vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a {$99.00} purchase on the XXXX XXXX online gaming platform to obtain gameplay services and access to the purchased game features. 

After the transaction was processed, my XXXX XXXX account was restricted, and I was denied access to the gameplay services that I paid for. I was unable to use or benefit from the purchased service. 

I contacted the merchant directly in an attempt to resolve the issue. I requested that my account be restored or that a refund be issued for the undelivered service. The merchant refused to provide a refund and did not restore access to the purchased gameplay. 

Because the service I paid for was not delivered, I filed a credit card dispute with Bank of America under the basis of services not received. 

During the dispute investigation, the merchant ( through their payment processor Coinflow ) submitted a representment packet claiming the payment transaction itself was completed successfully. However, the representment did not address the key issue that access to the paid service was denied after payment. 

On XX/XX/2026, Bank of America issued a denial letter stating that the merchant provided a service and that my dispute was considered to be with a third party. The bank closed the claim and removed any temporary credit, despite the service never being delivered. 

I continue to be denied access to the purchased gameplay, and no refund has been provided. I have therefore submitted a formal appeal to Bank of America requesting reconsideration based on failure to deliver services, and I have prepared a complaint for submission to the Consumer Financial Protection Bureau ( CFPB ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I contacted the credit card company by phone and disputed XXXX different fraudulent charges made on the same day. The credt card company said they would look into it and report back but not give me any details. They eventually refunded the charges and I also received a letter by mail, On XXXX, all XXXX charges were back on my account. I contacted the credit card company again by phone and they said the company decided the charges were not fraud but my credit card company would not give me any details about why or who the company was. It is now XXXX  days later and I have not heard back and the charges have not been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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

Complaint narrative:
In XX/XX/year>, PayPal permanently limited and deactivated my PayPal business account that I used to receive customer payments for my embroidery business.

As a result of this action, PayPal placed my funds on hold and marked them as Not available yet. The total amount currently held is XXXX XXXX, which I am unable to withdraw or access. 

PayPal stated that my account was linked to another account with unresolved issues, but did not provide any clear evidence or specific explanation to support this claim.

These funds are from legitimate customer transactions. I complied with all verification requests and contacted PayPal customer support multiple times, but the permanent limitation and fund hold have not been fairly reviewed or resolved.

This has caused financial harm and disrupted my business operations. I am requesting that PayPal conduct an immediate and fair review of my account, remove the permanent limitation, and release my held funds in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was permanently limited on XXXX XXXX XXXXXX/XX/year>. 
At that time, PayPal informed me that my funds would be held for up to 180 days and then released. 

More than 3 years have passed, and I still have not received my remaining balance. 
There are no open disputes, no chargebacks, and no negative balance on my account. 

According to PayPals own User Agreement ( sections 10.2 and 10.3 ), funds must be released after the 180-day review period.

This prolonged retention of my funds is unreasonable, unfair, and against stated policy. 

I have contacted PayPal multiple times but have not received a proper resolution. 
I am requesting immediate release of my funds and a written explanation for this excessive delay. 

This situation has caused financial harm and distress. 
I am requesting CFPB assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Between XXXX and XX/XX/2025, I used PayPal to make multiple large purchases of textbooks from a merchant operating under the name XXXX. The merchant represented itself as a XXXX seller offering legitimate, authentic academic and professional textbooks. 

After receiving the shipments, I discovered that the books were shipped from XXXX. The shipping labels and tracking information clearly show the origin as XXXX, which was never disclosed on the merchants website or at the time of purchase. This raised immediate concerns regarding authenticity. 

I contacted multiple publishers directly, including the XXXX XXXX XXXX XXXX ( XXXX ) and other academic publishers, and received written confirmation that their books are printed exclusively in the United States and that they do not authorize printing, manufacturing, or binding of their books outside the U.S. The publishers also confirmed that they do not work with overseas binding houses for these titles. 

Based on this information, the books I received are inconsistent with the publishers confirmed printing and manufacturing practices and were therefore not as described and potentially counterfeit. I provided PayPal with substantial evidence, including publisher emails, photographs of the books received, tracking information showing shipment from XXXX, and documentation showing the merchants representations. 

Despite this evidence, PayPal denied and closed my disputes primarily on the basis that some claims were filed outside PayPals stated time window, rather than evaluating the substance of the fraud and misrepresentation. PayPal did not meaningfully address the documented discrepancy between the merchants representations, the foreign shipping origin, and the publishers confirmations. 

As a result, I was left responsible for losses totaling approximately {$140000.00}, which has caused severe financial hardship and placed my business at risk. I believe PayPal failed to properly investigate a clear case of fraud and misrepresentation and relied on procedural timing instead of the material evidence provided. At no point did PayPal dispute the authenticity of the publisher confirmations, the accuracy of the tracking information, or the discrepancy between the merchants representations and the actual origin of the goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a balance transfer that was expiring and made a full payment to avoid interest fee. however, the payment was applied to another balance transfer that was due at later time that had a XXXX  % Apr. I contacted customer service to change the allocated payment and to reverse the interest fees. They advised me that payments are always applied to the balance with the highest Apr. they escalated the issue to a higher up upon my request. A few weeks later, I received a letter by mail that stated that it is their policy to apply payments with the highest Apr. 

From what I understand under the Credit CARD Act and Regulation Z ( 12 CFR 1026.53 ), during the last XXXX billing cycles before a promotional or deferred interest period ends, any amount paid in excess of the minimum payment must be applied first to the balance for which the promotional period is ending, even if another balance has a higher APR or expires later. Citibanks payment allocation does not comply with this requirement and prevented me from paying down the expiring promotional balance before the deadline causing me to acquire more interest fees than I should have and paid another balance transfer fee to take my balance out of Citibank. As you can see, I have never missed any payment, I have great credit history, and credit score.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Re : Credit Report Dispute Inaccurate Balance, Status, and Charge-Off Reporting I am formally disputing inaccurate information being reported by Synchrony Bank on my credit file with XXXX XXXX XXXX XXXX. 
See also CFPB XXXX XXXX. 
In attachment 1, Synchrony Bank states : We stress compliance is very important to Synchrony, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our account holders in a timely and satisfactory manner. 
Attachments 2, 3, and 4 show Synchrony Bank reporting a {$22000.00} past-due balance and charge-off, while simultaneously reporting {$25000.00} written off, despite having accepted a settlement of {$11000.00} and participating in an active payment plan administered by XXXX XXXX with a XXXX XXXX of {$7900.00}. See attachment 5.

Attachment 6 is Synchrony Banks letter letting me know that they closed my credit card account. Note that the letter is dated XX/XX/XXXX, the same day I attempted to use the card to buy groceries and was denied. And, since the letter was dated XX/XX/XXXX, I did not receive this letter until 2 weeks later. 
Per Synchrony Banks response : On XX/XX/XXXX, your account was closed. Synchrony sent a letter to you advising of this decision. The specific reason for the action were articulated in the letter. For your records, we have also enclosed a copy of that letter. 
Note, attachment 6 shows that the specific reasonarticulated states that Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. Strange, all my accounts with Synchrony Bank were all paid. Some of them were paid through a Debt Relief Program, but THEY WERE ALL PAID. 
Attachments 7 and 8 further show the inaccuracies made by Synchrony Bank. Attachment 7, from XXXX, shows that Synchrony Bank, again closed my XXXX account for an unknown reason. And, reported that the last payment date was XX/XX/XXXX. However, attachment 8, from Transunion, shows the last payment date was XX/XX/XXXX. But, the worst part shown on these attachments, is that for an unknown reason, Synchrony Bank decided to report the XX/XX/XXXX payment as being 30 days late. But, then reported that the XXXX, XXXX, and XX/XX/XXXX payments were on time. Wait, how can the XXXX and XXXX payments be on time, when the last payment date was in XX/XX/XXXX. 
All of these prove that Synchrony Banks reporting is inaccurate, internally contradictory, and materially misleading. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please investigate and : Verify the correct balance Correct or delete inaccurate data Remove all derogatory data Provide written results of your investigation Attached documentation substantiates this dispute.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I noticed and over the limit notification emailed to me when I did not make a purchase either the minimum b as XXXX on the card I have, I reviewed my transaction HISTORY and have NEVER seen a membership fee for {$39.00} until XX/XX/year>. 

Capital one is stealing customers money by imposing fees that they just assume they can imply on customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced account that LVNV Funding claims to have acquired from XXXX  XXXX XXXX  XXXX 

This account was settled in XX/XX/year> for the agreed-upon amount of {$220.00} and paid directly over the phone for {$220.00}. Because the debt was fully satisfied prior to any alleged sale or transfer, LVNV Funding has no legal right to collect, attempt collection, or report this account to any consumer reporting agency. 

Pursuant to 15 U.S.C. 1666 ( b ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), this debt is disputed in its entirety. Reporting or attempting to collect a debt that has already been settled constitutes inaccurate reporting and may represent unlawful collection activity. 

I am demanding that this account be deleted immediately from Experian, Equifax, and TransUnion, and that all collection activity cease at once. Any continued reporting, verification, or transfer of this settled account will be documented as a knowing violation of federal law. 

Please provide written confirmation that this account has been permanently deleted from all consumer reporting agencies and that no further collection efforts will occur. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as consideration of legal remedies. 

I expect your written response within XXXX  days of receipt of this notice. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I reported unauthorized transactions on XX/XX/XXXX. 

Bank of America denied the claim without issuing provisional credit and later reopened the investigation after I submitted a police report and written statement. 

Despite this, no provisional credit has been issued and the bank continues to delay resolution, citing internal back office approval. 

I am alleging noncompliance with Regulation E, specifically failure to provide provisional credit or a timely determination.

This delay is causing ongoing financial harm.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I filed a dispute and this debt was determined to not be mine and deleted on XX/XX/year>. I believe they waiting XXXX XXXX  and re-reported which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Bank of America on a credit card account that I closed at my request. 

I closed this credit card account in XXXX. After the account was closed, Bank of America allowed a charge to post. Because I reasonably believed the account was closed and no further charges were authorized, I did not make a payment on that post-closure charge. 

Bank of America then reported the account as 3059 days late to the credit bureaus. 

I disputed this with XXXX. As a result, Bank of America updated the account to show a XXXX balance, closed status, and no amount past due. However, they continue to report a late payment that resulted solely from a charge posted after the account had already been closed at my request. 

I am requesting that Bank of America : Remove the 3059 day late payment from my credit reports, and Correct the reporting to reflect that no delinquency occurred, as the charge was not authorized after account closure. 

Reporting a delinquency caused by a post-closure charge is inaccurate and misleading, and it has negatively affected my credit standing. 

I am attaching my XXXX  dispute results as supporting documentation.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I received this letter in the mail from Jefferson Capital a collection agency for {$290.00} on behalf of debt supposedly owed to XXXX. They have not provided any dates only offers to pay them in the amount of {$200.00}, or three monthly payments of {$73.00}, or 6 monthly payments of {$48.00}. The problem is I contacted XXXX XXXX collection department and they do not have any out standing balance owed for me of any amount, XXXX balance. I called and informed Jefferson Capital of this mistake and they said it will be in review. I said there is no need for review if XXXX has no outstanding debt for you to collect. This is erroneous charge I want removed from Credit Record and my address and name. The company did a presorted mailing which from my 20 years of experience with the postal service means Jefferson Capital sent this same letter to thousands of residents in this zip code area may be even other zip codes. Please publish this description on consumerfinance.gov so that others can learn and be aware of this erroneous letter asking for money not owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I file my taxes with XXXX XXXX  and they over cash advances if you deposit in a credit karma checking account so I completed the process. Ive done it before. Ive had this account since XXXX  so banking relationship had been established but i only use during tax time, being said i needed to update my contact information due to new changes in my life. I requested my cash advance they were successfully deposited into my credit karma checking out with no problem. However they have told me I can not access my money due to a security feature thats limits your access to said account if any information is updated. They refuse to let me withdraw transfer view my virtual card or add any accounts to transfer to. They refuse to give me a an eta. Just the same message stating We checked your account and, unfortunately, at this time due to security purposes it is not possible to link it. This happens because you have recently modified personal information on your account, therefore, some features on your account may be temporarily deactivated. 

Please feel free to let me know if you need assistance with something else. 

This has been going on for three days and counting. I can not pay my rent, car note, light bill or buy groceries for my child.

This needs to be addressed. I havent done anything wrong except notify of an address change and they are holding money hostage. I even sent a copy of my dl and ssn card. Still same message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Our Wells Fargo saving account was hacked through XXXX and over 4 days {$10000.00} was transferred out without our knowledge. This is a savings account that we rarely look at because it just accrues interest every month. 
On XX/XX/year> XXXX to XXXX for {$3500.00} On XX/XX/year> XXXX to XXXX for {$3500.00} On XX/XX/year> XXXX to XXXX for {$3500.00} On XX/XX/year> XXXX to XXXX for {$400.00} We have two step authentication for any Wells Fargo log in, also text and auto e-mail notification of any banking transactions. We received no notification that this money was illegally removed from our savings account. 
The thieve somehow defeated all of Wells Fargo 's protections and stole money from our savings account. 
We have contacted Wells Fargo and as of now our bank accounts are frozen. We meet with a Wells Fargo representative tomorrow to change all of our account numbers.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Recalatid similar hese actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation