vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC
State: MI

Complaint narrative:
I downloaded the app Dave, began the signal process then when it revealed it had fees ( after having me provide account and routing numbers for my bank, presumably to offer me an interest free loan ) I declined and uninstalled the app. They signed me up for their subscription anyway and began charging me a monthly fee. The company demands endless additional personal information before they will return my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
In XX/XX/XXXX I received a debt collection letter from XXXX XXXX attempting to collect a credit card debt. I sent XXXX XXXX a debt validation request via certified mail. They never responded or sent a debt validation. I called the original creditor since I suspected fraud on the account. The original creditor never responded. Then in XXXX of XXXX I was sued by XXXX XXXX for the debt. Still never receiving any debt validation or notification of what the debt actually is for.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX account ( XXXX ) has been frozen, and they do not allow me to log in, and attempts to contact XXXX about this have resulted in chats with support that doesn't understand how their own system works nevermind basic english, and they won't restore my access or even allow me to submit documentation to unfreeze the account, because of their lack of english skill, they do not understand basic requests. They rigidly follow a script and will not attempt to fix my account. I attempted to create a secondary account in order to contact support about my first account, and they simply thought I was trying to verify my identity on the second account, which was a throwaway account for contacting support. I have {$710.00} tied up in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had an envelope with my birth certificate, passport, and Social Security card in it. The envelop was lost and I could not find it. I had the information together to take it to the DMV to get a real ID. Since misplacing the envelop fraudulent information has been showing up on my credit report. Inquiries I did not do, accounts have been open in my name that I dont know of, my debit and credit cards have charges I did not make, and my debit and credit cards have been used on line and in other states. I am also a victim of the Equifax data breach, and the XXXX XXXX XXXX data breach. I sent a copy of my government ID, my recent Ultility bill, A filed FTC report and a copy of a filed police report # XXXX. The following accounts need to be investigated because of this : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Card Account Number XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX, Dept of ED/XXXX Account # XXXX, Dept of ED/XXXX # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX XXXX Dept of ED/XXXX Account # XXXX XXXX of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX I asked that they block this information until the creditors provide them with a copy of the contract, signed and dated. They failed to block this information within 4 days which is required by The Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) which requires credit reporting bureaus to block fraudulent information resulting from identity theft within 4 business days. I have sent this information 2 times certified mail proving that they have received the information and failed to follow the law.

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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had an envelope with my birth certificate, passport, and Social Security card in it. The envelop was lost and I could not find it. I had the information together to take it to the DMV to get a real ID. Since misplacing the envelop fraudulent information has been showing up on my credit report. Inquiries I did not do, accounts have been open in my name that I dont know of, my debit and credit cards have charges I did not make, and my debit and credit cards have been used on line and in other states. I am also a victim of the Equifax data breach, and the XXXX XXXX XXXX data breach. I sent a copy of my government ID, my recent Ultility bill, A filed FTC report and a copy of a filed police report # XXXX. The following accounts need to be investigated because of this : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Card Account Number XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX, Dept of ED/XXXX Account # XXXX, Dept of ED/XXXX # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX XXXX Dept of ED/XXXX Account # XXXX XXXX of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX I asked that they block this information until the creditors provide them with a copy of the contract, signed and dated. They failed to block this information within 4 days which is required by The Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) which requires credit reporting bureaus to block fraudulent information resulting from identity theft within 4 business days. I have sent this information 2 times certified mail proving that they have received the information and failed to follow the law.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have been experiencing persistent issues using XXXX for routine transactions despite my account being active and in good standing. For an extended period of time, attempts to send payments using funds from my linked bank account have repeatedly failed. For example, on or around XX/XX/year> I attempted to send a payment of approximately {$110.00} through XXXX using my linked bank account, and the transaction was declined by XXXX internal system. Similar declines have occurred repeatedly, including attempts to send small payments ( as low as approximately XXXX XXXXXXXX {$10.00} ) to known contacts. Payments only succeed when using an existing XXXX balance. When XXXX attempts to pull funds directly from my linked bank account, the payment fails. In addition, I have been unable to add new debit or credit cards to my account. Valid card numbers are immediately rejected as invalid. Attempts to add funds from my linked bank account through the add money feature also fail or the transaction window closes before the request completes. I contacted XXXX customer support multiple times via live chat in XX/XX/year>. Representatives confirmed that my account is active and in good standing. However, they stated that the declines are caused by automated security checks and that they can not see the specific reason for the declines. In several instances, chat sessions were closed before the issue was resolved or documented. I requested escalation and documentation of the issue, but I did not receive a clear explanation or resolution. Because of these ongoing failures, I have been unable to reliably send payments through the platform. This has caused missed or delayed payments and has prevented me from completing even small routine transfers. Despite repeated attempts to resolve the issue and reconnect funding sources, the platform continues to allow my account to remain active while preventing the normal use of external payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CA

Complaint narrative:
On XX/XX/XXXX, XXXX, was taken from my account by wells fargo and set me into hardship

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 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Because I called the customer service center of BMO to complaint about the incompetence of a branch manager and employee, shortly after my checking and savings accounts were closed claiming fraud. When I first opened the accounts, the representative who opened my accounts, put the wrong address on the account and it all went downhill after that. I open the accounts back in XXXX and because of the complaints I called in on a particular branch, my accounts were closed by that branch claiming fraud. I am in the process of sending a letter via priority mail tomorrow to the mail company in XXXX IL. As of this day, XX/XX/XXXX, I still have not received the cashier 's checks that was in both of my accounts. I have a letter that I would like to attach to this complaint.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of America and their handling of a dispute involving a debit card transaction on my account for a service that was never completed. In XX/XX/XXXX, I paid a mechanic using my debit card for a service that was supposed to be performed on my vehicle. The service was never completed. When I attempted to contact the mechanic to either have the work completed or receive a refund, the individual blocked me and stopped responding to my attempts to communicate. As a result, I never received the service I paid for and was unable to recover my money directly from the individual. Because of this, I filed a dispute with Bank of America on XX/XX/XXXX. The claim remained under review for some time and was marked as completed on XX/XX/XXXX. During this process, I spoke with Bank of America representatives regarding my situation. I explained that the mechanic had taken my money but never performed the service and had blocked communication with me. The representatives advised me that obtaining a police report could help support my claim and assist in resolving the dispute. Following those instructions, I filed a police report and submitted the documentation that the bank requested. On XX/XX/XXXX, I uploaded the required documents to the bank, including a written letter explaining the situation, the claim numbers related to the dispute, and the official police report documenting the incident. On XX/XX/XXXX, the claim was updated with the new information and documentation I had provided, and the provisional credit was issued back to my account. However, on XX/XX/XXXX, the claim status was changed again and marked as completed, and I was informed that the claim was not approved. The credit was then reversed and the funds were removed from my account. This outcome is confusing and concerning because I followed the instructions provided by Bank of America representatives. I submitted the police report and the written documentation they specifically requested in order to support my claim that I paid for a service that was never performed. I am requesting that Bank of America provide a full explanation of how this investigation was conducted and why the documentation I submitted, including the police report and written statement, was not considered sufficient. I am also requesting that my case be reviewed again, as I paid for a service that was never completed and followed all instructions provided by the bank during the dispute process

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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had an envelope with my birth certificate, passport, and Social Security card in it. The envelop was lost and I could not find it. I had the information together to take it to the DMV to get a real ID. Since misplacing the envelop fraudulent information has been showing up on my credit report. Inquiries I did not do, accounts have been open in my name that I dont know of, my debit and credit cards have charges I did not make, and my debit and credit cards have been used on line and in other states. I am also a victim of the Equifax data breach, and the XXXX XXXX XXXX data breach. I sent a copy of my government ID, my recent Ultility bill, A filed FTC report and a copy of a filed police report # XXXX. The following accounts need to be investigated because of this : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Card Account Number XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX XXXX, Dept of ED/XXXX Account # XXXX, Dept of ED/XXXX Account # XXXX, Dept of ED/XXXX # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX XXXX Dept of ED/XXXX Account # XXXX XXXX of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX, Dept of ED/XXXX Account # XXXX XX/XX/XXXX I asked that they block this information until the creditors provide them with a copy of the contract, signed and dated. They failed to block this information within 4 days which is required by The Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) which requires credit reporting bureaus to block fraudulent information resulting from identity theft within 4 business days. I have sent this information 2 times certified mail proving that they have received the information and failed to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: SC

