vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am formally disputing the accuracy and completeness of the following account appearing on my credit report : Capital One This account is being reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, I am requesting a reinvestigation of this account. The information currently being reported must be verified, corrected, or deleted. Issues With the Reporting - The furnisher has not provided complete, accurate, or verifiable documentation proving the validity of this account. - The reporting may violate 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. - If the account has been sold or transferred, the current furnisher must provide full documentation of ownership and account history. Please provide : 1. The original signed contract or application bearing my signature. 2. A full itemized accounting of the alleged debt. 3. Proof of ownership if the debt was sold or transferred. 4. The method of verification used to confirm the accuracy of this chargeoff. If you can not provide the above documentation within the required timeframe, you must delete this account from my credit file as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
This complaint is a follow up to consumer finance case # XXXX. Village Capital has changed back my payment so that I no longer owe additional money but has yet to correct my payment to reflect my 100 % property tax exemption. My payment still includes the full escrow requirement which includes insurance and property tax. I have explained multiple times that the {$5300.00} they sent to XXXX was never cashed because it was considered an overpayment. I forwarded an email from XXXX which also reflected that information. I have asked them multiple times to stop payment on that check ( submitted ant the end of XXXX ) and refund my money, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment of {$530.00} by mistake to the wrong recipient. I immediately attempted to recover the funds and contacted my bank. The recipient has refused to return the money. My bank has declined to assist or escalate the matter despite my request for a recovery attempt through XXXX. I am requesting that the bank initiate a recovery request with the recipients bank and properly investigate this erroneous transfer.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Beginning in XX/XX/year>, multiple unauthorized transfers of approximately {$2000.00} each were initiated from my personal bank checking account into my PayPal account without my authorization. These transactions were processed as ACH/eCheck transfers and total over {$8000.00}. I contacted PayPal multiple times over the past two months to report these unauthorized transactions and request assistance. Despite clearly stating that this was fraud, PayPal failed to escalate the issue to their fraud investigation team and repeatedly told me to wait 4872 hours due to system restrictions. During this time, additional unauthorized transactions continued to occur. As of now : Over {$8000.00} has been withdrawn from my bank account without authorization Approximately {$4000.00} remains in my PayPal balance and {$2000.00} in PayPal savings I am unable to transfer my funds back to my bank account due to repeated system restrictions placed on my account PayPal only recently escalated this issue after significant delays I have updated my password and enabled two-factor authentication, yet unauthorized withdrawals continued, indicating that prior authorized access or linked account permissions were not properly addressed by PayPal. This situation has caused significant financial hardship, as I am unable to access my funds to pay necessary expenses. I am requesting : Full investigation and reimbursement of all unauthorized transactions Immediate ability to withdraw my remaining funds without restriction Confirmation that all unauthorized access and linked accounts have been removed An explanation as to why PayPal failed to act on my initial fraud reports I am also working with my bank to file a Regulation E claim for unauthorized ACH withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I received an initial collection notice from Jefferson Capital Systems regarding an alleged credit card debt in the amount of {$2200.00}. On XX/XX/year>, I sent a formal written dispute and request for validation pursuant to the Fair Debt Collection Practices Act. In that letter, I requested specific documentation, including a signed agreement, complete account history, and a full chain of title demonstrating the companys legal authority to collect. Jefferson Capital Systems did not provide the requested validation. Instead, on XX/XX/year>, the company sent another collection letter offering payment options and requesting payment on the account. This communication did not include any of the documentation I requested and does not constitute proper validation of the alleged debt. At no point did the company provide : * A signed agreement or contract * A complete chain of title * Documentation establishing that I am legally obligated Despite the account being formally disputed, the company continued collection activity without providing validation. I believe this conduct is misleading and unfair, as the company is attempting to collect a debt without properly validating it after receiving a timely dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This hard inquiry is not connected to any action taken by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: MS

