vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am a victim of identity theft. My personal information was used fraudulently to open several accounts in my name. I did not authorize these accounts or charges. These accounts have resulted in adverse credit reporting, including charge-offs and collections. I am formally requesting that all fraudulent accounts listed below be blocked or removed from my credit reports under 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ). XXXX Accounts and Adverse Items : XXXX. XXXX. XXXX XXXX - Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - Balance : {$420.00} - Status : Charged-off - Remarks : Account went delinquent and was charged off despite no authorization from me. XXXX. XXXX XXXX - Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - Balance : {$4700.00} - Status : In collections - Remarks : Never opened or used a XXXX XXXX account. XXXX. XXXX. XXXX - Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Charged off and sold - Remarks : I did not open this account. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$110.00} - Status : In collections - Remarks : Purchased account allegedly from XXXX. XXXX XXXX. Unauthorized. XXXX. XXXX. XXXX XXXX XXXX - Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$170.00} - Status : In collections - Remarks : Related to XXXX. Fraudulent. XXXX. XXXX. XXXX XXXX XXXX - Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - Balance : {$230.00} - Status : In collections - Remarks : Never authorized an account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX. Portfolio Recovery Associates - Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$390.00} - Status : In collections - Remarks : Alleged debt from XXXX XXXX. Fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX a fraudulent charges were made on my PayPal account. PayPal FLAGGED them as these charges were at XXXX and made for tickets to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have not only not been to this part of the world but my was extremely pregnant and due in less then XXXX weeks so this would make no sense for me to fly from Minnesota to the XXXX XXXX. I reported a fraudulent transaction through PayPal. PayPal confirmed the transaction was made using a different name, different email, and an IP address located in XXXX. I did not authorize this purchase and did not receive any goods or services. The original payment attempt failed, and PayPal automatically charged a different funding source, specifically their PayPal credit card, without my authorization. PayPal denied my fraud claim multiple times and is now holding me responsible for the charge despite clear indicators of fraud. I am requesting a full reversal of the charge and removal of any associated balance. I reported a fraudulent transaction through PayPal. PayPal confirmed the transaction was made using a different name, different email, and an IP address located in XXXX. I did not authorize this purchase and did not receive any goods or services. I have now gone through the process XXXX times with PayPal and they acknowledge these facts indicate that I did not make these purchases yet they side with trying to make me these payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
1. The exact status of my international money transfer ( Transaction ID : XXXX ) for {$7000.00} sent to XXXX. 2. The exact date my funds would be delivered, as the promised settlement date of XX/XX/year> passed without any delivery or update. 3. An explanation for why my transfer was delayed beyond the stated 1012 business day timeline. 4. Confirmation that my funds are safe and will be delivered. Despite repeatedly contacting the company via their in-app chat and email ( XXXX ) starting from XX/XX/year>, I have received no response whatsoever. The company has no phone support and no live chat option, leaving email as the only contact method, which they have completely ignored for over 5 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am filing this complaint against MOHELA for failure to properly return my federal student loan account to active repayment following my XXXX XXXX bankruptcy discharge in XX/XX/year>. My XXXX XXXX bankruptcy was XXXX in XX/XX/year>. Federal student loan servicers are required to return accounts to active repayment status upon discharge. Despite my discharge, MOHELA has not properly completed this transition. As a result : My account previously displayed an incorrect default status, which has since been partially corrected indicating someone has touched the account but has not completed the necessary updates My account currently shows no payments due and has not been returned to active repayment status I am unable to make qualifying monthly payments toward XXXX XXXX XXXX XXXX ( PSLF ) A PSLF Buyback request I submitted in XX/XX/year> remains stalled as a direct result of this unresolved status I am currently XXXX payments away from XXXX eligibility after years of qualifying public service employment. This servicer error is blocking my ability to complete the program. I submitted a formal complaint to XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, and uploaded my XXXX XXXX discharge documentation as proof. As of today, I have received no response and no corrective action has been completed nearly XXXX months later. I am requesting that MOHELA immediately : XXXX. Complete the transition of my account to active repayment status XXXX. Process my XXXX XXXX ( XXXX ) plan application XXXX. Provide written confirmation of all corrections made XXXX. Ensure my PSLF payment count is accurately reflected going forward

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Subject : Debt Validation Request To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. I am requesting validation of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXX. The name and address of the original creditor XXXX. The total amount of the alleged debt, including a detailed breakdown of any fees, interest, or charges XXXX. Copies of any documents bearing my signature that show I have a legal obligation to pay this debt XXXX. Proof that your company is authorized to collect on this debt XXXX. Documentation showing the chain of ownership if the debt has been sold or transferred Until this information is provided, I request that all collection efforts cease. Additionally, if this debt is being reported to any credit reporting agency, I request that it be marked as disputed. Please note that I do not acknowledge or accept liability for this debt. Failure to provide proper validation may result in further action under applicable consumer protection laws. I request that all future communication be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I noticed Fortiva account was opened when I used my XXXX XXXX Application

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX been charging me {$25.00} a month for my personal checking which used to be free if I kept a certain balance and sneaking it now for over a year and I just noticed and they charge my business banking {$16.00} a month for the account why would anyone bank here when there are plenty of establishments that will pay you to bank with them and not charge you fees?

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 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, my vehicle was involved in an accident and was considered a total loss. I had the vehicle towed to XXXX in XXXX, XXXX so it could be inspected. The at-fault partys insurance company was supposed to assess the damage, but the vehicle remained at the XXXX collision XXXX for approximately XXXX and a half months before it was evaluated. Around late XXXX to early XX/XX/XXXX, I was informed that the insurance company would not cover the repairs, leaving me responsible for the costs or requiring me to go through my own insurance. During this time, the vehicle remained on AutoNations lot, and I was later informed that I would be charged storage and related fees totaling over {$5000.00}, despite the delay not being caused by me. I contacted XXXX to have the vehicle removed, and it was not repossessed at any point. Because the vehicle was totaled, the loan should have been resolved through my XXXX insurance coverage. I contacted XXXX to begin the XXXX claim process ; however, without my authorization, my XXXX insurance policy was canceled. I made multiple attempts to resolve this issue and was informed via email in XX/XX/XXXX that someone would follow up with me to reopen the XXXX claim, but as of XX/XX/XXXX, I have not received any resolution or further communication. As a result, an inaccurate negative account is now affecting my credit report, even though the vehicle was totaled and should have been covered by XXXX insurance. This situation has negatively impacted my ability to obtain a new vehicle. I am requesting that this matter be investigated and that any inaccurate or unverified information related to this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
This complaint is a refile of a previously closed complaint that was not properly addressed. I reported fraudulent and unauthorized transactions on my Cash App account and provided an identity theft report along with proof of my identity and address. The company failed to take timely action to secure my account or prevent further unauthorized activity. I requested a full investigation, including transaction records, authorization details, and identity verification used, but the company did not provide this information. Instead, they issued a generic response referencing a general settlement and closed my complaint without addressing my individual case. As a result, I suffered financial loss, inconvenience, and stress. The company failed to comply with its obligations to properly investigate and resolve unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy FCU is actively participating in XXXX of the following Debit Resequencing / Reordering : often wait until the end of the day to process transactions, allowing them to flip the chronological order to put the largest transaction first. This causes the account to hit a negative balance faster, triggering multiple fees for subsequent small transactions that would have otherwise been covered. or Authorize Positive, Settle Negative ( APSN ) : A specific, controversial type of this practice known as " APSN '' occurs when a bank authorizes a transaction while the account has enough money, but charges an overdraft fee when the transaction settles later on a negative balance. or The " Banking Shuffle '' : This is a colloquial term for the practice of manipulating transaction order to maximize bank revenue, which has resulted in over {$370.00} XXXX in class-action lawsuit recoveries for consumers. They find ways to always create an overdraft. I actively monitor my account, and it will show high available funds, but the overdraft letters are several days later, and never show as a pending transaction like they did once before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX purchased round trip ticket XXXX to XXXX XXXX XXXX to XXXX for {$2700.00} Received a call from XXXX upgrading our economy ticket to premium, Disputed upgrade to premium for reason this cost more, did not know not my Visa Card XXXX Was charged by XXXX XXXX of purchased did not purchased. XXXX {$2000.00} XXXX {$5000.00} and {$2000.00} XXXX reach out to US BANK Visa and disputed charges XXXX credited charges for XXXX and XXXX XXXX US BANK reversed credit and posted a debit for these charges. Called US BANK to explain further and did not accept my dispute.

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 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I have been fighting for over XXXX years now for a {$310.00} refund owed to me by Mohela. In XXXX of 2023, I received an email from Mohela informing me that my account had been placed in an administrative forbearance from XXXX XXXX through XX/XX/year>. Due to the email being sent after the fact, I was not aware of this, and made payments in both XXXX and XXXX XXXX. I was also informed in the letter that any payments made during the administrative forbearance period could be refunded. I got the XXXX XXXX payment back, but never received the one from XX/XX/year>. The last correspondence that I received from Mohela informed me that I could not be refunded the {$310.00} because the only way to refund me would be to reinstate my balance that was forgiven through XXXX. This is ridiculous. Mohela has confirmed that I am due this money, but won't issue the refund because they can't figure out how to do so without reinstating my balance. I filed an appeal MONTHS ago, but have yet to hear back from anyone. Thanks a XXXX for any assistance that you can give with this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Capital One restricted my account due to a XXXX tried pay my credit card for XXXXXXXX XXXX from their XXXX XXXX account XXXX but the money returned to them on Thursday and on that day where I managed to get CapitalOne to give the option to send bank statements to them, but my friend wanted me to give them XXXX $ to receive the needed bank statement to bypass automated mail so their parents won't find out. I have provided my own bank statements and proof of extortion by the XXXX XXXX but Capital One is refusing to unrestrict the account unless I provide a bank statement from the person who is trying to potentially scam me. This is a logical impossibility. I am on a fixed income and this is causing severe financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am not receiving my statement. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I called Synchrony Bank and spoke to XXXX she said that is not in United States and you don't live in XXXX XXXX that is why you are not receiving your statement I live in XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX that is home address. Previously they were sending my statement to 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 2026-04-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed multiple disputes with Chase regarding this fraud and financial exploitation and identity theft. I have requested detail information including XXXX ) a complete Acct XXXX application and all supporting documents. XXXX ) a full transaction, history, including large withdrawals and transfers. XXXX ) details of where funds were sent and deposited. XXXX ) IP logs, devices, information and method of account access and transactions and review any voice recording XXXX ) copies of all communication allegedly sent to me. Next line, I am requesting a full investigation documentation of the account ending in XXXX and XXXX. How was open verified and use. I did not authorize a lot of these transactions, especially the larger ones I may have had some involvement with this account however, I do not recognize or authorize a significant portion of the transactions, including large withdrawals, transfers, and purchases due to my medical issues and my permanent XXXX of this autonomy affecting my memory and capacity during the relevant time. I can not confirm how all activity occurred so XXXX requesting a full verification and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
Huntington 's online banking interface displays XXXX balance figures that are not clearly differentiated. On approximately XX/XX/year>, my account showed an " Account Balance '' of {$340.00} at the top of the screen my actual available funds. However, a secondary column within the transaction history displayed figures as high as approximately {$740.00}. This column is not labeled in a way that clearly distinguishes it from spendable funds, and its visual layout reads as a running usable balance. I nearly made a spending decision based on the higher figure before catching the discrepancy. I was not charged an overdraft fee, but only because I caught the error myself. A customer who acts on the displayed figure and overdraws would be charged {$36.00} per occurrence for trusting information their bank 's own interface presented to them. I am not requesting personal financial remedy. I am requesting the CFPB review whether this display complies with Regulation XXXX and XXXX XXXX disclosure requirements, and whether it constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act. I am asking that Huntington be required to clearly label the difference between settled available funds and pending/held amounts at the point where customers read their balance. Additionally, upon closer review, the misleading " Balance '' column includes a future-dated pending credit specifically a deposit dated XX/XX/year> that had not yet posted incorporated into the running total as if it were already available funds. This means the interface was not merely displaying settled vs. unsettled transactions ambiguously ; it was projecting future income into a visible balance figure with no clear indication that the amount was not yet received, not yet settled, and not yet spendable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: TX

Complaint narrative:
I enrolled in a debt settlement program and paid approximately {$2800.00} between XX/XX/XXXX and XX/XX/XXXX. At enrollment, I disclosed all of my debts, including significant balances with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which together made up the majority of my debts. I was informed these accounts would not be included in the program, yet I was still enrolled and charged monthly fees. This meant that most of my debt was never addressed, making the program ineffective from the beginning. I was instructed to stop paying my creditors and to wait for accounts to go to collections. However, no settlements were ever completed and no payments were made to any creditors. Over time, I requested about settlements and progress and account documents, but was not provided with clear or meaningful information. I later discovered that none of my debts had been resolved and my financial situation has worsened. The account was eventually closed without resolution. I paid for a service that was not performed.

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