vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I am filing a complaint regarding USAA Federal Savings Banks handling of debit-card disputes involving XXXX and XXXX App transactions on XXXX checking accounts. 

USAA issued provisional credits during the investigation and later reversed those credits, leaving me owing approximately {$3500.00} across both accounts. However, I did not receive written notice of the investigation results or notice that the provisional credits would be reversed, either before or at the time of reversal, as required under the Electronic Fund Transfer Act and Regulation XXXX. 

In addition, both checking accounts were suspended without prior written notice or explanation. I was not provided documentation supporting the dispute denial, nor an explanation for the account suspensions. 

I am requesting that USAA : XXXX. Provide written investigation results for each disputed transaction XXXX. Provide documentation relied upon in denying the disputes XXXX. Explain the basis for suspending both checking accounts XXXX Review whether proper notice requirements under Regulation XXXX were met I am not refusing to address any valid balance, but I am disputing the banks failure to follow required notice and due-process procedures.

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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I am a XXXX veteran with a XXXXXXXX XXXX XXXX in default. Most of my education was covered by the XXXX XXXX, leaving a small remaining balance ( {$2100.00} ) which was initially handled by XXXX XXXX XXXX and then XXXX. I set up autopay and paid a majority of the loan, the remaining balance which is in default is {$680.00}. 

During COVID-era servicing transitions and deferment while I attended a different college, my loan was transferred and my autopay was canceled without my authorization. I did not receive notice of the servicer transfer, the autopay cancelation or the missed payments. 

The loan was subsequently transferred to Debt Management and Collection Services ( DMCS ). I contacted DMCS on XX/XX/year> and spoke to a supervisor named XXXX ( ID # XXXX ). I was clear that I was not refusing to pay the balance, but that I wanted an administrative review to correct the inaccurate credit reporting for a loan that was sent to collections due to incorrect actions by servicer ( s ). DMCS reported they are unable to conduct an administrative review and only offered repayment methods. DMCS stated that " administrative recall '' must be initiated by the prior servicer ( XXXX  ). However, I contacted XXXX and spoke to XXXX on XX/XX/year>, and was told that the prior servicer ( XXXX  ) has confirmed that it no longer owns or services the loan and has no authority to recall or modify it. 

I am now trapped in a circular denial where no entity will review or correct the loans administrative status, despite servicing failures. 

Inaccurate delinquency/default reporting has appeared on my credit report for a loan that should not have entered collections. 
I have made good-faith efforts to resolve this, but DMCS will only discuss repayment and refuses administrative review, while the prior servicer confirms it can not act. 
The credit damage is disproportionate to the debt and caused by administrative error, not borrower neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft involving unauthorized XXXX transfers connected to my Bank of America and XXXX accounts. These transfers constitute unauthorized electronic fund transfers under Regulation E ( 12 CFR Part 1005 ). As a result of this activity, my accounts were restricted and closed without my knowledge or consent. 

On or around XXXX, I discovered that I no longer had access to my accounts after attempting to use them. I did not initiate, authorize, or benefit from any XXXX transfers, account changes, or account closure requests, and I did not receive advance notice that my accounts would be closed. 

Upon discovering the issue, I took immediate action. On XXXX, I went in person to a XXXX branch with valid government-issued photo identification to report identity theft and unauthorized XXXX activity XXXX I verified my identity and explicitly stated that the XXXX transfers were unauthorized electronic fund transfers under Regulation E. I was informed that my account had already been closed due to suspected fraud. 

On XXXX, I also went in person to a Bank of America branch with valid government-issued photo identification to report the same unauthorized XXXX activity and identity theft. I again verified my identity and stated that I did not authorize any XXXX transfers or account actions. Despite this, my account had already been closed without my knowledge. 

The unauthorized electronic fund transfers resulted in loss of access to my accounts and funds. The approximate amounts affected include $ [ amount ] associated with XXXX and $ [ amount ] associated with Bank of America. Exact transaction details can be provided upon request. 

At no point did I authorize the XXXX transfers, account misuse, or account closures. I acted promptly upon discovering the unauthorized activity, reported the identity theft in person, and fully cooperated with both financial institutions. 

Under Regulation E, consumers are not liable for unauthorized electronic fund transfers, and financial institutions are required to conduct a good-faith investigation and provide provisional credit where applicable. I am requesting that Bank of America, XXXX, and XXXX conduct a full investigation, correct any inaccurate records, reimburse all funds lost due to unauthorized XXXX transfers, and ensure that I am not held responsible for fraudulent activity I did not commit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
CFPB COMPLAINT PNC BANK Product : Credit Card Issue : Autopay termination, undisclosed account changes, inaccurate credit reporting I had an active PNC credit card account with a balance that was enrolled in autopay, which had functioned properly for an extended period. The card was scheduled to expire, and I reasonably expected that any routine replacement card would not affect my existing payment arrangements. 

