vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My business account has been blocked without a clear or sufficient explanation. The bank requires identity verification via phone call, but this method has not been feasible and no reasonable alternative has been provided. As a result, I am unable to access my companys funds or carry out normal business operations. I have contacted support multiple times, but the issue remains unresolved and no effective solution has been offered. This situation is causing significant disruption to my business. I request that the bank provide an accessible alternative for identity verification and restore full access to my account without further delay.

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 2026-05-22 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima took payments out automatically XXXX since purchasing from XXXX XXXX in XXXX never received any notice about it not being the full payment to complete the XXXX days. I checked my bank and Ive paid fully. So they said they didnt take out the full monthly payments which cause a below balance creating it to expire before the XXXX days. I called explain that why wouldnt you not take out the full amount every month and they said I had to log in and pay manually the last XXXX to prevent it to expire. But why take it out automatically if youre not taking the full amount? I went to log in Acima and received this which reads to me another purchase was done and I havent done another purchase. They are trying to get more money after I e paid for the purchase completely. It also shows it makes it difficult for people to even get the information and I told them and still hasnt fixed the issue. We were unable to display your lease information for the following reasons : Your merchandise is in transit and is pending delivery confirmation from you. The retailer has not confirmed the delivery of goods. You are still deciding how to use your Acima approval. They said I had to pay the next XXXX months XXXX but tried to take out XXXX. Im not trying to pay for the same item triple the price it originally was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Subject : Formal Complaint regarding unfair promotional offer terms and service failure - Account Ending in XXXX I am writing to formally report a service failure and unfair business practice by Citibank. Timeline of Events : XX/XX/year> : Applied for a credit card with a promotional offer : XXXX bonus points after spending {$6000.00} within the first XXXX months. XXXX XX/XX/year> : The card was not delivered due to a mailing address error on the banks part. XX/XX/year> : Received the card but was unable to activate it due to a required verification code sent via mail. XXXX XX/XX/year> : I contacted Citibank twice to request the verification code, but the letters never arrived. XX/XX/year> : After a third attempt, a representative successfully verified me via mobile phone, and the card was finally activated. The Issue : Because of these bank-side delays, I was unable to use the card for the first XXXX months of the account life. When I contacted Citibank to request an extension of the spending window to compensate for the months the card was unusable, the bank offered an " extension '' to XX/XX/year>. This provided me with a total of XXXX hours to complete a {$6000.00} spending requirementa mathematically and logistically impossible timeframe. I have spoken with multiple representatives and a supervisor, all of whom have stated that their system does not allow them to rectify this error. I am a consumer acting in good faith, and I have already spent over {$3100.00} on this card despite the initial inaccessibility.

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 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I was renting a car to drive XXXX from a XXXX rental company called XXXX XXXX my last contract with them ended XX/XX/XXXX but I kept paying and they kept billing but over time the car started having mechanical issues and they kept prioritizing payments over the safety of the vehicle and I also found out they arent an approved rental partner of XXXX and XXXX so I returned the car and went on PayPal and tried to dispute every payment made to them after XX/XX/XXXX because PayPal advertises that you can dispute transactions up to 180 days old but they auto denied most of my disputes that were over XXXX days old and the last XXXX that they let go through they denied and banned my account saying I violated terms so they are letting a shady merchant stay on the platform but me the victim got kicked off the platform

