vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
XXXX late XX/XX/XXXX, I was contacted by someone impersonating the fraud department of U.S. Bank. The caller stated my account had been hacked and instructed me to verify my identity and complete steps to secure the account. During the call, the scammer obtained one-time passcodes ( OTP ), had visibility of my device through screen mirroring, and directed me to set up XXXX XXXX and move {$750.00} to my XXXX XXXX under the explanation that the funds needed to be secured and then refunded. The final step was to send the funds to a number they provided. At that point I realized the caller was not my bank, ended the call, and immediately reported the incident to U.S. Bank as fraud. The bank denied my dispute, stating that because I had used XXXX XXXX once in XXXX for a small payment to someone I knew, the {$750.00} transfer was considered authorized. However, the transaction occurred as a direct result of a bank impersonation scam and compromised authentication codes obtained during the call. Over the past several months I have repeatedly contacted the bank requesting that the dispute be reopened. I have been told the case was filed incorrectly twice and that the processor requested it be reopened, but the bank has refused to reopen the investigation. This unresolved dispute has also prevented me from closing the affected account and restoring my online banking access. I am requesting that the bank conduct a proper investigation into the fraudulent XXXX XXXX transfer and reimburse the {$750.00} taken through this impersonation scam. This would change the amount in my old checking account from XXXX to XXXX, so I can close this account. I have been eager to try to resolve this since it occured as it has prevented my online banking access for 4 months now.

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 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Selling medical building. Deed of Trust lien is holding up the sale of building. Contacted Wells Fargo Resolution Team on XX/XX/year>, requested release of Deed of Trust or payoff {$400000.00}. Loan number XXXX obligation # XXXX. I call the Resolution Team daily with no results. My complaint # XXXX The contact number for the Wells Fargo Resolution Team is XXXX. This is delaying closing of the building. We need the payoff statement.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint because Citibank failed to provide a complete and substantive response to my prior regulator-submitted complaint. After I documented multiple omissions in Citibank 's XX/XX/year> response and requested clarification, Citibank re-issued the same XX/XX/XXXX letter, word-for-word, without addressing any of the deficiencies I identified. This indicates that my follow-up correspondence was not reviewed and that no investigation was reopened. This complaint concerns Citibank 's failure to respond adequately to a regulator-submitted inquiry, not the underlying credit-display issue alone.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am writing to formally complain about the abrupt closure of my Bank of America account. I opened the account in good faith, and to my surprise, it was closed within that same week without any clear explanation. I was not given prior notice or a detailed reason for the decision, which has caused inconvenience and concern. I respectfully request clarification regarding why my account was closed and whether there are any steps I can take to resolve this matter.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I requested repayment of {$5600.00} XXXX transferred to XXXX XXXX XXXX XXXX ( XXXX of XXXX XXXX XXXX ) via XXXX and XXXX XXXX between XXXX. He claimed urgent XXXX XXXX issues, non-profit funding, personal emergencies. I believed I was helping a friend. He never repaid, blocked me after I asked, and continued posting luxury trips ( first-class flights, boats, high-end destinations with partner XXXX XXXX ). Screenshots show his posts timed right after my transfers. I filed FTC XXXX, XXXX, XXXX XXXX, FBI IC3. This looks like systematic deception and XXXX. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by LVNV Funding LLC, originally associated with XXXX XXXX XXXX, with account number XXXX, showing a balance of {$1200.00} on my credit report. I do not recognize this account as something I knowingly authorized, and I have serious concerns that my personal identifying information may have been compromised through a data breach or unauthorized access to my personal data. Over the past several years there have been numerous large-scale breaches involving financial institutions and credit reporting systems that exposed consumer information. Because of this, it is possible for accounts to be opened, transferred, or reported using compromised information without the consumers knowledge. After carefully reviewing my credit report, I discovered this collection account and immediately disputed the accuracy of the reporting. Despite my dispute, the account continues to be reported without the company providing proper verification that I legally authorized the debt or that they possess documentation proving their legal right to collect or report it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies and data furnishers are required to ensure that all information reported is accurate, complete, and properly verified. Reporting a debt without proper verification or documentation may constitute inaccurate reporting. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), a debt collector must be able to substantiate the debt and their authority to collect it. Simply verifying the account through automated systems without producing documentation bearing my authorization does not satisfy these legal obligations. I am requesting that the Consumer Financial Protection Bureau require LVNV Funding LLC and the credit reporting agencies to conduct a proper investigation into this matter and provide documentation demonstrating that this account is valid, legally enforceable, and authorized by me. If such documentation can not be produced, the account should be permanently removed from my credit report. Consumers should not be forced to deal with potentially inaccurate or unauthorized accounts being reported against them, especially in an environment where identity theft and data breaches are so common. I am requesting a fair and lawful resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
So I saw a {$10.00} charge on my credit card that Ive had with SoFi since XXXX. I called and asked what that was because I hadnt used my card thinking it was XXXX They said they sent me an email in XXXX that must have went to my XXXX folder, because I never saw it. The charge happened today, so I called in and they said a week ago was the opt out period. If I didnt respond to their email I was agreeing to pay the fees. I explained I never saw it how can I opt out if I wasnt notified. They said its my job to check my emails daily and since I didnt I have to pay. I could understand if it was a respond to opt in, but responding to opt out seems like XXXX business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bright Capital Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX - Closed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX | ( XXXX ) XXXX Account Number : XXXX XXXXXXXX | {$0.00} To Whom It May Concern : Have no idea who and what this is for. This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as permitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation of the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NY

Complaint narrative:
Paypal Case ID XXXX Formal Dispute of Fraudulent Payment to XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX US funds ) Paypal has failed to protect me from a FRAUDULENT transaction on XX/XX/year> that I did not authorize. Paypal said they reviewed it and said there was no unauthorized use on my account. I believe my credentials were stolen from a fake XXXX site when I tried to open an account with them in XXXX. An unauthorized transfer of {$750.00} was sent to an unknown party. I have used my Paypal account for over XXXX years and never had a problem until this. I am also a XXXX XXXX on a limited income. My password and security questions have been changed and I want to request a full refund of {$750.00} for this unauthorized activity and ensure any further transactions from this person are blocked. Under Regulation E, I am not liable for unauthorized electronic transfers. Please let me know if you need any further information from my end to complete the investigation. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 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: PA

Complaint narrative:
XX/XX/year> I received an email from PayPal stating my account was suspended due to recent transactions that I may or may not have authorized. I logged directly into my PayPal account to confirm the message was legitimate. Inside the account, PayPal required that I submit a drivers license, bank statement, and proof of address to restore access. I am not comfortable providing this level of sensitive personal documentation. I have had this PayPal account for many years and have had the same bank account linked for long time. PayPal informed me that if I do not provide these documents, my {$54.00} balance will be held for XXXX days before it can be withdrawn. There has been no activity on the account since a purchase in XX/XX/year>. I am not seeking to restore the account. I am simply requesting that PayPal release the {$54.00} balance to the bank account that has long been on file. Holding the funds under these circumstances appears unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
This company is violating my rights. It has been XXXX days and they have no provided validated information. Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my credit report. 15 U.S.C. SS 1692g ( b ) of the FDCPA requires debit collectors to cease collection activities and provide proper validation of the debt within 30 days of initial contact. These accounts are not XXXX % accurate. Until I am provided competent evidence that validates the debt including a signed agreement, and full account history, you MUST cease all collection efforts and remove this information from my credit report. Please review this immediately. ONCE A VEHICLE IS SOLD AT AUCTION I NO LONGER OWE THE ORIGINAL DEBT.. I look forward to this matter being resolved as soon as possible as this is taking a toll on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
For loan account number : XXXX ) Honda Financial Services has not been reporting my vehicle loan payments to Credit Bureau XXXX ) Honda Financial Services are also not allowing me to make loan payments via credit card Despite millions in penalty, the company continues to ignore customers credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint regarding an account reported by LVNV Funding LLC on my consumer credit reports. The account is listed as a collection account allegedly originating from XXXX XXXX XXXX XXXX. with a balance of approximately {$920.00}. LVNV Funding LLC is a debt buyer and not the original creditor. Because of this, I formally requested validation of the alleged debt and documentation showing that LVNV Funding has the legal authority to collect and report this account. I sent a written dispute requesting the following documentation : a copy of the original signed agreement or contract associated with the alleged debt documentation identifying the original account number issued by XXXX XXXX XXXX XXXX. a complete account history including statements showing how the balance was calculated documentation showing the chain of assignment transferring the account to LVNV Funding LLC documentation proving LVNV Funding LLC has the legal authority to collect and report this debt To date, this documentation has not been provided. Despite the lack of verification, LVNV Funding XXXXontinues to report this account to consumer reporting agencies. Reporting a debt without providing documentation verifying the accuracy and ownership of the debt raises serious concerns regarding compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that LVNV Funding either provide the requested documentation validating this alleged debt or immediately cease reporting the account to all consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
am filing a complaint regarding a misapplied payment on my credit card account. On XX/XX/year>, I purchased XXXX XXXX XXXX XXXX XXXX money orders in the amount of {$1000.00} each ( total {$2000.00} ) to pay toward my credit card balance. I have attached copies of the XXXX receipts and money order serial numbers as proof of purchase. On XX/XX/year>, the credit card company incorrectly processed XXXX of the {$1000.00} money orders as {$10000.00}. This was an internal processing error on their end. A correction was later made to reverse the {$10000.00} entry. However, after the reversal, XXXX of my legitimate {$1000.00} payments is now missing from my account. I have contacted the company, and they stated they did not find anything wrong, but they have not provided documentation showing how the {$10000.00} reversal was applied or how both original {$1000.00} payments were accounted for. Based on my records, XXXX valid {$1000.00} money order payment has not been properly credited to my account. I am requesting a full transaction investigation, including : The transaction ID for the {$10000.00} credit The transaction ID for the {$10000.00} reversal A breakdown showing which specific payments were reversed Correction of my account to reflect the missing {$1000.00} payment I have attached copies of my XXXX money order receipts and payment history as supporting documentation. I am requesting that this matter be fully investigated and corrected.

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 2026-03-05 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On wednesday XX/XX/XXXX2026 Huntington national bank took {$570.00} out of my account saying i owed from 2022 my whole paycheck they took have no idea what talking about. This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics. Ive already tried to reslove these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMERICAN EXPRESS On XXXX XXXX, 2026, American Express denied a more than XXXX client a card due to : 1.- false representations about the XXXXredit score to be XXXX against XXXX, the same day. 2.- Defamation about inquiries to debt settlement programs, without support. ( I ask the CFPB to ask them to prove this defamation with evidence, with my bearing signature, email request, or similar : I do not even know which company they are mentioning, out to 100s of the CRAs permitted to soft inquire your credit ). Dare them to prove that someone with 33 % utilization needs so, away from a total debt less than my yearly income. 3.- Ratio of revolving account balances too high while at 33 % utilization. Another defaming false statement. 4.- length of time of accounts established, where adding some cards from themselves closed in the past are more than 25 years. 5.- Too many hard inquiries, having XXXX at that moment and 1 more made the following day to refinance my home. They have been denying credit, going from commission-free cards to cards from XXXX per year. Acting on presumption is not permitted by law. A representative was trying to restrict me from recording a conversation where she was violating the Texas Penal Code section 16.02, which I am permitted since it is a one-party consent state. Falsely declaring that American Express policies were able to go over the law by doing this, and blaming the correct reporting from the CRAs to them, since their credit tool for clients was consistent with my real score, and not with their negligent underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft and I am not aware of these accounts.

Company response to consumer: Closed with non-monetary relief