vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
I am a Georgia resident. Uprova Credit , LLC issued me a loan with an interest rate exceeding 600 %, which I believe violates Georgia usury and consumer protection laws. 
I revoked ACH authorization to prevent further withdrawals, which the company acknowledged in writing. Despite this, they claim interest continues to accrue and that payments remain due.

I believe this loan is illegal, predatory, and unenforceable in my state, and I am requesting that the CFPB review 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 explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I recently reviewed a copy of my consumer credit report and identified a closed account being reported by [ Debt Collector Name ] that originated from a former creditor that no longer operates independently. 

I am disputing the continued access to and use of my consumer credit report by this company. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a company may only access or furnish information to a consumer report for a permissible purpose. 

Given that this account is closed, not actively serviced, and associated with a former creditor, [ Debt Collector Name ] has not demonstrated a valid permissible purpose to : Access my consumer report Continue furnishing this account Maintain this tradeline without verified authority or documentation I have not been provided documentation showing : Legal ownership or assignment of the account Authority to access or use my consumer report A current permissible purpose under the FCRA Continued reporting and use of my credit report without a clearly established permissible purpose raises serious concerns under federal consumer protection law. I am requesting regulatory review of this companys actions related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting a formal complaint against PayPal for improper handling of a billing dispute, failure to enforce consumer disclosure protections, and improper liability assignment related to a disputed transaction. 

On XX/XX/year>, multiple charges totaling {$970.00} were processed through PayPal for services billed by XXXX XXXX These charges were executed through a billing agreement that was created and canceled on the same date. 

The charges were structured as segmented transactions without : - Clear cumulative cost disclosure - Transparent total pricing notification - Real-time consumer confirmation of total financial exposure- Consolidated transaction authorization - Meaningful informed consent to aggregated settlement PayPal classified the transactions as authorized solely based on the existence of a billing agreement, without addressing the core consumer protection issue of disclosure failure and deceptive billing structuring.

Additional issues : - The funding source used for the transactions ( checking account ) was closed - ACH settlement failed - A negative PayPal balance was created - PayPal assigned liability to the consumer despite an active billing dispute - The billing agreement was canceled - The disputed balance has not been isolated pending merchant resolution - PayPal has refused to process this as a billing/service dispute PayPal has improperly limited dispute classification to unauthorized access, mischaracterizing the nature of the complaint and denying appropriate consumer protection review.

This complaint concerns : - Improper dispute categorization - Failure of billing transparency enforcement - Inadequate consumer disclosure protections- Improper liability assignment - Settlement processing after authorization termination - Failure to isolate disputed funds pending merchant resolution I am requesting regulatory review of PayPals billing agreement enforcement practices, dispute handling procedures, and consumer protection compliance. 

Sincerely, XXXX XXXX PayPal Account Holder

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I am actively enrolled at least half-time in an eligible XXXX  program and am therefore requesting in-school deferment under my promissory note. 

My loan servicer has refused to apply in-school deferment and instead claims that I am out of deferment time, while only offering forbearance. The servicer has not identified or cited any provision in my promissory note that caps in-school deferment eligibility. 

I am disputing this determination as a servicing error. I am not requesting forbearance ; I am requesting application of in-school deferment for which I am eligible. 

Default has been represented as imminent despite my active enrollment and dispute. I have provided proof of enrollment and requested an administrative hold while this issue is reviewed. 

I am requesting that the servicer : 1. Review and correctly apply in-school deferment eligibility per my promissory note, or 2. Provide written citation to the specific contractual language that allegedly caps in-school deferment, and 3. Place my account on administrative hold and prevent default or adverse credit reporting during this dispute.

I am requesting CFPB assistance to ensure accurate servicing and compliance with the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is repeatedly refusing to meaningfully investigate my XXXX dispute and is closing/denying the claim at intake based on an asserted 60-day cutoff, rather than reviewing the supporting documentation and the actual discovery timeline. I have provided evidence showing the fraudulent activity and key facts were not reasonably discoverable within 60 days, and that I learned material information later. Despite multiple reconsideration requests, the dispute continues to be bounced back without manual review to determine whether a refund is warranted.

I am requesting Bank of America provide, in writing : ( 1 ) the exact rule/regulation/policy it is applying to deny this claim as over 60 days ( including the section or policy language ) ; ( 2 ) whether the bank is using a deadline measured from the transaction/posting date or from the date of discovery ; ( 3 ) the calculation used in my case; and ( 4 ) confirmation that a full investigation was performed, including production of the dispute file/audit trail and internal decision notes. This ongoing handling is causing financial hardship and requires escalation to a higher-level review team.

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 2026-01-28 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I sent a Debt Validation Demand and I never received a response from the company. 

Credit Collections Service Acct # ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or around XXXX, I lost access to my Citibank debit account and debit card, which contain my own deposited funds. 

I attempted multiple times to restore access through Citibanks website and mobile application. Each attempt to complete identity verification failed with a message stating that the information I entered did not match Citibanks records, despite being correct. 
As a result, my debit card was blocked, and I was unable to access my account or my funds. I am also not receiving verification emails, and I do not have any alternative phone numbers other than the single number already on file with Citibank. 
I contacted Citibank and attempted to resolve the issue, but no functional manual identity verification process was provided. Due to these system and communication failures, I remain completely locked out of my own money. 
I am requesting assistance to have my debit account and debit card unblocked and full access to my funds restored.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I made an authorized peer-to-peer payment of {$300.00} through Chime to a private seller for a XXXX  XXXX XXXX that was represented as new, sealed, and received as a gift. I activated the device and used cellular service normally for approximately XXXX month. 

After about XXXX month, cellular service stopped working. XXXX confirmed the device IMEI is blacklisted for non-payment or fraud tied to the original account, a latent defect that existed prior to the sale and renders the device not fit for its intended purpose. XXXX later approved removal of Activation Lock, confirming the issue was not related to my XXXX XXXX  or account. 

I contacted Chime to request a merchant dispute review and Regulation E review for goods not as described. After escalation to a supervisor ( XXXX, case number XXXX ), I was informed that Chime does not have a dispute process for this situation and can not reverse the payment. I requested a written denial or explanation and was advised this may not be provided. 

I am requesting regulatory review of Chimes refusal to investigate or process a dispute for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CashRepublic Holdings, Inc.
State: AL

Complaint narrative:
I dispute the accuracy and legal reporting of this account. The account reflects inconsistent balances, charge-off dates, and reporting timelines between the original creditor ( XXXX XXXX XXXX XXXX XXXX and the debt buyer ( XXXX XXXX ). 

The Date of First Delinquency appears to be inaccurately reported and/or improperly re-aged. Payment history shows delinquency beginning in early XXXX, yet the account is reported as charged off in XXXX and scheduled to remain on record until XX/XX/XXXX, which is inconsistent with FCRA requirements. 

I requested competent verification, including the original contract, a complete itemized accounting, proof of legal transfer/assignment, and documentation establishing the correct DOFD. No legally sufficient validation was provided. 

Despite this, the account continues to be reported and collected with conflicting balances and dates. Reporting unverifiable or re-aged information violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) ( 1 ), 1681s-2 ( b ), and 1681c ( a ) ( 4 ), as well as the Fair Debt Collection Practices Act, 15 U.S.C. 1692e and 1692f. 

Continued reporting without proper verification constitutes inaccurate and misleading credit reporting.

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 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
Account shows as charged off and paid in 2021. If the account is charged off I did not receive a 1099, if it is paid, why is it showing as charged off?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today I received an Email from XXXX XXXX and XXXX XXXX. The both stated that I have a new hard inquiry on my credit report. I opened XXXX XXXX and observed the inquiry was from XXXX XXXX. I then opened my Capital one app and observed a new account labeled XXXX XXXX was added. I have not applied for this card and did not authorize this account to be opened/ added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
On XX/XX/year>, I sent a wire transfer of {$11000.00} from my SoFi account to purchase gold coins from an online seller. By the end of the same day, I realized the transaction was likely a scam. The seller stopped responding, provided no evidence of shipment, and later removed online information. I also discovered that the seller had stolen photos of the items from other legitimate online sellers. 
I contacted SoFi on XX/XX/year> via chat and by phone to report the fraud and requested cancellation and recovery of the wire. During that initial report, I provided SoFi with detailed evidence, including that the seller had stolen photos from other sellers and that there was no legitimate sales history. SoFi confirmed that a fraud case was opened and provided a ticket number. 
On the morning of XX/XX/year>, I received an update from SoFi stating that they had requested the funds back from the receiving bank due to the transaction being a possible scam. After that message, I received no further updates or communication.

When I followed up with SoFi on XX/XX/year>, I was informed that my original fraud ticket had been closed without my knowledge and categorized as not fraud. I was never notified that the case had been closed. SoFi then opened a new ticket at that time. This mishandling and lack of communication caused critical delay during the time when recovery of funds may have been possible. 
Additionally, on XX/XX/year>, I contacted the receiving bank ( Truist ) directly. XXXX informed me that they had no record of any recall request, fraud notification, or outreach from SoFi regarding this wire transaction. Likely due to the fact that my ticket was closed and my case was mishandled after I reported the fraud the same day the transfer was made. 
I have written chat records documenting that I reported the fraud the same day the wire was sent, that SoFi initially treated it as possible fraud, and that the ticket was later closed without notifying me. I requested information about what actions were taken, why the ticket was closed, and a timeline of SoFis handling of the case, but I have not received a clear explanation beyond that the agent I chatted with and the XXXX on the phone did not classify it correctly. 
I have filed an FBI XXXX report and a police report ( XXXX XXXX Police Department case # XXXX ). I am requesting that SoFi provide a documented timeline of their actions and reconsider reimbursement due to the mishandling of my fraud report and failure to properly process my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Starting on XX/XX/XXXX and later multiple fraudulent charges on my credit card most from a company called XXXX for various amounts. I reported these charges to USAA and was issued a new card and number. Despite reporting these fraudulent charges to USAA and having a new card and number issued; I continued to see the fraudulent charges to XXXX  and other companies after I had already reported the fraud and had the old card cancelled. They have determined thus far XXXX {$50.00} charges for a total of {$100.00} to XXXX  were not fraudulent and I am liable for. Subsequent charges to XXXX  such as XXXX for {$25.00} to the now cancelled card were found fraudulent, but the XXXX {$50.00} charges that started my reporting are somehow not fraudulent and I am liable for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to verify amounts in billing statements prepared by XXXX XXXX XXXX and provide accurate reinstatement quote and total payoff I received billing statement dated XXXX XXXX and prepared by XXXX XXXX XXXX XXXX which does not match Reimbursement quote and total payoff prepared by Servicer XXXX XXXX. 
According to billing statement first page here was {$0.00} payment received from me. On the second page here was the past dues amount which does not match reinstatement quote and XXXX reports. This amount is based on {$180.00} payment for past dues escrow. I never had such escrow amounts. Disclose why XXXX XXXX XXXX prepare inaccurate billing statements if another company claims to be the XXXX. Disclose if XXXX XXXX XXXX is authorized by XXXX and the department XXXX VA to service my transaction. Please disclose the source of data based on which XXXX XXXX XXXX prepare these billing statements. Disclose to which months past dues escrow {$180.00} was applied. Provide me direct contact information for the accountant or bookkeeper who can verify accuracy of all charges and fees. Provide me updated reinstatement quote and updated total payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital is reporting a collection account with an incorrect open date of XXXX. The original delinquency occurred in XXXX. This appears to be illegal re-aging under the Fair Credit Reporting Act. I disputed this with XXXX  and it was verified without correcting the date of first delinquency. I am requesting correction of the delinquency date or deletion of this account. Amount is {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally report a case of suspected fraud and to request your assistance and intervention in accordance with your regulatory oversight responsibilities urgently. 

I am a customer of WISE XXXX On XXXX XXXX, I identified XXXX or more unauthorized and fraudulent transactions on my account totaling XXXX. Despite reporting this matter to the issuer and following their internal dispute resolution process, the issue remains unresolved/ has not been handled satisfactorily. WISE XXXX has deactivated my account after multiple email exchanges when requested a refund and further resolution to be taken given this is internal fraud/crime conducted by WISE XXXX internal staff who manually triggered the authorization payment on behalf of the client without permission. 

The details of the disputed transaction ( s ) are as follows : Date ( s ) of transaction : XXXX XXXX Total Amount ( XXXX ) : XXXX Description/Merchant name : WISE XXXX I believe that the issuer has failed to take adequate measures to protect my account and/or to resolve this matter in a timely and fair manner. I am therefore requesting that the CFPB review this complaint and provide guidance or intervention as deemed appropriate. 

Attached are copies of relevant supporting documents, including accounts manually authorized by the correspondence issuer without my permission, and any dispute reference numbers provided. 

Please let me know if any additional information or documentation is required. I would appreciate confirmation of receipt of this complaint and information regarding the next steps in the review process. 

Thank you for your time and URGENT attention to this matter. 

Yours faithfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fifth 3rd bank. I spoke to the bank on the phone on XX/XX/XXXX at XXXX, XXXX, XXXX  and XXXX. I called and spoke to 3 different people who work at the bank and asked them to close my my checking account. Prior to these calls I spoke to them numerous of other times and they told me I couldnt close my account if it was in the negative. So I fixed my account and was in the positive. From there I called and told them I would like to close my account and they told me I couldnt now as I was XXXX cents in the positive. From that point on I called 3 times on the day of XX/XX/XXXX of XXXX  and still no help and refused to close my checking account for me. Now Im being hit with over draft fees and charges. The phone call was recorded on there end as it was a bank institution! How they consistently refused to close my account is obscured! Now its ruining my credit and putting me more in debt for their actions. The checking account in now negative XXXX and they still refuse to close it.! Please help me!

Company response to consumer: Closed with explanation