vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: NC

Complaint narrative:
I am filing this complaint regarding PayPals decision to permanently limit my account without providing a meaningful explanation or identifying a specific policy violation. My PayPal account activity primarily involved small-volume hobby and collectible transactions, including coins and related items. I was not operating a large commercial business, engaging in fraud, or knowingly violating PayPal policies. Throughout my use of PayPal, I never had buyer complaints filed against me as a seller, never had chargebacks filed against me, and never had refunds forced against me through PayPals dispute system. My online reputation and transaction history have otherwise been positive. I did occasionally file disputes as a buyer when sellers failed to ship items, failed to respond, or when I needed to use PayPals buyer protection services for legitimate unresolved transactions. I believed this was the intended purpose of PayPals protection system and did not understand that using those protections appropriately could result in a permanent account limitation. After my account was permanently limited, I repeatedly attempted to obtain clarification regarding the reason for the limitation. However, I only received generic automated responses referencing possible high-risk or fraudulent activity without any meaningful explanation or identification of a specific violation. I also submitted a complaint through the Better Business Bureau and sent formal requests for manual review to PayPals executive escalation contacts, but I still have not received a meaningful response explaining why my account was permanently restricted. At this point, I am genuinely confused and concerned because I do not know what specific activity supposedly triggered such a severe action. I am respectfully requesting a fair manual review of my account history and a clear explanation of the reason for the permanent limitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
There is a fraudulent set of transactions occurring on my BestBuy Citi card in the beginning of the year XXXX. I have not made any transactions on this card whatsoever since XXXX, and I have paid that balance in full for the purchase made in XXXX. When looking on their website to dispute the transactions, there is no mention of what the transactions are for or what date they occurred on. Additionally, when looking at the statements for this card, each time I open it from the website, it says a different amount each time for the balance ( around {$400.00} on one statement, and {$170.00} on the other ). There is also no way to dispute these transactions on the website as the transactions aren't listed when selecting the " Dispute a Charge '' option. These transactions appear to be entirely fraudulent/fabricated, and they are beginning to impact my credit score significantly. There is also no apparent option to cancel the card either on the website, and the customer service number repeatedly calls my phone number throughout the day, often with conflicting and entirely inaccurate information each time.

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 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
Aldous Associates has reported a XXXX dollar XXXX XXXX collection to my credit report since XX/XX/year>. I have disputed this account since XX/XX/year> exceeding the 45 day FCRA investigation limit. They have never provided debt validation documentation. This constitutes false representation and illegal credit damage under FCRA 1681i and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
Complaint Against Morgan Stanley Private Bank, N.A. I am filing this complaint regarding the unlawful restriction of my funds by Morgan Stanley Private Bank, N.A. following the deposit of a legitimate U.S. Treasury ( IRS ) refund check. Morgan Stanley has frozen my account and is refusing to release my funds, claiming they require verification from the IRS before making the funds available. They have further suggested that I request the IRS to recall and reissue the check. This instruction is inaccurate and misleading. The IRS does not recall or reissue refund checks that have already been successfully deposited and are not lost, stolen, destroyed, or expired. Therefore, Morgan Stanley is effectively placing an impossible condition on the release of my funds. The bank has not provided : - Any evidence that the check is invalid - Any documentation showing they have contacted the IRS - Any legal basis requiring IRS verification after a U.S. Treasury check has been accepted for deposit - Any timeline for resolution Additionally, Morgan Stanley has cited internal policy and discretion to restrict my account and even terminate the banking relationship, while continuing to hold my funds indefinitely. This conduct raises serious concerns, including : - Unreasonable and indefinite restriction of customer funds- Failure to provide a clear or actionable resolution path - Misrepresentation of IRS procedures - Potential violation of consumer protection and fair banking practices Requested Resolution : I am demanding that Morgan Stanley Private Bank, N.A. : 1. Immediately release my funds, or 2. Provide documented proof of a legitimate and verifiable issue with the check, including confirmation of any investigation with the IRS, and 3. Provide a clear and enforceable timeline for resolution, and 4. If they refuse to release the funds, return the funds to the issuing agency ( U.S. Treasury ) themselves rather than directing me to pursue an action that is not available to me If these actions are not taken promptly, I request further regulatory review of Morgan Stanleys practices regarding deposit holds and account restrictions. I am prepared to escalate this matter further if necessary. Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year> Professional Debt Mediation, INC. ( PDM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Certified Mail, Return Receipt Requested Account / Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX RE : NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern, I am writing this letter in response to your attempts to collect an alleged debt associated with the account number listed above. This letter constitutes a formal dispute of the validity, accuracy, and existence of this alleged debt. To date, your company has failed to provide any tangible, verifiable proof whatsoever that I owe this debt, that you have the legal right to collect it, or that the amount claimed is accurate. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide competent, legally binding evidence to validate this alleged debt. Do not simply send a computer printout of a balance or an invoice you generated yourselves. I require substantial verification, including but not limited to : 1. A complete copy of the original contract or agreement bearing my signature, authorizing this debt. 2. An itemized statement of the account from day one, detailing all principal, interest, fees, and payments made, showing exactly how you calculated the alleged balance. 3. Legal proof of the chain of custody proving that your agency has the lawful assignment, purchase, or authority to collect this specific debt. 4. Your agencys license and registration numbers to legally collect debts in my state. Furthermore, be advised that you are in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Under the FCRA, you are legally obligated to report only 100 % accurate information to the credit bureaus. Reporting an unverified, unsubstantiated debt constitutes a willful violation of federal law. If this account is currently being reported on my credit profile, or if you report it while it is under formal dispute without verifying it first, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State 's Attorney General for violations of both the FDCPA and FCRA. Cease and Desist : You are hereby ordered to cease all phone calls to my home, workplace, or mobile device. All future communications regarding this matter must be conducted strictly in writing via the United States Postal Service. If you fail to provide the requested validation within thirty ( 30 ) days of receiving this notice, you must immediately cease all collection efforts, delete any derogatory trade lines you have placed on my credit reports, and close this file permanently. I expect your prompt compliance. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Created an installment loan for an item with Affirm and upon receiving the item it wasnt the right one so I filed a dispute since the merchant didnt want to refund me. I provided all evidence and in just 2-3hrs affirm came up with the decision that they ruled in the merchants favor after I provided proof and proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this complaint regarding the permanent closure of my banking relationship with JPMorgan Chase. I was the victim of fraud involving my account and did not engage in fraudulent activity. Despite this, my account was closed and I was informed the decision was permanent. I requested documentation or clarification regarding the reason for this decision but was told no information would be provided. My XXXX and XXXX XXXX XXXX consumer reports are currently clean, and there is no indication of fraud or account abuse reported on those systems. I am requesting a formal review of this decision, clarification of whether any internal fraud designation exists, and correction of any inaccurate information if present. I am also requesting reconsideration of the permanent relationship termination in light of the fact that I was the victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am disputing a rental debt that is inaccurate, unvalidated, and being improperly collected by Hunter Warfield on behalf of XXXX XXXX XXXX XXXX. I moved out of the property in XXXX XXXX and surrendered possession. The property manager confirmed in writing that they accepted possession and that the unit was re-rented o nXXXX XXXX XXXX Despite this, I was charged rent and utilities for months after I moved out. The property manager provided multiple inconsistent balances, 1. {$14000.00} 2. XXXX XXXXXXXX {$12000.00} 3. {$7500.00} 4. {$1700.00} ( after they " consulted '' with their attorney These amounts contradict each other and contradict the ledger they provided. I requested information and documentation from the property manager, they responded but the information was inconsistent, incomplete, and did not explain the charges. I also requested validation from Hunter Warfield. They have not provided proper validation and continued to attempt to collect debt. The property manager also confirmed in writing that the account was sent to collections and that they can not accept payments or make adjustments. I believe that the debt is inaccurate, overstated, and not legally collectible. I am requesting CFPB assistance to have the account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint against JPMorgan Chase regarding a severe and ongoing security vulnerability with my co-branded XXXX XXXX credit card account, which has recently escalated into an identity theft threat. Over a sustained period, I have had to request four separate replacement credit cards from Chase due to immediate, unauthorized fraudulent activity. In every instance, the newly issued, " clean '' credit cards were compromised and targeted for fraud immediately upon activationbefore the physical cards were ever used at any merchant or stored in an online platform. This pattern strongly demonstrates that the account data is leaking systematically from within Chase 's internal systems, its card issuance pipeline, or through an undisclosed breach involving its co-branded marketing partners. The situation escalated dangerously on XX/XX/year>. I received a highly sophisticated phishing phone call from an individual claiming to be a representative from the Chase Fraud Department, alerting me to a fraudulent {$1000.00} charge in XXXX ( which I confirmed with Chase was entirely fictional ). When I questioned the caller 's identity and refused to provide verification details, the scammer aggressively read aloud my correct, full Social Security Number and full Date of Birth to convince me they were a legitimate Chase employee. While the malicious caller did not succeed in stealing money during this interaction, the fact remains that bad actors launching a targeted " Chase Bank '' impersonation scam are operating with full possession of my SSN, DOB, and specific knowledge of my active credit relationship with Chase. Standard replacement of the physical plastic card has completely failed to secure this account four times in a row. Because my sensitive non-public personal information ( NPPI ) has been exposed and weaponized by scammers specifically leveraging my Chase account status, I am demanding that Chase escalate this file to a Senior Fraud Analyst. I request that Chase conduct a thorough internal privacy audit to determine how my SSN became linked to this compromised account profile, permanently sever any automated merchant update links associated with this credit line, and provide a formal, written explanation of their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed inaccurate credit reporting by Equifax related to an alleged rental debt furnished by XXXX XXXX XXXX XXXX connected to XXXX XXXX. My dispute concerned whether reliable proof existed establishing that I personally signed or authorized an agreement making me financially responsible for the alleged debt being reported. I repeatedly disputed the account and explained that : I was an occupant rather than a financially liable leaseholder I never personally signed or authorized the alleged lease obligation the records being relied upon did not reliably establish contractual liability I also explained that my dispute was not about whether I lived at the property, but whether reliable proof existed showing that I personally assumed contractual financial responsibility for the debt being reported. Equifax later deleted the disputed account after reinvestigation around XX/XX/year>. Importantly, Equifax deleted the account before receiving additional XXXX related information that was later discussed with other parties. This is significant because it suggests the dispute evidence already provided may have been sufficient to raise serious concerns regarding the accuracy or verifiability of the reporting. The reason for this complaint is not that Equifax failed to delete the account. The account was deleted. Instead, I am requesting records and clarification regarding the reinvestigation and deletion process because other companies and consumer reporting agencies continued verifying or reporting the same account despite receiving substantially similar dispute information. I requested reinvestigation, method of verification, proof of contractual liability, supporting documentation, and investigation details regarding how the account was verified and later deleted. I am seeking preservation of records and clarification regarding the basis for the deletion decision. The account has since been deleted as of XX/XX/year>. I am primarily requesting records, verification history, reinvestigation records, and confirmation that the account will not be reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo checking account on XX/XX/year> under a promotional offer for a {$400.00} bonus requiring qualifying direct deposits. The promotion stated that I needed to receive at least {$1000.00} in direct deposits to qualify for the bonus. After opening the account, I received three separate deposits totaling approximately {$2500.00}. In my Wells Fargo transaction history, these deposits were categorized as Direct Deposits, which led me to reasonably believe that I had satisfied the promotional requirements. However, after approximately 99 days, I still did not receive the {$400.00} bonus. When I contacted Wells Fargo customer service, I was informed that I did not qualify for the promotion, but I was not provided with a clear explanation regarding which requirement was allegedly not met or why deposits labeled by Wells Fargo as Direct Deposits were not accepted. Based on the promotion terms and the way these transactions were categorized within my account, I believe I reasonably met the stated requirements for the {$400.00} promotional bonus. I am requesting that Wells Fargo conduct a detailed review of my account activity, provide a written explanation for the denial, and honor the advertised {$400.00} bonus if the requirements were met.

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 2026-05-20 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
There was a fraudulent charge on my credit card. It was on XX/XX/year>, from a company called XXXX XXXX for {$740.00}. I did not authorize or sign for any work or service from this company. I don't even have a lawn so there's nothing they could provide according to their name. I contacted them and they said there was nothing they could do. I have contacted Chase every month since then and they have refused to credit the amount back. According to their own card holder agreement I am not responsible for fraudulent un-authorized charges. There has been no proof to show that this was authorized or any signature by me. Only me name and address which is of public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have about 8 credit cards from american Express. These are personal and business credit cards. All the cards were suddently cancelled. I am not able to get the reasons from the customer service. when I called the customer service, I was transferred between the departments and no response at the end. I am not able to login to the online accounts. Not sure what happened to all my reward points that I earned in the past 20 - 25 years. Please refer the attached screenshot, I am getting the same message online when I tried to access my account. No proper explanation. I tried to access several times on different days. The error message is misleading. Very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I have a Robinhood XXXX XXXX XXXX. I am paying an annual fee of {$50.00} for the privilege of this account. Robinhood has arbitrarily placed a security hold on my account multiple times in the past month because of transaction attempts I made they declined that are valid attempted transactions made by me. I have verified my identity twice, explained the nature of the transactions and stated in writing that there is no current or attempted fraudulent transactions, and my account has still been frozen under review for almost two weeks. After being frozen earlier in the month. I am being robbed by Robinhood because I am paying an annual fee for a credit card I can not use during the annual fee period.

Company response to consumer: Closed with explanation