When PNC issued the replacement card, I was not informed that PNC would issue a new account number or that my existing balance would be transferred to a different account. I was also not informed that my existing autopay authorization would be terminated or that re-enrollment would be required to avoid delinquency. 

As part of this issuer-initiated process, PNC unilaterally XXXX my existing autopay without my authorization. I did not revoke autopay and had no knowledge that the balance had been moved to a new account number to which my existing payment instructions no longer applied. 

PNC later stated that a notice was included inside the replacement card mailing. However, no clear, conspicuous, or separate advance notice was provided explaining that a new account number had been created, that the balance had been transferred, that autopay would be canceled, or that failure to take action would result in a missed payment. No electronic alert, prominent warning, or grace period was provided prior to adverse credit reporting. 

As a direct result of PNCs internal account changes and lack of effective notice, an unintended payment failure occurred and was reported as XXXX days late. This reporting materially damaged my credit and caused downstream harm, including reductions to my available credit by other lenders. 

I previously disputed the late payment, and PNC verified the reporting. However, the delinquency was caused by issuer-initiated account changes that were not reasonably disclosed and not by consumer inaction. Reporting this delinquency as late is therefore inaccurate and unfair. 

I am requesting removal of the late payment from all credit bureaus, written confirmation of correction, and remediation for issuer-caused harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: Albert Corporation
State: MD

Complaint narrative:
I am trying to close an account, it requires a {$0.00} balance, it will not transfer less than {$10.00}, also as well interest accrued comes to {$.00} which would leave a balance higher than {$0.00}, thus i can not close my account.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. My bank accounts with Chase and Bank of America were closed without my knowledge or consent. 

I first became aware of the issue on or around [ date ] when I attempted to access my accounts and discovered they had been restricted and/or closed. I did not request these closures and was not notified in advance. 

After discovering this, I immediately took action. On XXXX I went in person to a Chase branch with my government-issued photo ID to report that I am a victim of identity theft and to verify my identity. I was informed that my account had been closed due to suspected fraudulent activity that I did not initiate. I followed all instructions provided by the bank and cooperated fully. 

On [ date ], I also went in person to a Bank of America branch with my government-issued photo ID to report the identity theft and unauthorized activity. I informed the bank that I did not authorize any fraudulent transactions or account changes. Despite this, my account had already been closed without my knowledge. 

The fraudulent activity resulted in account closures and loss of access to my funds. The affected amounts include approximately {$2500.00} in my Chase account and $ [ XXXX ] in my Bank of America account ( exact figures can be provided upon request ). 

At no point did I authorize fraudulent transactions, account misuse, or account closures. I have taken reasonable and immediate steps to report the identity theft, verify my identity in person, and resolve the issue directly with both banks. 

I am requesting that these companies properly investigate the identity theft, correct any records inaccurately associated with me, restore access to my funds where applicable, and ensure that I am not held responsible for fraudulent activity I did not commit. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I attempted to use by XXXX XXXX XXXX XXXX XXXX now backed by XXXX XXXX  ) and the card was declined. There was a sufficient amount of credit on the card. The sales associate then asked to see my driver 's license and entered it into the system. The charge was still declined. I then called the number on the back of the card to reach the credit department. I was transferred to the security department of XXXX XXXX. They told me that they suspected fraudulent activity on my account and asked me to verify my personal information, which I did. I replied that I just looked at the account and did not see any fraudulent activity and asked why they would not call me if that kind of activity was suspected. I asked what kind of fraudulent activity they suspected and they told me that they could not tell me. They told me that I could not use the card and had to email them a copy of my driver 's license, front & back, and a copy of a utility bill. This is the email that the security person gave me and where I sent my information : XXXX. I waited a couple of weeks and then called them. The person I spoke to stated that my information had been received and it was still being processed. I asked the person how hard was it to verify identity, especially from an account that I have had for years. On XX/XX/XXXX, I received a letter from XXXX XXXX  that stated that my account had been permanently closed due to receiving incomplete or missing documents and that I am still required to pay any existing balances. I made another call to the number on the back of my card, XXXX at XXXX XXXX  XXXX. Once I was transferred to the security department and asked them what exactly I was missing as I submitted what was requested. The representative told me that that information was not visual on my account and that they could close the account for any reason that they want. She also told me that the account can not be reopened and I could reapply if I wanted to. The next day, I received an alert from a credit monitoring system that my credit score had decreased due to an account being closed. When I opened this account, I was managed by XXXX XXXX bank. The XXXX XXXX XXXX accounts were sold to XXXX XXXX  in XXXX. My account has never been in default and I have never experienced any fraudulent activity on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
On XX/XX/year> at about XXXXXXXX XXXX, I went to purchase in order with the option of Pay in 4 with PayPal on the XXXX clothing website. 
I clearly chose this option and even saw the usual price installment breakdown, but then the site passed the checkout part ( Where I would approve ) and finished checkout process on its own, capturing the full amount of order.

I did not Arthorize this option. To be clean, the final step of authorizing ( accepting ) via checkout, never happened. That was done by site. Not me. Why would I choose the Pay in 4 option, only to be billed for the whole amount?

According to the internet this is a common occurrence with PayPal ( there were class action lawsuits and complaints here on CFPB ) and it clearly has not resolved so who is governing these events? 

I immediately canceled the order within a minute of realizing what happened. ( XXXX ) I contacted PayPal by phone to which they told me that the payment had already been taken out and that I had to contact the vendor. When I contacted the vendor they told me the opposite, that I had to contact PayPal. This is horrible unethical consumer practice. Why wouldn't I be able to cancel an order that was falsely made. I have pay in for payments that are active right now with PayPal that I have no problem taking care of and a good history with credit with PayPal.

I will file a different complaint with the vendor as well since they lied about canceling order and then shipped it anyway leaving the burden of dealing with this inn and time consuming situation on me. They didn't cancel the order and my bank put a stop pay on PayPal ( because they protect their customers ) and now PayPal has me in a negative balance status for the {$210.00} that I did not approve of. Because they're too busy driving consumers.into immediate dept with no option to cancel. 
The whole thing could have been prevented if they made the transaction legally, Canceled and communicated with XXXX that they made a mistake, gave me the option to do Pay in 4 or let XXXX know I canceled and both parties confirm canceled order. 

This was a forced transaction through AI most likely and handled horribly by whatever customer care if even human, I'm both ends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: GA

Complaint narrative:
I sell clothes and a unsatisfied customer in XXXX named XXXX XXXX started spamming disputes, and for some unknown reason cash app didn't notice or stop this. Cash app has refunded this spiteful customer multiple orders from XXXX leading in to XXXX, leaving me with a negitive balance damaging my business. I need to dispute these disputes. These were fair exchanges and I need Cash app to reimburse me and this customer XXXX XXXX Banned for spamming disputes and for Unfair Refunding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Netspend Corporation
State: MN

Complaint narrative:
On XX/XX/year> I had received and email stating my PIN number for my bank card was changed. On Friday XX/XX/year> I had received XXXX emails that the PIN number on my card had changed. I had called the bank, took FOREVER to be able to speak to someone. After getting through, I had taken the steps with the representative and I had asked him, Is my account being hacked & I hope my account is not being hacked. He stated to me that my account was not being hacked. Then last night, on XX/XX/year> Im sleeping and received an email saying that my PIN number was changed on my bank card and had received XXXX text messages saying that my paycheck was transferred from my savings into my checking account & then taken from my checking account and sent to XXXX XXXX I couldnt even log into my account through the bank app to lock my card/account because my credentials had been changed as well. I am BEYOND livid as that was my whole paycheck & now I have absolutely no money for bills.

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 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
My Cash App account was permanently closed for " fraud '' immediately after creation. I appealed the decision, but the appeal was denied without explanation. I did not engage in any fraudulent activity and had minimal, normal use of the account. Cash App has not provided specific reasons or evidence for the closure, nor a meaningful review. I am requesting a proper review and explanation of the account shutdown. XX/XX/year> is when it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
Dear Madam / Sir I am submitting this complaint because Citibank claims to have mailed a Notice to Call ( NTC ) on XX/XX/2025, but I never received the letter and Citibank has not provided any proof of mailing. Citibanks XX/XX/2025 response states there is no tracking information available. 

Timeline & facts : I provided a notarized affidavit from a U.S. Consular Officer verifying my identity and address in XX/XX/2025 and completed KYC procedures thereafter. Despite this, my account remains blocked for more than XXXX years. 

On XX/XX/2025, I wrote to Citis Executive Response Unit requesting ( XXXX ) a full copy of the alleged XX/XX/XXXX XXXX letter and ( 2 ) any proof of mailing or delivery attempts. I explained that the notarized consular affidavit should satisfy identity/address verification and asked for clarification why the block continues. 

I received no substantive reply to my XX/XX/XXXX email and followed up on XX/XX/2025. I reminded Citi that they have used secure e-mail channels previously for KYC and requested they use the same secure channel to share the letter or documents. Citi has not responded to these emails. This prolonged blockwithout proof of mailing, a lawful justification, or meaningful communicationhas deprived me of access to my funds
and caused financial hardship. Citibanks statement that the matter is resolved is premature given my outstanding requests and lack of evidence. 

Contact information : XXXX XXXX XXXX  Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief