vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of a fraud dispute involving unauthorized electronic fund transfers from my debit card. 
Between approximately XXXX/XXXX/XXXX  - XX/XX/year>, I was targeted by a sophisticated criminal scheme involving material misrepresentations that fraudulently induced me to initiate multiple transactions to purchase cryptocurrency through XXXX. Most of the disputed transactions were initiated directly from my USAA debit card, while one transaction was funded through XXXX. 

Transactions in Dispute Funding transactions ( all via USAA debit card ) : XX/XX/year> {$920.00} XX/XX/year> {$4700.00} XX/XX/year> {$46.00} XX/XX/year> {$3900.00} XX/XX/year> {$9.00} XX/XX/year> {$3300.00} XXXX : {$13000.00} XXXX transfers executed from XXXX under fraudulent inducement totaled {$12000.00}. 

I reported the fraud promptly after identifying indicators of the scam and provided extensive supporting documentation. Provisional credit was issued ; however, after approximately five weeks, the dispute was closed and the credit reversed. 
I have significant concerns regarding whether the investigation satisfied the reasonable, good-faith standard expected for fraud claims. 

Specifically : The claim was initially classified as a merchant dispute rather than a fraud matter. 
I was informed that an investigator would contact me for follow-up, but no outreach occurred. 
I uploaded more than XXXX pieces of supporting documentation and was later told the evidence was not received. ( There is no box I can upload one file to. I had to spend hours uploading XXXX  documents at a time! ) The dispute was closed without clarification requests or confirmation that the documentation was reviewed. 

The dispute has since been reopened, raising concern that the original determination may have resulted from an incomplete investigation. 

Importantly, XXXX reviewed the transaction funded through its platform, evaluated the underlying data, determined the activity to be unauthorized, ruled in my favor, and issued a full refund within approximately two days. This materially different investigative outcome raises concerns regarding the adequacy and consistency of the prior review. 

Additionally, the reversal of provisional credit is expected to place my account into a substantial negative balance, creating immediate financial hardship while the investigation remains ongoing. 

I am requesting regulatory review to ensure that a thorough and compliant investigation is conducted and that federal consumer protection standards are fully observed.

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 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) generated a collection notice dated XX/XX/XXXX regarding an auto loan. I did not receive this notice until XX/XX/XXXX. 

I did not receive any phone calls from XXXX prior to receiving the written notice, and I had no prior written communication from XXXX regarding this account. 

The last phone contact I received was from the original lender, PNC Bank, on XX/XX/XXXX, after the account had allegedly been transferred for collection. During this time, I was unable to obtain clear information regarding who owned or serviced the account or how payment could be made. 

The XXXX letter claims I owe over {$40000.00}, an amount that does not account for a {$5500.00} warranty credit applied to principal or documented payments made prior to the account leaving the original lenders servicing. The claimed balance is mathematically inconsistent with the original loan amount and known credits. 

Additionally, my credit report reflects a last payment dated XX/XX/XXXX, even though no payment was made on that date and the account had already been reported as closed prior to XX/XX/XXXX. I did not have access to the account at that time and could not have made a payment. 

Upon receipt of the XXXX  notice, I submitted a timely written dispute and request for debt validation. In accordance with the instructions in the notice, I am also submitting my dispute electronically on XX/XX/XXXX via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
Dispute of Fraudulent / Deceptive Charges by XXXX XXXX XXXX XXXX XXXX merchant XXXXXXXX XXXX XXXX  and or XXXX XXXX  for both my Columbia Bank ( XXXX XXXX ) debit card # XXXX and virtual card # XXXX. Erroneous electronic fund transfers Duplicate charges Services not rendered Failure to deliver goods/ services. The merchant was paid by XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Columbia XXXX  XXXX XXXX multiple times for the same transaction 's charges and were duplicate and unnecessary. 

Columbia Bank XXXX XXXXXXXX XXXX XXXX XXXX denial reason ( The Dispute is between you and the merchant '' ) is factually incorrect. 
.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I am requesting regulatory review regarding transactions processed through Crypto.com that were associated with a sophisticated fraud scheme. 
Between approximately XX/XX/year> - XX/XX/year>, I was subjected to material misrepresentations by criminal actors that fraudulently induced me to initiate multiple cryptocurrency purchases. Most of these transactions were funded directly from my debit card, while one transaction was funded through XXXX. 

Transactions in Dispute Funding transactions ( all via XXXX debit card ) : XX/XX/year> {$920.00} ( XXXX Transaction with Crypto.com ) XX/XX/year> {$4700.00} XX/XX/year> {$46.00} XX/XX/year> {$3900.00} XX/XX/year> {$9.00} XX/XX/year> {$3300.00} Total : {$13000.00} XXXX transfers executed from Crypto.com under fraudulent inducement totaled {$12000.00}, sent to : Scammer Wallet Address : XXXX TXIDs : XXXX XXXX XXXX XXXX After identifying indicators of fraud, I acted promptly to report the activity and seek assistance. 

My concerns relate to whether appropriate consumer safeguards, transaction monitoring, and escalation procedures were applied in connection with these transactions. 

Specifically, I am seeking clarification regarding : Whether the transaction activity exhibited characteristics commonly associated with fraud patterns What monitoring controls were in place to detect potentially suspicious behavior Whether additional warnings or intervention protocols were available How my fraud report was evaluated once submitted Importantly, XXXX reviewed the transaction funded through its platform, determined the activity to be unauthorized, ruled in my favor, and issued a full refund within approximately XXXX days. I am requesting regulatory review to better understand whether adequate consumer protection measures were functioning as intended across the transaction chain. 
Given the scale and velocity of the transactions, I am seeking clarity regarding the safeguards designed to identify and respond to potentially fraudulent activity before additional harm occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Auto Trakk, LLC
State: DC

Complaint narrative:
The vehicle was repossessed by the lender on XX/XX/year> due to default. A repossession notice confirms the vehicle was taken and stored by XXXX XXXX XXXX XXXX. I did not voluntarily surrender the vehicle. The account is inaccurately reported as a voluntary repossession. The amount {$92000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MD

Complaint narrative:
a few months ago I had an balance of XXXX from XXXX and I signed up community action partnership which is a company that help with utility bills and etc and I was approved for XXXX to go to XXXX to clear my balance on XX/XX/year> and was told that the process takes about XXXX days to clear and now the balance is clear and the collection agency which is LJ ROSS & ASSOCIATES is still calling me to try and get money out of me and I have told them that I have already settled it so I'm not sure what to do at this point I just wan na fix this issue so it can be removed from my credit asap

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife sent {$1000.00} to a scammer on XXXX XXXX with my Wells Fargo debit card. who went by the name of XXXX XXXX. He claimed to be from XXXX XXXX XXXX XXXX XXXX, and his email is XXXX. Wells Fargo refused to refund this amount despite the fact that I did not authorise this charge. My wife was pregnant and due in a few days, and this scammer was able to get my money just before my daughter was born. 

ATM/Debit/Prepaid Card Claim Reference Number 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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Funds were garnished from bank account without prior knowledge of lawsuit or court precedings.

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am a XXXX veteran, I was on the last two payments of this vehicle. The vehicle company came Monday and conducted a repossession, the letter stated XXXX amount, when I called the company Monday to make a promise to pay the XXXX told me that waiting 3 days would cost {$1000.00} more. I paid {$4000.00} and the statement sent in the mail quoted {$3100.00}. I had to wire transfer those funds. Now the towing company only has an option to set an appointment to pick my vehicle up and the soonest is XX/XX/XXXX. I'm a XXXX veteran, and also I log onto the finance company site and I still have a balance of {$33.00} due on the account. I have itemized billing for the {$3100.00}, but not explanation about the overage which made the balance {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Have several copies of money going in/out of a wallet ( separate account ) XXXX XXXX of my income went into this account and not out! I can not access or obtain these funds over several XXXX thousands in funds that where taken and moved into this account from my debit and savings accounts. My income was around XXXX per year but spending only XXXX missing the other XXXX per year for XXXX years I did not recognize this until the end when I started to asked questions why I never had money and started to investigate current bank app and then stumbled on these finding they will not answer where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
Funds were garnished from bank account without prior knowledge of lawsuit or court precedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit Acceptance Corporation Auto Loan XXXX XXXX XXXX. I am filing this complaint regarding what I believe to be an unfair, abusive, and unaffordable auto loan issued by Credit Acceptance Corporation. I have been making payments on my XXXX XXXX XXXX for approximately XXXX months yet I still owe approximately XXXX until XX/XX/XXXX on the loan. Despite consistent payments the loan balance has barely decreased due to the extremely high interest rate of XXXX % and how payments are applied primarily to interest rather than principal. At the time of purchase the true long term cost of this loan was not clearly explained to me. I did not understand that after years of payments the balance remain so high. This loan structure has caused financial hardship and appears to be designed to keep borrowers in long term debt rather than allow them to reasonably pay down their vehicle. I believe this loan may involve unfair or deceptive lending practices. Lack of clear disclosure regarding the true cost of the loan. An interest rate that is excessive and predatory. A loan structed in a way that prevents meaningful reduction of principal. I previously received a settlement related to Credit Acceptance Corporation, yet my loan balance remains excessively high and unchanged despite years of payments. The settlement did not resolve the underlying issue of excessive interest and an unaffordable loan structure that prevents meaningful reduction of principal. I believe continued enforcement of this loan causes ongoing financial harm and warrants further review and corrective action.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am requesting the closure of my account which currently has a {$0.00} balance and no pending transactions. The bank requires account closure via phone, but when I call, I am placed on hold for an excessive amount of time, preventing me from completing the closure. This has caused undue delay and frustration, as the bank is effectively blocking me from closing my account despite there being no outstanding obligations.

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 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Transform Credit Inc.
State: AZ

Complaint narrative:
Received email about approval for a loan I didnt apply for. Asked for it to be cancelled. Received cancellation notice and asked for phone number associated. No response. 
Received another email from the same company together loans that referenced a loan application I didnt apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed account # XXXX with Caine & Weiner, demanding that they provide me with proof to support the {$190.00} debt they claim I have with their company. On XX/XX/XXXX, Caine & Weiner reported this account had been verified, but to this day this company has failed to provide any documentation or competent information to legally support their claim. Additionally, this situation is really having a negative effect on my livelihood and quality of life. 

Despite my efforts to resolve this matter directly with Caine & Weiner, the issue has not been resolved. The company has failed to respond adequately and continues to engage in the same conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. 

Because no verification was provided within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. 

Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: GA

Complaint narrative:
The problem I'm having with XXXX  is that I created a account and added money to this account that I created the problem is I can not access the money I can not use the money I can not transfer the money I can not pay a bill with the money nor the virtual card that they provide me with every time I try to access my money my account is frozen or suspended I contact customer service I upload all the documents that they require me to do and once I do... It takes weeks to respond back to my complaint and when they do unfreeze or unsuspend my accounts it does the same thing I can not use this account in any shape or form I can not use my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax : It is inaccurately reporting the same/largely similar itemsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as a {$6000.00} collection opened XX/XX/year>. Equifax also lists multiple accounts ( including several XXXX tradelines opened XX/XX/year> ) that may be duplicates or miscoded, and multiple recent inquiries where I need proof of permissible purpose. 

These errors have lowered my scores, harmed my credit opportunities, and cost time and money to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX contacted my sister, a third party, multiple times requesting payment on my account. My sister has her own T-Mobile account and previously shared my last name, but she is not me and has no responsibility for my debt. I never authorized XXXX to discuss my account with any third party. This constitutes improper disclosure of my personal financial information. This account was later sold to a debt buyer and is now being reported without noting the dispute or prior improper handling. I am requesting investigation and correction or removal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to approve my credit and use some of the money that I will get from a personal loan so I checked my rates on experian but they kept showing me loans for % XXXX interest annually. This is the starting rates. I can't stop these companies to get my information but at least they should offer fair options or they should not offer anything at all to destroy my credit or financial well being. Also, I have been trying hard to improve my credit and I have a XXXX score of 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase Bank , N.A . improperly withheld {$160000.00} belonging to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX established in XXXX and a Chase business customer for over 15 years. 
On XX/XX/XXXX, the companys President deposited two checks from his personal XXXX XXXX account totaling {$160000.00} as working capital. Chase froze the funds, blocked the account, and later closed it, citing identity verification concerns, without providing written notice.


The President fully complied with all verification requests, including multiple in-person visits, presenting valid identification, obtaining a phone line in his name, and incurring international travel expenses. Despite verification by branch management, the funds remain frozen. Requested resolution : Immediate return of the {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to access my citi mobile bank account using the mobile app and was blocked from the account. I have a checking & savings account dating back to XXXX. I am a XXXX XXXX and have direct deposit to that account and other funds are also deposited in the account. Their representative would not tell me why they closed the account but said they sent me a letter which I have yet to receive. She said I can not access the funds that are deposited into the account for XXXX days which is unacceptable as I pay my rent and other bills from that account. I believe it is retaliation because I previously filed a complaint when they blocked me from accessing my account. This is the XXXX time in XXXX days they have blocked me from accessing my account.

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