vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate consumer reporting related to my banking history that is currently being reported through XXXX by Bank of America. According to my XXXX file, Bank of America reported an account closure with an alleged unpaid balance of {$15000.00} dated XX/XX/year>. However, Bank of America has already issued funds to me that resolve the financial matter associated with this account. Despite the matter being financially settled, the negative reporting remains on my consumer file as unpaid, which is inaccurate and materially misleading. This reporting violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must provide accurate information. 15 U.S.C. 1681s-2 ( a ) ( 2 ) Furnishers must correct and update information that is not complete or accurate. 15 U.S.C. 1681i Consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes forwarded by consumer reporting agencies and correct inaccuracies. Because the financial obligation has been satisfied and/or resolved through funds already issued by Bank of America , continuing to report the account as unpaid constitutes inaccurate reporting and causes ongoing harm, including denial of banking services. I am requesting the following relief : 1. Immediate reinvestigation of this account reporting. 2. Correction of the account status to reflect paid/settled in full, or complete deletion from XXXX if accuracy can not be verified. 3. Written confirmation of the correction or deletion. 4. Assurance that any third parties who accessed my XXXX report receive updated 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 explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: MA

Complaint narrative:
I was sent a letter by Unifin as a third party debt collector for XXXX XXXX XXXX XXXX. They have previously tried to collect a unethical debt and was disputed successfully. Now they are trying to use another XXXX party to collect a debt that was not only the wrong amount, but also charged off by the original creditor XXXX XXXX XXXX. They are trying to say I owe in the amount of {$15000.00} even thought the debt was charged off with a balance of {$8000.00}. The vehicle was sold for the amount of {$15000.00}. I do not owe that amount and it was also charged off. Now there are third party XXXX trying to send me letters that the wrong amount is owed. Their debt collection tactics are unethical and will find any way possible to scheme individuals thinking that they owe a debt no longer owed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i want to fix my account because it got banned i need second chance from wells fargo please tell them unbanned my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding multiple prepaid gift cards ( XXXX XXXX, XXXX, and XXXX ) that have been placed on hold when attempting to use them. I purchased several of these gift cards and have experienced repeated issues when trying to use them. The cards are frequently declined with a status indicating they are on hold. I have attempted to use the cards in various ways, including : Making purchases that exceed the total balance to trigger automatic balance depletion Making small purchases below the available balance Using them for various online transactions Despite these efforts, the same issue continues to occur. I am in physical possession of all affected gift cards, along with the original packaging and purchase receipts. I have not engaged in any activity that would justify restrictions or holds being placed on these cards. The inability to access funds that were paid in full is both frustrating and concerning. I respectfully request a full refund for the affected gift cards. I am prepared to provide any documentation or evidence necessary, including receipts, card numbers, photographs of the packaging, and transaction attempts. Thank you for your assistance in resolving this matter. I appreciate your review and look forward to a resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
HELVEY XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY XXXX 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 XXXX - 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 2026-02-25 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: Sunlight Financial LLC
State: MA

Complaint narrative:
So I got a loan through sunlight financial for a solar install that included a roof install, solar panel install, and electrical upgrade. I got calls from the roofing company for payment as that was not paid to them. At first both the installing company who handle the work and the sunlight both responded saying they would look into the matter, but went radio silence. I'm paying the monthly payments on the loan without missing any payments and they are not answering my calls or email anymore. I threatened legal action and also got Massachusetts attorney general office involved and still no response. They are still collecting on this loan when they didnt pay the own payments. The roofer is threatening to put a mechanical lien on my house.

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 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I contacted XXXX XXXX regarding this hospital billing issues on XXXX XXXX, XXXX. This is under review by the insurance provider, with Case Number : XXXX, including the Ref. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: VA

Complaint narrative:
On XX/XX/year>, my PayPal account reached the end of the 180-day restriction period, at which point the funds should have become available for withdrawal. However, without prior effective notice or reasonable opportunity to withdraw, PayPal unilaterally deducted and zeroed out my account balance on XX/XX/year>. I did not receive clear reminders from PayPal before the funds were taken, nor did I abandon the funds voluntarily. PayPals practice of seizing customer funds by claiming failure to withdraw in time is unfair, unreasonable, and a violation of consumer rights. I request that the CFPB investigate this case and order PayPal to : Immediately restore the full balance that was wrongfully XXXX out. Provide written documentation explaining the deduction. Allow me to withdraw my funds without further delay. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: LA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXX XXXX XXXX XXXX XXXXXXXX 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a low interest credit card with citi on XXXX XXXX and was approved. I then put in the information for the balance transfer to the new card. Citi transferred it to a high interest credit card I already had open with a high interest rate. I called them and asked them to place the balance transfer from XXXX in the amount of {$5600.00} to the correct card I just opened. Instead they put it on a high interest card I already had opened and told me I had to go through discover to fix it. I called XXXX and they told me Citi had to fix it. I went through this process of calling both of them multiple times asking them to put it on the correct card I just opened. I never authorized it to go to my already opened high interest card. Neither company refused to help me. I am begging you to please help me I am going through XXXX treatment and can not have more 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: PA

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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
" I am filing this complaint because Mohela is reporting inaccurate information on my credit report regarding account and the credit bureaus have failed to correct it after a formal dispute. The specific error is [ choose one : 'reporting late payments when I was in deferment/forbearance, ' 'reporting an incorrect balance of reporting a paid/forgiven loan as active, ' or 'listing duplicate accounts. I submitted a dispute to all credit Bureaus. The company failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). I have attached [ list documents : e.g., 'billing statements, ' 'deferment approval letter, ' or 'payment receipts ' ] proving the current reporting is false.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
Two years ago I lost my wallet with my personal documents including my state ID and social security card. Last year I started noticing irregularities in my credit report which makes me think someone ( I dont know who ) is using my personal information to apply and maybe open accounts. Especially since I went bankruptcy in 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Complaint Summary : I am filing this complaint regarding multiple new unauthorized transactions on my Crypto.com XXXX XXXX XXXX, reported through the following dispute submissions : 1. XX/XX/XXXX Reference Number : XXXX XXXX reported transactions 2. XX/XX/XXXX Reference Number : XXXX XXXX reported transactions 3. Existing dispute Reference Number : XXXX These disputes concern transactions that were not made by me, were not authorized by me, and from which I did not benefit. Despite timely reporting, Crypto.com / Foris DAX , Inc. has failed to provide adequate updates or detailed investigation status for these disputes. Additionally, on XX/XX/XXXX, Crypto.com provisionally credited my account for prior unauthorized transactions. However, I have been unable to use my virtual card and have received conflicting messages indicating my card privileges would not be reissued, even while open disputes are active. Company representatives have suggested that provisional credits may be reversed if disputes are denied, without providing clear investigative timelines or regulatory compliance assurances. Regulatory Violations : 1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f Requires financial institutions to promptly investigate unauthorized electronic fund transfers. Crypto.com has failed to provide proper updates, timelines, or transparent handling of the new disputes. EFTA does not allow imposing arbitrary account restrictions or withholding use of funds during an active investigation. 2. Regulation E, 12 CFR 1005.11 Mandates good-faith investigation of reported errors and unauthorized transactions, with provisional credit where appropriate. Crypto.com has refused to clearly update the complainant on the status of new disputes, creating potential violations of the error resolution procedure. 3. XXXX XXXX Liability Policy ( U.S.-issued cards ) Protects cardholders from unauthorized charges once reported. Crypto.coms statements that provisional credits may be reversed and that card privileges may not be reissued contradict these protections, creating financial risk to the cardholder. 4. Consumer Financial Protection Regulations Account Access / Provisional Credit While disputes are under investigation, consumers must retain access to credited funds or be provided a mechanism to access funds, including virtual or reissued cards. Crypto.coms refusal to issue a new card or provide access to funds violates the consumers right to use provisional credits. Evidence Provided : Chat transcripts with Crypto.com representatives ( XX/XX/XXXX, XXXX ) confirming provisionally credited amounts and refusal to reissue card or provide timelines Emails confirming the routine account review and temporary account restrictions Dispute submissions with reference numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed my 2025 taxes jointly with my spouse. Our IRS Form XXXX clearly lists both of our names. I directed the refund to my Chime account, which is under my name. Chime emailed me stating they received my refund but wouldnt release it until I sent documentation. I immediately provided : Full Form XXXX My ID My spouses ID Despite this, Chime informed me the next day that they returned my refund to the IRS, claiming my spouses name was listed first on the tax return. This is not an IRS requirement, since joint refunds can be deposited into an account belonging to either spouse. Chime also told me the decision was made by an automatic system, not a manual review. Because of XXXX actions : My refund is now delayed XXXX weeks I experienced financial hardship because I can not access my refund I lost time providing documents that were ignored I am requesting a full explanation, correction of their automated system, and {$2000.00} in compensation for financial harm and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a check a connect one back from XXXX XXXX XXXX XXXX for the amount of {$30000.00} to reimburse for personal purahcse of electrical switch gear for the project. Chase claimed that the check singer is not authorized. The check signer and I went to the Chase bank located on XXXX XXXX in XXXX NJ and the signer provided the branch XXXX XXXX showing the signer mailing address, a copy of his drivers license and his contact info. Chase came back in couple of days and stated they are not able to get in touch with the signer, but they have been calling a number he didnt have since 2003. We have made every effort to resolve the matter, but Chase is refusing to return the funds to XXXX bank or releasing them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am filing this supplemental complaint regarding Four Leaf XXXX ongoing failure to provide accurate and timely financial documentation. On XX/XX/XXXX, I received a tax form from the lender, which I used to complete and file my annual tax return. On XX/XX/XXXX, the lender issued an amended form, citing errors in the original document. This late correction is not an isolated incident ; it is part of a recurring pattern of miscommunication and mismanagement that I have previously reported to the CFPB. As a direct result of the lenders failure to provide accurate information in a timely manner, I have incurred an additional {$150.00} in professional accounting fees to amend my filed return. I have attached the invoice for these fees and am requesting that the lender reimburse me for this unnecessary financial loss. I have attached the original tax form, the amended version reflecting the significant discrepancy in reported interest paid, and the accounting invoice confirming the additional fees incurred.

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 2026-02-25 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently. I am stressed out because this company is violating my rights Under XXXX U.S.C.XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: Block, Inc.
State: CA

Complaint narrative:
Block XXXX XXXX is reporting $ XXXX of fraudulent income to the state of California under my SSN due to identity theft. They are refusing to issue a corrected XXXX, causing a $ XXXX tax assessment. I demand they correct the filing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: LA

Complaint narrative:
Validation of Debt Request - KLARNA - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) XXXX, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation