vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: AZ

Complaint narrative:
Background I am the owner of a legally registered XXXX in Arizona. In early 2026, I opened a PayPal XXXX account to receive payments for my consulting services. The Problem XXXX. Account Blocked Without Clear Reason : Shortly after opening the account, PayPal blocked my account features, requiring XXXX XXXX. XXXX. XXXX XXXX XXXX Failure : I attempted to verify my XXXX multiple times. The system displayed " XXXX has been saved successfully, '' but the verification step never updated. This is a technical failure on PayPal 's end, not an issue with my information. XXXX. XXXX Customer Service : - PayPal 's customer service is outsourced to call centers where representatives have heavy accents that are difficult to understand. - I am deaf/hard of hearing ( cochlear implant user ) and can not effectively communicate via phone. This is a XXXX accommodation issue. - PayPal 's chat support ( " PayPal XXXX '' ) is an AI bot that can not resolve technical issues. - When I requested to speak with a human agent, I was told human agents are only available during limited hours. XXXX. Funds Held : I transferred {$10.00} to test the account before it was blocked. This money is now inaccessible. XXXX. XXXX XXXX : - If my account was " permanently deactivated, '' why did PayPal continue to require me to complete XXXX ID verification? - I completed the XXXX ID verification, and it was Confirmed. - Yet the account remains blocked. - And PayPal still accepted my {$10.00} transfer into a blocked account. - This is absurd : either the account is permanently closed ( and should not accept money or require verification ), or it is not ( and should be restored after verification is complete ). XXXX. Customer Service Misconduct : - On XX/XX/year>, I contacted PayPal chat support. Reference ID : XXXX. - The agent " XXXX '' joined the chat but did not respond to my messages for an extended period. - The agent only responded AFTER I mentioned filing a CFPB complaint. - The agent claimed : " Your account was permanently deactivated XXXX days ago, we emailed you about this. '' - This is false : I only registered the account approximately XXXX days before. How could it be " permanently deactivated XXXX days ago ''? - The conversation was then immediately closed, preventing me from asking follow-up questions. XXXX Compliance Concern As a person with a hearing XXXX ( cochlear implant user ), I can not use phone-based communication at all. I require text-based customer service options. PayPal 's reliance on : XXXX. Phone-based verification systems XXXX. Outsourced call centers ( which I can not use ) XXXX. AI chatbots that can not resolve real issues ... creates an accessibility barrier that may violate the Americans with XXXX XXXX ( XXXX ). PayPal does not provide adequate text-based support with human agents for users who can not use phone services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am submitting this complaint regarding my U.S. Bank ReliaCard account, which is used to access my funds. I am currently being denied access to my money due to inconsistent and unsupported actions taken by U.S. Bank. On XX/XX/XXXX of 2026, my card was blocked while I was attempting to make purchases. I immediately contacted U.S. Bank for clarification. During my first call, I was told that my card was blocked because I had exceeded a transaction limit. However, upon reviewing my account, I had only made approximately XXXX transactions, while I was told the limit was XXXX transactions. This explanation was inconsistent with my actual usage. I called a second time to seek clarification. During this call, I was given a completely different reason. I was told that my card was blocked due to multiple failed attempts entering my XXXX code. This statement is inaccurate. I have a recorded phone call demonstrating that I entered my XXXX correctly, but the system failed to recognize it. I was required to enter the XXXX XXXX times, and it was only accepted on the third attempt. This indicates a potential system error, not user error. Despite explaining this and providing context, I was told by a representative named XXXX that there was nothing that could be done to unblock my card. As a result, I have been denied access to my funds without a valid or consistent explanation. U.S. Bank has : Provided conflicting reasons for blocking my account. Failed to acknowledge or investigate a potential system error. Denied me timely access to my funds Refused to provide a meaningful resolution or escalation. This situation has caused significant hardship, as I rely on these funds for essential expenses. This issue raises serious concerns about U.S. Banks handling of account restrictions and error resolution. The inconsistent explanations and failure to restore access suggest a lack of proper investigation and due process.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am disputing unauthorized charges totaling {$680.00} made on XX/XX/year>. These transactions were made via XXXX XXXX using XXXX for XXXX purchases by my minor child, who was XXXX XXXX XXXX at the time, without my knowledge or permission. I did not authorize these purchases. A minor is not legally able to enter into binding financial transactions, and these charges were made without valid authorization. I have made multiple attempts to resolve this issue with XXXX, XXXX, and XXXX, but they have not provided a resolution. I am requesting that these charges be investigated and reversed as unauthorized transactions.

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding improper charges and credit reporting on my auto lease account ( XXXX XXXX ) for a XXXX XXXX XXXX. On XX/XX/XXXX, I traded in my leased vehicle at XXXX XXXX XXXX when leasing a new vehicle. At that time, I relinquished possession of the vehicle to the dealership. The dealership explicitly represented that they would handle all paperwork and financial obligations necessary to terminate my lease, including any required dealer buyout. Approximately XXXX days later, I began receiving notices from Santander stating that my payments were past due. Beginning in XX/XX/XXXX, I contacted Santander multiple times and informed representatives that I no longer possessed the vehicle and that it had been turned over to the dealership. Despite these notifications, no corrective action was taken. I was later informed that the dealership failed to complete the required dealer buyout and that the vehicle was not properly processed until it was eventually sold on XX/XX/XXXX. I am now being charged {$2300.00} for early termination fees, unpaid lease payments, and related charges. Additionally, my credit has been negatively impacted. I did not have possession or control of the vehicle after XX/XX/XXXX, and I had no ability to complete a dealer buyout myself. The failure to terminate the lease properly was due to dealership error, not consumer default. I am requesting : XXXX. Immediate removal of all charges totaling {$2300.00} XXXX. Correction of any negative credit reporting associated with this account XXXX. Written confirmation that my account is resolved with a XXXX balance I have acted in good faith and made multiple attempts to resolve this issue. I request prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, my husband and I visited the emergency room at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. We were charged approximately {$500.00} for both of us for a vaccine we received during that visit. A few weeks later, we received a full refund of that amount with no explanation from XXXXXXXX XXXX XXXXXXXX XXXX XXXX as to why. Approximately XXXX months later, in XX/XX/XXXX, I received a text message from Alliance Collections notifying me of an unpaid balance of {$300.00} owed to XXXXXXXX XXXX XXXXXXXX XXXX XXXX. This was the first and only notification I ever received regarding this debt. When I contacted XXXX, they claimed they sent a bill to an email address on file, an email address I never consented to receive bills at and never opted into paperless billing for. They also claimed they mailed a physical bill to my address XXXX. I have lived at my current address since XXXX and never received any correspondence from XXXX regarding this balance. I was never given the opportunity to pay or dispute this bill before it was sent to collections. Had I been properly notified, I would have paid it immediately. XXXXXXXX XXXX XXXXXXXX XXXX XXXX has refused to recall the debt from Alliance Collections despite my never receiving any notice. I am requesting the Attorney General 's office investigate XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX billing practices, specifically their failure to properly notify patients before sending balances to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX at XXXX illegally sent XXXX a statement saying funds were due to Chase when I do not have an account at Chase. The amount of funds are {$91000.00}. This amount is due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am disputing the validity of the deficiency balance reported on this account following repossession. According to the companys response, the vehicle was sold for {$470.00} after repossession. This amount appears significantly below a reasonable market value for a XX/XX/XXXX XXXX and raises concerns about whether the sale was conducted in a commercially reasonable manner. The company also states that required notices related to the repossession and sale were sent to an address that was not my current address. Because of this, I was not properly notified and was unable to redeem the vehicle or monitor the sale process. Additionally, the company has not provided sufficient documentation to fully support the deficiency balance, including detailed auction records, bidding information, or a complete itemization and justification of all fees and charges added. Due to these issues, I am disputing the accuracy and validity of the reported balance. This directly impacts the accuracy of the balance being reported to the credit bureaus

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 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX regarding the restriction of my account despite full repayment. The balance referenced was tied to an order from XXXX XXXX that I never received. At the time of the issue, I contacted XXXX and was instructed to resolve it directly with the merchant. The merchant did not resolve the issue, and I did not receive the product. Because the issue was not properly handled at the time, the balance remained and became significantly overdue over several years. I have since paid the balance in full. XXXX is now permanently denying me access to their services based solely on the overdue history, without properly considering that the original charge involved goods not received and that I followed their instructions when attempting to resolve the issue. I am requesting a formal and fair review of my account, including my dispute history, and reconsideration of the permanent restriction. Additionally, I am requesting documentation showing how this decision was made and whether the original dispute regarding non-receipt of goods was ever investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am writing to file a formal complaint against American Express regarding XXXX related concerns : ( XXXX ) their refusal to reduce my annual percentage rate ( XXXX ) despite my consistent payment history, and ( XXXX ) what I believe to be a pattern of predatory credit limit increases. I have been an American Express cardholder since XX/XX/XXXX. Throughout this entire period, I have never missed a payment and have consistently paid more than the minimum amount due each billing cycle. Despite this strong repayment record, my XXXX has never been reduced. When I contacted American Express customer service and subsequently their customer retention department to request a temporary rate reduction to help me pay off my balance, both departments refused. The representatives cited the current economic climate and geopolitical events as justification, but offered no concrete explanation for why my individual account, with its exemplary payment history, does not qualify for any rate relief. I was also told that XXXX is reviewed every XXXX months. Over nearly XXXX years of account history, that represents multiple review cycles none of which resulted in any reduction for a customer who has demonstrated consistent, responsible payment behavior. I am particularly concerned about a pattern of unsolicited credit limit increases that I believe were not in my financial interest : XX/XX/XXXX : Account opened with a {$6000.00} credit limit. XX/XX/XXXX : Just XXXX months after opening the account, while carrying a {$3000.00} balance, American Express increased my credit limit to {$11000.00} nearly doubling it at a time when I was already in debt. XXXX : American Express increased my credit limit again, further expanding my available credit despite my ongoing balance. These repeated increases were made with full knowledge of my spending habits and outstanding balance. Rather than helping me manage my debt responsibly, they systematically expanded my available credit in a manner that encouraged further borrowing. I believe this pattern constitutes predatory lending behavior, as it prioritized American Expresss interest in generating interest income over my financial well-being as a consumer. I am requesting that the CFPB investigate American Expresss practices regarding : A pattern of unsolicited credit limit increases extended to a customer already carrying a balance Failure to reduce XXXX for a long-standing customer with a strong, consistent payment history The lack of meaningful assistance when a consumer proactively seeks help managing debt I am happy to provide any supporting documentation, including account statements and records of my communications with American Express . I appreciate the CFPBs attention to this matter and its commitment to protecting consumers from unfair and predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
We have all calls recorded for proof if needed. Our car was repossessed illegally. Capital one created a payment plan agreement that we thought was real turning out to be a plan created without permission. I called to check on plan XX/XX/XXXX and was told it was still active. On XX/XX/XXXX my XXXX was repossessed. After speaking with president of capital one he agrees that the agent XXXX to us, created a plan that was wrong and then XXXX saying it was active. Failed to provide notice of repossession and president admits they didnt because there was never an agreement even though we thought there was. They now are requesting an amount to pay {$3000.00} over what we were told was owed. Say they can provide proof but it will take weeks meanwhile my XXXX is set to be sold XX/XX/XXXX. We have tried to resolve this issues with the company but they continue to drag feet on resolution when time is important in selling my XXXX. Which they illegally took.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells fargo charged me overdraft charges numerous times throughout a year.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
I am a Maryland resident disputing a predatory solar loan under the FTC Holder Rule. I was induced into this {$34000.00} loan by fraudulent handwritten promises of XX/XX/XXXXXXXX in energy value. I am currently in a net financial loss of XX/XX/XXXX XXXX. The Loan is Unconscionable : XX/XX/XXXX. It carries a XXXX term ( XX/XX/XXXX months ) for equipment with a XXXX lifespan. XXXX. Nearly 100 % of my payments are being applied to interest, providing XXXX equity. XXXX. The company is ignoring my formal Certified Mail dispute ( Delivered [ Insert Date ] ) while attempting to trigger an XXXX payment 'jump ' on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: DE

Complaint narrative:
On XXXX XXXXmy Cash App account was accessed without my authorization. During this incident, an unknown individual withdrew {$190.00} from my linked bank account and also opened multiple Cash App Borrow loans totaling over {$200.00} in my name without my knowledge or consent. I immediately took action by filing a police report XXXX XXXXXXXX and disputing the unauthorized bank transactions. My bank has since refunded the {$190.00}, confirming the activity was fraudulent. Despite this, Cash App has denied my dispute and is holding me responsible for repayment of the fraudulent Borrow loans. I did not authorize these loans, did not receive or benefit from the funds, and my account was clearly compromised. I have attached supporting documentation, including : Police report Bank dispute confirmation Screenshots of unauthorized Cash App Borrow loans Cash Apps denial of my claim proof of my device and the device on the unauthorized transactions I am requesting the following resolution : XXXX. Immediate reversal of all fraudulent Cash App Borrow loans XXXX. Written confirmation that I am not responsible for repayment XXXX. Closure of my Cash App account to prevent further unauthorized access Cash App has failed to properly investigate this fraud and has incorrectly determined that these transactions were authorized. I am requesting CFPB assistance to ensure I am not held liable for debt resulting from unauthorized account access.

Company response to consumer: Closed with explanation