vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Description of Issue Subject : Permanent Account Deactivation Following Correction of XXXX  System Error I am filing this complaint regarding a permanent account deactivation by XXXX  that I believe is arbitrary, discriminatory, and a result of XXXX own internal data errors. 

Background : On XX/XX/XXXX, I attempted to create a XXXX  account for the first time. Upon entering my verified phone number, the XXXX  app incorrectly linked my identity to a different individual named " XXXX XXXX. '' I am XXXX XXXX. 

Timeline of Resolution : Initial Support : I contacted XXXX  support immediately. They initially requested that I provide documents " proving I am XXXX, '' which was impossible as I am not that person. 

Documentation Provided : I submitted my government-issued Drivers License and a XXXX billing statement proving that I am the sole owner of the phone line. Despite this, my emails went unanswered for months. 

XX/XX/XXXX Escalation : I contacted support again via phone. After a manual review of my ID and phone records, a representative confirmed the error and " unlinked '' my phone number from the other individuals profile.

The Violation : Immediately after XXXX  " fixed '' the link and invited me to register, I attempted to complete my profile. I was met with an error code. Upon contacting support for help with the error, I received a notice stating I was permanently deactivated for " violating the User Agreement. '' Basis of Complaint : XXXX XXXX  " Account Specialist '' refuses to provide any specific reason for this ban, citing " sole discretion. '' However : I have never successfully used the platform ; therefore, there is no " account activity '' to review other than my persistent efforts to fix their identity mapping error.

The ban was triggered immediately after XXXX  corrected their own mistake.

I believe I am being penalized or flagged as a " security risk '' simply because XXXX system incorrectly associated my phone number with another user in the past.

Desired Resolution : I request that XXXX  perform a manual human review of my case, acknowledge that the " risk '' flag was a false positive caused by their own system error, and reinstate my ability to use the service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute a manual adjustment of {$64.00} applied to my American Express Gift Card on XX/XX/XXXX. This adjustment appears to be an error that had already been resolved on XX/XX/XXXX. 

Timeline of Events XX/XX/XXXX : I attempted a payment of {$250.00} to XXXX XXXX. Due to a miscalculation of the remaining balance, the transaction exceeded the available funds by {$64.00}. 
XX/XX/XXXX : A credit of {$64.00} was posted back to the gift card to reconcile the overage. This correctly adjusted the XXXX XXXX payment to a net total of {$180.00}. At this stage, the account was balanced. 
XX/XX/XXXX : A " Manual Adjustment '' of {$64.00} was debited from the card by Customer Service. This resulted in a loss of funds, as the overage had already been settled by the XX/XX/XXXX credit. 
XX/XX/XXXX : I contacted Customer Service again to request a correction. I was informed that a supervisor would contact me within XXXX hours ; however, I have received no correspondence and the balance remains incorrect. 

On XX/XX/XXXX, I had to file a dispute with my credit company which happened to be American Express as well, and asked for the the reverse of the adjustment. However, on XX/XX/XXXX, I was informed the dispute was declined. Now I couldn't see information of the gift card online any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION ASSOCIATES, LTD.
State: VA

Complaint narrative:
A XXXX XXXX filed a third-party collection agency to collect a debt that I had already paid off through my debt relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One placed extended holds on deposits to my checking account ending XXXX : {$2700.00} ( deposit activity XX/XX/year> ) with availability delayed until XXXX XXXX, 2026, and {$4900.00} ( deposit activity XX/XX/year> ) with availability delayed until XXXX XXXX, 2026. The notices state Based on confidential information, one or more of the check deposits may not be paid, without providing an actionable explanation or a method to verify and release funds sooner. Phone support also provided incorrect guidance that the payer could cancel checks after they posted as paid. These holds are causing business cash-flow harm. I request a documented explanation of the basis for the holds, a risk-team review, and release ( or partial release ) upon verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I submitted the claim with Bank of America regarding some unauthorized transactions. It was over XXXX transactions from the same merchants that charge my account for over {$2000.00}. 
Bank of America did some investigation and concluded that only a few of transactions were unauthorized and said that I would be responsible for the remaining transactions. It makes no sense because I have not deal with that merchant before. And I have contacted the merchant myself. 
My claim number is XXXX for {$920.00} but said I would be liable for the {$370.00} My other claim number is XXXX for {$640.00}

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 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing an account reported by Jefferson Capital System on my credit report with XXXX XXXX XXXX XXXX I never received any written notice, phone call, or other communication from this company regarding the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to send a written validation notice within XXXX days of first contact, outlining the amount owed, the creditor, and the right to dispute the debt. 

Since I was never notified, I was denied the opportunity to verify, dispute, or respond to this claim. Reporting an account to a credit bureau without proper notification is unfair, deceptive, and violates federal law. 

I request that this account be thoroughly investigated, that Jefferson Capital System provide proper validation of the debt, and that the account be removed from my credit report until validation is provided.

Additionally, I would like to be informed of the outcome and any corrective action taken. This situation has caused unnecessary stress and potential harm to my credit standing, and I ask the CFPB to ensure that my rights under federal law are fully enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: FL

Complaint narrative:
I enrolled in a XXXX free trial for XXXX through XXXX. The trial indicated it would end at approximately XXXXXXXX XXXX on XX/XX/year>. However, my account was charged $ [ insert amount ] at XXXX XXXX  on XX/XX/year>, several hours before the stated trial end time. Because the charge occurred earlier than expected, I did not have a reasonable opportunity to cancel before billing. 

On XX/XX/year>, after noticing the charge, I canceled the trial the same day and immediately contacted XXXX support requesting a refund. I provided screenshots showing both the advertised trial end time and the earlier billing time. My request was marked resolved without confirmation of any refund, and I was redirected to another support contact that stated they do not handle XXXX billing issues. 

I then filed a dispute through PayPal and submitted the same documentation. PayPal ultimately sided with XXXX, and the charge has not been refunded. I am requesting assistance because I believe the charge occurred before the advertised trial period ended, I canceled promptly once aware, and my attempts to resolve the issue directly have not resulted in a clear explanation or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was previously behind on my payments due to financial hardship but I remained under 120 days past due. To resolve this, I entered a hardship assistance program provided by Oportun. According to their official app, my account is now Current with a payment scheduled for XX/XX/XXXX. 
Despite this agreement, Oportun transferred my account to a law firm ( XXXX XXXX ) and now refuses to communicate with me. Every time I call they try to force and intimidate me into dealing only with the collection agency, which I find threatening and predatory. They are using legal-firm intimidation for a debt that is NOT in default under my current assistance plan. I am trying to pay as agreed, but they are blocking my access to their own customer service to force a settlement through a third party. 

Additionally. when Oportun calls for collection attempts their representatives refuse to identify themselves first. When I ask for their name or the company they represent, they become angry confrontational or abruptly hang up the phone. This is a deceptive and harassing tactic designed to intimidate me and it violates my rights as a consumer to know who is calling regarding my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems continues to report to the credit bureaus of a debt owed of {$330.00}, {$97.00}, & {$160.00} from XXXX. Under FCRA, Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ), Jefferson Capital Systems are a third party acquiring my personal information through illegal purchase. Under FCRA, they are required to present documented signature from me stating this debt is owed from me. This violation is a clear breach of my privacy rights along with fraudulent activity by use of purchasing my personal information. Also, this debt collector deleted such unverified information through the credit bureaus then reinserted the same information again. FCRA 611 ( B ) ( i ) states, " If any information is deleted from a consumer 's file pursuant to paragraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: OH

Complaint narrative:
My account got shut down shut down and my SSN flagged. I contacted them by phone and spoke to a representative and i also messaged chatted with them people numerous times. I ask them when and/or how i violated their terms of used, they tell me that they dont have an aswer or they cant give me an answer. I find this ridiculous. I dont live around any family, all my people use cash app, and thats how they can help support me on my endeavors in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX continues to report to the credit bureaus of a debt owed of {$330.00}, {$97.00}, & {$160.00} from Affirm. Under FCRA, Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ), XXXX XXXX XXXX are a third party acquiring my personal information through illegal purchase. Under FCRA, they are required to present documented signature from me stating this debt is owed from me. This violation is a clear breach of my privacy rights along with fraudulent activity by use of purchasing my personal information. Also, this debt collector deleted such unverified information through the credit bureaus then reinserted the same information again. FCRA 611 ( B ) ( i ) states, " If any information is deleted from a consumer 's file pursuant to paragraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Someone use my information to set up a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. 
Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. 
You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ).

I am formally demanding the following documentation within 15 calendar days from the date of this letter : 1. The original signed contract or application bearing my signature showing liability for this debt.

2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency.

3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt.

4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges.

5. Your debt collector license number and the state ( s ) in which you are licensed to collect.

6. Your surety bond information, as required by law in certain jurisdictions.

7. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return le account to the original creditor and permanently cease any further action on this matter.

8. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs.

9. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary.Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above.

Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt.

You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ).

I am formally demanding the following documentation within 15 calendar days from the date of this letter : 1. The original signed contract or application bearing my signature showing liability for this debt.

2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency.

3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt.

4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges.

5. Your debt collector license number and the state ( s ) in which you are licensed to collect.

6. Your surety bond information, as required by law in certain jurisdictions.

7. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return le account to the original creditor and permanently cease any further action on this matter.

8. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs.

9. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary.Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I checked my Wells Fargo checking and savings account after work around XXXX XXXX  and noticed there were three unauthorized transactions : XXXX From My Checkings : {$700.00} - Cash EWithdrawal in Branch XX/XX/scrub>XXXX XXXX XXXX {$280.00} - ATM Cash approved in overdraft authorized on XX/XX/year> XXXX from my Savings : {$460.00} - Cash Ewithdrawal in Branch XX/XX/year>XXXX XXXX XXXX All of these transactions happened on the same day and were pulled from my account when I was physically at work. I had my ATM card with me, and I did not authorize any of these transactions. I contacted my bank immediately, and they started 3 claims for each of the transactions. 

I called the bank on XX/XX/year>XXXX  to check the status of my claims, and they denied my {$280.00} transaction due to a lack of evidence.

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 2026-02-15 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: Chime Financial Inc
State: NJ

Complaint narrative:
XXXX XXXX dollars $ XXXX XXXX XXXX $ XXXX XXXX dollars $ XXXX XXXX XXXX On XX/XX/year> XXXX XXXX XXXX were made to fraudulent individuals, and I would like a refund!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I sent the money via XXXX to Western union by Saturday XXXX XXXX until now the money still not sent or available on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED BANKSHARES, INC.
State: NC

Complaint narrative:
The case was closed stating it's a duplicate. 
I wanted to make sure you saw this response by United Bank. 
Their response was to provide someone else 's banking information by the name of XXXX XXXX. I'm pretty sure I'm not supposed to have her bank information. 
I did get paid on XXXX XX/XX/year>. So I am absolutely sure they ( XXXX XXXX, SC XXXX ) can make my funds available on XXXX instead of playing games and HOLDING MY FUNDS until XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation