vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Bank of China USA
State: NY

Complaint narrative:
I am filing this formal complaint against the Bank of China XXXX XXXX Branch due to a severe breach of my financial privacy and ongoing disruptive practices regarding my account management. Privacy Breach : On XX/XX/year>, the bank disclosed my sensitive, non-public personal financial and transaction data to a third party without my prior consent or authorization. This unauthorized disclosure is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and demonstrates a critical failure in the bank 's data security protocols. Excessive Account Scrutiny : In addition to mishandling my private data, the bank continuously subjects my account to excessive, repetitive, and unjustified KYC ( Know Your Customer ) inquiries for normal, routine transactions. This frequent freezing and questioning severely disrupts my ability to manage my personal finances and constitutes poor consumer treatment. As an independent legal entity, I am deeply concerned about both the security of my data and the bank 's hostile account management practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX I initiated payment though PayPal business for a bicycle, for {$1200.00}. I contacted the seller for shipping which they said they would do days later. I then got a shipping confirmation showing a shipment from XXXX, Nevada to XXXX, New Jersey showing a XXXX box. For reference the bike was supposedly coming from Idaho, and I live in XXXX XXXX Utah. XXXX the original website I made contact with the seller thru labeled the seller a verified scammer only after he was reported for trying the same scam on multiple other parties, that designation was not their during our initial conversations. I immediately filed a complaint with PayPal, I subsequently filed a complaint with XXXX XXXX who I believe is the bank of PayPal. After filing complaint with XXXX PayPal said they could no longer help me and investigation had to go through XXXX, PayPal refused to help Previosuly when I have had trouble with a XXXX XXXX or XXXX, I have been sent a link to upload information, XXXX never sent me that. On XX/XX/XXXX I called to check on status and they said they sent me an email, I asked to confirm my email address, which they did, and looked at the dates they said they sent it, there was nothing in my mailbox or spam folder. I told them this. I asked them to send again which they said they did and still nothing was sent. I asked to speak to an investigation agent like I had at other banks, they said they would not speak with me directly. I asked them to send another letter, they did not. They said I could print the images I would upload and fax them to them, which I did. At no point did XXXX make an active attempt to find evidence on my end, they simply said the seller showed a tracking number, which is apparently all they needed to close the case. The tracking number shows a shipment to another state! XXXX took no interest in actually investigating and lied about sending me email and sending me mail correspondence and offered no possible way to give information to investigators other than faxing information which does not allow me to verify that it was sent or received. The correct resolution to this case is a refund of my {$1200.00} when they offer PayPal purchase protection. PayPal offers financial protection but if all a fraudster has to do is provide literally any tracking number then it provides not protection, any amount of critical thinking would show the tracking number was not possible accurate for the transaction that was supposed to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XX/XX/year>, I returned my leased vehicle to XXXX XXXX XXXX and fulfilled all obligations associated with the account. The account was subsequently closed in XX/XX/year>. Despite this, Kia Finance reported a 3059 day late payment on the account after the vehicle had already been returned and while the account was in the process of being closed. This late payment is inaccurate and appears to be the result of internal processing delays, not any failure on my part. My payment history reflects consistent on-time payments, and this account should be reported as Paid, Closed/Never Late. However, the inaccurate reporting has caused a significant drop in my credit score ( approximately XXXX points ). This error has had real and immediate impact, as it occurred during an active home and auto financing process. Additionally, as this is a joint account, the inaccurate reporting also affects my spouse, whose role requires maintaining strong financial standing and professional compliance. I have already disputed this issue with the credit bureaus, and I have contacted Kia Finance directly. However, I have been instructed to submit a mailed dispute, which unnecessarily delays resolution of an issue caused by the companys reporting error. I am requesting that Kia Finance : * Remove the inaccurately reported late payment from all credit bureaus ( XXXX, XXXX, XXXX ) * Correct the account to reflect accurate payment history * Provide written confirmation once the correction has been completed This matter is time-sensitive and should be corrected promptly.

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 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint to request access to recordings and/or transcripts of telephone calls with Citi regarding my account and prior disputes previously submitted through the CFPB. This request relates to my previously closed CFPB Complaint No. XXXX and my follow-up CFPB Complaint No. XXXX regarding the same matter. Citis prior responses did not address the core issue involving what was communicated to me during multiple phone calls with customer service representatives. During several lengthy calls with Citi, important representations were made regarding a possible resolution of the account balance. Later, there was a dispute regarding what had been promised or communicated during those calls. I respectfully request the preservation and production of recordings and/or transcripts, including but not limited to the following calls made from my personally owned phone number ( XXXX ) XXXX : XX/XX/year> at XXXX XXXX ( 10 minutes ) XX/XX/year> at XXXX XXXX ( 12 minutes ) XX/XX/year> at XXXX XXXX ( 4 minutes ) XX/XX/year> at XXXX XXXX ( 47 minutes ) XX/XX/year> at XXXX XXXX ( 1 hour 5 minutes ) When I requested access to these records through customer service, I was told that I would need to mail a physical letter to a PO Box and wait, with no clear timeline and no reasonable digital alternative. I consider that process unnecessarily burdensome and unreasonable, especially since these records are directly relevant to an active consumer dispute involving my own account. I am not requesting a financial benefit in this complaint. I am requesting transparency and reasonable access to records of communications concerning my own account. I respectfully request : Immediate preservation of all relevant call recordings Production of available recordings and/or transcripts A clear and reasonable process for obtaining these records Written confirmation identifying which calls have been preserved

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I am an Oregon resident with an open-end line of credit through XXXX XXXX XXXX XXXX XXXX , serviced by XXXX ( Account # XXXX ). The effective APR on this account is approximately 106 %, which far exceeds Oregon 's legal interest rate cap of 36 %. I believe this is an illegal rent-a-bank arrangement in which XXXX is the true lender, not XXXXXXXX XXXX XXXX XXXX XXXX . XXXX controls all aspects of this account including servicing, customer communications, collections, and account management. XXXX XXXX XXXX XXXX XXXX, a Kentucky state-chartered bank, appears to be used solely to claim federal preemption of Oregon 's consumer lending laws a practice I believe constitutes an illegal evasion of Oregon state law. In XX/XX/XXXX I sent a written dispute letter to XXXX asserting these violations and requesting the account be closed with a {$0.00} balance. I followed up in XX/XX/XXXX requesting settlement options. I received absolutely no response to either communication. XXXX has now announced they are exiting Oregon entirely by XX/XX/XXXX, citing recent Oregon legislative changes specifically HB 4116, which closes the federal preemption loophole this lending structure relied upon. This exit confirms that this lending structure was incompatible with Oregon consumer protection law. In XXXX alone I have paid {$1400.00} in fees on this account. My current balance is {$4400.00} with a minimum payment of {$540.00} per billing cycle. I borrowed against this line of credit over several years and have paid far more in fees than I originally borrowed. I am requesting the CFPB investigate whether this loan violates Oregon consumer lending laws and federal consumer protection statutes, and take appropriate action against both XXXX XXXX XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
A debt originally from XXXX XXXX XXXX is being reported on my credit by Radius Global Solutions that I do not owe. The address associated with this account is incorrect, and I did not live at that location. I requested verification of this debt, including proof that it belongs to me, but the company did not provide sufficient documentation. Please investigate and remove this inaccurate 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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern On XX/XX/year>, I visited Chase Bank in XXXX, CA to deposit {$230000.00} into a 2 month CD account. The funds were from a check payable to myself XXXX XXXX, drawn from XXXX XXXX XXXX XXXX. I was assisted by teller XXXX XXXX ( cashbox # XXXX ). After returning home, I reviewed my account and discovered that the funds had not been deposited into my account ( ending in XXXX ). Instead, transaction # 29 dated XX/XX/year> reflects that the deposit was incorrectly made into account ending in XXXX. I promptly returned to the branch the following day to report and correct the error. Despite my immediate action and multiple follow ups over the past week, this matter remains unresolved. I have consistently been told that the issue is being worked on, but no resolution has been provided. This situation is extremely concerning. The amount in question {$230000.00} is substantial, and it is unacceptable that such an error has not been corrected after more than seven business days. Additionally, I expect to be credited for any dividend or interest accruals from XX/XX/year>, as these funds should have been properly deposited on that date. I am very disappointed with the level of service I have received, especially given that this error was caused by your institution. If this issue is not resolved promptly, I will have no choice but to reconsider my relationship with your bank. I am requesting the following : Immediate correction of the deposit into my account Credit for any lost dividend/interest accruals since XX/XX/year> Direct communication confirming resolution Please resolve this matter within 24 hours and contact me directly at XXXX with an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to file an urgent formal complaint regarding checking account ending in XXXX and the misinformation provided by Wells Fargo staff that has resulted in my funds being withheld. Background : About 10 years ago, I granted my sister, XXXX XXXX, Power of Attorney on account ending in XXXX for emergency access only. The Issue : I received a notice from Wells Fargo stating that XXXX XXXX must present her ID to update the system by XX/XX/year>, or the account ending in XXXX would be closed and funds transferred to my Prime Checking account with a one-day delay. XXXX XXXX resides in XXXX, XXXX and could not appear in person by the deadline. Prior to XX/XX/XXXX, I visited the XXXX XXXX branch in XXXX XXXX and spoke with banker XXXX XXXX XXXX. She confirmed to me that any deposits to account ending in XXXX would automatically transfer to my Prime Checking account with only a one-day delay. Relying on that assurance, I did not take further action. On XX/XX/year>, a {$5000.00} deposit was made to account ending in XXXX. When I visited the same branch today, I was told the information XXXX XXXX gave me was incorrect. I was now told the {$5000.00} will not be transferred to my Prime Checking account. Instead, a check would be mailed to my home address, which could take up to 70 days. I can see the {$5000.00} balance when I log in to Wells Fargo Online, but I have no option to transfer or withdraw the funds. My money is being withheld due to incorrect information provided by your employee. Impact : I relied on Wells Fargo bankers statement and am now without access to my own funds. Wells Fargo is penalizing me, the customer, for an error made by Wells Fargo employee. This is unacceptable. Resolution Requested : Immediate release of the {$5000.00} to my Prime Checking account or by cashiers check available at the XXXX XXXX, XXXX XXXX branch within 24 hours. Written confirmation from Wells Fargo acknowledging that XXXX XXXX XXXX provided incorrect information on or about XX/XX/year>. Waiver of any fees related to this issue and compensation for the delay. A direct contact at Wells Fargo Executive Office to resolve this matter. I have been a customer for many years and expect this to be resolved promptly. If I do not receive a substantive response within 5 business days, I will escalate this matter to the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, and the California Department of Financial Protection & Innovation. Please reference this complaint with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX branch, who can verify the information she provided to me. Sincerely, 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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a phone call from a representative stating they were collecting a debt on behalf of Bank of America. During the call, I clearly declined to authorize any automatic payments or charges to my debit card on file. Despite my refusal, the representative stated that I would be enrolled in automatic payments anyway and that my debit card would be charged repeatedly starting the following day. I did not give consent for any automatic withdrawals, recurring payments, or debit card charges. I explicitly told the representative I would handle payment myself at a later time and did not agree to any enrollment in autopay. I am concerned that unauthorized charges may be attempted or processed without my permission.