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: WY

Complaint narrative:
On XX/XX/year>, I attempted to transfer money to my external bank account but received an error message telling me to contact support. Upon further investigation in the app, I also discovered that my business virtual credit card had been frozen, despite never having been used. I was never notified by Relay Financial via email or any other means that my account had been placed on hold. I contacted support on Monday XX/XX/XXXX and was told the compliance team would reach out. I have contacted them every single day since then and have received the same response each time, that the compliance team will reach out. It is now Friday XX/XX/XXXX and I have still received no explanation, no email, and no timeline for resolution. My funds remain completely inaccessible. The funds held consist of payouts from my ecommerce store which was connected directly to my Relay account. Because Relay stopped accepting incoming payments without notifying me, my store payouts on Monday failed and were returned, causing direct disruption to my business operations. I have since had to disconnect Relay from my store entirely. I had to discover on my own that my account was on hold as Relay never informed me. After nearly a week of daily contact with no response from their compliance team, I checked XXXX and found dozens of customers reporting the exact same issue. I am requesting an immediate investigation and the release of my funds. This situation has caused significant financial disruption to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a customer of Citibank for over XXXX years. I am a private client with over a XXXX dollars in my Citibank accounts. XXXX days ago, I noticed XXXX of my accounts were closed, as of today XXXX are either closed or blocked. I have been working with my XXXX XXXX XXXX, XXXX XXXX, since XX/XX/year>. The XXXX Department was questioning deposits that were made from a XXXX in XXXX distributions, $ XXXX and $ XXXX. The distribution checks were from an inheritance trust of my late XXXX. These checks were clearly marked stating they were from a trust. The last correspondence I sent to XXXX was from the law firm confirming my entitlement from the trust. To say I am frustrated with this situation is a complete understatement. I would like to understand why Citibank feels they have the right to block and close my bank accounts because of a deposit that was made from money that I was willed. I have written checks and have direct deposits going into these accounts. This situation needs to be resolved IMMEDIATELY. I can not have deposits being sent back nor can I have my credit impacted by late or non-payments. I expect immediate resolution to this situation. Please feel free to contact me directly at XXXX or XXXX. Sincerely, XXXX XXXX

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 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a valid identity theft block request to TransUnion pursuant to FCRA 605B / 15 U.S.C. 1681c-2, including an FTC Identity Theft Report, proof of identity, proof of address, and identification of the disputed accounts. Despite receiving the required documentation, TransUnion refused to block several disputed tradelines and instead processed portions of my request through an automated reinvestigation system utilizing e-OSCAR / XXXX furnisher responses. TransUnion relied upon generalized references to payment history, prior disputes, or account chronology rather than competent documentary evidence establishing that the disputed transactions were authorized by me. TransUnion has not provided signed contracts, authenticated applications, proof of authorization, or certified transactional records supporting the continued reporting of the disputed accounts. Multiple disputed tradelines and collections were deleted during the investigation process, confirming that inaccurate and unverifiable information existed on my consumer report. However, TransUnion continues reporting several disputed accounts despite my identity theft submission and supporting documentation. Additionally, TransUnion continues associating disputed tradelines with an inaccurate address that does not belong to me despite receipt of my verified identification documents showing my correct current address. I believe TransUnion improperly converted a 605B identity theft block request into a standard reinvestigation process and relied upon automated verification procedures instead of complying with the mandatory blocking requirements of the Fair Credit Reporting Act.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CO

Complaint narrative:
I was assessed an overdraft fee that violates the terms of my checking account and overdraft agreement. I was sent {$40.00} via XXXX before the posted cutoff time and KeyBank resequenced my transactions to their benefit to assess and overdraft item charge to my account of {$20.00}. XXXX transactions are peer-to-peer transfers with the funds having immediate availability. I also do not have overdraft protection enabled on my account, so transactions that I do not have sufficient funds for should decline per the agreement. If I had {$40.00} immediately available via XXXX and I was able to make these transactions, it does not make sense for them to turn around and charge me a {$20.00} overdraft charge when I shouldnt have been able to make those transactions in the first place if those funds werent available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: MA