Complaint narrative:
They have sent texts to my mother and other relatives about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint regarding a series of operational and system failures by Chase Bank that rendered my credit card account inaccessible and prevented me from fulfilling my repayment obligations. This issue has persisted for several months since XX/XX/year>. At the outset, I requested that my credit card account be linked with my checking account. Due to an error by a bank representative, my credit card account became unrecognizable within Chases internal system. As a result : Branch staff were unable to locate or access my credit card account Customer service representatives were also unable to identify the account I was effectively prevented from making payments, despite repeated attempts Throughout this period, I made multiple proactive efforts to contact Chase and resolve the issue. I consistently demonstrated a clear and ongoing intention to repay my balance. However, due to system and operational failures, I was technically unable to complete payments through available channels. Despite these limitations : I continued to be held to payment deadlines Interest charges accrued My credit card rewards/points expired due to system delays and lack of account access After being contacted by Chase, I made a minimum payment of {$270.00} in XXXX, and I continued making payments thereafter whenever possible, further demonstrating my good-faith effort to meet my obligations. Subsequently, I closed the account and paid down the balance. However, even after closure and ongoing payments : Interest charges continued to accrue I continued receiving payment demands for amounts that are not legitimately owed This situation has persisted over several months and has resulted in substantial : Time expenditure Administrative burden Stress and inconvenience Potential negative impact on my credit profile This matter does not arise from customer negligence or failure to pay. Rather, it is the result of : Bank operational error System failure that prevented account access and payment capability Continued billing and interest accrual despite these conditions Ongoing collection activity after account closure I was placed in a situation where I was required to make payments but was prevented from doing so by the banks own systems and processes. This issue may have resulted in inaccurate or potentially negative credit reporting, which requires urgent review and correction. I have made repeated good-faith efforts to resolve this issue directly with Chase through branch visits and customer service interactions. Despite these efforts, the issue has not been adequately addressed. I am therefore seeking regulatory assistance to ensure proper resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
XXXX disputes initiated for being over charge for XXXX same day XXXX transactions. Started going back months and found that I have been getting charged XXXX daily XXXX transactions when ai only went there once daily. XXXX bank ordered a replacement debit card with no notification XXXX banks closed account without notification casing major hardship and strain XXXX Contacted bank seeking assistance, advised account closed because its there right XXXX uploaded document demanding immediate release of funds To date, no response

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 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: SD

Complaint narrative:
I started receiving calls from XXXX XXXX saying I owed a debt. I didn't recall ever getting a bill for the amount I'm being told I owe ( $ XXXX ), and now I just received notice from the clerk of courts that I owe more ( almost {$800.00} ). When I spoke to XXXX she was condescending and dismissive, basically treating me like a XXXX XXXX. I received a letter a bit ago that I could make payments online, and when I tried I was told ( through chat ) that XXXX said I couldn't do that. After receiving the clerk of courts letter we called the business and were told there's nothing we can do now that it's in the courts. So basically they're content to XXXX us over with no resolution.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
ALLY FINCL is falsely reporting on my credit. I have never had any accounts with them. Per my research ALLY FINCL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding my auto loan and the handling of my vehicle after repossession. My vehicle was repossessed on XX/XX/year>. I was given until XX/XX/year> to redeem it. Although I made my payment shortly after this deadline, the vehicle was sent to auction. I later retrieved the vehicle, but significant issues occurred due to the companys actions. First, all of my personal belongings inside the vehicle were discarded without giving me a fair opportunity to retrieve them. These included essential and valuable items such as childrens equipment, jewelry, prescription glasses, and personal property. Second, after retrieving the vehicle, I was unable to register or legally operate it because the title was no longer in my name. Despite submitting required documents, the company delayed resolving this issue for months and denied me permission to register the vehicle during that time. As a result, I was unable to legally use the vehicle but was still held responsible for payments. This caused financial hardship and account delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have used XXXX to help make the issue as clear as possible. Please see the summary below : Issue : Wells Fargo is withholding a {$4300.00} refund and demanding I sign a false affidavit. Summary : Wells Fargo processed a duplicate payment on my closed credit card account, resulting in an overpayment of approximately {$4300.00}. They issued a refund check but sent it to the wrong address. The check was returned to Wells Fargo, and they have confirmed they received it back. Despite this, they have refused to reissue the refund unless I sign a lost check affidavit that contains false statements and shifts liability onto me. I have been trying to resolve this for over two months, and Wells Fargo continues to delay returning my funds. Details : Wells Fargo mistakenly processed a final payment twice on my closed credit card account. This resulted in an overpayment of approximately {$4300.00}. Wells Fargo issued a refund check but sent it to the wrong address ( their error ). The check was never in my possession and was returned to Wells Fargo. Wells Fargo has confirmed they received the returned check. Despite this, they have repeatedly refused to reissue the refund unless I sign a lost or destroyed check affidavit. The affidavit requires me to falsely state that I lost or destroyed the check, agree to pay stoppayment fees, and accept liability for any claims on the original check. None of these statements are true, and I should not be required to sign a false legal document to receive a refund for the banks own error. I have contacted Wells Fargo multiple times ( at least five separate calls ) and have been told each time that a new check was being issued. Instead, I repeatedly receive the same affidavit form. I have been escalated to the Wells Fargo Executive Office, but the issue remains unresolved. Wells Fargo has held my money for over two months, causing financial stress and hardship. As of today, they claim a check has been reissued, but based on prior experience, I have little confidence this is true. What I am requesting : I am requesting that Wells Fargo immediately reissue my refund check without requiring me to sign a false affidavit, and that they return the funds they have been improperly holding for over two months. I am also requesting that the CFPB review Wells Fargos handling of this matter, including : Sending a refund check to the wrong address Requiring a false affidavit despite having the original check in their possession Repeated delays and misinformation Failure of the Executive Office to resolve the issue Withholding of funds that are rightfully mine

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
In XX/XX/year>, PayPal notified me that my account had been placed under limitation, restricting access to my funds until I verified my identity and the nature of my business. I found this request unusual, as I had already completed the same verification process last year without issue. Despite this, I promptly resubmitted all requested documentation in XXXX. In XX/XX/year>, PayPal requested the exact same information again, which I once more provided in full and without delay. According to PayPals stated review timeline, these matters are typically resolved within five ( 5 ) business days. However, the limitation has still not been lifted. On XX/XX/year>, I contacted customer service to follow up. The representative informed me that my case had been escalated and that I should expect an update within three ( 3 ) additional business days. As of today, I have not received any communication or resolution. My funds remain inaccessible, significantly impacting my business operations. The prolonged hold on my account, despite my full cooperation and timely submission of all requested documentation, is unreasonable and unacceptable. I respectfully request immediate review and removal of the account limitation, as well as prompt release of my funds. If additional information is required, I am prepared to provide it immediately. However, continued delays without explanation are causing unnecessary disruption to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally appeal your denial of my fraud claim regarding unauthorized transactions totaling over {$2400.00} from my accounts. The disputed activity consists of an unauthorized transfer of funds from my savings account into my checking account, followed by three withdrawals. These transactions occurred on XX/XX/year>, and I did not authorize, initiate, or have any knowledge of this activity. Your denial cites that the card was in my possession at the time of the disputed activity and that there were no further card-present transactions after the card was closed. I respectfully dispute this conclusion. Under Regulation E of the Electronic Fund Transfer Act, unauthorized electronic fund transfers are defined as transfers initiated without the consumers authority and from which the consumer receives no benefit. I meet this definition. Possession of my debit card does not constitute proof that I authorized these transactions, nor does it eliminate the possibility of electronic fraud, account compromise, or unauthorized access through other means. Additionally, the transaction pattern, an internal transfer immediately followed by rapid withdrawals, is consistent with known fraud schemes and does not reflect my normal account activity. If this matter is not resolved appropriately, I am prepared to escalate this dispute to pursue recovery through legal means if necessary.

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 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting a fraudulent account on my credit report. I did not open, authorize, or enter into any agreement related to this account. This account is the result of identity theft. I have filed an Identity Theft Report with the Federal Trade Commission and provided notice that this account is not mine. Additionally, this account was previously removed from my XXXX credit file on XX/XX/year>, but has since been reinserted, which is a violation of the Fair Credit Reporting Act. XXXX XXXX XXXX has failed to ensure the accuracy of the information they are reporting and continues to report this account despite being notified of the fraud. I am requesting : Immediate deletion of this account Proof of verification and documentation bearing my signature Confirmation that this account has been removed from all credit bureaus This inaccurate reporting is negatively impacting my credit and must be corrected immediately.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a XXXX XXXX financed with capital one and had a wreck and it was a total loss. I had full coverage auto insurance and I also had gap insurance on my vehicle. My auto insurance paid everything except of what the gap and dealership was supposed to pay. Fast forward now capital one is saying I still owe them {$1800.00} when I kept telling them over and over my dealership is refusing to send them The refund for my service contract with XXXX. Ive been in communication with both XXXX and the dealership numerous numerous amount of times about this! I shouldnt owe anything on my car loan due to the fact that I had more than enough coverage. The whole Point of XXXX is to pay what the insurance company didnt. XXXX says the dealership is responsible for this {$1800.00} remaining balance not me! On my account it says I am past due with another payment in XXXX! No mam I should not be responsible for this payment. Capital one needs to go behind XXXX AND MY CAR DEALERSHIP, XXXX XXXX IN XXXX AL! Not me. And if they end up putting this past due or late payment on my credit report I will sue!!!

Company response to consumer: Closed with explanation