vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have collections accounts on both XXXX XXXX and XXXX credit bureau portfolio removed all of the collections from XXXX XXXX, but not XXXX is stating portfolio needs to get in touch with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i opened a claim with Wells Fargo on XX/XX/year> to dispute a transaction made by XXXX XXXX for not refunding the ticket money even the ticket was cancelled. Wells Fargo failed to reverse the transaction back and closed the claim without proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I updated my phone number with Bank of America, as I did with four other banks. All other institutions processed the change without incident. Bank of America, however, triggered an unexplained internal 'verification ' process that immediately restricted my ability to log in normally using two-factor authentication ( 2FA ). Since XX/XX/XXXX, every login attempt has required me to call customer service, wait on hold sometimes for extended periods despite my XXXX XXXX status, which is supposed to prioritize service and receive an authentication code verbally from a representative. This has been my only way to access my account for two weeks. On XX/XX/year>, I finally reached a representative. The representative confirmed that my new phone number is pending 'verification ' but was unable to provide any timeline for resolution. The representative offered two options : continue calling in for every login indefinitely, or disable two-factor authentication entirely and log in with my password only. Disabling 2FA on a bank account is contrary to basic security practices. I consider it an unacceptable and potentially harmful suggestion for a financial institution to make. I declined. As of today, XX/XX/year>, my account remains in this restricted state with no resolution timeline provided. I am requesting that the CFPB require Bank of America to : 1. Immediately restore my normal 2FA access using my updated phone number 2. Explain what the 'verification ' process entails and why it was triggered 3. Provide compensation for two weeks of degraded access to my own account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
To Whom It May Concern, I am formally documenting the damages and hardship caused by PNC Banks handling of my personal and business accounts. After my accounts were frozen, I was repeatedly instructed that the only way to restore access was to appear in person at a PNC branch, despite there being no branch in my state. I was assured multiple times that if I appeared at a branch and verified my identity, my accounts would be restored. Relying on these representations, I incurred travel expenses and lost multiple days of business operations in order to comply with your instructions. Upon arrival, I spent several hours at the branch fully cooperating with the verification process and answering all requested questions. Despite complying with everything requested of me, PNC then proceeded to close both my personal and business accounts without meaningful explanation. As a direct result of your institutions actions and representations, I suffered : Loss of business income Operational disruption Travel-related expenses Loss of access to personal funds Significant financial harm and hardship This matter has now escalated beyond a routine account issue. I am requesting : Immediate written explanation for the account closures ; Confirmation regarding release and timing of all remaining funds ; Preservation of all internal records, call recordings, and communications related to my accounts and verification process. Please be advised I am actively evaluating all legal remedies available to me regarding the handling of this matter and the damages incurred as a result. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a federal tax refund check issued by the IRS into my bank account. The check was made payable to both myself and my wife. The amount being withheld is {$11000.00}. On XX/XX/year>, the bank closed my account without providing a clear explanation. Since the closure, the bank has continued to withhold the remaining balance for more than one and a half years. During this time, I have repeatedly contacted the banks customer service department in an attempt to resolve the issue and recover the funds. Despite these efforts, I have not received a formal written explanation, supporting documentation, or a lawful justification for the continued hold on the funds. If additional endorsement, identity verification, or documentation from the co-payee was required, I was never properly notified or given a reasonable opportunity to provide the requested information. I am requesting that the bank immediately release the funds or provide a detailed written explanation supported by applicable law or policy explaining why the funds continue to be withheld.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am disputing $ XXXX in deferred interest charges on my XXXX account ( issued by Comenity Capital Bank ) caused by a technical failure in their Autopay system.On XX/XX/XXXX, I authorized Autopay to pay off a {$3600.00} balance within a 24-month promotional window. On XX/XX/XXXX, I received a confirmation email stating I was " all set '' for automatic payments. However, the bank unilaterally delayed the first withdrawal until XX/XX/XXXX, failing to process authorized transfers for XXXX and XXXXWhen I noticed the delay, I made a proactive, good-faith manual payment of {$260.00} on XX/XX/XXXX. Despite my efforts, the banks initial 2-month processing delay meant that a balance of {$200.00} remained at the XX/XX/XXXX deadline. Had the bank executed the Autopay as authorized on XX/XX/XXXX, the account would have been paid in full two months early.I sent a formal billing dispute letter via Certified Mail ( Tracking # XXXX ] ), which was delivered on XX/XX/XXXX. I have already paid the principal in full and request a complete waiver of these interest charges due to the bank 's failure to execute authorized electronic transfers ( EFTA violation ) and misleading communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Diamond Advances LLC
State: FL

Complaint narrative:
The company sold me what I thought to be a XXXX XXXX XXXX with a pay back of 10 % of my sales weekly, however, they were withdrawing $ XXXX ( way above the 10 % agreed upon ), expecting payback within 15 weeks. They are misleading consumers by calling them XXXX XXXX XXXX when they are in fact treated like a personal loan. Their contract states an Interesr rate of 10 %, however, they are charging over 200 % for this loan. Their goal is to circumvent usury laws by calling short term loans with huge interest rates XXXX XXXX XXXX. They need to be stopped, this is bad for small business. These guys are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Subject : Complaint Against Wells Fargo for Refusing to Honor {$400.00} Checking Bonus Promotion I am filing a complaint against Wells Fargo regarding a {$400.00} checking account bonus promotion that the bank is refusing to honor despite my compliance with the written promotional terms. I opened a new Wells Fargo consumer checking account using the required bonus offer code and carefully followed the promotion requirements. The written terms of the promotion state that customers must receive {$1000.00} or more in qualifying electronic deposits within 90 calendar days of account opening to qualify for the {$400.00} bonus. I completed qualifying direct deposits that exceeded the stated {$1000.00} requirement within the required timeframe. However, when I contacted Wells Fargo regarding the missing bonus, I was informed that I needed to receive {$3000.00} in direct deposits by the deadline in order to qualify. This directly contradicts the written promotional terms I received, which clearly state that only {$1000.00} in qualifying electronic deposits is required. At no point was I informed that the requirement was actually {$3000.00}. I relied on the written offer terms when opening and funding the account. I believe Wells Fargos refusal to honor the advertised promotion is misleading and unfair to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CA

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Paypal Holdings, Inc
State: AE

Complaint narrative:
In XX/XX/year>, I attempted to reserve accommodations through XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. During the booking process, the XXXX platform displayed the message : This property is not available for your selected dates. Because the platform indicated the reservation could not be completed, I reasonably believed the booking failed and secured alternate accommodations elsewhere. Despite this contradictory system message, the reservation was later processed and charged as a completed no-show booking in the amount of approximately XXXX. I never checked into the property, never used the accommodations, and immediately contacted both XXXX and the hotel explaining that their platform showed the property was unavailable during checkout. I submitted screenshots showing : - the unavailable-property message, - my communications immediately after discovering the issue, - and XXXX acknowledgment that the reservation was later treated as active despite the contradictory booking message. I disputed the charge through PayPal XXXX. However, PayPal XXXX denied the dispute primarily because a reservation existed and was labeled non-refundable. My concern is that PayPal XXXX failed to properly evaluate the contradictory booking system behavior shown in the evidence provided. This dispute is not based solely on dissatisfaction with a non-refundable reservation. It concerns misleading transaction processing and services never received due to contradictory platform information during checkout. I am requesting review of PayPal XXXX dispute handling and consideration of the evidence showing the booking platform represented the reservation as unavailable during the transaction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a loyal Citi customer for XXXX years. On XX/XX/2026, I received notice that my business and personal accounts were being closed by Fraud Prevention without a specific reason. I have never committed fraud and believe this is an automated error.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I deposited {$18000.00} into my personal Bank of America deposit account ( ending XXXX ). This deposit consisted of bodily injury settlement proceeds. Between XX/XX/year> and XX/XX/year>, the bank incrementally made portions of the deposit available. I used approximately {$8400.00} for essential expenses ( including a {$2000.00} payment to XXXX XXXX XXXX ), leaving {$9500.00} remaining from the settlement proceeds. On XX/XX/year>, Bank of America removed {$9500.00} from my personal deposit account ending XXXX through a bank-initiated hold/setoff and applied it to a business credit card account ending XXXX ( I signed a personal guarantee on the business card ). This caused my available balance to drop to approximately {$100.00}, and I was unable to access my funds. I received a Setoff Notification dated XX/XX/year> confirming the setoff from my personal deposit account to the business credit card. On XX/XX/year>, I spent approximately five hours at the branch seeking an explanation and reversal. Branch staff contacted multiple internal departments ( including Credit Card, Fraud, and Consumer ), and no department claimed responsibility for initiating the setoff/hold. The bank also checked with Legal Garnishments, and I was advised there were no case numbers, court orders, liens, or garnishments authorizing seizure of these funds. The matter was escalated to Market leadership. I communicated directly with Branch Manager XXXX XXXX ( email : XXXX ) and referenced XXXX Manager XXXX XXXX as involved at the Market level. Despite multiple written disputes and requests for information ( including the department/system responsible and the legal basis ), the bank has not returned the funds or provided a clear written explanation. I dispute this setoff because the funds are exempt personal injury proceeds under O.C.G.A. 44-13-100 ( a ) ( 11 ) ( D ) ( up to {$10000.00} ), and the banks own Deposit Agreement limits setoff rights except where otherwise prohibited by law. I requested an immediate reversal or provisional credit for {$9500.00}, but the funds remain unavailable. Under standard tracing principles, including the Lowest Intermediate Balance Rule ( LIBR ), the remaining {$9500.00} is identified as the protected remainder of the bodily injury settlement proceeds ( non-exempt funds are presumed spent first ). Requested resolution : immediate return of {$9500.00} to my personal deposit account ( or provisional credit pending investigation ) and a written explanation identifying the department/system that initiated the setoff and the legal basis relied upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX reported a collection account from XXXX XXXX XXXX ( a collection account ) XXXX XXXX XXXX XXXX NC XXXX, XXXX. They are attempting to collect {$220.00} from a fraudulent utility account set up in my name in Michigan at XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived in Michigan nor do I know anyone in Michigan. I have contacted the collection agency and they will be sending me a Fraud Packet to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
I am submitting this supplement regarding a recent development in my ongoing complaint. Mercedes-Benz has advised that it has no record of receiving my supplemental XXXX XXXX correspondence and supporting documentation, including my subsequent demand and materials previously transmitted via email. However, the correspondence was emailed to multiple Mercedes-Benz/XXXX contacts and is time- and date-stamped. Upon being advised there was allegedly no record of receipt, I immediately re-transmitted the materials to the same recipients to eliminate any issue regarding notice or routing. During the same communication, I was advised the account is reflected as charged off, in active repossession status, and assigned to a recovery/skip department, while the matter remains disputed. I would also note that this is not the first time I have experienced apparent communication or record inconsistencies regarding this matter. During periods in which I had attorney representation and related communications were occurring, I was later advised there was no attorney involvement or documentation on file despite contemporaneous communications and email exchanges. I include this only to document what appears to be a recurring issue regarding recordkeeping, routing, or acknowledgment of material communications relating to this account. I am supplementing the complaint to document this development and to request clarification regarding the handling of the account, the dispute review process, and the apparent disconnect between account activity and the companys claimed lack of receipt of previously transmitted materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am on a committee organizing my XXXX high school reunion to take place in XX/XX/XXXX. I agreed to collect the funds via XXXX for the events planned. I received the first few XXXX payments with no problem. On XX/XX/XXXX ( {$75.00} ), XX/XX/XXXX ( {$330.00} ) and XXXX ( {$160.00} ), payments to my account were denied. Another person tried to send {$330.00} on XXXX and it did not show up in my activity. I have her attempted receipt showing my XXXX account is BLOCKED. I spoke with my M & T Bank branch manager on XX/XX/XXXX who called the fraud department to review the case. The fraud department recommended trying again. The same person who attempted to send money on XXXX tried again on XX/XX/XXXX for {$330.00}. It was denied. My husband tried this morning XX/XX/XXXX as a test to send me {$5.00}. It was denied. I was on the phone today for almost two hours with the fraud department. I spoke with one representative and then their manager, and they both blamed the system and could not help me. When I told them two different people tried to send money since yesterday and had problems they said those people would have to contact their banks to resolve the problem. But the problem is with my XXXX account not theirs. My husband has an account with M & T and called the fraud department and again there was nothing they could do. I called my branch manager and he apologized profusely. He said he didn't think this could be resolved and he would file a complaint with the bank 's operations department. I told him I would like cancel the three checking accounts we have with M & T and he said he would not blame me for that.

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