Complaint narrative:
I have been a PayPal customer for XXXX XXXX XXXX XX/XX/year>, a payment of {$41.00} from XXXX XXXX XXXX XXXX XXXX was sent to my PayPal account and is currently in a " pending acceptance '' state. PayPal is requiring me to either ( XXXX ) provide my Social Security XXXX and date of birth, or ( XXXX ) link a bank account or debit card, in order to access or move these funds. I declined to provide this information and requested that PayPal return the funds to the sender instead. Over the course of approximately XXXX hour, I was transferred through XXXX different customer service agents. Each stated they were unable to process a refund. The third agent ( XXXX ) escalated to a back-office team and subsequently confirmed in writing via email : " PayPal is XXXX to return the funds to the sender on your behalf, and the sender also can not reverse the transaction once it has been completed. Additionally, we're unable to bypass the requirement to provide the necessary information to accept and access the funds. '' PayPal also stated that my account can not be closed while a balance is pending, creating a situation in which : ( a ) the funds can not be returned to the sender, ( b ) the funds can not be accessed without providing sensitive personal data or financial account credentials, and ( c ) the account can not be closed. I am therefore effectively locked out of my own funds with no recourse that does not require disclosing personal information I do not wish to share. I am requesting that the CFPB investigate PayPal 's practice of holding consumer funds while making access conditional solely on disclosure of SSN/DOB or bank account linking, with no check or alternative withdrawal method offered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I discovered a XXXX default judgment against me when my XXXX XXXX account was frozen without notice by court-appointed receiver XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was never served for the original lawsuit filed by XXXX XXXX XXXX XXXX Speedy Cash. Since XX/XX/XXXX I have made repeated good faith efforts to resolve this debt. The receiver rejected every settlement offer, demanded inflated amounts, and was combative and unresponsive in communications. On XX/XX/XXXX I filed a motion questioning the receiver 's conduct. On XX/XX/XXXX she froze my XXXX checking account the day after I filed that motion. On XX/XX/XXXX a settlement was reached in open court before Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Total settlement amount was {$2000.00}. The receiver would retain {$1100.00} already seized and I would pay the remaining {$880.00} through a payment plan. The judge instructed the receiver to draft settlement documents. The receiver did not object. On XX/XX/XXXX the receiver emailed me with materially different terms {$2400.00} total, a lump sum of {$1200.00}, and a XXXX day deadline. She then claimed there was never any agreement for {$2000.00}. The settlement was never honored. I filed XXXX XXXX bankruptcy in direct response to the receiver 's actions. The receiver ignored the automatic stay, did not acknowledge the bankruptcy filing, and did not respond to my bankruptcy attorney despite multiple documented attempts. On XX/XX/XXXX my bankruptcy case was dismissed due to a plan confirmation issue. Within XXXX hours the receiver froze every financial account I have. XX/XX/XXXX XXXX and XXXX frozen. XX/XX/XXXX XXXX frozen. XX/XX/XXXX all three XXXX accounts frozen simultaneously. Combined negative balance exceeds {$12000.00}. I have no access to any funds. The receiver is demanding {$4000.00} to release accounts. Multiple attorneys declined to represent me specifically because this receiver is known not to respond to counsel and refuses to negotiate. I have filed a complaint with the Texas Attorney General, complaint number XXXX, and an emergency request for hearing with Judge XXXX XXXX XXXX I am requesting the CFPB investigate this receiver 's conduct under the FDCPA and require immediate release of all frozen accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-22 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: NY

Complaint narrative:
XXXX Reference Case Number : XXXX Statement of Facts : I am filing this formal complaint against JPMorgan Chase Bank , N.A . for flagrant operational negligence, systemic back-office failures, and for maintaining a legally unauthorized, expired restraint on my checking account in direct violation of New York State law . - On XX/XX/year>, Chase placed an execution restraint/freeze on my checking account stemming from an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) automated enforcement notice. Under XXXX XXXX XXXX XXXX XXXXXXXX, an execution levy lapses and expires automatically after 90 days unless a formal extension or turnover proceeding is ordered by a court. The statutory 90-day window for Chase to hold my balance under this notice completely expired on XX/XX/year>. Despite having no ongoing legal authority to maintain the restraint past XX/XX/XXXX, Chase has continued to hold my funds captive. XXXX On XX/XX/year> ( Day XXXX of the freeze ) I called Chase customer support to resolve this issue. Instead of flagging the over-aged, legally lapsed restraint, Chase 's frontline agents told me to sit tight and " wait ''. It ultimately required me filing a formal complaint with the XXXX on XX/XX/year>, just to force Chase 's Executive Desk to pull my file. XXXX As of today, XX/XX/year>, Chase has held my balance restricted for 106 days, more than two weeks past the maximum statutory limit without executing a balance sweep or releasing the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
I refinanced and paid off my vehicle loan with Bridgecrest, which resulted in an overpayment/refund owed to me in the amount of approximately {$450.00}. Since the payoff, I have made multiple attempts to obtain both the refund and basic information regarding the status of the refund. During a phone call on XX/XX/year>, I was informed that the refund check had already been mailed and that I should receive it within no more than 10 business days. I did not receive the check. After the check still had not arrived, I contacted Bridgecrest again on XX/XX/year>. During that call, I was told that a ticket had been created and that an expedited check had been sent. I was told I should receive it during the following week. As of today, I still have not received the refund. In addition to the phone calls, I also sent written requests asking for the current status of the refund, whether a check had actually been issued, the issue date/check number, and the mailing address on file. I did not receive a response to those requests. I believe Bridgecrest has failed to provide accurate and consistent information regarding my refund and has unreasonably delayed returning funds owed to me. I maintained my account in good standing throughout the loan and made repeated good-faith efforts to resolve this issue directly before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief