I was told that my remaining funds would be returned by check only after the investigation is completed, but no clear timeline was provided. As of today, more than 80 days after the initial freeze, I have still not received my funds, nor have I been provided with : The final balance to be returned Any accounting of deductions or reversals A clear timeline for resolution My last visible account balance was approximately {$9100.00}. Despite multiple follow-ups, I have only received vague responses stating that the recall is still active and that the investigation is ongoing, with no defined timeline. This prolonged delay is materially impacting my business operations. I am requesting that XXXXXXXX XXXX XXXX XXXXXXXX : Complete the investigation promptly Provide a full accounting of the account balance and any adjustments Release and return my remaining funds without further delay Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation