vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have multiple dates on my bank statements the whole way back to XXXX of XXXX. There are multiple charges, ones that I did not authorize, double charges, tripple charges. Most of the charges were on dates that I was working in a coompletely different county in the opposite direction. I reached out to M & T Bank about the issue when I noticed it starting XX/XX/XXXX. The bank manager told me that I needed to file a police report, otherwise all investigations will not hold. I got the polive report. I submited my PTO that I took during the time fram of the charges, I cross referenced appointments as well. My Daughter stated in the police report that she seen someone writing down my card information. Per M & T, all charges were processed via XXXX. That is impossible. I reached out again and the branch manager said " I dont know what more you want me to do, they will not dispute the charges ''. I asked for a call back from her supervisor, I never received a phone call back. I requested the Managers Supervior give me a call back on XX/XX/XXXX, still no returned phone call. I have been in contact with the branch Manager multiple times starting rougly the beginning of XX/XX/XXXX. Now that I am aware of what needs to be documented, I have started to keep those records. At this time, no further action has been taken, no further communication in regards to the matter, and now I choose to take the proper steps.

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 — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: CA

Complaint narrative:
I agreed to a small loan of {$350.00} on XX/XX/year>XXXX and it was effective XX/XX/year>. I didnt see any sort of annual percentage rate listed before I signed and agreed to this contract. The APR rate is 642 % which I would definitely not have agreed to if I had clearly seen it. The scheduled payments are bi-weekly of {$93.00} and I currently have paid a total of {$460.00}. They are telling me Im able to pay a total of {$600.00} as a settlement option on top of what I have paid to clear the collection. I have contacted my bank and received a credit of the {$460.00} back but am not sure if that will stay or not. My bank has taken this lending company off of charging my bank account which is when they called and offered me this settlement fee.

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 — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have not had access to my money from JP Morden checking account on the XXXX. They told me they closed the account that they were mailing me a check even though I requested transfers to my XXXX account they never transferred the money. They actually put in a request and put money out of my XXXX bank and put it into XXXX without my permission. Everybody I have spoke to has been in XXXX. They are rude. They are nasty. I just spoke to another guy I have not had access to XXXX dime of my money since the XXXX. Today is the XXXX XXXX they have they told me theres nothing they can do to transfer my money out of that account that I have to wait for them to actually close the account then they will mail me a cashier check. They would not give me a date of when I am gon na have my money. How am I supposed to feed myself? How can it be legal that they will not give me my money I have put in several complaints with you right after they received the first complaint I put in with you. They took it upon themselves to close my account before transferring all my money out. I believe they did this in retaliation if you heard the way they spoke to me on the phone. They are rude. They are nasty. You can barely understand what they say. I can not wait till they decide to give me my money I do not have a dime to buy food. He said sorry nothing I can do and hung up on me. Somebody please help me get my money from this bank XXXX into my other bank please help.

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 with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I have made five written requests for transaction documentation, and the company has failed to respond. They are holding me responsible for a charge while refusing to provide evidence or communicate. I am providing a clear timeline regarding the disputed {$59.00} charge. I was traveling on a cruise to XXXX ( arrived via ship at XXXX boarded at XXXX ) at the time of the transaction. During that trip, I used my card only once for an in-person purchase at a pharmacy. I did not use my card at any hotel or for any gaming-related purchase. Shortly after that single transaction, a {$59.00} charge appeared that I did not authorize. This transaction does not match my usage, location, or purchasing behavior. I have not provided my card to anyone else, and I did not conduct any additional transactions during that time. Based on this, my card information was likely compromised during or after the pharmacy transaction. I have requested documentation showing how this transaction was authenticated and have not received a response. I am formally disputing this charge and request that it be removed unless verifiable evidence can be provided that I authorized it.

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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Complaint Description I am reporting an unauthorized account takeover involving two fraudulent transaction processed through a digital wallet service. My XXXX were compromised and accessed by an unknown third party without my authorization. The attacker gained access to my account credentials and initiated a purchases on my paypal account, I did not approve, initiate, or authorize this transaction in any way. PayPal s incorrectly classifying this as an authorized login transaction. A successful login does not mean the transaction was authorized by me, as my account credentials were stolen and used by a third party through an account takeover. Despite clear evidence of fraud, including account compromise, the company has refused to treat this as unauthorized activity. However, my bank XXXX, has already reversed the transaction and confirmed it was fraudulent. What I am requesting : Reclassification of this incident as unauthorized account takeover fraud Full reimbursement/confirmation of zero liability A full investigation into the login activity ( IP addresses, device fingerprints, session logs, and authentication history ) Review of any SIM swap or credential compromise indicators tied to the account access Coordination with the payment platform to identify and freeze the receiving account This is a clear case of account takeover fraud, not a user-authorized transaction. I am requesting a formal review and correction of the institutions determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
b"I am filing against Capital One, N.A. for failure to conduct a substantive investigation of a Regulation E billing error notice. My position is not that Capital One failed to respond within the regulatory window. It is that Capital One's response reveals the absence of the investigation the regulation requires.\n\nOn XX/XX/2026, I delivered a formal written Reg E billing error notice to Capital One regarding Account ending XXXX. It was received XX/XX/2026 via XXXX tracking XXXX XXXX XXXX. The notice identified a net disputed amount of $XXXX (XXXX unauthorized XXXX XXXX debits totaling $XXXX, plus XXXX unauthorized XXXX XXXX-network transactions totaling $XXXX, less $XXXX in XXXX-initiated credits). It included the full transaction inventory, legal basis (XXXX XXXX data breach of XX/XX/2026; XXXX unauthorized charges; XXXX XXXX structural deficiencies), and requested remedies.\n\nOn XX/XX/2026, twelve calendar days after receipt, Capital One opened four fragmentary claims, each demanding a separate Written Statement of Unauthorized Debit form within ten business days:\n\nClaim XXXX: $XXXX Claim XXXX: $XXXX Claim XXXX: $XXXX Claim XXXX: $XXXX\n\nThese four claims sum to $XXXX. My letter disputed $XXXX. The variance of $XXXX is numerically identical to the $XXXX in XXXX-initiated credits disclosed in my letter. Capital One's scoping extracted that detail but did not arrive at my stated total. The letter was in the file but not read for substance.\n\nCapital One also issued one partial provisional credit of $XXXX (XXXX line items, $XXXX to $XXXX). That is approximately 12% of the disputed amount. No reconciliation, claim cross-reference, or 1005.11(d) completion notice accompanied it. It does not satisfy 12 C.F.R. 1005.11(c)(2).\n\nThe four-claim split cannot be reconciled to my letter. The demand that I now re-produce on four parallel forms the information the letter already contained is not an investigation step. It is a mechanism by which Capital One's own failure to read the notice becomes an additional consumer burden.\n\nI am also concerned this pattern Reg E notice ignored, phone call required, phone call redirected to additional written submission duplicating the original is consistent across multiple institutions (XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX). It warrants Bureau attention as a potential industry practice of regulatory posture without substantive review.\n\nRelated CFPB IDs: XXXX, XXXX, XXXX. FDIC cases: XXXX, XXXX."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Dave Operating, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, and I'm writing to you today with a bit of a tricky situation regarding my account. I've been a banking with Dave for quite a few years now, and I'm really hoping we can get this sorted out. Recently, my account was put on hold, which means I currently can't access any of my funds. This happened because of a dispute I initially filed. However, here 's where it gets a little complicated : the merchant involved actually processed a refund directly back to my account. As soon as that happened, I promptly withdrew the dispute on my end. Despite the merchant issue being resolved and me withdrawing the dispute, my account is still locked. I've been trying to get to the bottom of this for a while now I've sent more than thirty emails and even followed up with a couple of faxes, but I haven't been able to get a clear or consistent response. To add to the confusion, I even received an email stating that my dispute was resolved, which clearly isn't the case given my account status. This whole ordeal has honestly put me in a really tough spot financially, and it's created quite a bit of hardship for me. I've kept a thorough record of everything, including all the emails, faxes, and relevant documentation, which I'm happy to provide at any point. I'm really hoping we can find a way to fix this quickly. I've even felt compelled to reach out to the XXXX XXXX XXXX as a last resort, simply because I'm so eager to get this resolved. Could someone please take an urgent look into this and help me regain access to my account? I'd truly appreciate a direct contact to discuss this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I got a message that my credit dropped from XXXX to XXXX from XXXX, for a debt. I owe XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX, # XXXX never contacted me via email or text. I have documentation from XXXX XXXX that states that I have a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/year> Capital One received my written billing dispute via certified mail regarding a {$71.00} transaction. As of XX/XX/year> I have not received the required acknowledgement of the dispute. This is now beyond the 30-day acknowledgement window required for written billing error disputes. I am requesting the account be credited and the matter investigated properly.

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 — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
I have spoke to Cash app customer support every day multiple times a day since XX/XX/XXXX. Every time I call they tell me that I need to call back or that I need to wait XXXX hours and call back. I have emails back-and-forth from a customer service manager where I have provided all of my information to access my account and they still will not let me access it they will not merge it to my new account. They will not close it. They will not do anything to help me. I lost access to my old cell phone number and my old email address. I gave them all the information from my old account to regain access and they told me to make a new account and they can merge them. I made a new account and now they can not merge them. They said. Ill call back every single day multiple times a day and nobody is telling me why they can not get me into my account. I have offered to send my drivers license and my Social Security number to prove that the account is in fact mine. I have money in my account that they will not issue a check for and they will not help me gain access to. I have screenshots in the email thread that I can send to provide proof that they are not providing me access to my account when I have all of the information

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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Over the weekend, I lost my wallet. After obtaining a replacement ID and bringing my birth certificate, I went to a local branch with the intent to cancel my debit card and receive a new one. During this visit, I was treated unprofessionally and denied assistance despite providing valid identification. I was instructed to go to another branch. I followed those instructions, went to the XXXX branch, and was able to obtain a replacement card without issue. After receiving my new card, I returned to the original branch because I intended to withdraw my funds and discontinue doing business with Regions due to how I was treated. At that time, I was again denied access to my funds without a clear explanation. Shortly after this interaction, a no debit restriction was placed on my account, preventing me from accessing my money. Prior to this, my account had been active and functioning normally for approximately two months, including after receiving legitimate Treasury deposits exceeding {$35000.00}. I had conducted multiple transactions without any issues. After the restriction was placed, I was given multiple inconsistent explanations, including : - That my business was outside their footprint - That additional documentation was required - That an operating agreement was needed No such documentation had been requested prior to my attempt to withdraw funds. I submitted the requested operating agreement on XX/XX/year>. Despite complying with this request, my account has remained restricted for several days, and I am still unable to access my funds. Additionally, when I contacted corporate representatives, they initially could not identify a clear reason for the restriction. Given the timing of events, the inconsistent explanations, and the fact that the restriction occurred only after I attempted to withdraw my funds following negative treatment at the branch, I believe this action was not based on a clear or consistently applied policy. The situation has caused me to feel that I was treated unfairly. I am requesting : 1. Immediate removal of the no debit restriction 2. Full access to my funds 3. A written explanation citing the specific policy used to justify this restriction

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 2026-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EGL US, LLC
State: FL

Complaint narrative:
XX/XX/year> RE : Debt Validation Request FDCPA Violation Notice To Whom It May Concern : This is a formal request for validation of the alleged debt you are reporting under the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692g, I am requesting full validation of this debt. I do not acknowledge this account. Provide the following : Original signed contract Full account history Chain of custody of the debt Proof you are licensed to collect in my state Complete balance breakdown Under 15 U.S.C. 1692e, you may not report inaccurate or misleading information. Under 15 U.S.C. 1692f, you may not use unfair collection practices. Under 15 U.S.C. 1692c ( c ), you must cease communication and collection activity until validation is provided. If you can not validate this debt : 1. You must DELETE this account from all credit bureaus 2. Cease all reporting immediately Failure to comply will result in complaints filed with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - State Attorney General Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Formal Complaint Inaccurate Credit Reporting, Unauthorized Accounts, and Employment Harm Dear Consumer, Financial Protection Bureau, I am submitting this formal complaint regarding inaccurate and disputed information being reported on my consumer credit file that is causing immediate harm to my employment opportunity. A contingent offer of employment in the banking industry has been placed on hold after a background screening identified negative credit information that I dispute. I recently obtained and reviewed my consumer report and discovered several negative accounts that I did not open, did not authorize, and was previously unaware of. These accounts are being reported as my individual responsibility. I dispute the ownership, authorization, accuracy, and completeness of these tradelines. The accounts currently disputed include, but may not be limited to : XXXX / XXXX Cards Reported opened XX/XX/XXXX, charged off, balance approximately {$1700.00}. XXXX XXXX Reported opened XX/XX/XXXX, charged off, balance approximately {$9200.00}. XXXX XXXX / XXXX XXXX Reported opened XX/XX/XXXX, charged off, balance approximately {$470.00}. XXXX / XXXX XXXX Reported opened XX/XX/XXXX, charged off, balance approximately {$450.00}. Midland Credit Management Collection account approximately {$1900.00} allegedly tied to disputed XXXX debt. XXXX XXXX XXXX XXXX account approximately {$1600.00} allegedly tied to disputed XXXX debt. These items appear on my XXXX report dated XX/XX/XXXX. The same report also reflects numerous variations of my name and multiple addresses, several already marked under dispute, which raises concern regarding mixed-file reporting, inaccurate personal identifiers, or unauthorized account activity. I am requesting immediate assistance and investigation into the following issues : Require the consumer reporting agencies and furnishers to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. Require each furnisher to provide documentary evidence that I opened or authorized these accounts, including signed applications, account-opening records, identity verification used, addresses used, and method of application. Remove any account that can not be fully verified or was opened without my authorization. Correct inaccurate personal information, addresses, aliases, or mixed-file data associated with my report. Ensure collection agencies cease reporting unverified debts tied to disputed underlying accounts. Expedite review due to employment harm, as this inaccurate reporting has directly impacted my ability to begin work. I take financial integrity seriously and acted promptly once I became aware of these matters. I respectfully request prompt intervention and written confirmation of actions taken. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hackers got into my Wells Fargo Savings Account and made two wire transfers. One was {$9700.00} and the other made immediately after that one was for {$14000.00}. I noticed them the following day. I did not authorize these transactions and do not share my information with anyone. I do not know the Recipients. One was XXXX XXXX and the other XXXX XXXX. ( fake names for sure ) Wells Fargo did not flag these as suspicious activity which is suspicious in and of itself. I wasn't called, emailed the receipt, texted... no contact whatsoever. They just allowed these wire transfers to go unnoticed, undetected until I logged on the following day just by XXXX luck. I do not believe Wells Fargo 's Fraud detection system that they allegedly have in place was effective.

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