vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: VA

Complaint narrative:
Complaint Against Bank of America Unexplained Account Closure and Withholding of Funds I am submitting this complaint regarding Bank of Americas decision to permanently close my checking account on XX/XX/year> without providing a clear reason and its continued withholding of my funds. 

I was a Bank of America customer for nearly XXXX years. During this time, my account was maintained in good standing, and I complied with all account terms and conditions to the best of my knowledge. I received no prior notice, warning, or explanation before my account was permanently closed. 

After the closure, Bank of America retained the remaining balance in my account. Despite multiple attempts to obtain information, Bank of America has refused to provide : A specific reason for the account closure The legal or contractual basis for withholding my funds A clear timeline or method for returning my remaining balance Customer service representatives have stated that they are unable to share any details regarding the closure decision. This lack of transparency has left me unable to access my own money and without any meaningful recourse or explanation. 

I believe Bank of Americas actions are unfair and potentially violate consumer protection principles, including the obligation to handle consumer funds responsibly and to communicate clearly regarding adverse actions affecting customer accounts. 

I am requesting that Bank of America be required to : Provide a written explanation for the permanent closure of my account. 

Release my remaining funds immediately, or provide a clear written timeline and process for doing so. 

Identify the specific policies, contractual provisions, or regulations relied upon in closing my account and withholding my funds. 

I am seeking the CFPBs assistance in ensuring that Bank of America addresses this matter promptly, transparently, and in accordance with applicable consumer protection laws. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYSTis 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I noticed an email this afternoon stating my account balance hit XXXX I called the bank. They notified me my account had been put on hold. They had no time frame of when it would be restored back for my funds to be in use then the lady proceed to give me a fake number for something that doesnt even like concern my concerns. They had no explanation of why it was held. Still no explanation of when my check will be released. I feel as Im being robbed by the bank, and I will be pursuing with the local cops as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
Good afternoon, this email is to inform you : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX THIS CLINIC IS OPERATING UNDER AN INACTIVE CORPORATION. 

Cherry Team : I am writing to notify you that the entity you are financing, XXXX XXXX, XXXX, is associated with my account and loan application dispute under UNAUTHORIZING LOAN is currently listed as an INACTIVE DISSOLVED according to the Florida XXXX XXXX XXXX, XXXX XXXX number : XXXX As such, I'd like to ask about the validity and enforceability of the loan issued to this Corporation. 
This is particularly relevant to my ongoing DISPUTE FOR UNAUTHORIZING LOAN submitted. 

I am requesting the immediate investigation on this matter and CANCELLATION OF THIS LOAN before the CFPB complain open be notified. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've asked Portfolio Recovery Associates to provide proof that I an legally obligated to pay the debt including a copy or agreement with my signature. In addition to how the amount claimed owed was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Several months ago I received a notice of debt revival for a debt that is not mine. They tried to garnish wages at my employer but that didn't work, and then I received a letter about revival of the debt, it looked like court documents but there was no date, time or anything for any type of hearing. I filed a complaint already and in their response they said it was a debt with " XXXX XXXX '' - I have no idea who that is. They also said I made a payment in 2022 which is absolutely not true. I have made no payments to any type of collection agency. Reporting fake payments to a debt to revive them is illegal, and to a debt that isn't even mine. I'm requesting that cfpb demand that they show proof of this alleged payment, I want to see account numbers and everything because it won't show any of mine since I was not the one who made this fake payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: UT

Complaint narrative:
Today at approximately XXXX XXXX MT. I called XXXX Security Finance XXXX The girl greeted and asked who she was speaking with. I stated my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She said immediately we were calling you about your payment. 
I am due for XXXX payment and I made arrangements with her to call back on Thursday to make payment. I then asked for a full Cease and Desist on my references as they called all of my references this morning. 

My complaint is that I also told her that I didnt not appreciate her committing these actions on my account with our verifying who I am on the phone. I then asked for a supervisor and asked if it was their policy to do these things on their clients accounts and not verify who theyre speaking with. The supervisor then stated Im not going to discuss our policy with you. I have received XXXX calls a day and on top of contacting my references and employer. I am also concerned that they may have released information about me. Why wouldnt they have, since they didnt even verify me to begin with. Then after I verified my arrangement to call her back on Thursday with payment and will communicate my arrangements moving forward. She continued to tell me that the reason why they call so much is because they havent heard from me. She continued to go in circles even after we had a resolution. I asked her if she was done reprimanding me about my situation, even though I already gave a solution? She said no were good. 

I also told her that some acknowledgment on the fact that the young lady released all of my information that was inappropriate. It would be nice to have an apology. She said it will be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I discovered multiple accounts and inquiries on my ChexSystems report that I did not authorize or apply for. These include accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am requesting that the companies investigate these accounts and remove any fraudulent or unauthorized entries from my report

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 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
On the morning of XX/XX/XXXX I recieved a letter from the irs stating I am missing information on my return for XXXX. I went to the irs website to find a XXXX for American credit acceptance in the amount of XXXX $ for a used XXXX XXXX civic that I voluntarily returned upon repossession. I reached out regarding this amount as it was extremely high and incorrect to find out through their legal team at the loan company that the amount was suppose to be for XXXX not XXXX. They sent me a corrected XXXX form but the fact still remains that for XXXX years I was unaware that they fraudulently claimed an amount to the irs in my name to be paid on their business taxes and now the irs is wanting restitution for that said amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
XX/XX/XXXX i reached out to Credence resource management because a amount of XXXX was reporting on my credit and was killing my score. But I wasnt aware of this debt so i asked the company to send proof validating the debt and any documents they have. They stated they dont have any documents and the debt was validated internally. I then asked why is it still being reported on my credit if i asked for this to be validated and they continued to ignore my request stating it has already been validated and when they received documentation then they will send it to me. 

According to federal law if a debt collector continues collection without providing validation it can be against federal laws. 

XXXX XXXX was helping me and he transferred me to a very rude supervisor that stated to me they will collect on this debt as long as they want to. Her name was something like XXXX XXXX She was very nasty and rude even when i stated it was against the law her response was well thats not how it works over here. I have voice recordings of all conversations between these XXXX individuals. They both stated on the phone that they dont have any documentation pertaining to this XXXX charge that they have been reporting on my credit for 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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:
My PayPal account was permanently deactivated on or about XX/XX/year> after approximately 13 years of continuous use. PayPal stated that it found unusual activity but provided no specific explanation, evidence, or policy citation, and no appeal or review option was made available. 

The decision was presented as final and non-reviewable. This occurred despite a long account history and no known prior violations. 

At the time of closure, I had no funds being held. However, I have active PayPal XXXX and XXXX in XXXX balances, which I have consistently paid on time. I intend to continue meeting all repayment obligations. 

The sudden account closure without explanation or appeal has caused operational and financial disruption. I am requesting written clarification of the reason for the permanent limitation, confirmation that my credit obligations remain in good standing, and assurance that no negative credit reporting will occur as a result of this account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX, Synchrony Bank wrote : XXXX We can confirm that incorrect information was provided ( by XXXX ) in our previous response... It was incorrectly stated that interest charges in the amount of {$17.00} were waived... Further review ... confirms a credit in the amount of {$9.00} was previously provided by Synchrony on XX/XX/XXXX '' ; for a PROMOTIONAL Purchase that was DISPUTED since XXXX. You Are Criminals. 

On XXXX, Synchrony wrote : " we determined your billing statement may have been delayed or not sent. Therefore, an adjustment was made to your account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; for a PROMOTIONAL Purchase that was DISPUTED since XXXX. There should be Apologies and Compensation for these Bank ATTEMPTS TO STEAL FROM THE VULNERABLE. It is INHUMANE. For months, since XXXX, Synchrony Bank Attempted To Steal from me as Synchrony Bank terrorized me with Harassing Letters over Synchrony Bank XXXX FRAUDULENT Accounting and Fraudulent Statements. Synchrony Bank XXXX Attempt to steal from the vulnerable is INHUMANE. 

On XXXX, Synchrony Bank wrote : `` Upon further review, we have determined that incorrect information was provided ( by Synchrony Bank )... waived interest charges totaling {$17.00} ; however, only {$8.00} was for interest charges ''. I have stated numerous times since XXXX thatyour accounting, Statements and billing are FRAUDULENT. That's what i had been complaining about since XXXX. 

On XXXX, Synchrony wrote : '' XXXX.. you contacted us to dispute {$9.00} ( XXXX  ) of the purchase in the amount of {$1200.00} made on XX/XX/XXXX... we issued a credit in the amount of {$9.00} ( in XXXX ) ''. On XXXX, XXXX wrote : " XXXX a credit of {$9.00} posted as a merchandise return... the credit was INITIATED BY THE PROVIDER ''. This is a Contradiction of Synchrony 's earlier explanation dated XXXX, stating : " In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened by you ( XXXX  ) on XX/XX/XXXX, in which you claimed you were overcharged ( XXXX  ) by the merchant by {$9.00}, for the purchase in question ''. Why did Synchrony give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX? A credit i could never request since there was NO SUCH extra charge. YOU ARE XXXX, CRIMINALS and INHUMANE XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: ID

Complaint narrative:
XXXX declined every single transaction ( even after activation ), even while attempting to add the card to an online wallet. Called customer representative, was told that adding a billing address to the card is not possible. Asked about how to add it to an online wallet. Was guided through on how to do so, it didn't work. Representative said nothing could be done and hung up. Card is not usable on 90 % of online sites even though it was advertised that it would. 
I was forced to transfer it onto an XXXX account as that is the only thing that would work. Wasted ~ {$8.00} for activation for it to be useless on most sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was fraudulently charged for a hotel transaction on XX/XX/XXXX in the amount of {$840.00}. I called Wells Fargo and they closed the account/sent me a new card, as there was another fraudulent transaction that took place ( that other one was resolved ). The {$840.00} charge posted to my credit card statement, and I called on XXXX and XX/XX/XXXX to notify Wells Fargo that this transaction was fraudulent and that I needed to file a chargeback on that. The only thing I was told was that I would receive mail in XXXX business days, and the fraudulent transaction has still not been reimbursed by Wells Fargo XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: GA

Complaint narrative:
I am filing this complaint against Chime Financial XXXX XXXX for failing to properly investigate and reimburse unauthorized transactions involving XXXX and XXXX, and for wrongfully denying my dispute without providing sufficient justification or evidence. 

Between XX/XX/XXXX and XX/XX/XXXX, multiple unauthorized transactions were processed through XXXX associated with XXXX wallet activity on my Chime account. I did not authorize, initiate, or approve any of these transactions, nor did I have control of or access to the XXXX wallet involved. 

The unauthorized transactions are as follows : XX/XX/XXXX at XXXX XXXX  {$450.00} ( MoonPay * Phantom ) XX/XX/XXXX at XXXX XXXX {$370.00} ( MoonPay * Phantom ) XX/XX/XXXX at XXXX XXXX  {$450.00} ( MoonPay * Phantom ) XX/XX/XXXX at XXXX XXXX  {$920.00} ( MoonPay * Phantom ) These transactions total {$2100.00} and were clearly fraudulent. The amounts, timing, and repetition indicate account compromise and unauthorized use. These charges are inconsistent with my normal spending behavior and occurred without my knowledge or consent. 

I promptly reported these transactions to Chime and disputed all XXXX charges. Despite timely notice, Chime denied my dispute on XX/XX/XXXX without providing transaction-level evidence, proof of authorization, IP/device verification, or documentation showing that a reasonable investigation was conducted. 

Chimes denial appears to violate its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX, as well as applicable card network dispute requirements, which require financial institutions to protect consumers from unauthorized electronic fund transfers and card-not-present fraud when reported in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I was a victim of an online scam involving deception, fake identification, and check fraud. An individual using the name XXXX XXXX '' contacted me online and built my trust through a personal relationship. he provided images of identification and falsely claimed legitimacy. He told me he had added me to his bank account bank account and that funds were available to me. He mailed me checks printed in my name and my home address on it and sent additional checks and banking information. Based on these false representations, he instructed me to use the checks that he sent in my name writing a check for XXXX and deposit the check into my XXXX Bank checking account which was detected as fraudulent by the bank and stopped. the account was closed for fraud protection. I also wrote a second check for XXXX for my XXXX account, which later bounced, resulting in a returned check fee. The individual also instructed me to purchase gift cards using my credit cards, promising he would pay the balances using the fraudulent banking information he provided. These purchases were made under deception as part of a scam I did not receive any legitimate goods or services and did not benefit financially. once I realized it was a scam, immediately stopped contact all contact, blocked the individual, froze my credit with all the credit bureaus, and filed reports with ( FTC ), ( XXXX ) and my local police department. All actions were taken under false pretenses and manipulation. I am submitting this statement to document that I am a victim of a scam and to request appropriate consumer protection, fee reversal, and protection from negative credit reporting related to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE financial services has contacted me via phone at least XXXX times since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, .These contacts consisted of robocalls from multiple toll free numbers including XXXX, XXXX and XXXX area codes. Despite these repeated phone communications over a period of nearly XXXX  days, the company has failed to provide a written validation notice. This is a violation of the requirement to send written notification within XXXX  days of initial contact. I have no outstanding debt with this company or any original creditors they may represent. I have taken no action to acknowledge this alleged debt and have not provided any personal information during these calls. I am currently keeping a log of all incoming calls and have save voicemails as evidence of this ongoing harassment and failure to provide legal notification.

Company response to consumer: Closed with explanation