vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am submitting this complaint regarding Banco Popular de Puerto Ricos improper handling of fraud, identity theft, and a retaliatory account closure. 

I am not the account holder of the credit card that originated the fraud dispute. I am only an authorized user on a third partys credit card account. Despite this, Banco Popular accessed and relied on my personal deposit account and account history to make determinations related to a credit card dispute that was not mine. 

Two days prior to learning that my account had been closed, I reported my personal debit card ( linked to my deposit account ) as stolen. I notified the bank that fraudulent transactions were still pending and that I would file the corresponding claims once those transactions fully posted, as required by banking procedures. 

While fraud-related matters were still pending and before I was able to submit my claims, Banco Popular closed my personal deposit account without prior notice, blocked my access, and prevented me from completing or submitting fraud claims. I only became aware of the account closure during a call initiated by Banco Populars XXXX  department regarding a separate credit card dispute belonging to a third party. 

Banco Popular has stated that it was within its rights to close my account, yet has failed to provide a clear, documented reason for doing so, particularly given that : I was not the claimant in the credit card dispute. 

The debit card reported stolen belonged to a separate deposit account. 

Fraud and identity theft notifications were active. 

Claims were pending. 

There was no written explanation or supporting evidence provided. 

This account closure appears retaliatory and improperly interfered with my ability to exercise my rights related to fraud and identity theft. Banco Populars actions resulted in loss of access to funds, inability to complete claims, and foreseeable financial and credit harm. 

This is not the first instance in which Banco Popular has mishandled fraud investigations related to my accounts. In a prior CFPB complaint, Banco Popular initially denied fraud claims without evidence and later reversed its decision only after regulatory intervention, demonstrating a pattern of deficient investigation and improper account handling. 

I am requesting that the CFPB review Banco Populars conduct for violations related to improper account closure, failure to conduct a reasonable investigation, retaliation, and mishandling of identity theft and fraud protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, I ordered a XXXX XXXX from XXXX for {$400.00}. 
On XX/XX/year>, the order tracking indicated that the package was delivered, but I did not receive it. I checked with my neighbors and confirmed it was not delivered to anyone in my household. 

I contacted XXXX XXXX support the same day. They offered me XXXX options : a reshipment or a refund. I requested a refund. The support agent confirmed that my refund had been processed successfully under case number XXXX, stating the refund of {$400.00} would be returned to my original payment method within 710 business days. 

I did not receive the refund. On XX/XX/year>, I contacted XXXX XXXX again. They informed me that the refund request had been cancelled and claimed the carrier confirmed delivery. They also stated that no replacement or refund could be processed and instructed me to contact law enforcement. 

I filed a dispute with Chime for the {$400.00}, which was denied, even though I never received the item and the merchant promised a refund. I am seeking a resolution so that the charge is reversed and I am refunded the full {$400.00} Under XXXX  rules and federal consumer protections ( Truth in Lending Act and Fair Credit Billing Act ), a cardholder has the right to dispute charges when goods or services are not received, and a merchant fails to honor a promised refund. The denial of my dispute by Chime did not take into account the merchants promise and the fact that I never received the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
To Klarna Customer Service / Escalations Department, I am writing to formally escalate a persistent issue regarding my account. Despite returning items from meechants including XXXX and XXXX XXXX and providing clear proof of returns, Klarna has failed to adjust my payment plans. 

This situation is unacceptable. I have fulfilled my obligations as a consumer, yet I am still being billed for merchandise that is no longer in my possession. My previous attempts to resolve this via standard support channels have been unsuccessful, and I am incredibly frustrated by the lack of accountability. 


The details of the dispute are as follows : * Order Number : XXXXXXXX XXXX Date of Return : XX/XX/year> * Disputed Amount : {$360.00} * Order Number : XXXXXXXX XXXX  Date of Return : XXXX * Disputed Amount : {$280.00} I have attached the official return receipts and confirmations to this email as undeniable proof that the items were received by the merchants. 

I am demanding the following actions within 3 business days : * Immediate cancellation of all remaining payment installments for these returned items. 
* A full refund of any payments already captured for the returned goods. 
* Written confirmation that my account is in good standing and that no negative reports will be made to credit bureaus regarding these disputed charges. 

I expect this to be resolved immediately to avoid further escalation. Please confirm receipt of this email and provide a timeline for the adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
I have been trying to log into my account, however have been unable to do so, I have called and chatted numerous times and been told numerous different reasons. I am still unable to log on. I did some research and discovered that they are having technical issues ( this has been going on since XX/XX/XXXX ). It is not posted or conveyed at any point. I am unsure if this is accurate, however the company can not provide me with any solution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Original Transaction ( s ) : Dispute Case ID : XXXX Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$1200.00} USD Dispute Amount : {$1200.00} USD Complaint Description : I am submitting this complaint regarding an unauthorized transaction on my XXXX  account that XXXX  has denied despite clear evidence of account compromise. 

My account and original email address were hacked, and I lost access to my XXXX  account for several months. The disputed transaction occurred on XX/XX/XXXX, during the period when I did not have access to my account. I did not authorize this transaction and did not receive the funds. 

I was only able to regain access to my XXXX  account on XX/XX/XXXX, with the assistance of XXXX  XXXX. As soon as I reviewed my activity and discovered the unauthorized transaction, I immediately filed a dispute. 

I have provided XXXX  with supporting documentation, including : My government-issued ID A selfie holding my ID My bank statement from XX/XX/XXXX Evidence that my account and email were compromised Proof that I could not access my account until XX/XX/XXXX Despite this, XXXX  denied my claim, citing internal device or account data, without addressing the documented account takeover and my lack of access at the time of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My checking account with usaa was restricted by the bank on XX/XX/year>, as part of a bank-initiated account closure. As a result of the restriction, a scheduled mortgage payment did not process and the funds were returned to my account. There is no fraud claim, dispute, or legal hold associated with these funds. Despite the funds being returned and available, I was informed that the balance would not be released for up to 60 days. I am not disputing the account closure. I am disputing the improper withholding of my available funds and am requesting immediate release of the balance or issuance of a check.

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 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: CT

Complaint narrative:
XXXX has been acting in bad faith to the homeowners

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 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a large amount of deferred interest added to my Comenity credit card account. My balance increased from {$11000.00} to {$24000.00} after the promotional no interest if paid in full period ended. 

I made every payment on time and was actively paying down the balance. The promotional expiration date was not made clear or noticeable on my monthly statements, and I did not receive any separate warning before the interest was added. 

The amount of deferred interest addedover $ XXXX excessive and unmanageable. I contacted Comenity and requested a Deferred Interest Adjustment or a partial courtesy reduction, since I have a good payment history. However, they declined to provide any assistance.

I also wrote a letter two weeks ago to Corporate and have yet to hear back. 

I am requesting that Comenity review this charge and provide a reasonable adjustment or reversal of the deferred interest. I am attempting to resolve this matter in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im on a joint account with my son at navy federal it was a XXXX  account hes had it since he was XXXX I opened it thinking I will be removed automatically once he hits XXXX being he can make his own decisions and manage his money I noticed I was still on it not to much thinking nothing of it my son now owes which I seen it on my mobile app whatever happened Im not sure i called to have myself remove so I dont have to deal because atp thats his business his mess up they told me to fill out a form and I could just remove myself I did and they told me I couldnt being he has a unpaid balance so not fair they snatched my money out my personal account which was XXXX which wasnt enough to cover what he still owes and Im thinking hows that possible from my personal savings to the joint account they are separate accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I had two loans and somehow they signed me up for a third loan telling me I had to pay it and I never sent my signature electronically at all. Doing fraud on my account which I didnt give them permission at all.

{$260.00} {$210.00} and the unexpected loan for {$5000.00} I didnt request for and now its a charged off loan i want removed from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I'm having a problem with Chase Bank. I deposited some checks via mobile, one in my husband 's name and another in his friend 's name. They closed my account because they think it's fraud. I've gone to the bank several times and called many times, but they haven't resolved anything. They say they can't verify their phone numbers and that they can't do anything until they verify that they are speaking with the people who own the checks. My husband and his friend even had to buy new phones and get new lines in their names, and even then, the bank still can't verify them. I have the document that certifies that the new phones and lines are under their names ( my husband and his friend ), and still, they haven't resolved anything. The service is truly terrible. They both have identification with them, my husband and I have things in our names, and even that's not enough for them. It's a real headache, very bad service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
COMPANY : XXXX  XXXX XXXX XXXX. 


ISSUE : Unlawful detention of XXXX  funds using systematic obstruction tactics TIMELINE : XX/XX/year> - Deposited {$45.00} USD, purchased XXXX XX/XX/year> - Deposits marked " Complete '' XX/XX/year> - Attempted withdrawal to external wallet, BLOCKED claiming " computer required '' ( mobile worked fine for deposits ) XX/XX/year> - Password mysteriously failed during withdrawal attempt, forced into account recovery requiring extreme verification ( selfie + ID + handwritten code + date in single photo ) XX/XX/year> - Account restricted until XX/XX/XXXX citing " recent recovery '' that THEY forced XX/XX/year> - Contacted support, received conflicting excuses : " API issue, '' " wallet merge requirement. '' Support admitted " wallet merge '' was NEW requirement not disclosed when I deposited XX/XX/XXXX, XXXX XXXX  - Attempted withdrawal again, STILL BLOCKED with same restriction XX/XX/XXXX, evening - Sent formal legal demand threatening regulatory complaints and lawsuit XX/XX/XXXX, XXXX XXXX  - Account suddenly " unfrozen '' within hours of legal threat, withdrawal successful VIOLATIONS : Gemini advertises " instant access '' but systematically blocks withdrawals while accepting deposits easily. Mobile platform works perfectly for deposits but " requires computer '' for withdrawals. Password failure occurred precisely when attempting withdrawal. Support gave multiple false technical excuses before admitting requirements changed AFTER I deposited. Only released funds when threatened with legal action, proving restrictions were arbitrary and punitive, not security-based. 

HARM : XXXX days without access to funds, XXXX hours wasted dealing with manufactured obstacles, emotional distress, only resolved through legal threats. Pattern suggests systematic practice affecting many customers. 

EVIDENCE : Filed NYDFS complaint XXXX. Have screenshots of all transactions, withdrawal failures, support admissions of changed requirements, and capitulation email after legal threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AUTO MARKET OF FLORIDA, CORP
State: WI

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting of an auto loan by XXXX XXXX of Florida. The account is reported as Voluntarily Surrendered / Never Late, which is contradictory and inaccurate. Additionally, the voluntary surrender is reported repeatedly every month from XX/XX/XXXX through XX/XX/XXXX, improperly extending the negative impact of a single event. The remaining balance of {$7000.00} is not verifiable, as no documentation has been provided showing vehicle disposition, auction proceeds, or how the balance was calculated. I previously disputed this account with XXXX, and it remained unchanged, indicating a failure to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. I am requesting correction or deletion of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation