vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX account was frozen after receiving a legitimate payroll deposit from XXXX. Documentation, including a paystub, was provided to verify the source of the funds. I was initially told the case was under review and that we would receive an update by XX/XX/year>. No update was provided. After following up, I was informed that the account had been permanently deactivated on XX/XX/year> due to unspecified concerns regarding activity. XXXX has stated that the funds in the account will be held for up to 180 days for loss prevention purposes. However, they have not provided any clear explanation for the hold, the exact amount being held, or any instructions regarding how or when the funds will be released. AdditionallyXXXX XXXX has stated they will not respond to any further inquiries regarding this matter, effectively cutting off all communication while continuing to hold funds. The funds being held are legitimate earned payroll income from XXXX and are needed for essential living expenses. We are requesting : * Immediate clarification of the exact amount being held * A specific reason for the hold * A clear timeline and method for the release of funds This lack of transparency and refusal to provide access to earned income is causing financial hardship and requires urgent resolution. Case number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Upstart account opened without my knowledge. Requested to have it removed from my credit profile and information regarding this account be sent to my address. No correspondence sent by upstart network

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I recently about 2 weeks ago, got my XXXX XXXX repossessed from lack of payments, I was late 90 days. I spoke to a representative and she told me that I needed to make the payment through XXXX and immediately to give them a call back to avoid repossession so I made the payment through XXXX XXXX and I couldnt call them that exact day because it was already too late, so I tried to call them the next day but when I notice my car was already gone. In my email or mail I didnt got any letters from them saying my car was going to get repossessed, I didnt received lost calls from them and voicemails to give them a call back about my Honda account . But from the repossession that was so last minute that in the mailbox I didnt got any letter or either by email, and they should have my P.O. Box since I had gotten notices for service due. I will upload a picture statement of my balance and information of my loan, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Acima has made numerous unauthorized withdrawals from my bank account. My agreed-upon payment schedule is every other week ; however, the company withdrew three back-to-back payments without my authorization. After reviewing my bank statements, I also discovered that Acima attempted to withdraw funds from my account repeatedlyon a near-daily basisthroughout the months of XXXX, XXXX, and XXXX. These repeated attempts were not authorized and caused significant concern regarding the security of my account. As a result of these actions, I was forced to block my account to prevent further unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I met with an accident and I could not make payment on time I missed a payment in the past. The app showed me XXXX XXXX credit bill due my credit limit was XXXX $ .I have called XXXX days before to start a hardship payment plan where my next payment should be XXXX XXXX XXXX XXXX XXXX that should be on XX/XX/XXXX. But even after XXXX days the app did not update my hardship payment plan billing option. And it still showed XXXX XXXX payment due on XX/XX/XXXX. I expected XXXX XXXX will be autopaid. Now my XXXX XXXX from My autopay is deducted and the next billing cycle payment due is showing XXXX XXXX and the bill pending is XXXX XXXX They are not making billing cycle changes even after the hardship payment plan. I need them to take XXXX XXXX XXXX XXXX XXXX billing cycle. And they should update my next billing cycle payment due amount as XXXX XXXX instead of XXXX XXXX and stop taking XXXX . And I need them to refund my money which they took for XX/XX/XXXX billing cycle that should be XXXX XXXX the change after taking XXXX $ for this month billing cycle. And the bank must update the app payment due for next billing cycle as XXXX XXXX according to hardship payment plan. Otherwise XXXX XXXX because they are taking XXXX XXXX and again keeping XXXX XXXX credit due and not changing number. XXXX XXXX off if they dont change because I can not go directly to bank also

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX - XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I deposited a check into my Wells Fargo account for {$1000.00} through the mobile app on XX/XX/XXXX I got a call from Wells Fargo saying that my account will be closed on XX/XX/XXXX because of a previous account I had with them in 2023 that got closed they said they see the same problem which I dont do nothing with this account but make purchases hardly use the account for anything else but soon as I deposit a check into the account thats when they say my account is getting closed I had this account open since XXXX never had no problems until I deposit a check I also applied for the second chance banking that Wells Fargo was offering because I knew my old account got closed back in 2023 so I was trying to gain my trust back its no way my account should be getting closed especially when I just deposited 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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Despite multiple good-faith attempts to obtain these records, I have received no response. A formal written demand for the complete electronic signature audit trail and related documentation was sent by mail on XX/XX/year>, and follow-up correspondence was also sent via email requesting the same materials. To date, the company has failed to provide any of the requested documents or otherwise respond. This lack of response prevents me from verifying whether the alleged electronic agreement complies with the Electronic Signatures in Global and National Commerce Act, including whether valid consumer consent was obtained and whether the contract was properly executed and enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My Apple Card account was closed for alleged fraud with no fraudulent activity present. I contacted Goldman Sachs XXXX XXXX ( XXXX representatives including a manager ) and was given no explanation and no path for review. I am requesting a detailed explanation and reconsideration of the closure. I opened this account XX/XX/year>. Havent had XXXX issue with this card ever. Even though you can use it anywhere I only use it at the Apple XXXX. I currently had apple subscriptions on it as well. I randomly got a notification on my XXXX my Apple Card was unavailable at XXXX est. Thats when I began to call. They sent me a generic email and nobody was providing any information. They said I could reapply. Tried that it said nope already have an account. Its crazy on the email it says call customer service for them to not tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX someone withdrew {$1700.00} from my checking account at Bank of America located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX I had never been in this branch. They told me I had to wait XXXX days for them to tell me what happened. I went back after XXXX days and they said I withdrew the money. I told them I had not, they said they would have to escalate the case and I would have to wait another XXXX days. I went back and now they told me they would need to pull the video. Waited XXXX weeks nothing happened, then they told me the police would have to get a subpoena to pull the video. I filed a report with the police around XX/XX/XXXX. The police need to know what time the transaction had occurred. I emailed Bank of America XX/XX/XXXX, they never gave the police the time.

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 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I took out a personal line of credit with credit fresh and set up autopay for my monthly payments so that I did not have to worry about it. In XX/XX/year> for some reason autopay failed and I did not notice until I got a notification that I had a late payment on my credit report. Every single other month before and after this was on time because of the autopay. I called almost immediately and spoke to someone to find out why autopay failed. I was told this happened to a lot of people that particular month and that a case would be created to get it corrected. I have called on numerous occasions since and sent multiple emails to the back office team with no reply or acknowledgement. I have also disputed with XXXX but credit fresh keeps saying the information is valid even though they admitted it was an issue with their own system and stated they would correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
I did not receive the merchandise. This is company 's negligence. I dispute this debt in its entirety. Because merchandise was released to an unauthorized individual. While I applied for financing, I never received the goods and did not authorize anyone else to take possession of them. This company allow someone to take the merchandise with me, my signature, or ID. I was advised that all would need to be present to retrieve. I'm starting to have so many issues with debt and fines because my name is so common. This is becoming a battle. Debt keeps coming to me then the final outcome, they just say sorry that was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
Charged interest due to a system error. Researched online and BILT cardless was aware of the issue, but multiple people still had to call customer service to get the fee reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of approximately {$230.00} USD through Wise to a merchant in XXXX. Wise placed a hold on the funds and requested the date of birth of the recipient as a compliance requirement. I complied with this request on XX/XX/XXXX. Despite complying, the funds were never processed or delivered. I contacted Wise support multiple times over XXXX days with no resolution. When I mentioned filing a CFPB complaint, a support agent told me to go ahead and stated they had documentation ready, implying the complaint would slow resolution further. As of XX/XX/year>, the funds remain held with no explanation, no processing, and no estimated resolution date. I have been unable to cancel the transfer or have it delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have tried to fix this with BOA for over a month. They are not doing something right. I deposited $ XXXX {$1000.00} into an ATM and they are claiming it isnt over balanced. Its just not possible. It happened on XX/XX/XXXX at XXXX XXXX. There is footage of me putting money into the machine, it taking it, and nothing being applied to my balance. This is a literal nightmare and they are just stealing my money.

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 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE BANKSHARES, INC.
State: KY

Complaint narrative:
XXXX XXXX account Asked to distribute the entire account balance due to excess contributions for XXXX to HSA between my spouse and I. Summary : -requested an excess distribution for XXXX on XX/XX/XXXX -called twice on XX/XX/XXXX to escalate as the form still hadn't been processed. The provider confirmed they received the form on XXXX and promised it would be processed by end of day on XX/XX/XXXX to meet the XX/XX/XXXX deadline. -emailed on XX/XX/XXXX to escalate as well. XXXX, form wasn't processed. Called to escalate to determine how they would pay my excess tax penalty and still need the distribution processed. Asked to speak to a supervisor, was told I'd be next in line and to stay by my phone. XXXX still no call from a supervisor. This is taking too much of my time to get resolved and there's no recourse on their end.

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 2026-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX ( XXXX ), the servicer of my private student loan used to fund tuition at the XXXX XXXX XXXX XXXX ( XXXX ). I took out this loan based on representations made regarding a XXXX transfer pathway to XXXX XXXX XXXX. This transfer opportunity was a decisive factor in my decision to enroll at XXXX and to borrow funds for tuition. After enrollment, and after I had already incurred substantial debt, critical eligibility conditions and limitations connected to the transfer pathway became clear. XXXX has since confirmed that XXXX held the relevant agreements and therefore had the opportunity to accurately disclose these requirements when I repeatedly asked for clarification before and during my studies. I believe I entered into the loan under materially incomplete and misleading information. The core reason I took the loan was later shown to be inaccurate, which calls into question the fairness and validity of the resulting debt obligation. I first contacted XXXX in XXXX to formally raise this dispute and request assistance. I did not receive a meaningful response. I have since contacted XXXX again in XXXX and have again not received a substantive response. Despite multiple attempts, I have not been provided with a proper investigation outcome, clear guidance, or full transparency regarding the current legal owner of the loan. I am concerned that my dispute has not been handled appropriately and that I have been left unable to resolve serious concerns regarding the circumstances in which this debt was incurred. I request that CFPB require XXXX and the relevant creditor to : investigate this matter fully, including obtaining information from XXXX ; identify the current legal owner of the loan ; confirm whether my account has been marked as disputed ; suspend collection activity while the dispute is reviewed ; consider cancellation/discharge of the loan balance due to the circumstances under which it was obtained ; and review reimbursement or recovery of payments already made on the loan. I am seeking a fair resolution because I would not have entered into this borrowing arrangement had accurate and complete information been disclosed at the relevant time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: IN

Complaint narrative:
Cash app now block Inc has honored a levy on my cash app account from a XXXX my account is in the name of XXXX XXXX XXXX XXXX is against XXXX XXXX mainly XXXX XXXX XXXX I have been contacting them for years to release these funds and sent proof that XXXX XXXX was terminated either way they cant hold funds under an account in the name of XXXX XXXX when XXXX XXXX XXXX is who they once had the XXXX against

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital Ones XX/XX/year> response states that the accounts were suspended and closed for business concerns unrelated to creditworthiness, that Capital One has confirmed it is reporting accurate information, that the disputed transactions were valid and were authorized by you, and that it will not provide call recordings or transcripts because they are proprietary. It also references a prior {$59.00} courtesy credit. Those positions are materially inconsistent with Capital Ones earlier communications and determinations regarding the same accounts and transactions. Because Capital One has issued contradictory explanations concerning the same closures, the same disputed transactions, and my alleged liability, Capital One is furnishing information that is inaccurate, incomplete, or materially misleading, or at minimum not reliably verifiable. Under 15 U.S.C. 1681s-2, Capital One may not furnish information it knows or has reasonable cause to believe is inaccurate, and it must correct and update information necessary to make furnished information complete and accurate. Under 12 C.F.R. 1022.43, Capital One must conduct a reasonable investigation of direct disputes concerning liability, fraud, closure date, and other report information bearing on creditworthiness and reputation. If the information can not be verified in a complete and consistent manner, deletion is the appropriate remedy under the FCRA dispute framework. Accordingly, I demand that within 15 days Capital One : XXXX XXXX, XXXX, and XXXX to delete all tradelines associated with accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX, unless Capital One can provide one final, non-contradictory, and fully documented basis for its furnishing ; provide one single written explanation for each closure and each disputed transaction determination ; provide the records relied upon, including call notes, investigation notes, and all non-privileged documents supporting its current position ; and refund all disputed charges, reversed credits, related interest, and any fees tied to those items if Capital One can not produce a coherent and documented basis for asserting that the disputed transactions were authorized. If Capital One refuses deletion, then provide a final written response identifying every reason it has ever assigned to these closures, which reason it now contends is definitive, and the exact evidence supporting that position. If Capital One can not do so, continued furnishing is unreasonable and materially misleading. No rights are waived.

Company response to consumer: Closed with explanation