vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
On XX/XX/year>, I received notice that my PayPal account was permanently limited. I requested a review of the decision. All transactions, including cryptocurrency, were made using my own linked debit card. I was not engaged in prohibited activity. I requested clarification of the specific concern so I could address it but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
The account says closed and is affecting my credit score. Im trying to purchase a home and its affecting my credit scores and credit. I was told it was closed so I can no longer pay and have removed

Company response to consumer: Closed with explanation
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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, a charge of approximately {$3000.00} was posted to my Wells Fargo card ending in XXXX. I did not authorize this transaction and did not receive any goods or services related to it. After noticing the charge, I immediately filed a dispute with Wells Fargo under case number XXXX. The bank conducted a review while the charge remained on my account. On XX/XX/year>, I received a final notice from Wells Fargo Claims Assistance Center stating that their investigation was complete and that an error did not occur, meaning the dispute was denied and the charge was considered valid. I disagree with this outcome because I did not authorize the transaction and believe the investigation did not properly resolve the dispute or fully consider my claim.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I would like to file a complaint against my city financial for my XXXX XXXX XXXX credit card. I asked a question regarding the payment structure. If I paid above the minimum payment due, would it be applied to the promotional transfer balance of XXXX that expires XX/XX/year> or would it be applied against a flex loan I have on the credit card that has a interest rate of an 11.99 % until it is paid off I wanted to pay on XX/XX/XXXX so I wanted to be assured that it would go to the balance that is going to jump up to the credit cards rate of 20 % the one that was on the promotional balance when I asked the customer service they just sent me the standard payment form which at the end had talked about promotional balance is expiring since my promotional balance expired in XXXX weeks. I still wasnt sure so then I asked if I pay it after XX/XX/XXXX on XX/XX/XXXX, which is when the balance promotional balance expires will then be applied to the balance that would go out to the higher interest rate of the normal credit card I still got the same answer and then was told they can not guarantee how my payments would be applied. I specifically asked well. Do I have to wait till the next closing date or or again can I do it on XX/XX/XXXX and still the only response was that I got was they cant guarantee where my payments would be applied or or rather they cant assure me where my payments would be applied, which I was kind of taken away with since it should be a simple, company policy of when and how payments are applied. I just think that this is very deceitful as Im specifically asking a question and the credit card company is still vague meaning if I wouldve made a payment if potentially would have not gone to the promotional balance, and so it would then be applied to the higher current credit card rate of over 20 %, and I feel like that is just taking advantage of being versus just giving a simple answer of how my payments will be applied. Which then I would have paid off the balance that is at 11.9 % until its paid off simply so they could get more interest overtime.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint regarding unauthorized access and fraud on my Cash App account. On XX/XX/XXXX at approximately XXXX XXXX, an unknown individual accessed my account from Texas without my authorization. This person conducted multiple transactions, including withdrawing funds from my linked bank account and taking out loans through Cash App. The fraudulent activity included : XXXX withdrawals from my bank account totaling {$360.00} each XXXX borrowed transactions of {$350.00} each through Cash App Transfers to multiple unknown individuals Cash App has acknowledged part of the fraud by refunding some transactions and canceling several loans. However, they are still holding me responsible for XXXX remaining loan, which I did not authorize. Because this was a clear case of unauthorized access and fraud, I should not be held liable for any of these transactions under federal consumer protection laws. I am requesting : XXXX. Immediate removal of the remaining loan balance XXXX. Correction of my account to reflect only authorized activity XXXX. Ability to close my account without penalty Additionally, I have experienced continued attempted unauthorized access and fraudulent charges even after this incident, requiring me to replace my debit cards multiple times. I request a full investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
The second you miss your due date. They call your phone 10-20x a day. XXXX hr to XXXX in between calls. The account wasnt behind and always paid every month. Ive since paid it off to stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, a series of unauthorized transactions totaling approximately {$9100.00} were withdrawn from my Chase business checking account. These transactions were labeled as XXXX XXXX XXXX advertising charges, including ACH debits processed via XXXX as well as related card transactions. I did not authorize any of these transactions. Upon investigation, I discovered that my XXXX ( XXXX ) Business account had been compromised. Two unknown users were added with full administrative access and I was unable to remove them or regain full control of the account. During this time, advertisements were created that are unrelated to my business. XXXX had previously locked my account due to unusual activity and required account recovery, indicating suspected compromise. Despite this, XXXX has not provided clear written confirmation that unauthorized users initiated the activity. I reported these transactions to Chase immediately. I responded no to fraud alerts and filed formal claims. I also provided documentation showing unauthorized users, fraudulent ad activity, and account access issues. Chase denied and closed my claims ( including Claim # XXXX and # XXXX ), stating that the transactions were authorized based on information provided by the merchant ( XXXX ). Chase indicated they require confirmation from XXXX or law enforcement that the account was compromised, but they have not conducted an independent assessment of the evidence I provided. I have since filed a police report with the XXXX Police Department ( Report # XXXX ) and submitted a complaint to the FBIs Internet Crime Complaint Center ( IC3 ). Law enforcement has confirmed the case but can not investigate due to the online nature of the transactions. This situation represents a failure to properly classify and investigate unauthorized transactions resulting from an account takeover. The transactions were not initiated or authorized by me, yet Chase has denied reimbursement based solely on the merchants assertion of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
the dates on the account is wrong, This is a historic account, this account is over XXXX XXXX XXXX. please its on my XXXX report, its affecting my credit and me as well

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: Other transaction problem — 
Company: Credit Karma, LLC
State: MI

Complaint narrative:
} I am filing a complaint regarding duplicate charges and missing funds resulting from improperly handled authorization holds. On XX/XX/year>, two transactions in the amounts of {$90.00} and {$55.00} were placed as authorization holds on my account in connection with a " try before you buy '' purchase. These funds were removed from my available balance. Around XX/XX/XXXX, the pending transactions disappeared from my account history. However, the funds were not returned to my balance. On XX/XX/year>, the merchant attempted to process the charges again. These transactions were declined multiple times due to insufficient funds, yet the amounts were ultimately withdrawn from my account, causing my account to become negative. This indicates that I have effectively been charged twice : once through the original authorization hold that was never released, and again through the later transaction attempt. I am requesting : - A full transaction trace and investigation- Immediate reimbursement of all improperly withdrawn funds - Documentation explaining how these transactions were processed This situation has caused financial harm and overdraft conditions in my account. I expect prompt resolution and restoration of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
In XXXX I was the victim of identity theft. They sued me in court got a default judgment because they sent the information to my old childhood address. They are now trying to to get a garnishment on me. I filled a hearing on the garnishment. In XXXX they were provided with all documents regarding the identity theft and now they have no record of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account is with Bank of America. The account is and historic account its over XXXX XXXX XXXX. Both accounts needs to be removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This is a new complaint. However, similar to the complaint on XX/XX/year> Whe my account was withdrawn for to cover a loan acct that I had a payment arrangement in place for. Although the {$150.00} was returned XXXX days later my account has been withdrawn {$50.00} of the XXXX that was returned. I have requested the bank fixed this issue however it is not an issue with the bank because each arrangement is set up with a live agent, however, these false and fraudulent transactions keep occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I submitting a filing a complaint regarding an unauthorized credit card transaction and improper handling of my dispute by Citibank. On XX/XX/year>, a charge of {$1300.00} was posted to my credit card by XXXX XXXX in XXXX, XXXX. I did not authorize this transaction. On XX/XX/year>, I underwent a hair transplant procedure in XXXX. Before the procedure, on XX/XX/year>, the merchant confirmed in writing that the total cost would be {$1500.00} USD, to be paid upfront. I paid this full agreed amount in cash before the procedure. I have documented communication confirming this agreement. At the time of the procedure, I was under sedation and did not have possession of my credit card. I did not present my card, did not sign any authorization, and did not consent to any additional charges. The {$1300.00} charge was added after the procedure without my knowledge or consent. I reported this as fraud on XX/XX/year>. During the dispute process, Citibank reclassified my claim from fraud to a billing dispute without my clear consent or explanation. The case was subsequently closed with a finding of customer responsible, and the provisional credit was reversed. XXXX written response states that they were unable to uncover evidence to support the claim that this was paid for by other means. This directly mischaracterizes my claim. I am not disputing this charge as a duplicate or alternative payment. I am stating that this charge was never authorized. Additionally, I was not given the chance to submit or have my evidence reviewed prior to the final decision. I sent email and made multiple phone calls, including extended calls, attempting to resolve this issue, but did not receive adequate assistance or a clear explanation of the investigative process or findings. The handling of this dispute raises concerns regarding : Misclassification of an unauthorized transaction Failure to properly evaluate available evidence Lack of clear communication during the dispute process This transaction was made without authorization and under circumstances where I was not able to provide consent. I request that this matter be reviewed as an unauthorized transaction and that the charge be removed. I also request clarification on the basis for the original decision and confirmation that all submitted evidence will be properly considered.

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: NY

Complaint narrative:
PayPal denied my claim stating there was no evidence of unauthorized access, which mischaracterizes the nature of this fraud. This was not an account takeover situation. I was the victim of a scam involving deception by a fraudulent cryptocurrency entity. Authorization obtained through fraud and misrepresentation is not valid consent. Additionally, this transaction was not funded by my bank, as I closed my account to prevent payment. Despite this, PayPal chose to release funds to the fraudulent party and is now attempting to hold me responsible for a negative balance. This raises serious concerns about PayPals risk controls and their practice of holding consumers liable for transactions involving fraud, even when no legitimate authorization or funding occurred. I am disputing both the transaction and the resulting negative balance as invalid and the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this statement to report that I have been a victim of identity theft and fraudulent activity on my credit profile. Unauthorized accounts, inquiries, and negative items have appeared on my credit report without my knowledge, permission, or consent. These accounts do not belong to me, and I did not initiate, apply for, or authorize any of the transactions associated with them. The misuse of my personal information has caused financial harm, credit damage, and significant XXXX. I am requesting that all fraudulent accounts, inquiries, and related negative information be fully investigated, removed, and blocked from my credit file in accordance with the FCRA and all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: PA

Complaint narrative:
I get calls daily from different numbers. I asked them to stop calling. The calls continue. I block one number. They call again from another number. Block that number. They use a different number to bypass it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This is a follow-up on previously closed claim : XXXX Below is the company response : Company 's Response Eastern Account System takes great pride in our approach, the way we communicate and maintain compliancy. Eastern Account System is a third-party collection agency that works on our clients behalf. Eastern Account System is not the original creditor. Eastern Account System sent a notice allowing time to dispute, pay or validate the debt prior to credit reporting. ( 60+ days ) The account was paid after it was reported to the bureaus. Eastern does not do pay for delete ; this violates our contract with the credit bureaus if we remove entries without just cause. An exception has been made and it has been requested to have the account removed from credit reporting. Please allow time for the bureaus to update your records. The negative report was removed by XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), however it remains in the XXXX record as of XX/XX/XXXX.. I received a letter from XXXX Confirmation # XXXX in which it's noted " Verified as Report '' but not deleted as agreed.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am filing a complaint regarding a financial loss of thousands resulting from a financial impersonation scam. I was contacted by an individual or entity that falsely represented themselves as my bank. Through deceptive communication and impersonation, I was instructed to write and deposit a check under the belief that I was complying with legitimate bank instructions. I relied on this representation in good faith and would not have completed the transaction if I had known it was fraudulent. After completing the transaction, I later discovered that the communication was not from the bank and that I had been targeted by an impersonation scam designed to mislead customers into issuing or depositing funds. I immediately reported the issue to my bank and requested a fraud investigation. However, after escalation and review, the bank determined no error without adequately addressing the impersonation and deceptive nature of the scam. The determination appears to treat the transaction as authorized, despite the fact that consent was obtained through fraud and misrepresentation. I am requesting a full re-investigation of this matter as an unauthorized transaction induced by fraud/impersonation. I am also requesting review under applicable consumer protection standards for financial fraud and scam activity, as well as reconsideration of liability due to deceptive inducement. Given the severity of the loss and the nature of the scam, I request that the financial institution reassess this case with consideration of impersonation fraud protocols and provide a detailed explanation of the evidence used in their denial.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is a follow-up to a previously filed CFPB complaint ( ID XXXX ) regarding altered check fraud on the same account. Since our initial filing, we have identified a second fraudulent altered check on the same account, confirming an ongoing pattern of fraud. On XX/XX/year>, we received a Chase notice and learned that check # XXXX in the amount of {$96000.00} was presented and returned for insufficient funds. This item is fraudulent. The original check # XXXX, issued on XX/XX/year>, was payable to XXXX in the amount of {$290.00}. This follows the previously reported altered check # XXXX ( approximately {$94000.00} ), which was intercepted, altered, and paid. Both checks were mailed on XX/XX/year> and appear to have been stolen and altered after mailing. This clearly indicates a broader compromise of our account and check stock. Despite prompt reporting and submission of an affidavit on XX/XX/year>, the funds from the first altered check remain debited and no provisional credit has been provided. After we reported the first altered check ( # XXXX ) on XX/XX/year> and submitted a formal affidavit of unauthorized endorsement/alteration, we are concerned that another altered check ( # XXXX ) from the same mailing was still able to be presented on XX/XX/year>. Given that Chase had already been notified of fraud on this account involving checks mailed on XX/XX/year>, we would have expected heightened monitoring and preventative measures to be in place. The fact that a second altered checkalso originating from the same mailingwas able to be processed through the banking system raises serious concerns about whether adequate safeguards were implemented after the initial fraud report. This sequence of events suggests that the account remained exposed to ongoing fraud risk even after timely notification to the bank.

Company response to consumer: Closed with explanation