vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: NC

Complaint narrative:
My {$250.00} has been held on my XXXX account I received an email saying my account was suspended for unusual activities however I barely use XXXX due to their poor system now I got a payment from a friend and I tried withdrawing my money they didnt let me I was told to wait for 48 hours which I waited for 78 instead before trying to withdraw again and it still wont let me withdraw my money so I waited another 48 hours thats a whole week before trying it until I saw account suspended for unusual activity then I submitted my documents like I was requested to, its been 48 hours I was given 24 hours time frame please help I need my money its an emergency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, a repossession agent acting on behalf of Honda Financial Services entered the gated, private driveway of my residence without consent and positioned a tow truck on my property in preparation for towing a vehicle. 
The driveway is private property and enclosed by fencing and a gate. I immediately informed the repossession agent that he was trespassing and demanded that he leave the premises. Despite my clear objection, the agent refused to leave and remained on my property until XXXX. 
During this interaction, the repossession agent became verbally aggressive and made a derogatory and profane statement toward me, stating on video, youre a poor XXXX. This statement was made while I was lawfully documenting the trespass and photographing identifying information on the tow truck. The agents conduct escalated the situation and constituted a breach of the peace. 
At no point did I consent to the agents presence on my property or to any repossession activity. The agent ultimately left only after remaining on the property for an extended period following my demand that he leave. 
I documented the incident with photographs and video, which accurately reflect the trespass, the attempted repossession, and the agents verbal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ Credit control LLC ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, XXXX ] Dear [ Credit Control LLC ] , I am writing in response to the recent communication 1 received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges.

4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor.

Please note that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations. 
Sincerely. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I recieved a credit card offer in my email for an indigo mastercard through concora credit and it said no fees for the first year and it didnt state what the fees were for the following years. After applying and receiving the credit card. I got a statement saying I had a {$250.00} balance for fees. I tried contacting them a couple times and finally reached someone now that I owe XXXX plus a late fee even though I havent made a single charge. I told them {$250.00} is ridiculous and the 2nd year is even worse. They lied and said it was only {$99.00} for the 2nd year when its actually $ XXXX {$99.00} for the second year. Right before this it says that I can reject the plan if no charges have been made and no fees have been paid. They refuse to take off the fees and cancel the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of unauthorized fraudulent transactions on my account. 

My card was compromised, and I did not authorize the following transactions. I reported the fraud promptly, and Capital One initially issued provisional credits while they conducted an investigation. I was explicitly told the provisional credits would remain during the investigation. 

Despite telling me the investigation is still ongoing, Capital One removed the provisional credits and is now holding the funds for up to 90 days. I have not received a final written determination stating the investigation has concluded or that these charges were authorized. 

The unauthorized transactions include : XX/XX/year> XXXX {$26.00} XX/XX/year> XXXX {$24.00} XX/XX/year> XXXX {$24.00} XX/XX/year> XXXX {$22.00} XX/XX/year> XXXX {$21.00} XX/XX/year> XXXX XXXX  {$18.00} XX/XX/year> XXXX {$78.00} XX/XX/year> XXXX XXXX  {$24.00} XX/XX/year> XXXX XXXX  {$25.00} XX/XX/year> XXXX XXXX  {$21.00} These transactions were not made by me, and I did not have possession of my card at the time. 

Removing provisional credit while the investigation is still open contradicts what I was told and has caused significant financial hardship. I rely on these funds for basic living expenses. 

I am requesting that Capital One reinstate the provisional credit during the ongoing investigation or provide written documentation confirming that the investigation has concluded and explaining the basis for removing the credit. I am also requesting that no fees, interest, or penalties be assessed while this matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
They emailed me offer to turn on auto invest into XXXX  & receive a {$10.00} bonus in XXXX. Auto invest was turned on & they are now refusing to give {$10.00} XXXX bonus. Since they refuse bonus I want to dispute UNAUTHORIZED AUTO INVEST PAYMENTS SINCE THEY EMAILED OFFER WAS SENT TO MY ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was Not informed along with thousands of other low incom Wells Fargo checking account holders that the minimum balance requirements had increased an entire {$500.00} to {$1500.00}. 
I contacted them over the phone for an explanation after seeing a XXXX {$10.00} fee lodged against my account for the months of XX/XX/XXXX and XX/XX/XXXX. The waived the two fees and that is when I was verbally told about the balance requirement increase and that in XXXX there will be another {$10.00} fee if the account available balance is still below {$1500.00}. 
Here XXXX I was charged again while my account balance was between $ XXXX {$1300.00} except it was not a {$10.00}, it was a {$15.00} which again, I was not told this after just speaking with them over the phone previously. 
So not only did they not inform us of the balance requirement increase to {$1500.00}, they also failed to notify me just previously over the phone that the below balance fee had also increased from {$10.00} to {$15.00}. 
After going into the local bank on XX/XX/XXXX to resolve this issue directly, I was told that they can not waive this {$15.00} fee eventhough it is considered an error on their parts, and that all they Can do is happily close my account and do away with me. 
All of this after they know full well that I am on XXXX and is low income. 
After doing my own research, I am not the only XXXX low income Wells Fargo account holder that has been affected by this discriminatory banking practice. 
I left the bank after they submitted a complaint on my behalf because I expressed this exact concern to them and decided to leave my account open until I hear back from one of their leads. 
It is is a total inconvenience for me to have to close my account that I have my utility bills being autopay deducted from. 
They are forcing us poor people to close our accounts by raising the required balance and the below balance fee. This is making us remain in financial hardship not helping. This does not fix overdraft fee problems or whatever else that they will use to justify their greed and discrimination against us poor people. They can not force us to become rich. 
My account has always been in good standing with at least {$1000.00} to maintain the previous requirement and now this? We have never overdraft and was charged over draft fees and now this? Forcing me to give them more money that I don't have so they can earn off of it? Or else " they are Happy to close my account '' as they told me on XX/XX/XXXX? 
I am sick of companies discriminating amd getting away with it im plain sight.

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 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I sent a formal dispute to both Jefferson Capital systems and XXXX XXXX via USPS certified mail, about account # XXXX in which BOTH COMPANIES claim I owe them a debt amounting in {$5700.00}. I formally requested that they provide me with documentation to support their claim. Neither has Jefferson Capital Systems nor XXXX XXXX responded with any of that requested documentation to support their claims. However, XXXX XXXX did forward XXXX letters continuously attempting to collect on the debt. The letters are dated back to XX/XX/year> and XX/XX/year>, at a time Jefferson Capital Systems reported the account to my credit profile. This is unlawful and supporting documents are attached. 

On XX/XX/year>, I uploaded a dispute to XXXX and on XX/XX/year> they responded that this account has been verified and it remains on my credit report. How is it that Jefferson Capital Systems is still reporting this account if clearly XXXX XXXX is trying to collect this same debt. 

As a result of this issue, I have suffered : Financial loss Damage to credit Emotional distress / inconvenience Denial of credit and other services Homelessness

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC
State: AL

Complaint narrative:
RECOVERY ONE is falsely reporting on my credit. I have never had any accounts with them. Per my research RECOVERY ONE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, my Wells Fargo checking account was charged due to a fraudulent check transaction that I did not authorize, sign, deposit, or receive any benefit from.

The check was issued using my name without my permission. I never endorsed the check, did not receive the funds, and did not authorize any third party to deposit or cash it.

I reported this as fraud immediately after discovering the transaction. The resulting overdraft balance of approximately {$2500.00} was entirely caused by this unauthorized check fraud.

Despite disputing the transaction, Wells Fargo closed my account and is now demanding payment for the overdraft, even though the loss resulted from fraud and not from any action on my part. 
Under Regulation E, consumers are not liable for unauthorized transactions. Wells Fargo has not provided me with any proof showing that I authorized or benefited from this transaction.

I am requesting that Wells Fargo remove the overdraft balance, cease all collection activity, correct any reporting to XXXX XXXX XXXX or XXXX, and provide written confirmation that I am not responsible for this fraudulent 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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a dispute to the Wells Fargo Credit Card Company for a delinquent account thats been on my credit for well over XXXX XXXX. I asked them for proof of the validity of their information including balance owed, dates of first and last payment and they continue to deny my request to remove this charge off account. They sold it 3rd party and have not reached out to settle this matter with me in XXXX XXXX!!! This is well over the state law of reporting bad debt for a duration of XXXX XXXX. I respectfully asked for immediate action and removal from XXXX and any other credit agency and they continue to deny me. I called them directly and the manager I spoke to was condescending and almost amused at how negative it has affected my credit for this long.

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Lender who provided loan and used funds to pay debts of their chosen. None of these funds reached any of my bank accounts to be used to pay any of your debt. How is this legal? Wells Fargo has been allowed to close previous complaints without explanation as to how {$65000.00} of overpayment was paid. And a balance of {$120000.00} remains for property purchased for {$60000.00} in 1986.

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Walwick, Inc
State: WA

Complaint narrative:
I'm having an issue with XXXX XXXX XXXX. I owe money, and have my debt with consolidated with XXXX XXXX XXXX. Money is sitting there and they refuse to take money. They are enrolled in my XXXX XXXX XXXX and XXXX XXXX XXXX continues to lie that they have no contact with them. They say I have a judgement against me and haven't been served telling me that where I live is vacant which is a lie, because have sent me a statement before regarding what I owe. I have asked them repeatedly to send me another statement so we can move forward with a payment from XXXX XXXX XXXX. I have funda sitting in there to pay them, but XXXX XXXX XXXX refuses to give a new statement to give to XXXX XXXX XXXX so they can get paid.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has been hindering me and holding me back from applying for real life applications to better myself for my kids, as Im a XXXX  mother of XXXX  with no help or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems is a third-party debt collector that has been reporting an alleged debt on my XXXX  credit report since XX/XX/XXXX. 

I have never received a written validation notice from National Credit Systems as required by 15 U.S.C. 1692g ( a ), despite their ongoing collection activity through credit reporting.

I contacted National Credit Systems by phone to request a physical mailing address so I could submit a written request for debt verification. The collector refused to provide a mailing address and attempted to condition disclosure on providing an email address. 

On XX/XX/XXXX, I independently sent a certified mail request for debt verification to the address associated with National Credit Systems. The letter was returned by USPS as No Address.

I reside in XXXX XXXX.

National Credit Systems is a third-party debt collector, not the original creditor.

I have documentation showing the certified letter was returned as No Address.

As a result, National Credit Systems has : Reported an alleged debt to XXXX  since XX/XX/XXXX Failed to send the required written validation notice Refused to provide a valid mailing address Obstructed my statutory right to dispute and verify the debt Furnishing credit information without providing validation and while preventing written disputes constitutes unfair, deceptive, and abusive debt collection practices under the FDCPA.

I am requesting CFPB intervention to require National Credit Systems to explain how it can lawfully report a debt for years while maintaining no valid consumer mailing address and while denying the consumer a lawful means to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App has withdrawn increment amounts of {$3.00}, {$4.00}, {$5.00} from my acct without my authorization .. honestly, the account became overdraft when a transaction overcharged happened from a grocery store updated my total for an online order .. currently expecting a refund from the store. I attempted to correct with support and they were no help they pretty much acted like I did the transactions but I know they were taking money for the overdraft although I dont have overdraft protection on this acct so transaction should have been declined in the first place for the store

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One has willfully refused to apply the Fair Credit Billing Act ( FCBA ) to my dispute, violating federal law. Despite my clear FCBA claim regarding substandard professional veterinary services, they incorrectly treat it as a " services not received '' claim. Their response dated XX/XX/scrub>XXXX XXXX XXXX, ignores my formal rebuttal and fails to address the FCBA 's " quality of services '' provisions ( 15 U.S.C. 1666 ( i ) ; 12 CFR 1026.13 ( a ) ( 3 ) ). They have provided no legal justification for this omission. I am submitting a formal legal demand for FCBA compliance. This is a new complaint regarding their systemic failure to adhere to federal consumer protection law in their dispute resolution process.

Company response to consumer: Closed with explanation