vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 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: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Someone got unauthorized access to my home computer. They hacked into my PayPal account and ordered {$1300.00} XXXX XXXX. I wake up early, so I caught this immediately, since the browsers were still open. I contacted XXXX and XXXX to inform them of unauthorized transaction. The money had not been withdrawn from my account and the item had not shipped at this point. I called them around XXXX on XX/XX/XXXX. The complaint had been dismissed by PayPal within hours, and the item was shipped ( To XXXX!! I live in XXXX, wasnt that sorta a big clue??? ) and my account was charged. When I called them to complain, the XXXX told me he basically couldnt do anything, and his solution was to change the status of my charge to not delivered. XXXX told me its not their problem and to contact PayPal. The thief also attempted to penetrate my XXXX account and my XXXX XXXX Account. Both of these transactions were flagged and blocked. I have reset my passwords on several accounts, switched account numbers and user names, and submitted a police report XXXX, XXXX of XXXX. Then XXXX paused my account because It looks like someone was trying to access your account without your permission. Well yeah, no XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 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: TN

Complaint narrative:
On XX/XX/year>, I contacted XXXX through their Message Center to request ADAcompliant written communication because I can not use the telephone due to an ADAcovered communication limitation. I requested a nonphone method of identity verification, clarification of my negative balance of {$65.00}, and an explanation of deposits that should have applied to the balance. The representative repeatedly told me I must call, even after I disclosed my XXXX limitation. She misclassified my XXXX request as a collections issue and refused to escalate to the XXXX XXXX. When I requested her name and employee ID for XXXX documentation, she immediately ended the chat. XXXX did not provide any of the information I requested. They sent only an automated bot email that did not address my XXXX request, did not explain my balance, and did not provide any human response. XXXX is also withholding deposits that should have applied to the negative balance while simultaneously demanding repayment, which appears to be an improper doublecollection attempt. I am requesting XXXX written communication, a nonphone verification method, a full explanation of my balance and deposits, and correction of the negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Third party debt collector, LVNV Funding LLC and the XXXX Law Firm threatened to sue me for an old XXXX credit card debt past the statue of limitations of 5 years in IL. I understand this is a violation of the FDCPA. 12 C.F.R. 1006.26 ( b ) : A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. The final billing statement with activity from XXXX is dated XX/XX/XXXX. XXXX XXXX XXXX 's threat to sue is dated XX/XX/XXXX ; well over 5 years after the statute of limitations ran out in XXXX on XX/XX/XXXX. I signed the agreement to pay in duress on XX/XX/XXXX given no other legal option, then I paid the total amount of the debt, {$11000.00} that includes interest and their court filing fee. I estimate LVNV Funding LLC paid {$200.00} for the debt from XXXX. I refused to sign XXXX XXXX XXXX 's final dismissal agreement because I will appear in court on XX/XX/XXXX to ask to be reimbursed the unlawful amount collected. XXXX XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MD

Complaint narrative:
CashApp will not allow me to retrieve my funds from my old account. I have my ID, S.S. card and all identifying information that is needed to retrieve my funds from my old account. However, CashApp has this system where they attempt to transfer funds from my old account and if it doesn't work the first time, then you have to wait 24 hours to try the same process again. CashApp can't even override their system to get their customers their money. I have over {$1000.00} in my old account and they won't transfer it to me because they can't " override '' their outdated system. I will be going to court for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: TX

Complaint narrative:
I have filed complaints with the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX ( XXXX ), and the Office of the Attorney General regarding this matter. For well over 120 days, I have repeatedly requested proper validation regarding the following account : XXXX XXXX Account Ending XXXX Collection {$150.00} To date, I have not received the documentation necessary to validate this alleged debt. I have repeatedly requested documentation including : The name and address of the original creditor Documentation proving the debt belongs to me The original account number A complete payment history and account ledger An itemized accounting of the balance being reported Documentation showing how the balance was calculated Proof of assignment or transfer of the debt Documentation establishing XXXX XXXX 's authority to collect the debt Documentation establishing XXXX XXXX 's authority to report the debt to consumer reporting agencies A copy of any agreement bearing my signature, if one exists Documentation showing the date of first delinquency A copy of the initial notice allegedly sent to me and proof of mailing None of this documentation has been provided. If XXXX XXXX intends to claim that my requests were not submitted through the proper channels or that my disputes were not received, I have a simple question : If you claim you never received my repeated requests for validation, what makes you believe I received any notices you claim were sent to me? I have mailed requests. I have disputed the account. I have requested documentation repeatedly. Yet the account continues reporting while the requested validation remains unavailable. At this point, consumers are expected to simply accept collection reporting as accurate without ever being provided the documentation necessary to support it. That is not how consumer protection laws are supposed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: OR

Complaint narrative:
Consumer Complaint Summary Account : GM Financial Account # XXXX Submitted by : XXXX XXXX Nature of Complaint : I am disputing GM Financial 's management of my auto finance account, which has resulted in an artificially manufactured delinquency status. Despite making {$10000.00} in net successful payments, GM Financial failed to apply payments to the oldest outstanding balances first, a standard accounting practice. Key Issues : Unexplained Payment Reversals Two payment reversals were recorded on XX/XX/year> ( {$500.00} ) and XX/XX/year> ( {$990.00} ) with no corresponding NSF fees or banking failures, suggesting possible internal data-entry errors rather than legitimate reversals. Improper Payment Routing Payments were not applied in a manner that cleared the oldest balances first, leading to compounding fees of {$24.00} and an reported 82-day delinquency. Resulting Harm These accounting discrepancies have caused negative credit reporting across XXXX XXXX XXXX XXXX and significant financial and emotional hardship, particularly as I am a XXXX veteran managing diagnosed XXXX. Resolution Sought : Correction of account records and delinquency status Removal of all negative credit reporting tied to this account Full investigation into GM Financial 's payment application and reversal practices Lender License on File : CA Finance Lender License # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint because Capital One charged repeated {$40.00} past due fees on my closed Capital One Platinum Secured credit card account. The account was already closed, and I was trying to resolve what I understood to be a small remaining balance of about {$30.00}. Instead, Capital One charged a {$40.00} past due fee on XX/XX/year>, then charged {$1.00} in interest on XX/XX/year>. Capital One then charged another {$40.00} past due fee on XX/XX/year>, and another {$2.00} interest charge on XX/XX/year>. My balance has now increased to about {$110.00}, mostly because of fees and interest. I called Capital One multiple times to request a review, a one-time courtesy waiver, or an escalation/complaint regarding the late fees. I explained that I have never had a Capital One late fee waived before. I was told they could not waive the fee and could not open a complaint about the late fee. I am disputing these repeated past due fees and related interest charges. I am requesting that Capital One review whether these fees were properly charged, provide a written explanation showing why the {$40.00} fees are valid, remove or refund any improper or excessive fees and interest, and confirm that this disputed balance will not negatively affect my credit report while it is being reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I disputed the alleged XXXX XXXX debt and requested full debt validation. The collector has not provided sufficient documentation proving the debt is accurate, valid, or legally collectible.

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 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Honda Finance Corporation Subject : Credit Reporting Dispute and Request for Investigation Dear Sir or Madam, I am writing to formally dispute information being reported on the above-referenced account and request that American Honda Finance conduct an investigation into the accuracy and completeness of the information furnished to the consumer reporting agencies. I have reviewed my credit reports and identified a reported late payment associated with this account that I believe is inaccurate or does not accurately reflect the circumstances surrounding the account. The account was opened in XX/XX/XXXX and was paid in full and closed in XX/XX/XXXX. During that time, I was involved in an automobile accident, and the vehicle was taken into the possession of the insurance company while an insurance claim was being processed. These circumstances contributed to delays and complications related to the account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this disputed information, review all relevant records, and verify the accuracy of the reporting. If the information can not be verified, or if it is found to be inaccurate, incomplete, or misleading, I request that it be corrected or removed from all credit reporting agencies to which it has been furnished. Please provide me with written confirmation of the results of your investigation, including any corrections, updates, or deletions made as a result of this dispute. Thank you for your prompt attention to this matter. I look forward to receiving your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute BMW Financial Services Repossession Account # XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a repossession associated with my BMW Financial Services account # XXXX that appears on my credit report. The circumstances surrounding this account are unique and, in my view, may not be accurately reflected by the information being reported. During the period leading up to the repossession, I experienced a medical emergency that resulted in hospitalization. Due to my hospitalization, I fell behind on my financial obligations and the account became delinquent. On XX/XX/year>, BMW Financial Services issued a Notice of Acceleration informing me that I had 30 days to cure the default and bring the account current. Based on that notice, I reasonably understood that I had until approximately XX/XX/year>, to make the required payment and avoid further collection action. However, my vehicle was repossessed on XX/XX/year>, only 20 days after the Notice of Acceleration was issued and approximately 10 days before the expiration of the 30-day period provided in the notice. Because the repossession occurred before the stated cure period expired, I am disputing the accuracy and completeness of the information being reported regarding this repossession. I respectfully request that the credit bureau conduct a reasonable investigation into this matter and verify : XXXX. The date the Notice of Acceleration was issued. XXXX. The cure period provided in that notice. XXXX. The date the vehicle was repossessed. XXXX. Whether the repossession occurred before the expiration of the cure period provided to me. XXXX. Whether the information being furnished by BMW Financial Services is accurate, complete, and supported by documentation. If the furnisher can not verify the accuracy of the reporting or if the investigation reveals inaccuracies, inconsistencies, or incomplete information, I request that the account be corrected or removed from my credit file pursuant to the Fair Credit Reporting Act. Please provide written confirmation of the results of your investigation, including the method of verification used and any corrections or updates made to my credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
On or around XX/XX/year>, my auto loan was transferred from the original dealership financing company to the current lender. Since the transfer, the account has shown a past-due balance of approximately {$1100.00}. I have made regular payments of approximately {$410.00} every two weeks and have receipts documenting these payments. On XX/XX/year>, I contacted the lender regarding the past-due balance. During that conversation, a representative acknowledged that the company could see the payments in their system but stated that the account balance would not be updated. Since then, I have requested clarification and correction of the account balance and have provided proof of payment. Despite this, the account continues to show a past-due amount. I was informed that a supervisor would contact me regarding this issue ; however, the call has been delayed, and there has been no further communication from the company. I am requesting a full review of the payment history, correction of the account records, application of all documented payments, removal of any inaccurate past-due amounts, fees, or negative reporting related to this issue, and a direct call from a supervisor to explain the findings and resolution.

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I make a deposit XX/XX/year> in chase bank and they supposed to be put the check in hold 7 business day and after 7 day y try to access to my banking XXXX and they freeze my account they already take the money from the other person who give me the check and idk when they give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Acorns Grow Incorporated
State: NC

Complaint narrative:
Statement of Facts : I am filing a formal consumer protection complaint against Acorns XXXX, XXXX regarding their {$1300.00} referral promotion. I successfully met all promotional criteria by referring 5 individuals who followed the mandatory sign-up and deposit guidelines. My 5th and final referral signed up directly in front of me using my unique tracking link. When the referral failed to register on my dashboard due to an internal system glitch, I contacted Acorns Phone Support. This call took place today, XX/XX/year>, starting at XXXX XXXX, and lasted for approximately 19 minutes. During this recorded call, the Acorns representative explicitly confirmed that they could see my unique referral link attached to my friends profile, but stated they did not know why the automated dashboard was failing to display it. To resolve the tracking issue, the Acorns support agent took the administrative action of deleting my friends newly created account and instructed them to repeat the sign-up process. This action, directed and executed by Acorns staff, permanently broke the system 's tracking metrics. Acorns is now using the resulting tracking failurewhich their own agent causedas a pretext to deny my {$1300.00} payout, claiming the link " wasn't used correctly. '' This constitutes a bait-and-switch marketing practice and a failure to honor advertised financial promotions. Acorns ' internal call recordings from the time stamp provided above will verify that the link was valid and that their support staff manipulated the user account. I demand that Acorns review the call logs from XX/XX/year>, honor the verbal and digital validation provided by their representative, and issue a manual adjustment of {$1300.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, I made a purchase of {$3200.00} using my Wells Fargo credit card ( ending XXXX ) for a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, email XXXX ). At the seller 's direction, I paid through Payoneer ( payment ID XXXX ) to an individual named XXXX XXXX. The merchandise was never delivered and the seller stopped responding. I disputed the charge with XXXX ( case XXXX ) and with Wells Fargo XXXX XXXX Number XXXX ). Wells Fargo closed and declined my dispute on XX/XX/XXXX, on the basis that I had paid for a money-transfer " service '' that was rendered rather than for undelivered goods. This improperly recharacterizes the transaction. The substance was a purchase of physical merchandise that was never shipped. By treating a consumer-goods purchase as a money transfer, Wells Fargo avoided its obligation to investigate and resolve a legitimate dispute for goods not received, and deprived me of my dispute rights as a cardholder. I am requesting that Wells Fargo ( 1 ) re-open and properly investigate this dispute, ( 2 ) provide a written explanation of its investigation and the evidence it relied on, and ( XXXX ) credit the {$3200.00} charge.

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 2026-06-08 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: Benht: Economic Development Corporation
State: IA

Complaint narrative:
On XX/XX/year> I applied for a loan through XXXX XXXX for {$200.00}. They didn't provide a full length copy of the terms and showed a payoff amount of {$200.00} and monthly payments in the amount of {$53.00} which implied the loan should be paid off after four payments. After I had received the loan and had made over 4 payments, I logged into their website and was finally given a list of the terms of the loan. The terms showed an interest rate of XXXX XXXX and a total payment amount of {$1000.00}. The payment shechedule shows a total of XXXX payments in the amount of {$53.00}. I was not provided XXXX of the terms of the loan or the extremely predatory interest rate and pay back amount until after the loan was accepted only providing the info of a pay off amount of {$200.00}.

Company response to consumer: Closed with explanation