Complaint narrative:
I lost my student email associated with the cashapp account ( XXXX ) and the phone number ( XXXX ). I given then all the info to get it back but they won't. I bought XXXX and XXXX stocks back before XXXX. My student account got deleted after graduation and I lost my phone. I didn't think the stocks would increase as they did so I didn't care. Now I know they have and I believe cashapp is trying to keep my funds. I can prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX : I submit this complaint under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and related consumer protection laws. I request investigation and enforcement action where appropriate. Consumer details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Credit report date : XX/XX/XXXX Summary of issues : - XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Account ref : XXXX ( XXXX ) XXXX XXXX ( XXXX ) Collection Balance {$310.00} Last activity/last reported XX/XX/XXXX Status : collection / unpaid / assigned to collection agency. I assert this collection and related communications are inaccurate and constitute unlawful communications under 15 U.S.C. 1692. Requested relief for accounts : - If the furnishers/collectors can not fully validate these accounts, delete them immediately from my XXXX XXXX XXXX XXXX files. - If validated, correct any inaccurate or incomplete information and provide documentation showing lawful validation and permissible communications. - Provide written confirmation of actions taken. XXXX ) Unauthorized or unverifiable hard inquiries I dispute the legitimacy or verification of the following inquiries appearing on my report and request removal if they can not be validated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and notify me in writing of your findings and any corrective actions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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>, three unauthorized transactions were made from my Venmo account. I did not authorize these payments, nor did I receive any goods or services from the merchants involved. The transactions occurred as follows : 1. XXXX XXXX {$36.00} 2. XXXX XXXX {$31.00} 3. XXXX XXXX XXXX {$13.00} All three transactions happened on the same day and were made to foreign merchants that I have never interacted with. I contacted Venmo via email XXXX times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting details and an explanation regarding these transactions, including Case ID and the evidence they used to determine the transactions were authorized. Venmo did not provide any detailed response, only an automatic reply stating that the email inbox is not monitored. I am now submitting this complaint to CFPB for review and request that Venmo conduct a thorough reinvestigation and provide a full explanation of the evidence used for these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a complaint regarding harassment and improper debt collection practices. Throughout the year, this company has repeatedly called me during my working hours and early in the morning before XXXX XXXX. On several occasions, they called and then hung up when I asked for a copy of the bill or validation of the debt. During phone conversations, representatives threatened that I could go to jail and that they would take my car if I did not pay. I believe these threats are improper and misleading. Recently I received letters from attorneys stating that a lawsuit has been filed. However, I have repeatedly requested debt validation and have not received documentation proving the debt. This past weekend, someone representing this company knocked on my neighbors door asking when I would be home and told my neighbor that I have legal problems. I believe this is an improper disclosure of my personal financial situation. I again requested debt validation by phone today and was told it would take 710 days. I also sent an email requesting documentation. I am requesting that the company provide proper debt validation and cease harassment and communication with third parties regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account being reported by National Credit Systems on behalf of XXXX XXXX at XXXX XXXX with a balance of approximately {$570.00}. I do not recognize this debt and requested validation from the collection agency, including an itemized statement, documentation showing the original lease agreement, and proof that National Credit Systems has the legal authority to collect this debt. As of now, I have not received documentation verifying the debt, such as a signed lease agreement, a moveout statement, or an itemized accounting of the charges. Despite the lack of verification, the account continues to be reported on my credit report. Because this account has not been properly validated, I am requesting that the company remove the account from my credit report.

Company response to consumer: Closed with explanation