vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, a debit card transaction of {$470.00} was made for event tickets via the merchant, XXXX. The event was scheduled to begin at XXXX XXXX on the same day. Upon arrival at the venue at XXXX XXXX, I was denied entry. Box office management spent 15 minutes searching their enterprise ticketing database and explicitly confirmed the ticket assets provided by the merchant did not exist, and the provided digital barcode was completely inapplicable and invalid ( as evidenced by a screen capture taken at XXXX XXXX while still locked out of the venue ). At XXXX XXXX and XXXX XXXXmore than 40 minutes after the event commencedthe merchant sent two written notices via email explicitly admitting fault. The merchant stated in writing that the tickets " were incorrectly uploaded by the seller, '' " are no longer valid, '' and " will not gain you entry to the venue! ". At XXXX XXXX, the merchant provided a second set of replacement tickets, which also failed to scan at the gate. At XXXXXXXX XXXXan hour and a half after the event started and after it had effectively concludedthe merchant finally delivered an alternative digital ticket file. Because the event was over, the asset was entirely useless, resulting in a complete non-delivery of the purchased services. A dispute was filed with Capital One for " Services Not Received. '' On XX/XX/year>, Capital One summarily denied the dispute. Capital One failed to conduct a reasonable, good-faith investigation into the dispute. They did not request my timestamped evidence prior to closing the case, nor did they account for the merchant 's explicit written admission of failure to deliver the service in time for use. Capital One is unlawfully permitting a merchant to retain funds for a completely unfulfilled service, and they are withholding the merchant documentation used to justify their denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
I bank with current and I took an insta cash from XXXX that is supposed to be paid from another account but they tried to charge the current account instead and they did charge XXXX in XX/XX/XXXX I tried to call and stop it and I was informed to wait until its not pending anymore. After few days I found out that XXXX never received the funds and the money was already pulled from my current account and now I called XXXX and they confirmed that they never received the payment and current they block my number and refuse to help in the chat and they wont put money back in my account and didnt pay XXXX now I lost XXXX from my current account and Im behind on paying it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX ( associated with Rosebud Lending ) for explicit violations of the Fair Debt Collection Practices Act ( FDCPA ) regarding illegal workplace harassment and failure to cease contact.On Thursday, XX/XX/year>, a representative from this company called my place of employment. During that phone call, I explicitly and clearly informed the representative that they are not authorized to contact my workplace and that my employer strictly prohibits personal financial communications.Despite having direct knowledge of this restriction, the same representative ( identifying themselves as XXXX XXXX ) sent me an email today, Friday, XX/XX/year>, for Account ID : XXXX. The email explicitly states : " Please also be aware we may be contacting your employer for verification of the employment information on file. " Using threats of workplace contact to embarrass, pressure, or intimidate a consumer after being explicitly told to stop is a direct violation of federal law.I have since responded to their email with a formal, written Cease and Desist demand ordering them to stop all communications with me, my family, and my workplace. I have saved screenshots of their written threat and my response as evidence. I request that the CFPB investigate this predatory entity for illegal collection tactics and harassment.

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 2026-05-29 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: NY

Complaint narrative:
On Tuesday XX/XX/XXXX, I had put up items to sell on XXXX, I had received a message that someone wanted to buy the clothes so I continued the chat with them and I had never used the app so I got sent a link in the chat what was like XXXX official site but it turns out it wasnt. So I had just fell for a phishing scam and I told Cash App that I didnt not authorize this transaction of {$260.00}. They denied my dispute request 2 times and Im upset because this was not approved by me at all. I didnt know that I was falling into a phishing scam since the website looked like XXXX site and I put in my card details and they purchased something with my card information. I sent a text to the company where my card had been used and they told me to let my bank know but Cash App still refused my dispute even when I provided image proof and more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I have been unable to access my Upstart loan dashboard for over a year due to a system issue that has never been resolved. Despite multiple attempts to obtain assistance, including several support tickets, repeated phone calls, and an escalation sent on XX/XX/year>, I have not received any acknowledgment or update from Support, Operations, Compliance, or Executive Resolutions. Upstart has continued to withdraw my monthly payments, but I can not view my loan balance, payment history, payoff amount, or any account details. I have been sent temporary login links that did not resolve the issue, and no department has provided a timeline or explanation. I submitted a follow-up on XX/XX/year>, and still received no response. I am requesting the CFPBs assistance in obtaining access to my account information and ensuring that Upstart addresses this long-standing system failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: North American Credit Services
State: NJ

Complaint narrative:
I get called daily from North American credit services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation, complete chain of assignment and transfer. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2026, I received a txt message at XXXX regarding suspicious activity on my ATM Debit Card. At this time I was asleep. On XX/XX/XXXX at XXXX I read the txt and at XXXX I called USAA to advise that it was fraudulent and I immediately cancelled my ATM Debit Card and again told them it was unauthorized. I also called XXXX two times to advise the same, at XXXX and XXXX. USAA temporarily placed the funds, {$940.00}, back into my account pending investigation. After their first investigation I received a denial letter which I responded to asking to reopen their investigation, they denied it again. I had investigated into this and found that a person by the name of XXXX XXXX was the guest name on the booking, I have no relations with this person and that he in fact stayed at the booked hotel in XXXX! I do not understand why neither USAA or XXXX took action on the XXXX, when this booking was for the XXXX to the XXXX?? The use of my ATM/Debit card was unauthorized, someone gained access to my information, I did not give it to anyone and the card was in my possession. I find that USAA is not protecting me under the Reg E and or EFTA. I have had no benefit from this and did not authorize this transaction.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens Bank claims I made a purchase on XXXX2026 at a vendor in XXXX Airport for the amount of {$29.00}. I reported the fraudulent charge as soon as it appeared in my account on XXXX/2026 via the Citizens Bank mobile app. A few days later they responded with a letter stating that because I had the debit card in my possession at the time of the transaction, their investigation has concluded that the purchase was legitimate and that they have concluded the investigation stating that they will not refund me my {$29.00}. They also elected to cancel my debit card and send me a new one. I responded via phone requesting proof of the investigation, and also asking if they contacted the vendor for video proof or a copy of the receipt for the items purchased. XXXX Airport has many cameras and I would imagine there would be video proof of me entering the establishment that claims I made a purchase and they would be able to produce proof very easily. They responded that they will perform a second investigation. The results of that investigation were sent to me today and the response is the same as the first notice stating that because I had the debit card in my possession at the time of the transaction, their investigation has concluded that the purchase was legitimate. My suspicion is that Citizens Bank failed to respond to me request in a timely manner ( even though I reported it within 24 hours of the fraud ) and because of the ineptitude of the people that work there, they did not reverse the transaction within the 3 day window for reversing these transactions ( as many banks promptly do ). Because they failed to do so, the bank knows it is responsible for returning the {$29.00} to me and they refuse to do so. I have been a customer of Citizens Bank since 2019. For them to respond so poorly during this fraud occurrence has convinced me that I need to move my business away from them as soon as possible. Very poor customer service. There is no public email to send communication concerns and customer service on the phone can not assist as there seems to be a wall between customer service and the bank operations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
The debt appeared on my credit in XX/XX/year>. Ability Recovery Services LLC., Today XX/XX/XXXX, I noticed it and contacted the collection agency where the proceeded to gather information from me and then told me they couldnt tell me where the debt originated unless I paid a fee first. Of course I declined because I already know this is NOT my debt

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: HI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am filing a formal complaint regarding my account with Charles Schwab. My account has been placed under review/restriction without a clear explanation or a final resolution timeline. As a result, I currently do not have full access to my funds or normal account functions. Account details : * Account Holder : XXXX XXXX XXXX XXXX * Account Number : XXXXXXXX XXXX Case Number : XXXXXXXX XXXX Complaint Number : XXXX I am filing this complaint due to an ongoing issue with my Charles Schwab account being repeatedly restricted without clear explanation or resolution. My situation began after receiving a higher-than-usual insurance payment from XXXX XXXX. Shortly after that deposit, my account was flagged and I began experiencing repeated restrictions and disruptions. I attempted to make outgoing transfers of my own funds, but the account was restricted again and treated as suspicious activity. I have contacted the bank multiple times to resolve the issue. I have verified my identity, including providing token-based authentication, and have confirmed all requested personal information. Despite this, my account has been repeatedly locked and reviewed without resolution. On multiple occasions, I was instructed to submit documentation by fax, which I did, including proof of insurance payment, passport, drivers license, Social Security information, and other requested documents. I later resent the documents after being told they were not located. I have been attempting to resolve this issue for over a week. My account contains approximately {$10000.00}, and I currently have no reliable access to my funds. This is causing significant disruption during my travel, as I am abroad and often in areas with limited connectivity, which makes communication with the bank more difficult. In addition, I have experienced inconsistent communication from support representatives, including lack of case or reference numbers and repeated transfers between agents without resolution or escalation. I am requesting : 1. Immediate restoration of access to my account, or a clear explanation of the restriction status 2. A full written explanation of the reason for the repeated account freezes 3. Confirmation that all submitted documents have been received and reviewed 4. Escalation of this case to a compliance or fraud review supervisor This situation has caused significant disruption and I am unable to access my own funds while traveling. I am requesting a formal resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am filing this complaint because Santander Bank, XXXX. is preventing me from accessing or paying a credit-card account that I owe money on. I do not currently have the physical credit card or full account number. I also can not access the account online. When I try to log in, Santanders system tells me to call customer service. When I call customer service and provide identifying information, including my Social Security number and other available information, I am told I must visit a branch to verify my identity. This creates a closed loop where I am trying to pay the debt but Santander will not provide a usable payment path or remote identity-verification process. I am concerned that interest, fees, and/or negative credit reporting may continue even though I am actively attempting to pay. I need Santander to immediately provide a way to verify my identity, recover the account information needed to pay, and accept payment. I also request that Santander waive or reverse any late fees, interest, or negative credit reporting that resulted from its failure to provide a reasonable way for me to access or pay the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I reported my PayPal debit card as lost/fraud because it was linked to a compromised XXXX XXXX account. I have an open CFPB complaint against XXXX XXXX ( XXXX ) for this matter. PayPal issued a replacement card. XXXX XXXX is now attempting charges on the new card as well. I have clearly and repeatedly asked PayPal for a merchant-level block on XXXX XXXX so they can not charge my PayPal account or any linked cards. PayPal support ( XXXX ) has refused to apply a merchant block and keeps offering to cancel the current card and issue yet another new one. This is not a solution. PayPal has failed to protect my account from ongoing unauthorized attempts by a known compromised merchant after I reported it as fraud. I am not asking for a refund. I am only asking for basic protection : a merchant-level block on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

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 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
Describing themselves as XXXX or XXXX to take money from me for over a year or more. I have been with them since XXXX. They always say my card has been compromised and block it, and I need a new card. Today XX/XX/XXXX. XXXX XXXX to XXXX XXXX XXXX dollars was took as soon as my money was deposited. XX/XX/XXXX they blocked my account because I started transferring my money to XXXX XXXX so they could not take it, but it didn't work they still took unauthorized money out my account. This has been happening for over a year or more. I would like my money back. I feel this is an inside job. Please help me asap.

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 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hi, my name is XXXX XXXX. I have an account with PayPal and I barely use the account. I only use the account to receive payments from my job or from my business. I still close on XXXX and I also buy stuff with XXXX and like XXXX do like little surveys here and there and Ill use PayPal to pay for that recently today I had a dispute with XXXX after I bought a XXXX and it was not as described and XXXX told me to file a dispute with PayPal Ive felt dispute with PayPal before I think Ive felt like XXXX disputes in total with like other stuff like whenever something happened. My disputes have only been for XXXX XXXX because those are the only ones where like their services so if I have a situation with it, Im always like totaled to dispute with my bank, which was PayPal and I guess they use like a XXXX algorithm and like they bend my account or like they permanently limited it and theyre not giving me a chance to appeal the case because I think my account was flat mistakenly and I would love to like prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> i received a letter from Chase dated XX/XX/year> stating that they update accounts monthly. More specifically, my account is updated the XXXX of every month. Since final payment was received the XXXX of XXXX, I will have waited XXXX months for my account to be updated properly. If it were not for me commencing another cfpb complaint, there wouldnt be any updates on my accounts. According to FCRA 15 U.S. Code 1681i, you dont have 5 months to correct an account error. You have XXXX days. Chase has continuously deflected the mishandling of my accounts to save face. Current communication letters treat the issue as if it just arose when it has just been recognized despite me calling every month to ensure the status is cleared. If Chase followed the protocols and policies it states it has, I would not be filing numerous complaints XXXX months after settlement. This account should have been removed once they realized payment was received. Any longer delays are impermissible under federal law.

Company response to consumer: Closed with explanation