vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 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: HI

Complaint narrative:
On XX/XX/XXXXXXXX  I had received an email from the company ( XXXX  ) stating my account had been suspended following a payment of {$52.00} on XX/XX/XXXXXXXX  and a payment of {$390.00} on XX/XX/XXXXXXXX  from family members. On that same day, XX/XX/XXXX, I followed the instructions in the link the email provided. The link asked for an ID to which i provided my Drivers License. I continued to check for an email response from the company everyday following the initial email up until XX/XX/XXXXXXXX  and had gotten no response. On XX/XX/XXXXXXXX  I went into my XXXX  account and saw in the notification center that they wanted proof of my home address. On that day i provided it through the app using my Drivers License. My Drivers License had my XXXX XXXX as my address so I received an email from XXXX  saying they needed a different form of home address proof. It stated i could use a bank statement with my home address visible. I then provided a screenshot of my bank statement which had my home address visible. That same day, XX/XX/XXXX, they sent an email stating they were reviewing my documents. 
On XX/XX/XXXXXXXX  I received an email stating my account had been permanently deactivated. 
I then asked for clarification as to why it had been deactivated, they then said, XXXX  services are no longer available to you I apologize that we are unable to assist you further. and As stated in our User Agreement, if we determine, in our sole discretion, that you may have breached our terms, that you or your Account activity present risk or security concerns, we may take actions to protect XXXX  and our users. Unfortunately they had provided no reasoning as to why my account had been XXXX and there is over {$400.00} that belongs to me that I am not able to get back. The exact amount in the account is {$440.00} which was to be used towards a trip on XX/XX/XXXX. They have refused to work with me on resolving the issue and returning said money and i have no known violations on the platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not open credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchase date : XX/XX/2025 Amount charged : {$1200.00} x2 ( 2 tickets ) Reference ID from Chase : XXXX XXXX I purchased two flight tickets using my Chase card to take advantage of their offer. However, Chase provided misleading information about their offer and failed to respond appropriately. Every representative I spoke to gave incorrect information. I attempted to escalate the issue with Chase multiple times, including visiting their branch and calling their credit card department. Despite my efforts, Chase never responded to me after several days of waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: LA

Complaint narrative:
I am writing regarding a collection account your company is reporting on my consumer credit report. I dispute this debt in its entirety. 

I have not received proper debt validation prior to or after your reporting of this account to the consumer reporting agencies. Reporting a collection account without providing validation violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt. Please provide the following documentation : A copy of the original contract or agreement bearing my signature The complete chain of title, including any bill of sale A valid transfer and assignment agreement demonstrating Hudson Valleys legal authority to collect Any flow or purchase agreement governing the transfer of this alleged debt The name and address of the original creditor, along with the date of first delinquency Please note that I have no contractual relationship with Hudson Valley Collection Bureau. You are not listed as the original creditor on this account, and you may not simply provide an old billing statement or account summary from another entity and expect payment. 
Absent proof of lawful assignment and ownership, such documentation does not constitute proper validation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America claims I owe money. It's not mine debt and hurting my credit

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This is a dollop to a current complaint regarding an accidental payment made to Citibank on XX/XX/XXXX which XXXX sent on the XXXX from my checking account at XXXX. I realized the error a few days later, maybe the XXXX or XXXX and beg and reaching out to Citibank. On the 3rd attempt still in the XXXX, around the XXXX I reached a gentlemen who I believe worked in accounting who after some digging in the archives confirmed my info and emailed disputes to reimburse me the {$7500.00} or reimburse it to XXXX. It was quite the process to get transferred to this person as the call in system isnt set up to help people with archived accounts. Fast forward to XXXX and the call in system is 20 times worse and seems now to either be outsourced or I am deliberately placed in another response category where people dont only refuse to transfer you to other departments but they wont even put the supervisor o no the phone or transfer the call up the chain. They just say Im sorry I cant find your account so we cant help. 


Im writing now because I want to be provided a number and email of someone I can contact because the length of time in returning my money has reached a ludicrous level. I dont care if you cant locate my archived account. This man could. Email everyone with some details and ask that the person familiar respond. Everyone at Citibank plays XXXX or helpless. It cant be that hard to confirm that on XX/XX/XXXX a payment was recieved for {$7500.00} with information tied to an account that is not active. The check should have been declined or returned immediately. Ive provided both written and digital copies of the check provided by my credit union. All I get are responses Citi provides CFPB about we are still looking into this. You can see where you got paid. So return it. Ive since incurred late payment fines and accrued interest. I just sold my other truck in the last week. If Citi doesnt provide me with a person to communicate directly with and return my money by the end of XX/XX/year> I will move forward with an attorney. 

It appears that Citi has intentionally created a system to make it difficult for people to contact anyone of importance with access to accounts who could help. I dont understand how Citi can take money for an account they say they cant find but they cant return it. Sounds like theft to me. Enough excuses. Enough delays. 

My contact info is : XXXX XXXX XXXX Cell XXXX ( text before XXXX est ) XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2026-01-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX the Wells Fargo Claims Assistace Center sent me a link to an 11 page resolution of claim document that was dated XX/XX/XXXX. It claims that the charge on XX/XX/XXXX was made on the internet to make a reservation. The claims department has stated to me that they had a record that they knew the charge was made by putting the card through a machine. So they knew this wasnt true, but they went ahead and accepted it anyway. I had already been living in the room for a year so I didnt need to make a reservation. I was just trying to pay the rent. 
Pages 3 and 4 of the document are unreadable. It appears to be a list of my daily rents for my last 30 days at the hotel. On page 5 they show my total rent up to XX/XX/XXXX to be {$1000.00}. The records show that I made that charge on XX/XX/XXXX. The {$1000.00} that was made on XX/XX/XXXX was a bogus charge that I received nothing for and should be returned to me immediately. 
Thanks, 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 2026-01-12 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$280.00} by XXXX XXXX XXXX ( XXXX XXXX ). After receiving the order, I determined that one of the products appears to be counterfeit. I contacted the merchant and requested proof of authenticity. The company refused to provide any such proof and also denied my request to return the product or receive a refund because it's after XXXX days return period. 

Given the circumstances, I filed a dispute for this charge with U.S. Bank. However, I was advised to resolve the matter directly with the merchant. Despite providing details of the counterfeit concern and the merchants refusal to cooperate, U.S. Bank declined to offer further assistance or protection.

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 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding multiple collection accounts that are being reported on my credit report without proper debt validation and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my disputes, the following collection accounts continue to appear on my credit report even though no proper debt validation has ever been provided by the furnishers or collection agencies : Accounts in question : XXXX XXXX XXXX XXXX Charged-off account ( {$2000.00} ) Credit Control Services Inc Collection account ( {$830.00} ) Eastern Account System XXXX Collection account ( {$270.00} ) XXXX XXXX XXXX account XXXX {$1400.00} ) XXXX XXXX XXXX account XXXX {$230.00} ) I have never received documentation proving : That these debts are legally mine That the collection agencies have the right to collect That the balances reported are accurate I submitted disputes through the credit reporting agency XX/XX/XXXXclearly requesting verification and debt validation.

I have never received any documentation proving ownership of these debts, contractual obligation, or accurate balances.

I acted in good faith and followed the proper dispute process under the FCRA.

I am respectfully requesting that the CFPB investigate this matter and require the credit bureaus and furnishers to delete these collection accounts immediately if they can not provide proper The collection agencies and/or furnishers failed to provide proper debt validation.

The accounts continue to be reported despite my disputes.

No signed contracts, itemized statements, or proof of legal authority to collect were provided.

The continued reporting of these unverified accounts has caused financial harm and negative impact to my credit profile.

Under the Fair Credit Reporting Act, information that can not be verified as accurate, complete, and belonging to the consumer must be deleted. Reporting unvalidated debts after a dispute constitutes a failure to properly investigate.

I respectfully request that the CFPB investigate this matter and require the credit bureaus and furnishers to delete these collection accounts if proper validation can not be produced Thank you for your assistance and attention to this matter. 

Sincerely, XXXX XXXX Current Address : XXXX XXXX Date of Birth : XX/XX/year>

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for Citi XXXX XXXX XXXX on XX/XX/XXXX, it is now XX/XX/XXXXXXXX  and have not received a decision application, despite providing requested IRS 4506 tax verification form on XX/XX/XXXX. Three calls submitted to Citi application line, each one met with " your application and form have been received and will be reviewed within 24-36 hours ''. This is a lie.

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 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
So around the mid part of XXXX, around the XXXX of XXXX. I ordered XXXX from XXXX. I received my bottom impression, but I had to send them more money to get a new impression because the first one they could not use. I received the top, finished product and I was not satisfied. I contacted XXXX and they informed me that I was putting them on upside down. Even by me doing that they still looked hideous and I wanted my money back which they told me, they would not do. Thats when I reported this to my bank, Navy Federal Bank. I opened a fraud case. About two weeks later they sent me an email saying that since I did not send them the information that they asked of me, they closed my case. I went on the Navy Federal App and talked to a representative and she then instructed me on where to go in the app to upload my documents to show all my proof. I even sent them a screenshot of the representative that I spoke to and what she instructed me to do. I sent loads of documents way before the time was up for me to send my documents. So I called Navy Federal and a representative instructed to me to resend my documents so they could hopefully reopen my case and look at the documents. They sent me a email again that the requested documents were not sent by me so they closed my case again. Now I will say when I called the bank to report XXXX, the representative asked me what happened in detail and he typed everything up in the computer. After a few minutes the bank returned my {$230.00} back to me. Well now the bank has my account being- {$230.00} that I owe them. First why would they automatically give me the money back without requesting the much needed information before giving me any money back. I asked them for a chargeback, I think thats what they call it. I just think that I was already requesting my money back from XXXX, for a product that I was totally unsatisfied with. So now the bank I think is saying that I didnt get the documented proof that I had to prove my case. So I am reporting XXXX and Navy Federal for products and services that were totally unsatisfactory to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 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: AL

Complaint narrative:
My PayPal account, which has been open for several years and has processed hundreds of legitimate transactions without issue, was permanently limited without warning on or around XX/XX/year>. No prior restrictions, disputes, chargebacks, or compliance concerns had ever been communicated to me before this action. 
Upon receiving notice of the permanent limitation, I reviewed my account activity and PayPals User Agreement but was unable to identify any transaction or behavior that could justify this action. PayPal stated only that the decision was made after a review and has refused to provide a specific policy citation or explanation. 
I contacted PayPal to request a manual review and clarification. Despite these efforts, PayPal has not provided a substantive response or meaningful opportunity to address the issue. I also filed a formal complaint with the XXXX XXXX XXXX, to which PayPal has not responded. 
This permanent limitation prevents me from managing or using my mobile wallet account for legitimate business purposes, including my freelance XXXX XXXX work. I am requesting a full manual review of my account by an appropriate specialist, a clear written explanation of the specific policy allegedly violated, and restoration of my account if no violation can be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I attempted to make a payment online, but the transaction was declined and I was instructed to call customer service. I called as directed on multiple occasions. Each time, I was placed on hold for an extended period and the call was disconnected without ever speaking to a representative. No assistance was provided, and no opportunity was given to complete the payment. As a result, I was prevented from making a payment despite following the companys instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent a payment to the wrong person and theres no option to cancel payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
The company Remitly ( US Company ) fraudently transfered XXXX XXXX from my account to XXXX XXXX XXXX in XXXX. 
I have not initiated the Transfer. Upon receiving the sms, i immediately disputed the transaction to the Bank & contacted Remitly as i had done a previous transaction with them on XXXX XXXX. 
i requested them to reverse the transaction, but not received much help from them as the company is based in US & the transaction was initiated from XXXX as per the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The Issue : Since XX/XX/XXXX, Mr. Cooper has failed to process my mortgage assumption application with reasonable diligence, violating RESPA laws. Despite multiple follow-ups, the company failed to mail the application package as promised. I finally obtained it via email on XX/XX/XXXX and submitted all requested documents on XX/XX/XXXX. 
It has been 30 days since my initial request, and I have received no confirmation of receipt, no Loan Estimate ( LE ), and no assigned underwriter. This lack of communication puts my real estate contract and earnest money at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I sent money through XXXX by mistake. Wells Fargo opened case XXXX and told me to wait 10 days for a resolution. 12 days have passed and I have not received any response or written status. The XXXX transfer was sent to XXXX XXXX XXXX using the mobile number XXXX for the amount of {$260.00} on XX/XX/XXXX at XXXX XXXX. I am requesting written documentation of the actions taken, confirmation of whether a return request was sent to the recipients bank, and a resolution of this matter.

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 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
My credit card information was stolen ( the card was lost ), and {$2300.00} was charged. I filed a dispute, and they denied it in less than XXXX hours. They refuse to give me the reason over the call, and refused to issue a refund. I asked to speak to someone about the dispute, and was told their dispute team refuse to talk to customers at all. They also refused to reopen my claim without new documentation, so I resubmitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had an account at Chase Bank, I tried to use my debit card and it was denied, I tried it again it was denied. I called the bank they told me they closed my account. They never sent me any letter or notices, After checking they realized they had the correct address and they forget to put the suite number.

I am sure the letter went back to them plus all of my statements. I called them to access account and they are refusing to give me my information. They said they have no access to my account which is a lie.

I have not gotten any statements because of them not putting the suite number.

I need my statements, I need it for my taxes. And it's the law to have my statements.

Company response to consumer: Closed with explanation