vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Against Bank of America Delay in Returning Funds After Account Closure I am submitting this complaint regarding my Bank of America business account, which was closed approximately two weeks ago due to alleged suspected fraud or account abuse. I was informed that my remaining balance would be returned by check. However, I was later told the account is under review for up to 30 days, and no further details have been provided. At this time : - I have not received my funds- I have not been given a firm release date - I have not been told whether all or only a portion of my funds are subject to review- I have not been informed if any action is required from me to resolve the matter These funds are necessary for my business operations, and the delay is causing financial disruption. While I understand that banks may conduct internal reviews, I am concerned about the lack of transparency and the absence of a clear timeline. I am requesting : - A specific explanation of the reason for the hold on my funds- Confirmation of whether any legal or regulatory restriction applies - A firm date for completion of the review - Immediate release of any funds not subject to restriction - Expedited issuance and delivery of my remaining balance upon completion If the full review period is required, I request written confirmation of the exact date by which my funds will be released. Sincerely, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
Subject : Urgent Frozen Account with No Response and Inability to Resolve Balance I am requesting immediate assistance with my XXXX account, which has been frozen for over two weeks without any response from support. During this time, a portion of my assets was liquidated to cover a small negative balance. However, my account remains frozen, and I am unable to deposit funds or take any action to resolve the remaining balance. This creates a situation where I can not comply with the requirements needed to restore my account. I have already submitted support requests but have not received any updates or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am disputing an unauthorized debit card transaction in the amount of {$230.00} from XXXX XXXX. I did not make this purchase, I did not authorize it, and I have never used or had access to the email address associated with the transaction ( XXXX ). I never received any tickets, never accessed any account, and never benefited from this transaction in any way. I do not have and never had an account with XXXX. I contacted the merchant, but they refused to issue a refund and only claimed that the transaction was authorized without providing valid proof that I made the purchase. I also contacted my bank, but they denied my dispute based solely on the merchants response. I believe this is fraud or unauthorized use of my debit card. I am requesting a full refund and a proper investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the court-appointed administrator of my fathers estate and am filing a complaint against Bank of America regarding suspected elder financial abuse and improper account modification. My father was XXXX XXXX XXXX and in a vulnerable condition when a caregiver was added as a joint owner on his account under suspicious circumstances. Following this change, there were significant and abnormal changes in account activity, including spending patterns and multiple address changes, all of which are clear red flags of potential financial exploitation. Despite these indicators, the bank failed to implement appropriate safeguards, failed to detect or escalate suspicious activity, and has not provided a clear explanation of how the joint ownership change was approved. Additionally, the bank has delayed and obstructed access to key account records, including signature cards, ownership change documents, and complete account history. There has also been a lack of coordination between the estate and fraud departments, resulting in continued delays and failure to properly investigate this matter. I am requesting that the CFPB require the bank to : 1. Conduct a formal investigation into the account ownership change and related activity 2. Provide all requested account documentation to the estate 3. Explain the procedures followed to verify capacity and prevent undue influence 4. Take corrective action if failures are identified This matter involves potential violations of elder financial protection obligations and failure to safeguard a vulnerable customer. I am seeking immediate intervention and oversight to ensure proper handling. Sincerely, XXXX XXXX XXXX Administrator of the Estate

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was a Vitim of Fraud Last year so now I'm not able to open a new Bank Account to being on the Early Warning Services List and the Chex Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-20 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding PayPals handling of a dispute ( XXXX XXXX XXXX XXXX I purchased merchandise through PayPal on XX/XX/XXXX ( merchant XXXX ) and later returned the items according to the sellers instructions. The return shipment was sent via XXXX on XX/XX/XXXX and was successfully delivered to the sellers warehouse, with tracking confirmation available. After delivery, I communicated with the seller while they processed the return. The seller acknowledged receiving the package but refused to issue a refund, claiming internal discrepancies within their warehouse. I filed a dispute with PayPal. However, the claim was denied solely due to PayPals 30-day reporting timeframe. The delay in filing was not due to inaction, but was caused by the merchants extended delivery time and return processing period, during which I was attempting to resolve the issue directly with the seller in good faith. As a result, I am left without both the merchandise and my payment, despite following the return process and providing proof of delivery. PayPal did not evaluate the substance of the claim and relied only on a strict timing policy, which in this case resulted in an unfair outcome and a failure of buyer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I was a victim of identity theft, and a fraudulent checking account was opened in my name at Huntington Bank. I have contacted the financial institution on XXXX, XXXX, and XXXX informing them that the account was opened fraudulently and that it should be closed. I have not seen a resolution to this issue and I am receiving statements regarding the fraudulent bank account. I do not have a way to get in contact with the fraud department. I have only spoken with representatives that state they do not have a way of contacting the fraud department as they are not a client facing group. They have stated that tickets have been opened regarding my issue yet I have received no further communication regarding the closing of this fraudulent account or any types of flags that have been added under my Social Security number to prevent further accounts from being opened. Or having any type of mobile deposits and or withdrawals processed within the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 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: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Block, Inc. ( Cash App ) regarding an unclaimed property payout of {$210.00} that I am owed. Background : Cash App notified me of unclaimed property in my account ( Cashtag : XXXX XXXX, Notice Reference : XXXX ). After verifying my identity and authorizing account closure, Cash App confirmed on XX/XX/year> that a check for {$210.00} was mailed to my address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Issue : As of XX/XX/year> 20 days after the check was reportedly mailed I have not received it. When I followed up, Cash Apps Executive Relations team informed me on XX/XX/XXXX that mailed checks can take 45-60 days to arrive due to standard processing and mailing times with USPS. A 45-60 day delivery window for a {$210.00} check is unreasonable, especially from a company whose core business is digital payments. Block, Inc. has the technical capability to issue an electronic funds transfer immediately but has refused to do so. What I have requested : - Reissue the {$210.00} via ACH direct deposit or wire transfer instead of mailed check - Provide USPS tracking number for the original check - Confirm the date the check was deposited with USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
15 USC 1602 ( g ) ( 2 ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> Bank of America refused my access to create a digital debit card right after I deleted the previous card. This is not a duplicate complaint, but the 2nd offense on a new day, a demonstration of continuous data mismanagement, despite the Social security administration having successfully verified me as a depositor of my monthly retirement check. Once again, my two other related depositors on this account ending in XXXX in MY name have access to a digital card I do not, an example of retribution of a previous correction of this issue.

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 2026-04-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX and Equifax violated my rights as a consumer under 15 USC 1681C-2 and I needs these accounts blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove XXXX card account XXXX date ; XXXX XXXX XXXX, inquires ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am disputing transaction of {$1000.00} processed by XXXX ( as my primary financial institution ) through XXXX to XXXX ( cryptocurrency transaction site ) since it occured as part of a phishing scam. I was trying to sell an item through XXXX and was directed to a fraudulent website that looked like a legitimate site for payment verification process. During that process, a XXXX account and billing agreement was initiated within minutes. The account was newly created at the time of the transaction and billing agreement was established immediately. I did not knowingly authorize a cryptocurrency purchase with XXXX. I realized the fraud immediately and took steps to secure my accounts, cancel my debit card an dreport the incident. Because the transaction occured under deception through a phishing scheme and involved a newly created account and automatic billing authorization, I asked XXXX to review. XXXX reviewed and investigated and sent me notification that the IP addresses associated with the transactions were different from my home IP addresses. This, along with additional proof that the whole transaction was part of a phishing scam and should be considered a violation of Regulation E was provided to XXXX. However, XXXX has repeatedly refused to accept this and have not provided " chargeback '' to my account, as XXXX themselves have recommended. I am asking that CFPB compel XXXX to address the additional proof and permanently credit the amount to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: American Student Assistance
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding improper and potentially unlawful conduct by an entity identified as ASA in connection with my student loan account. I have reason to believe that representatives of ASA have contacted individuals who are not listed on my loan, are not authorized contacts, and are not members of my immediate family, in an attempt to obtain information about me. Specifically, I have received reports from two separate individuals stating that they were contacted by ASA and questioned about my personal and financial matters. Additionally, I possess documented evidence, including a screenshot, showing a representative identified as XXXX contacting an unrelated third party ( XXXX XXXX ) in an attempt to gather information about me. This conduct raises serious concerns for the following reasons : It constitutes an unauthorized disclosure of my personal and financial information It appears to involve third-party contact beyond what is legally permissible It may violate federal consumer protection laws, including restrictions on debt collection practices and privacy protections At no point have I provided consent for ASA or its representatives to contact unrelated third parties regarding my account. These actions have caused me distress and represent a clear invasion of my privacy. I am requesting the following : A full investigation into ASAs conduct and communication practices Immediate cessation of any third-party contact regarding my account Written confirmation of ASAs policies regarding borrower privacy and third-party communication Any corrective actions or enforcement measures deemed appropriate I am prepared to provide supporting documentation, including call records and screenshots, upon request. Please confirm receipt of this complaint and advise on any next steps. 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 explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Product : Checking or Savings Account Issue : Problem with a rewards or bonus offer Description : I am filing this complaint against JPMorgan Chase regarding a Savings/Checking Bonus Promotion I entered on XX/XX/year> at the XXXX XXXX , SC branch ( XXXX XXXX XXXX XXXX ). I opened the account specifically based on the verbal and professional assurances of XXXX XXXX XXXX. I explained my specific situation : I am a Single-Member LLC and the sole employee. I informed him that my " payroll '' consists of a monthly {$1500.00} transfer from my business account to my personal account. I asked directly if this met the " Direct Deposit '' requirement for the promotion. XXXX XXXX explicitly stated that this setup " worked '' and was sufficient for the offer. Relying on this professional guidance, I deposited {$15000.00} of new money and maintained the monthly transfers for over four months. Despite fulfilling every requirement as explained to me by the bank 's representative, Chase has disqualified me from the full bonus, claiming my transfers do not meet a technical definition of " Direct Deposit '' that contradicts what I was told at the point of sale. This is a case of misinformation and detrimental reliance. Had I been given the correct technical requirements, I would have adjusted my deposit method or chosen not to move my {$15000.00} to Chase. I am seeking the remaining {$700.00} bonus that was promised. I talked already to XXXX XXXX and XXXX XXXX at the same branch and they did not wanted to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
15 USC 1602 ( g ) ( 2 ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
b'Someone used my information to open utilities in XXXX XXXX Nevada somewhere around 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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law

Company response to consumer: Closed with explanation