vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company has been violating my rights and they have not provided validation information. Under 12 CFR 1006.34 ( b ) ( 5 ) ; They have still placed a collection on my consumer report recently. I am very stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ) ; Data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. This whole case has put immense pressure on me as it has effected my credit highly limiting opportunities for myself. On top of that - the company keeps harassing me through calls multiple times a day despite repeated displeasure conveyed from my end. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are 100 % inaccurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Subject : Formal Request for Case Number and Immediate Return of {$1000.00} ( Trace ID : XXXX ) I am filing this complaint against Ally Bank regarding a missing wire transfer sent to my closed account. This issue has remained unresolved for 4 months despite my active cooperation. The Solution Provided : On XX/XX/year>, I provided the sending bank ( Wise ) with the correct Trace ID ( XXXX ) which I had previously obtained from an Ally agent. Re-initiation confirmed : XXXX confirmed in an email dated XX/XX/year>, that they re-initiated the recall using this correct XXXX ID on XX/XX/year>. Allys Failure : Since XX/XX/XXXX, Ally Bank has failed to acknowledge the recall or provide a formal update. Every time I contact Ally, I am given conflicting verbal information with no permanent record or reference number. The Issue : Ally Bank is holding my funds without a valid reason. The correct information has been provided, yet the money remains stuck in a closed account " void. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We are struggling to make payments and they being freedom mortgage company indicated the only thing they can do is put us in forbearance and in order help to lower our monthly payments in that way or assisting in financial help would be for us to be past due on our payments

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
We keep receiving offers from Capital One and the way they promote and market their product leads one to believe that you are going to get approved. This has happened several times and have cause our credit score to go down. Capital one is making fake offers to lower credit scores. My wife received another offer today. We would like you to place a restraining order on Capital One. We have frozen our XXXX XXXX credit reports essentially locking them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
Frooze my account assuming a scam when it is definitely not

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 2026-03-31 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: Netspend Corporation
State: KY

Complaint narrative:
My vehicle was stolen, and my card was inside the vehicle at the time of the theft. After the theft, unauthorized transactions were made using my card at XXXX XXXX on XX/XX/year> in the amounts of {$25.00}, {$90.00}, and {$330.00}. I did not make or authorize these transactions. I reported the issue to my bank immediately and provided a police report confirming that my vehicle and card were stolen. Despite this, my claim was denied based on chip/PIN usage. However, I was not in possession of my card at the time, and any use of the card was due to theft. The use of a stolen card does not make the transaction authorized. I requested documentation and details regarding these transactions, but my claim was still denied without proper consideration of the evidence. I am requesting a full reinvestigation and reimbursement for all unauthorized transactions.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I received a funds transfer via XXXX as nanny for my nanny family. I have received multiple payments from this person. I was notified in XX/XX/year> that this persons spouse filed a claim stating the transfers were unauthorized and she had used his card. XXXX notified me the funds were debited from my account. I reached out and filed a claim. Dispute numbers are below. It took XXXXo 75 days to respond and let me know they were not putting the money back into my account, leaving it negative roughly {$4500.00}. I reached out to the sender and they have provided multiple messages indicating its authorized. XXXX will not provide us the details of the dispute on why it is not being given back and Im left negative {$4500.00}. Dispute : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: CA

Complaint narrative:
XXXX and Mohela have both failed to serve as my loan servicers, not only failing to inform me of ways to apply for the School Misconduct, but failing to provide the form in a timely manner. Furthermore, after submitting the application, I was denied for reasons that are inconsistent and obscure, and I would like a through explanation as to why I was denied since I have provided all information that they needed and it's obvious that the Art Institutes have already been charged by the US Government with misconduct. My private student loans should have been discharged since XXXX, but it is XXXX and I continue to be defrauded by both XXXX and Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX XXXX I initiated a cash pickup transaction to send USD to XXXX via XXXX. I made the option to have money deducted from my XXXX XXXX XXXX, I was sent to login to my XXXX XXXX account and a one time passcode was sent to me and then XXXX XXXX took the money out of my account. Afterwards I went back to XXXX and they did not provide me with a transaction receipt/number. The total amount deducted from XXXX XXXX XXXX was {$1100.00}. I contacted XXXX immediately and they could not provide me a transaction number they stated that it is not in their system and they say that they are not able to help me and they hung up. I contacted again and they said the same thing and they told me to submit an email and they are unwilling to help. I had made a fraud dispute with XXXX XXXX and they denied my claim. My money is gone and no one knows where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Formal Complaint and Request for Investigation Inaccurate Credit Reporting Dear Sir or Madam, I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit file by CREDIT ACCEPTANCE CORP. According to my credit report, this account reflects a balance of {$18000.00} with multiple late payments, including 90-day delinquencies. However, I dispute the accuracy and completeness of this reporting for the following reasons : The payment history is inconsistent and appears exaggerated, specifically the reporting of 27 instances of 90-day late payments. The account shows a $ 0 monthly payment and not available balance details, which raises concerns about the reliability and completeness of the data being furnished. The date of last payment ( XX/XX/XXXX ) does not align with the extended delinquency reporting that continues afterward. I have not been provided sufficient documentation verifying the validity of this debt, the full payment history, or the accuracy of the reported balance. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. I am requesting that this account be : Fully investigated for accuracy and compliance Verified with complete and proper documentation Corrected or removed immediately if it can not be verified Additionally, I request that CREDIT ACCEPTANCE CORP provide : A complete payment history Original contract or signed agreement Documentation supporting the reported balance Proof of their authority to report this account If this information can not be properly verified, I request immediate deletion of this account from my credit report. Please investigate this matter and ensure that my credit file reflects accurate and fair information. I expect a timely response in accordance with federal law. Sincerely, 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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in the late XXXX XXXX, I had a direct deposit checking account with Wells Fargo XXXX Even after my employer had direct deposited my paycheck, I kept getting NSF notices and overdraft charges when paying my bills. I did not understand why this kept happening until I learned that someone had been identity thefting me for awhile and was charging my checking account for multiple adult male magazine subscriptions. Wells Fargo solution to that problem was to partially reimburse me for the subscriptions and close out my account and have me open up a new one, wherein Wells Fargo continued to allow the same charges to follow me by the same identity thief, causing me to suffer the same re-occurrance of NSF notices and overdraft fees. They never fully reimbursed me for the previous years and months this had happened to me, nor did they reimburse or reverse the years and months of overdraft fees they charged me after their investigation proved my claims. I had to ultimately close my Wells Fargo account, leave them as an established customer and open up another account and start over at Washington Mutual. All of this drama and chaos Wells Fargo allowed to happen to me, additionally caused my credit score to tank.

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 2026-03-31 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: MA

Complaint narrative:
I have been unable to use my XXXX account for several months due to ongoing technical and account functionality issues. Specifically, transactions consistently fail, and I am unable to add a bank account or debit card to restore normal use of the account. I have attempted to resolve this issue multiple times by contacting XXXX customer support. Despite repeated outreach, the issue has not been resolved, and I have not been provided with a clear explanation or a timeline for resolution. The responses I have received have been either generic or have not addressed the underlying problem. As a result, I have effectively lost access to a financial account that I rely on, which has impacted my ability to conduct normal transactions. This has caused ongoing inconvenience and potential financial disruption. Timeline : Issue began approximately : [ insert month/year ] Multiple support requests submitted : [ insert approximate dates or ongoing over several months ] No resolution as of : [ todays date ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
The inability to pay a loan off easily, or even speak to someone, is a huge problem! And if you have to deal with them due to a repossession, even worse! There is no one specific person or team that deals with my account, as was requested. The lack of customer service, is disturbing. They will immediately place me on hold, and leave me there, until the call either disconnects or I hang up. This is the 2nd time now I have had major issues with this lender. I have been given FALSE INFORMATION by an Ally associate, who told me my vehicle account was in repo status. It is not. The constant lies, and the constant misinformation given, is disgraceful. I have been trying to pay this loan off since XX/XX/year>. I am being told they can not accept the full amount online. And that they also do not have anyone authorized to take a payoff over the phone or online. I would have to use a third party company, be limited to {$2900.00} + {$4.00} fee, and would have to make 3-4 transactions in order to pay this loan off. In the mean time, the daily interest accrues, so there will still be more owed once I pay off the loan. They also refuse to transfer to a supervisor or manager when asked. Or they claim they are busy. The likelihood of receiving a lien release in a timely manner, is very slim. They will have an excuse as to why its not been sent. More than likely their unknown fees. I have asked for documentation of these fees and what they are for, and have not received a reply. Last request was made XX/XX/year>. They refuse to answer any question with accurate information.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am re-filing this complaint ( referencing closed Case # XXXX ) to clarify that I am the sole victim and sender of these funds. Bank of America previously declined to respond citing privacy for a third party ; however, I am the only person listed on this new complaint and I am authorized to receive all information regarding my stolen funds. I am filing this complaint as a victim of a documented wire fraud incident where Bank of America is the beneficiary institution. While I am not a BofA account holder, your institution is currently in possession of {$150000.00} of my stolen property in Account # XXXX. Under federal Anti-Money Laundering ( AML ) guidelines and the Bank Secrecy Act, Bank of America has a regulatory obligation to investigate and freeze funds reported as fraudulent by a peer institution ( 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 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Zillow Group Inc.
State: CA

Complaint narrative:
Subject : NOTICE OF FCRA VIOLATION & DEMAND FOR REMOVAL : Unauthorized Hard Inquiry by Zillow Home Loans LLC XXXX XXXX XXXX, XXXX, and XXXX XXXX, XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, CA XXXX Re : FCRA Violation Unauthorized Hard Credit Inquiry by Zillow Home Loans LLC XXXX Last XXXX : XXXX and XXXX Date of Unauthorized Inquiry : XXXX.2026 To Whom It May Concern : This letter serves as a formal written notice of a violation of the Fair Credit Reporting Act ( FCRA ) and a demand for the immediate removal of an unauthorized hard credit inquiry placed by Zillow Home Loans LLC . FUN FACTS : I authorized Zillow Home Loans LLC to conduct only a soft credit check. I never provided written or verbal consent for a hard inquiry. I was explicitly clear about the scope of authorization. Despite this, Zillow Home Loans LLC proceeded to pull a full hard inquiry without my knowledge or consent. When I raised this directly with Zillow Home Loans LLC, a loan XXXX justified the hard pull, which is factually inaccurate. That explanation does not constitute lawful authorization and misrepresents the nature of my interaction with the company. They stated they spoke with the VA about XXXX XXXX 's XXXX XXXX, which is not accurate. The VA has no record of the loan XXXX seeking guidance from the VA regarding XXXX XXXX 's XXXX XXXX. We are currently seeking legal representation immediately LEGAL BASIS : Under 15 U.S.C. 1681b of the FCRA, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose which requires the consumer 's clear affirmative consent. Authorization for a soft inquiry is categorically not consent for a hard inquiry. Zillow Home Loans LXXXX had no permissible purpose to access my full credit file, and the bureau had no permissible purpose to provide it. DEMANDS : 1. Immediately remove the Zillow Home Loans LLC hard inquiry from my credit report. 2. Provide written confirmation of removal within 30 days as required by law. 3. Provide any authorization documentation submitted by Zillow Home Loans LLC. Please be advised that I have already documented this matter and am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's office. I am also consulting with counsel regarding potential statutory damages under 15 U.S.C. 1681n and 1681o. Time is of the essence. Please treat this as a priority dispute. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding their refusal to reduce the interest rates on my XXXX credit card accounts, all of which are currently enrolled in a nonprofit Debt Management Plan ( DMP ) administered by XXXX XXXX ( Client ID : XXXX ). ACCOUNT DETAILS : ( Roughly ) Account ending in XXXX Balance : {$9300.00} Account ending in XXXX Balance : {$7300.00} Account ending in XXXX Balance : {$23000.00} Account ending in XXXX Balance : {$4400.00} Total Balance : {$44000.00} MY COMPLAINT : I enrolled in this DMP in good faith and have made XXXX ( XXXX ) consecutive, on-time monthly payments without a single exception. My current interest rates range from 6 % to 10 % across these XXXX accounts. I have contacted Chase directly by phone to request a rate reduction and was denied without explanation or escalation. It is my understanding that other Chase customers enrolled in nonprofit DMPs have received significantly lower concession rates in the range of 0 % to 3 %. I am requesting the same consideration. I am not asking to settle, reduce, or discharge any portion of my debt. I am committed to repaying the full balance. A lower interest rate would simply allow more of each monthly payment to reduce my principal rather than accumulate in interest charges, helping me complete the program sooner. I believe Chase 's refusal to extend comparable XXXX concessions to me despite my demonstrated XXXX record of on-time payments is unfair and inconsistent with the terms and spirit of nonprofit debt management programs. DESIRED RESOLUTION : I am requesting that Chase Bank : 1. Review the interest rates on all XXXX accounts listed above 2. Reduce the rates to the lowest available XXXX concession rate ( ideally 0 % 3 % ) 3. Provide a written response explaining their decision I have already attempted to resolve this directly with Chase by phone and have received no satisfactory outcome. I am now requesting the CFPB 's assistance in ensuring this matter is reviewed by someone at Chase with the authority to act. Thank you for your time and assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Navicore Solutions Client ID : XXXX

Company response to consumer: Closed with explanation