vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I applied for a credit card and entered my correct address, but the company mailed the card to my old address. I called and had the address corrected, and I was not told that anything else was required. I made my first payment on XX/XX/XXXX and never used the card. 

I was later told that ID verification was needed, but I did not receive any clear notice about this at the time. The company claims they sent something on XX/XX/XXXX, but I did not receive it. I believed everything was resolved because I had already spoken with customer service and successfully made my payment. 

Today, I received a letter stating that my account was closed and could not be reopened. I was never given a fair chance to complete any verification steps, and the closure happened without warning. I am requesting a review of my account and an explanation for the closure, as well as confirmation that no negative information will be reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: WA

Complaint narrative:
I am formally demanding a full internal investigation into my account and the identity theft dispute I have been attempting to resolve for over two and a half years.

This matter involves documented identity theft and unauthorized use of my financial accounts. I filed a police report with the XXXX Police Department ( Summary Incident Report Suspicious Activity ). In that report, I detailed how an individual gained unauthorized access to my credit cards, Cash App account, and my XXXX XXXX XXXX XXXX account. He also stole my Social Security card, birth certificate, prescription medication, and multiple personal phones containing sensitive information. 

The unauthorized activity included numerous small transactions and a larger purchase of approximately {$450.00} at XXXX XXXX, which is when I became aware of the fraud. My credit cards were shut down, my Cash App account became negative, and my credit score has suffered significant damage as a result. I have clearly stated to law enforcement that I am willing to prosecute.

In addition to filing a police report, I formally filed an identity theft report and provided documentation supporting that these transactions were unauthorized. Despite this, I do not believe a reasonable, good-faith, or thorough investigation has been conducted on my account.

As a result of the failure to properly investigate and resolve this matter, I have suffered : Financial losses exceeding {$3500.00} Account fees and negative balances Ongoing credit damage Significant loss of time and resources over a 2.5-year period I am requesting the following immediately : 1. A comprehensive, documented internal investigation of my account and all disputed transactions.

2. A written explanation detailing how prior investigations were conducted and why my claims were denied.

3. Immediate correction of any inaccurate credit reporting associated with these fraudulent transactions.

4. Reimbursement of funds and associated damages resulting from failure to properly investigate documented identity theft.

This matter has been ongoing for far too long. I expect a formal written response outlining the steps being taken to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: NH

Complaint narrative:
On XX/XX/year>, my accounts were hacked, resulting in multiple fraudulent charges at a XXXX in XXXX, NH. The charges included {$2000.00} worth of gift cards ( four {$500.00} cards ), along with various food items. Upon receiving email notifications, I was able to cancel some of the food orders, but XXXX boxes had already been shipped to my address. I promptly returned these to the service desk. 

I immediately contacted Capital One, who canceled my card and issued a new one. I also reported the fraudulent transactions to XXXX, as the charges were processed through their platform. Additionally, I updated the passwords for my Capital One, XXXX, and email accounts. 

While I have been reimbursed for some of the smaller charges, the {$2000.00} for the gift cards remains unresolved. Capital One has declined to reimburse me, stating that XXXX insists the gift cards were emailed to my correct email address. However, I have verified that the email address is accurate, and I never received any gift cards nor made any such purchase. 

Capital One has told me their decision is final and has refused further assistance. When I requested documentation outlining the reason for their denial, they declined to provide it. They recommended that I work directly with XXXX, but XXXX has referred me back to Capital One. XXXX has also refused to help, redirecting me to Capital One. 

At this point, I am unsure how to prove that I neither ordered nor received the gift cards. Any guidance on how to resolve this issue would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
A few months ago, I noticed charges being made to my XXXX XXXX account under a GS bank Apple Card dating back to XX/XX/year>. The reason I didn't notice it for this long is XXXX XXXX is not my primary account. I only have a debit card associated with it and I haven't used it recently, so I did not feel the need to check it often. I also got a notification that I had a credit card balance of {$89.00} and this has been lowering my credit score as well. I did not open an Apple Card in the first place and none of these payments/charges were made by me. I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I am filing this complaint regarding Harris & Harris attempting to collect and report a fraudulent account resulting from identity theft. 

Creditor : Harris & Harris Original Creditor : XXXX XXXX Balance : {$450.00} This account is unauthorized and does not belong to me. I have filed an official FTC Identity Theft Report ( Report # XXXX ), which legally establishes this account as fraudulent. 

Despite my identity theft notification and dispute, this collection continues to be reported as a derogatory account without proper validation and with incomplete reporting information including missing account type, credit limit, and amount past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate reporting and improper post-closure charges on my Capital One XXXX  credit card account. 

Capital One closed this account on XX/XX/2025. Despite the account being closed and charged off, additional fees and balance increases appear to have been assessed without proper explanation or validation. 

I previously disputed this matter with Capital One and requested a billing investigation and validation of all post-closure charges. However, the account continues to be reported with a balance and late payment status without adequate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 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: SC

Complaint narrative:
I was the victim of a personal loan scam the fraudulent lender made a mobile deposiit then transferred the funds back to their company and the deposit was returned.

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 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/year>, I requested a balance transfer in the amount of {$4900.00} from my XXXX credit card to my Barclays JetBlue credit card account. 

Barclays processed the balance transfer ; however, the funds were sent to the wrong account. The check copy provided by Barclays reflects an account number that does not belong to me. The destination account appears incorrect and possibly fraudulent, as I have observed inconsistencies in the account information. 

Despite multiple written disputes and communications over several months, Barclays has : Refused to correct the balance transfer error Refused to credit my account for the {$4900.00} Continued charging interest and fees on the disputed amount Repeatedly instructed me to wait two billing cycles without resolving the issue It has now been several billing cycles without resolution. Barclays continues to hold me responsible for a balance transfer that was misapplied due to their processing error.

This constitutes a billing error under the Fair Credit Billing Act ( FCBA ). I formally dispute the {$4900.00} balance transfer and all associated interest and fees.

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 2026-02-21 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: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX  I made a reservation on XXXX for a house rental in XXXX ( XXXX ), XXXX XXXX XXXX XXXX. The listing advertised a full refund if canceled before XX/XX/XXXX. I paid the full amount of {$6100.00} to XXXX in XXXX XXXX on Citi XXXX credit card ( plus {$790.00} to XXXX for their fee ). XXXX reservation ID : XXXX, Property ID : XXXX XX/XX/XXXX - I canceled the reservation when we realized that the house was not going to work since we had a change in plans. I received an automated message from XXXX that the cancelation request was approved, and we would be refunded the amount of {$6100.00}. XXXX refunded their fee of {$790.00} on XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX only refunded {$5800.00} on XX/XX/XXXX. 

XX/XX/XXXX - I first reached out to the host via XXXX messaging when we realized that we were only refunded {$5800.00} instead of the total amount {$6100.00}. The host ( XXXX XXXX XXXX said she was keeping the fee she was charged by the credit card company for the initial charge. XXXX itself expects her to refund the full amount I paid as documented in in an email. I reached out to XXXX on multiple occasions beginning on XX/XX/XXXX, with the last communication stating " your previous case has been escalated. '' ( XXXX case number XXXX. ) XXXX has never contacted me again. Since they already refunded me the amount they charged, they apparently have no obligation to enforce their own return/refund policy. 

XX/XX/XXXX - I filed a dispute with Citi credit card for {$6100.00} ( in error ). Re-filed and opened dispute on XX/XX/XXXX for the {$230.00} that we were not refunded. 

XX/XX/XXXX - Claim was denied despite submitting all documentation stating that the listing on XXXX says " full refund '' if canceled before XX/XX/XXXX. XXXX itself says that I should be getting the full amount of {$6100.00}. The host has taken it upon herself to make up her own rules about keeping the credit card fee which was not listed anywhere on the listing or on XXXXXXXX XXXX policies. Citi was wrong for denying our claim.

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 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
In late XXXX of XXXX I received a letter in the mail from XXXX with a bill for {$2600.00}. I assumed this was a scammer trying to get money, as I have never owned an account with XXXX XXXX XXXX ignored it. Then, on XX/XX/XXXX I received a phone call about the matter and expressed this is not my account, to which he advised I file a police report, and then sent me a link to a dispute form. I immediately filed the police report and filled out the form. I emailed back and forth with their fraud department and thought this was settled until I now see it is at a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to make a purchase with the card and it was declined. I called the company and they said they had to verify my identification. They asked me a few questions and none of them pertained to me. Schools and places I never lived. I thought that was very strange so then they asked me to email them a copy of my drivers license which I did. I called them today to see if the verification process was approved so I could start using my card again and that is when they informed me that they believe that the drivers license I sent them was fraudulent and so they closed my account without even letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
I received 100 % permanent and total XXXX from the VA effective on XX/XX/2025, after my claim was completed on XX/XX/2025. On XX/XX/2025, I paid {$7300.00} to Mohela to eliminate an unsubsidized loan. My loans were discharged a few months later in XX/XX/2025. I sent an email on the Mohela website to inquire about my refund. 

The response I received stated, " Our records show that your loans were discharged due to XXXX with an effective date of XX/XX/2025. As there were no payments made after this date, no refund will be issued. '' Under Code of Federal Regulations ( CFR ) Title 34, Section 682.402 ( c ) and Section 685.213, I am entitled to a refund of {$7300.00} paid on XX/XX/2025.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
In XXXX and XX/XX/year>, I was charged duplicate initial deposit payments on multiple Zip ( Quadpay ) orders. These duplicate charges did not fall off, did not reverse, and were not refunded. I reported the issue to Zip immediately and have been trying to resolve it for over three weeks.

Zip acknowledged that the issue affected multiple orders and multiple payment methods. They stated in writing that they would conduct a full-account audit covering all of my orders and all payment methods I have used with Zip. However, they never provided the audit results they promised. They did not send a transaction breakdown, did not identify the duplicate charges, did not confirm refund amounts, and did not provide refund timelines.

Instead, Zip repeatedly sent contradictory and generic responses. One agent asked me to provide five years of bank statements from seven different banks, which is not reasonable for a consumer and contradicts their earlier statement that they would conduct the audit internally. Another agent sent a generic pending charges will fall off message that does not apply to my situation, as none of the duplicate charges have fallen off and some have already posted. 

As of today, Zip has not refunded the duplicate charges, has not provided any documentation of an audit, and has not resolved the billing errors. I am requesting that Zip be required to review their own records, identify all duplicate charges, and issue the refunds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to the branch for Bank of America to close my account because I was being charged a {$12.00} a month maintenance fee. I had the account since I was XXXX XXXX XXXX and entering college. I was directed to call instead. However, when you call, you can spend upwards of 30 minutes to get a representative. This seems to be prompted by me responding Close account. Other options seem to get you to a representative quicker.

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 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I am filing this complaint regarding Source Receivables Management attempting to collect and report a fraudulent account resulting from identity theft. 

Collector : Source Receivables Management Original Creditor : XXXX XXXX XXXX XXXX {$1000.00} This account is unauthorized and inaccurate. I have filed an FTC Identity Theft Report establishing that fraudulent accounts have appeared on my credit profile. 

Despite my dispute, this collection is reported without proper validation and with incomplete reporting fields including missing account type, credit limit, and amount past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: CA

Complaint narrative:
My PayPal account ( Reference ID : XXXX ) was abruptly and unjustifiably restricted after I received two personal transfers of {$1000.00} each, spaced five days apart, from my son, XXXX XXXXXXXX, to help with groceries. I have been a loyal PayPal user since its inception 27 years ago with a completely flawless record, yet my account was frozen over standard family transfers. 

I immediately provided all requested information and IDs through PayPal 's Resolution Center. Their system explicitly stated the review would take up to 2 days. It has now been over 72 hours, and PayPal continues to freeze my account while ignoring their own stated deadline. 

This restriction is causing severe and immediate financial harm. Because PayPal is declining all my transactions, I have already lost a valuable security camera subscription for the whole building for seniors. More importantly, my granddaughter in college relies on this account for her board and tuition, and those critical payments are now being blocked. PayPal 's unjustified hold on my account, the resulting damages, and their complete lack of communication are entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: Valon Technologies, Inc.
State: CA

Complaint narrative:
We had an ARM mortgage with XXXX XXXX for the last XXXX years. In this original ARM, we were due to go up from 2 % to not more than 4 % this XX/XX/XXXX. We recast the loan on XX/XX/XXXX, per letter that said the loan had been recast, XXXX we would be continuing with the 2 % interest rate. In this letter from XXXX XXXX servicing ( sub-servicing by XXXX XXXX ), there is no indication of changing of the terms of our original ARM. The servicing of the mortgage changed to XXXX Mortgage on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX sent us a letter stating that our mortgage interest rate would go from 2 % to XXXX on XX/XX/XXXX of XXXX. We emailed them on XX/XX/XXXX, got no further response, called them on XX/XX/XXXX XXXX spoke with Virginia ( agent XXXX ). She said she sent it to their " resolution team '', XXXX that it would be XXXX business days to review the issue. We got no response so emailed on XX/XX/XXXX XXXX again on XX/XX/XXXX. XX/XX/XXXX, we received an email from XXXX, confirming there was an error in the ARM calculation, and that in 2-5 business days we would receive an " updated ARM Notice. '' The request number or whatever of this email is number XXXX. We have not received any information indicating that they are going to sent an " updated ARM Notice ''. It is now XX/XX/XXXX, way past the 3-5 business days that they have used in all of their communications for the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I've sent several certified letters to Jefferson Capital concerning this debt from 2019, and the date they have is erroneous. The company XXXX XXXX is not in business, and has dissolved all locations so I can't retrieve my actual receipt showing a XXXX balance.

Company response to consumer: Closed with explanation