vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I discovered approximately {$7500.00} in unauthorized XXXX XXXX transactions associated with my SoFi account and reported the activity promptly after discovery. The SoFi XXXX XXXX reserves funds directly from a linked checking account balance rather than functioning like a traditional credit card. As a result, approximately {$7500.00} of my personal checking account funds became unavailable due to reserved fraudulent transactions. After reporting the fraud, I requested that the reserved funds be released or that provisional credit be provided while the investigation is ongoing. I was initially told there was nothing that could be done. After escalating the matter, I was later informed the situation would be reviewed, but I was subsequently told again that provisional assistance was not available. Because these funds were reserved directly from my checking account, I have experienced immediate financial hardship and uncertainty regarding my ability to pay upcoming obligations including rent and other recurring bills. My concern is not with the professionalism of the customer service representatives I spoke with, but rather with the handling of disputed XXXX XXXX transactions, inconsistent communication regarding provisional credit, and the inability to access disputed funds during an active fraud investigation. I am requesting : * review of the handling of this dispute, * clarification regarding provisional credit eligibility and reserved-fund policies, * and assistance restoring access to disputed funds while the investigation is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank, I have had a checking and savings account open for several years. I was submitted a very important form to XXXX for an XXXX matter and included a form authorizing XXXX to charge my Ally debit card as the fee for processing the form. I reached out to Ally today after sending out this form to notify them I was expecting the charge and if they could ensure no issues with the transaction. They informed me the debit card ( not the checking/savings account ) was closed due to " fraud/security concerns '' in XXXX 2025 almost a year ago. I was never notified the debit card was closed, I was never sent a replacement card. Now I went ahead and used it for something extremely important and may jeopardize my spouses XXXX status in the country due to Ally 's incompetence. I kept asking why I was not informed or sent a new card automatically but they would not answer that question, had they done either of those things I would not have had 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 explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened this account with Bank of America in XX/XX/XXXX I utilized the card heavily in the first couple months so made multiple monthly payments manually to stay under the credit line. Full statement balances were always paid. Usage declined after the new year. I received a statement notification on XX/XX/XXXX, stating that a payment of {$6600.00} was due XX/XX/XXXX. I thought that I had correctly set up recurring billing as I have with all of my other cards. I saw a late fee of {$29.00} on XX/XX/XXXX. I immediately called on XX/XX/XXXX and paid the full balance of {$6600.00} XXXX setup recurring billing and was told future payments were setup and I was good to go I was subsequently charged interest of {$160.00} on a balance of {$9500.00} ( I am not sure where this balance came from ) I subsequently learned that the manual payment had apparently cancelled my recurring payment So my next payment was not made via autopay as I was expecting. I noticed the missed payment on XX/XX/XXXX and immediately called and paid the full balance of {$14000.00}. I was also charged interest for this missed payment in the amount of {$190.00} At this point I requested that the late fee and both interest charges be reversed The {$29.00} late fee was refunded BofA declined to refund the interest charges of {$360.00}. On XX/XX/XXXX, my recurring billing seems to have kicked in and paid the open balance in the amount of {$14000.00}. But then on XX/XX/XXXX ( the auto-pay date for the statement that was already paid in full ), a duplicate payment of {$14000.00} was debited from my payment account This was the reverse problem from what I had experienced before. Previously I made a manual payment so the monthly autopay didnt happen as expected. This time I made a manual payment and a duplicate payment was taken out, almost zeroing out my checking account. So for my statement closing on XX/XX/XXXX, I had a negative balance of - {$9500.00}. At this point I am not sure how to pay my balance effectively because the payment system is not predictable or consistent. I will be watching my balances closely for the next month as I hope to finally get on the recurring bill payment.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XX/XX/year> COMPLAINT REGARDING UNVERIFIED DEBT REPORTING AND COLLECTION ACTIVITY I am submitting this complaint regarding Midland Credit Management Inc. in relation to an alleged debt that is being reported and/or collected on my consumer credit file. I dispute the validity and accuracy of this alleged debt and have requested validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g ( b ). To date, I have not received adequate documentation establishing that this debt is accurate, complete, and legally enforceable. Specifically, I am requesting full validation of this alleged account, including : * Proof of the original creditor and complete chain of ownership of the debt * The original signed agreement or contractual obligation bearing my consent * A complete itemization of the alleged balance, including fees, interest, and adjustments * Documentation establishing Midland Credit Managements legal authority to collect and report this debt * Verification that the account information being reported to consumer reporting agencies is fully accurate and compliant If Midland Credit Management can not provide competent evidence validating this alleged debt, then continued reporting of this account constitutes inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( b ). In that event, I request immediate correction and removal of this account from all consumer reporting agencies, as well as cessation of any collection activity related to this alleged debt. I am requesting a full investigation and written response outlining the results of your review. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding newly discovered information concerning a Wells Fargo retail credit account associated with XXXX XXXX XXXX XXXX. During recent communications with Wells Fargo, I learned that the financing arrangement was structured as a merchant-associated retail credit account. At the time of sale, I was led to believe that the financing was being provided directly through the bank under standard 0 % financing terms. The nature of the merchant-linked financing arrangement was not clearly explained at the time of the sale. The underlying transaction remains disputed due to product performance issues, installation prior to expiration of the contractual cancellation period, and failure to provide cancellation documentation at the time of sale. Despite repeated requests, I have not received complete financing documentation or clarification from the merchant. I am requesting review of the financing disclosures, dispute handling, and ongoing collection efforts related to this 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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I sent over XXXX XXXX to Coinbase. When I attempted to send XXXX out to another XXXX wallet AT COINBASE belonging to my son, they refused, claimed a security concern, and then froze the tokens for 30 days. I have attempted every public method to resolve but the company is saying it's just policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On the night of XX/XX/year> I received a message from my bank saying my account was being closed. No explanation. When I reached out to the bank using the chat option in the app, they said they didnt have any reason why and to just call their XXXX number for further questions. The morning of XX/XX/year>, I reached out by phone call and after my problem being escalated to another representative. I was asked verbatim why I needed my money in disbelief I repeated the question back to them and they said yes thats exactly what I asked. I answered truthfully and said I need to pay my mortgage, my car payment, car insurance, phone bill, utilities, and feed my XXXX and XXXX XXXX XXXX children. I also explained how them retaining my payments was against the law because I am a XXXX % permanently and totally XXXX XXXX who receives monthly compensation from the XXXX and from social security XXXX and that income in protected by law before and after disbursement to the financial institution. They put me on hold and when they made it back on the line said that they couldnt do anything about it. Apparently this is a hold for 60 days. I get paid XXXXXXXX XXXX XXXXXXXX around the XXXX of the XXXX When I changed my direct deposit to another bank I got warnings from both the XXXX and social security that it could take up to XXXX XXXX for the pay to go to the new account. So youre meaning to tell me that because my account got closed I will not have an income for XXXX months? They will withhold thousands of dollars from a service member? I need to feed myself and my children and keep a roof over their heads. This is absolute insanity. I have the letter they sent me and I have the chats with the representative. I didnt fight for this country in XXXX where I lost friends. Missed holidays and birthdays of my children to come back home and be treated this way. USAA bank you need to do better and treat service members with the actual respect they earned by protecting you!

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, a {$320.00} payment was made to XXXX through my XXXX account ( Transaction ID : XXXX ). I filed a dispute with XXXX on XX/XX/year>, and was assigned Case ID XXXX. On XX/XX/year>, XXXX denied the dispute, stating they did not receive supporting documents within their timeframe. My authorized representative immediately contacted XXXX XXXX disputes team ( XXXX ) on XX/XX/XXXX to request the case be reopened and to submit the supporting documentation. XXXX responded on XX/XX/XXXX confirming the case was closed due to a missed response, but did not offer to reopen it. A second request was sent on XX/XX/XXXX asking to either reopen the existing case or file a new dispute for the same transaction. On XX/XX/XXXX, XXXX responded that the appeal was not valid and the case would not be reopened, citing their timeframes. XXXX 's dispute process requires documents to be submitted through the in-app chat, which limited my ability to respond through other channels. Despite having all supporting documentation ready and making XXXX formal requests to reopen the case, XXXX refused both times without offering any alternative resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have two accounts with Wells Fargo ; A Savings & A Checkings, I asked Wells Fargo to close them both, they refused on two separate occasions without giving me a good reason why. Wells Fargo blocked my Debit card after I complained about a Misunderstanding with a merchant transaction although I strongly urged them not to.

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 2026-05-27 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: Bilt Technologies, Inc.