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I used Affirm to finance a purchase from XXXX XXXX for jewelry that was presented in a way that reasonably implied it was solid XXXX gold. The product title and primary marketing did not clearly or prominently disclose that the item was gold-plated, which is a significant difference in value and quality. After receiving the item and reviewing it more closely, I realized it did not meet my expectations based on how it was presented at the time of purchase. I contacted the merchant within the stated 14-day window to request a return, but the request was denied due to a no-refund policy. I then filed a dispute with Affirm, explaining that the product was misleadingly presented and that I would not have made the purchase had the material been clearly disclosed upfront. Despite this, Affirm denied my dispute and is requiring me to continue making payments on the loan. I am not disputing the loan terms themselves, but rather the underlying transaction. I believe consumers should not be held responsible for paying for a product that was presented in a misleading way, especially when a return was requested promptly. I am requesting that Affirm reconsider this case and provide a resolution, as I do not believe it is fair to enforce payment under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Complaint Solutions
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against Asset Compliant Solutions Account # : XXXX Reference # : XXXX Original Creditor : XXXX XXXX XXXX XXXX Dear CFPB : Please be advised that I am not a third party. This complaint is being submitted directly by the consumer with full rights under the Fair Debt Collection Practices Act ( FDCPA ) and all applicable federal and state laws. I am filing this formal complaint against ASSET COMPLIANT SOLUTIONS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone : XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Summary of Events : On XX/XX/year>, I sent ASSET COMPLIANT SOLUTIONS a detailed VALIDATION OF DEBT REQUEST pursuant to 15 U.S.C. 1692g. In that letter I clearly disputed the debt and demanded competent evidence of my legal obligation to pay, including the original contract, assignment documents, and complete account history. A copy of that letter and proof of certified mailing is enclosed. On XX/XX/year>, ASSET COMPLIANT SOLUTIONS sent me a SECONDARY NOTICE falsely stating they had not yet received payment nor a response from the VALIDATION NOTICE. They continued collection efforts and demanded I contact them to set up a payment schedule or visit their payment website. A copy of this SECONDARY NOTICE is enclosed. To date, ASSET COMPLIANT SOLUTIONS has provided ZERO validation or documentation as required by federal law. They have ignored my XX/XX/year> VALIDATION REQUEST and continued their collection activity in violation of the FDCPA. Specific Violations : FAILURE TO VALIDATE ( 1692g ) : After receiving my timely written dispute, the debt collector failed to cease collection activity and failed to provide any of the verification I requested. Continued Collection After Dispute ( 1692g ) : Sending the SECONDARY NOTICE and demanding payment while my validation request remains unanswered is a direct violation. False, Deceptive, or Misleading Representations ( 1692e ) : The SECONDARY NOTICE falsely claimed I had not responded when they had clearly received my certified VALIDATION OF DEBT letter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 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: UT

Complaint narrative:
I am filing a complaint regarding XXXX handling of a transaction I never received goods made using my Venmo debit card. The transaction in question was authorized by me and was reported promptly. When goods were not received This transaction qualifies as an unauthorized electronic fund transfer under Regulation E. More than XXXX business days have passed since I reported the issue, and Venmo has not completed its investigation or issued provisional credit to my account. Under Regulation E, financial institutions are required to provisionally credit a consumers account if an investigation into an unauthorized electronic fund transfer can not be completed within XXXX business days. Venmo has either failed to provide this provisional credit or has not clearly explained why Regulation E does not apply in this case. I am requesting : XXXX ) Immediate issuance of provisional credit while the investigation continues XXXX ) A written explanation if Venmo believes Regulation E does not apply XXXX ) A full resolution of the unauthorized transaction This delay has caused financial hardship due to restricted access to my funds.

Company response to consumer: Closed with explanation