vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I opened a PayPal business account in my own name using my own bank account. The only information I share with my husband is our residential address. In early XX/XX/year>, PayPal placed my account under review. Over the following weeks, I responded to every request they made. I provided : My photo ID My bank statements A description of my business Information about my transactions Documentation for specific payments I received An explanation of my sales activity My expected future income I provided everything they asked for promptly and completely. On XX/XX/year>, PayPal permanently limited my account. The email they sent said : " this account was linked to another PayPal account with unresolved issues. '' That other account belongs to my husband. His account was permanently limited before I ever opened mine. I have my own bank account. I use my own devices. I log in from my own locations. My business is separate from his. The only thing we share is our home address. Despite this, PayPal closed my account and is now holding my money for up to 120 days. I can not access the funds I earned from my XXXX XXXX. PayPal never told me that I violated any policy. They never identified any problem with my business itself. They closed my account simply because I am married to someone whose account was previously limited. I am asking for my account to be restored or, at minimum, for my funds to be released immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This is follow-up to my last complaint. On XX/XX/year>, I received a call from XXXX XXXX at XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, on behalf of TD Bank/Target Card . We reached a final settlement of {$1000.00}, to officially close and resolve this account. I paid {$1000.00} in full on the same day. However, within the past XXXX weeks to today ( XXXX, ) a man assigned to hand a summons for a court date to " resolve this account '' approached my home at least twice. I have a summons to court for an account that was resolved over a month ago. I called Target on the same day of receiving the summons, and they confirmed the account was resolved. I called the Municipal court today ( XXXX, ) and they confirmed the account was resolved as of XX/XX/XXXX on their end. They were about to give me a certified judgement statement, but decided not to based on the XX/XX/XXXX court date. The court staff wasconfused and unable to provide any answers or reasoning behind an existing court date for a resolved/closed account. I've called XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX times today in an attempt to get some answers. I left voice messages asking for a return call. As mentioned in my last complaint, they are not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I have a prepaid {$100.00} XXXX gift card issued by Blackhawk Network ( XXXX XXXXXXXX ). When I recently checked the balance, only {$33.00} remained. However, there is no transaction history available showing how or where the funds were used. Additionally, the card has never been successfully used for any completed transaction. I attempted to resolve this directly with the issuer by calling XXXX on XX/XX/year>. Despite multiple attempts, I was unable to reach a customer service representative because the system did not provide an option to speak with an agent. I also attempted to seek assistance via the issuers website, but again, I was unable to access a CSR. As a result, I can not obtain a transaction ledger or investigate the missing funds. This represents both a balance discrepancy and a lack of access to account records, which I understand are required for prepaid financial products. I am requesting : A full transaction history for this card An explanation for the missing funds Restoration of {$61.00} Card ending in : XXXX Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Formal Complaint against Fifth Third Bank Account Status : Established ( Opened XX/XX/year> ). Violation : Regulation CC - Funds Availability. On XX/XX/XXXX, I deposited a {$3000.00} check from a verified investment sale. Despite the account being XXXX days old, the bank placed a XXXX hold. They failed to provide the mandatory {$270.00} next-day availability required by 12 CFR 229.10. My mobile app shows the check as " Processed, '' yet the bank refuses to release funds or verify that they have received the money. I am currently temporarily laid off and this hold is causing documented financial hardship. I request an immediate release of my collected funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: VA

Complaint narrative:
I financed an online XXXX XXXX program through XXXX using a Climb Credit XXXX loan for approximately {$8000.00}. XXXX has since ceased operations due to insolvency and my training contract was terminated effective XX/XX/year>. My access to the course platform was removed and I was unable to complete the program, specialization courses, and job placement services that were part of the program I financed. I did not withdraw from the program the company shut down and terminated my contract. Despite this, I am still being told I am responsible for the full loan balance and can not pause or discharge the loan. I am requesting investigation and assistance because I am being required to repay a loan for educational services that were not fully delivered due to the school ceasing operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
mishandling of my unauthorized transaction dispute and the unprofessional conduct of a Chime supervisor today. XXXX. The XXXX : I originally filed this dispute on XX/XX/year> ( Case XXXX XXXXXXXX ). Under Federal Regulation E, the XXXX window for investigation or provisional credit has expired as of today. XXXX. The Violation : A supervisor informed me today that this dispute was " canceled by me. '' This is categorically false. I never authorized the cancellation of this claim. Furthermore, Chime issued a partial credit of {$2.00} on this case yesterday ( Sunday ), which proves the investigation was active and valid. XXXX. XXXX XXXX : When I attempted to correct the record regarding the XX/XX/XXXX filing date, the supervisor was rude and hung up on me. I am a veteran and a loyal Chime member ; being hung up on while discussing a legal banking dispute is unacceptable. XXXX. My Demand : I demand the immediate issuance of provisional credit for the remaining unauthorized charges. I will not accept a " reset '' of the investigation timeline to XX/XX/XXXX. The legal clock began on XX/XX/XXXX and Chime is currently in violation of federal timing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by XXXX from XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was XXXX XXXX XXXX XXXX. This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has XXXX failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, debt collectors must validate the debt upon request, but they didnt do that. They also violated 12 CFR 1006.34 ( c ) ( 4 ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, XXXX reported this account to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, XXXX violated 15 U.S.C. 1681b, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force XXXX to DELETE this unverified, unauthorized collection account from my credit report. XXXX has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA.

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 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I dispute the servicing and payment application on my solar loan. My loan began on XX/XX/year> with an original balance of {$25000.00}. For a long period, my payments were applied entirely or almost entirely to interest, and my principal did not decrease as expected. I sent a written dispute requesting a full XXXX amortization schedule, complete transaction history, payoff statement, and an explanation for why principal was not reduced. The company did not provide an adequate explanation and only provided a limited XXXX amortization sample. I want a full life-of-loan accounting, written explanation of the payment application, correction of any misapplied payments, recalculation of the principal balance if necessary, and a corrected payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
My federal student loans were XXXX through XXXX XXXX approximately XXXX XXXX ago. My account has shown a negative balance ( refund owed ) for an extended period. I have contacted my loan servicer multiple times and have been told they can not provide any information and that the U.S. Treasury handles refunds. I am requesting confirmation of whether my refund has been processed and sent to the U.S. Treasury, including the date and expected timeline, as well as resolution of any delays. My servicer advised me to file a complaint due to lack of visibility into my refund status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am submitting a complaint regarding TD Bank closing my account and holding my remaining funds without providing a clear explanation or a definite timeline for release. TD Bank informed me that my account has been closed and that my funds may be held for up to 90 days. However, I was not given a specific reason for the closure or any clear requirements for when or how my funds will be returned to me. I was also told that a request was submitted to expedite the release, but there is no guarantee or defined timeframe. At this time, I am not aware of any unresolved issues that would justify holding my funds for this length of time. I have requested clarification from TD Bank but have not received sufficient details. I am requesting that TD Bank provide : 1. A clear explanation for why my account was closed 2. The specific reason my funds are being held 3. A firm timeline for when my remaining balance will be released I also request the prompt return of my remaining funds. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 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 received notification that there was some unusual activity with my Wells Fargo Account. I called them immediately and reported the unauthorized transactions. After approximately ten business days of their investigation they responded that my claim was declined and that those were my transactions. I filed a complaint for them the appeal the investigation and they still keep declining the claim. On XX/XX/year> from my Checking Account {$1800.00} and {$720.00} was taken and from my Savings Account and on XX/XX/year> {$1500.00} was XXXXtransferred to my Checking Account. Before all of this unusual activity I had more than the ending balances in each accounts prior. I received a denial letter stating stating that the {$720.00} wasnt charged, so where did it go?

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Prior to deploying on active-duty orders in XX/XX/XXXX, I visited XXXX XXXX in person and requested cancellation of my membership due to my upcoming overseas XXXX. I do not recall the exact date of this visit, but it occurred shortly before my XXXX. During that visit, I clearly explained that I would be leaving for active-duty service overseas. I was informed by staff that my membership would be handled, and I relied on that representation in good faith. While XXXX overseas, I was not in a position to monitor or manage my account. Despite my cancellation request, my bank account continued to be charged monthly. I later discovered that the membership had only been frozen, not canceled, and I was never informed of this. I attempted multiple times to contact XXXX XXXX while XXXX and did not receive a response. A manager later confirmed that my membership had been canceled ; however, a refund was refused, stating he was not present at the time of my original request. I disputed these charges with Capital One. However, my claim was denied based on the membership agreement. My dispute is not based on misunderstanding the contract, but on the merchants failure to properly process my cancellation request and my inability to correct the issue while XXXX overseas. Charges continued even after dispute activity, including a new charge on XX/XX/XXXX for {$31.00}, demonstrating the issue was not properly resolved. The charges occurred on the following dates : XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$31.00} Total amount charged : {$390.00}. Capital One also placed a block on XXXX XXXX to prevent further withdrawals, confirming the issue of continued billing ; however, the previously disputed charges remain unresolved. I am requesting a full review and refund of these charges based on the circumstances of misrepresentation at cancellation, continued billing during active-duty XXXX, and my inability to address the issue while XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am a victim of merchant misrepresentation involving undisclosed, dangerous safety defects ( missing airbags ) and significant damage. Wells Fargo is refusing to allow an appeal or investigate the 'Not as Described ' claim, incorrectly citing XXXX as a third-party shield to avoid their responsibility under card network rules. I have provided professional mechanical proof which the bank is ignoring. ''

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 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX, 2025, a check # XXXX from the proceeds of the sale of our home was made payable to XXXX XXXX XXXX, Trustee for Enerbank XXXX Regions Bank as Successor by Merger to Enerbank, in the amount of {$16000.00}, representing the requested payoff of the Solar Panels on the home, plus interest and fees. Copies of correspondence between our closing attorney and their Attorney XXXX XXXX, as well as a copy of the check they received from escrow, are uploaded. As of XXXX XXXX, 2026, Enerbank continues to have inconsistent reporting across my 3 credit reports, including stating a past due amount of {$1100.00} and reporting the account as a Collection/Charge Off after my requests to verify or remove this inaccurate 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 non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against JPMorgan Chase Bank , N.A . for issuing contradictory explanations regarding debits from my checking account, debiting funds that their own representative admitted should not have been charged, and failing to account for where those funds are. I am requesting a full federal investigation into the matters outlined below. BACKGROUND I hold a XXXX credit card and process payments through XXXXXXXX XXXX online e-payment system, which initiates XXXX debits directly from my Chase checking account. XXXXXXXX XXXX E-Payment records which I am treating as the source of truth confirm that I authorized exactly two payments this past month. XXXX XX/XX/year> {$45.00} XX/XX/year> {$130.00} During the month of XXXX, Chase has pulled money three times via my Chase Savings account ending in XXXX. XX/XX/year> - XXXX Retry Pymt XXXX Web ID : XXXX : - {$45.00} XX/XX/year> - XXXX E-Payment XXXX Web ID : XXXX : - {$130.00} XX/XX/year> - XXXX Retry Pymt XXXX Web XXXX : XXXX : - {$45.00} According to a Chase representative, one representative told me that the {$45.00} debit that posted on XX/XX/year>, was a XXXX of my XX/XX/XXXX payment, collected after my account had over drafted. However, this Chase representative told me that the {$45.00} debit that posted on XX/XX/year> also labeled a " XXXX Retry E-Payment '' tied to the XX/XX/XXXX payment " should not have been charged as it already has been pulled from XX/XX/XXXX. However, money has been pulled from my Chase account leading to these funds missing and incorrectly charged as XXXX has returned the payment. This is unacceptable as XXXX has shown two payments while Chase has charged me an additional {$45.00} meanwhile Discovers system shows that they have returned the payment. When I raised this contradiction and concern directly during my call with Chase, the representative immediately attempted to end the conversation and stated they " could do nothing '' about it. I was given no explanation and no path to resolution. This response is wholly inadequate and raises serious concerns about how Chase handles disputes when a consumer presents documented serious evidence.

Company response to consumer: Closed with explanation