State: WA

Complaint narrative:
My BILT credit card was fraudulently charged {$290.00} dollars on an XXXX purchase which I did not place. After doing my own research it appears this was part of a brushing scam in which scammers obtain your credit card information and then make unauthorized XXXX purchases so they can leave positive reviews for their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
My auto refinance loan was brokered by the lender Autopay Direct, LLC and is currently being held and serviced by XXXX XXXX XXXXXXXX AUTOPAY engaged in illegal product packing during my auto refinance. They added a {$2500.00} XXXX XXXX XXXX XXXX XXXX contract ( Policy # XXXX ) to my loan without my knowledge, consent, or signature. The company recently sent me the official contract XXXX, which I have attached to this complaint. As you can see, the 'XXXX XXXXXXXX XXXX XXXX line is completely blank. I never signed or agreed to this debt. Furthermore, I called to cancel this product in XXXX. The company acknowledged the call but refused to process the cancellation, lying to me about my rights to keep collecting compounding interest on a fraudulent charge. I demand a full flat cancellation back to the XXXX origination date, with the principal and all accrued interest refunded to my loan balance. In addition to the contract being completely unsigned, the lender deliberately falsified the vehicle information to commit application fraud. As shown on the contract, the vehicle is a used XXXX XXXX XXXX with XXXX miles. However, the lender checked the box marking the coverage status as 'NEW '. Falsifying a used, high-mileage vehicle as 'New ' constitutes material misrepresentation to inflate loan profits and would have completely voided any mechanical claims, rendering the unauthorized {$2500.00} product entirely worthless to me. XXXX is currently holding a balance and collecting interest on debt stemming from an unsigned, fraudulent contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent three certified letters to the credit bureaus ( Equifax , XXXX, and XXXX ) requesting the removal of inaccurate student loan accounts from my credit reports. These letters were sent under my rights granted by the Fair Credit Reporting Act ( FCRA ). Despite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within 30 days. These student loans are not accurate, are damaging my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Sunbit, Inc.
State: IN

Complaint narrative:
I am filing a formal consumer protection complaint against XXXX XXXX in XXXX XXXX for deceptive billing. I took my XXXX XXXX scooter there to be fixed. The shop manager originally diagnosed the issue as tight engine valves. I agreed to a repair and paid {$560.00} using a Sunbit account : " When I picked up the scooter, it was completely broken and would not run. My parts receipt shows they did not touch the valves. Instead, they charged me over {$200.00} for carburetor and fuel parts, including a slow jet, a float valve, and a float chamber gasket. They replaced fuel parts that had nothing to do with the tight valves they diagnosed. '' " When I confronted the shop manager about the bike still being broken, he changed his story and claimed the scooter now has complete engine failure. They charged my loan {$560.00} for a failed guess and worked on the wrong part. The manager refuses to fix it or refund my money. I want the Attorney General to investigate and help me get this charge canceled. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX, I sent a certified letter to Midland credit management requesting a breakdown of the amount owed ( statement history ), a contract with my signature, and that Midland Credit Management cease reporting to all three credit bureaus until this verification was provided. XX/XX/XXXX, Midland credit management did not respond by sending what I had requested. XXXX XXXX, XXXX, I received another collection statement with the payment date due on XX/XX/XXXX. I sent another certified letter dated XX/XX/XXXX. XX/XX/XXXX I received a duplicate statement as shown in the attachments. I am demanding statutory damages as a result of Midland credit management reporting this debt without satisfying my initial request to cease reporting to the credit bureaus. And further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing a complaint regarding Capital Ones restriction of my credit card accounts based on a payment they flagged as potentially fraudulent, despite the payment being legitimate and authorized by me. Capital One informed me that in order to restore access to my accounts, I must provide a bank statement showing the transaction. However, my bank statement cycle does not close for nearly three weeks, which means I can not provide the exact document they are demanding within a reasonable timeframe. I have offered to provide alternative forms of verification immediately, including transaction history, real-time banking screenshots, proof of account ownership, and other supporting documentation showing that the payment was valid and originated from my personal bank account. At this time, Capital One has either refused or failed to clearly explain whether reasonable alternative documentation will be accepted. As a result, my accounts remain restricted, limiting my access to available credit and causing significant financial hardship. I understand that financial institutions may investigate potentially suspicious transactions. However, I am concerned that Capital Ones refusal to work with me on reasonable alternative verification methods is excessive and unfair given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief