vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I filed a complaint XX/XX/year> that XXXX XXXX and its representatives/employees were contacting me regarding a debt owed by a XXXX XXXX and violating consumer laws. I requested a cease and desist due to this violation. XXXX XXXX has now retaliated against me for a debt I have been paying to them since the chargeoff filed in XXXX. I received a text message last week that a lawsuit was filed against me. Since that day, my mailing address has been flooded with letters from Texas law offices/firms beginning XXXX exposing my information regarding my debt and causing me stress and embarrassment. These lawyers and lawfims are contacting me but I havent received word from XXXX XXXX or Moss Law firm regarding this and I am sure this is retaliation because of my previous complaint. I found on XXXX XXXX 's app, after seeing the text, that I need to call Moss Law firm regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX. I'm unaware of this debt and did not have the proper opportunity to dispute this account. A validation of this debt has been requested, but the information was not provided to verify that the amount claimed is accurate or owed by me. If you believe proper notification was sent, please provide XXXX Mail ' with a receipt displaying my signature. If not, please delete this account XXXX XXXXXXXX as soon as possible from my report, or I'll be requesting a full investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Numerous calls and text messages about a debt that I do not owe and I have not be made aware of until recent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had filed bankruptcy in 2023. The trustee of the bankruptcy had let all the companies put a claim in. The original companies put claims in and they were paid out of my trust account. Now these companies keep selling the debt to other companies. They are now hindering me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have {$1400.00} in my Cash App account. I tried to withdraw this money multiple times since XX/XX/year>, but was not allowed to make a transfer. I called several times to Cash App customer service at XXXX. Every time I called, they told me that they will resolve the problem, but they havent done anything for more than two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America and I asked to withdraw to the teller {$4000.00} when I got out the bank I count it and {$100.00} were missing and I had {$3900.00} and I went back a few days later because I couldnt come back earlier and I asked to speak for the XXXX and she was rude but she told me on Friday XXXX contact me to see when the teller is back on Friday she never did 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 explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Last i spoke with XXXX, i was told because i took a Hud Loan modification back in 2024, that i did not qualify for further assistance, they advised me that i could qualify for a repayment plan, but if i had the money to repay it i would have already repaid it by now, they did not have any options to help me move forward, because my credit had been impacted so badly from the delinquency i can not obtain a loan to be able to pay it off either. My wife has been battling XXXX since XXXX of last year, XXXXXX/XX/XXXXand XXXX treatments and numerous dr appts, we have endless amounts of dr bills still to pay, and when i lost my job in XXXX, i had to focus all funds on her XXXX vs the mortgage so we got behind XX/XX/XXXX months. Since i started working in XXXX, i have been paying and we make plenty of money to be able to keep paying monthly, we make XXXX now with my new job, but i had to take a traveling construction job so i now have to pay for living away from home plus that mortgage so between this and her ongoing medical needs i cant seem to get the extra funds to get caught up without a loan and XXXX is unwilling to help us. We are hard working good people who are in a unforeseen hardship due to XXXX. We will pay, we always honor our debts and we want to keep our home, i am asking for a hardship deferment of the delinquent payments to be put to the back of the loan if at all possible so that we can be in good standing and keep paying as agreed moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I am filing a complaint regarding repeated duplicate ACH withdrawals and overdraft-related damages caused by XX/XX/XXXX On or around XX/XX/scrub> 2026, I completed XXXX separate {$20.00} XXXX transactions using my XX/XX/XXXX balance. The XX/XX/XXXX transaction history clearly shows the payment method as XX/XX/XXXX balance, and the transactions were marked Complete. The money was removed from myXX/XX/XXXX balance successfully. After those transactions completed, XX/XX/XXXX later initiated ACH withdrawals against my linked bank account for the same transactions. These duplicate withdrawals caused overdraft fees on my bank account. I contacted XX/XX/XXXX immediately after the first overdraft incident. During that interaction, XX/XX/XXXX reimbursed overdraft-related charges into myXX/XX/XXXX account, which I believe acknowledged that an issue had occurred. Despite notifying XX/XX/XXXX of the duplicate withdrawal issue, additional ACH retry withdrawals later occurred again. My bank statements show these transactions labeled as TYPE : RETRY. These retry withdrawals caused additional overdraft exposure and account instability. XX/XX/XXXX representatives informed me that they would not stop or reverse the charges until the transactions fully processed and stated that prior reimbursement was only a XX/XX/XXXXtime courtesy. This placed me in a position where I had to continue depositing additional money into my bank account to avoid repeated overdraft fees and escalating financial harm. I am requesting : XXXX. Immediate reversal/refund of any duplicate ACH withdrawals tied to these balance-funded transactions. XXXX. Reimbursement of all overdraft/NSF fees caused by the duplicate or retry withdrawals. XXXX. Written confirmation that the original XXXX transactions were funded and completed using my XX/XX/XXXX balance. XXXX. Confirmation that no further ACH retry withdrawals related to these transactions will occur. I have supporting screenshots, XX/XX/XXXX transaction history, bank transaction records, overdraft records, and reimbursement records documenting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A new checking and savings accounts that I opened with Capital One got restricted when I tried to add my spouse as a joint owner. When calling customer service to resolve this, we were told that we have to go to a physical branch to have the restriction lifted. I explained that I have no physical branch to go to, but the representative said that I can not close my account, or receive the money in the account unless I went to a physical branch even after conducting alternate verification methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a product using PayPal that is under an active federal safety recall by the XXXX. The merchant is a foreign entity refusing to comply. PayPal is violating consumer protection standards by denying my refund and forcing me to illegally ship a hazardous, recalled consumer good across international borders to receive my money back This is the recalled item that was sold to me and is still actively being sold! https : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion LLC P.O. XXXXXX/XX/XXXX, PA 19XXXX RE : Formal Dispute and Request for Proper Reinvestigation To Whom It May Concern : I am writing to formally dispute the accuracy and reporting of the following account on my TransUnion credit report : Creditor : XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$470.00} XXXX {$2600.00} This account was previously removed from my XX/XX/XXXX credit report following a dispute and investigation. However, TransUnion continues to report the account despite ongoing concerns regarding the accuracy and verifiable documentation supporting the reporting. I have disputed this account multiple times, yet I have never received sufficient documentation or evidence demonstrating that a proper and reasonable investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). I am concerned that the account may be repeatedly verified through automated procedures without a meaningful review of the underlying records or supporting documentation. Additionally, there have been public legal allegations and consumer complaints involving credit reporting investigations that failed to meet FCRA standards for reasonable verification procedures. Given these concerns, I am requesting that TransUnion conduct a thorough reinvestigation of this account and provide the following : The method of verification used The name and contact information of the furnisher that verified the account Copies of any documentation relied upon during the investigation Documentation proving the balance is accurate Documentation establishing XXXX XX/XX/XXXX andXX/XX/XXXX legal authority to collect and report the alleged debt Verification of the original creditor and date of first delinquency. Bill of sale with signatures If TransUnion can not fully verify the accuracy and completeness of this account through a reasonable investigation compliant with the FCRA, I request immediate deletion of the account from my credit file. Please provide the results of your investigation in writing.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My XXXX credit balanced transferred to wells fargo. I did not know this. They sent some email but never got me to my current address. They then hit my credit report on a late payment in XXXX. I made a case with wells fargo in XXXX ; they told me they wouldn't hit my credit again while the case was open... they hit it again. It is now XXXX and I still can not open an account to pay my amount ( i tried online and on the the phone ). I tried online on XX/XX/XXXX, I tried on a call on XX/XX/XXXX, I tried again on XX/XX/XXXX, same issue. This is a repeated loop of me not being able to pay ( no online account possible, even calling impossible ) and then them sending off a credit notification. Note I want to pay... I can not pay and they keep charging me. I am stuck in a loop of being unable to pay my account while also having them repeatedly hit my credit. This seems both unethical and unfair. Please assist me on this matter.

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 2026-05-26 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: TX

Complaint narrative:
I have been a Bank of America account holder since XXXX. I pay my credit card bill on time in full so I do not have interest fees. I also have XXXX checking accounts that exceed the limit because I do not have to pay checking accounts fees. I also just paid off my house mortgage last year and got to congratulations from the bank of America. I've been a good customer. On XX/XX/XXXX I went to a grocery store and my credit card was declined. This credit card is also from Bank of America and link to my checking account. When I call the customer service line they said all of my accounts was closed, my credit card and checking account. When I went inside a branch they told me I could not access money out of my checking account. I was not told why. Bank of America deactivated my checking accounts, credit and debit cards without any advance notification, leaving me stranded at a retail point-of-sale with no access to my funds, causing severe public embarrassment and financial distress. ''

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reported a fraudulent charge of {$100.00} at XXXX XXXX in XXXX, CA on XX/XX/year>, on my XXXX XXXX XXXX XXXXXXXX XXXX Card ( account ending XXXX ). I called XXXX at XXXX and requested the card be canceled. I called again on XX/XX/year>. The representative confirmed the fraud was noted, apologized for the initial mishandling, and promised the fraudulent charge and all late fees would be removed with no further collection activity. Despite these assurances, I am still receiving past-due notices, late fees, and billing statements as of XX/XX/year>. This is causing unnecessary stress and potential credit damage. I have already sent a formal dispute letter and used secure messaging. I am requesting the CFPB help enforce removal of the fraudulent charge, all late fees, and that Synchrony cease all collections activity on this disputed amount. Key dates : Fraud reported : XX/XX/year> Follow-up call : XX/XX/year> Account : Ending in XXXX ( new Synchrony card after 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 monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding the reporting of multiple delinquent payments on my student loan account serviced by Nelnet. The missed payments occurred because I believed my account was in a paused or frozen status. This understanding led to an unintentional lapse in payments. At no point was I deliberately avoiding my obligation ; rather, this was the result of a misunderstanding regarding the loan status. As soon as I became aware that payments were required, I immediately took action to bring the account fully current. Nelnet has since confirmed that my account is now in good standing. During my efforts to resolve this directly with Nelnet, I was advised by a representative to submit a complaint through the CFPB for further review, as they indicated that additional consideration may be possible through this process. However, the reporting of several delinquent payments has had a severe and disproportionate negative impact on my credit profile. Given that the missed payments were not due to intentional neglect but instead a misunderstanding about the accounts status, I am requesting a review of how these delinquencies are being reported. I respectfully ask for a goodwill adjustment or reconsideration of the reporting, particularly in light of the following : - The missed payments were based on a belief that payments were paused - The account has now been fully brought current - I have demonstrated a commitment to maintaining the account in good standing going forward I am not disputing the obligation itself but am requesting consideration given the circumstances and the significant impact this reporting has had on my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am submitting this complaint regarding Chime ( XXXX XXXX XXXX ) handling of my fraud dispute claims which were denied twice despite substantial evidence proving that I could not have authorized or participated in the disputed transactions. The disputed charges occurred on XX/XX/year> at XXXX EDT in XXXX XXXX VA . There were 2 separate ATM withdrawals both {$300.00} each. At the time these transactions took place, I was out of town in XXXX XXXX XXXX on a work-related trip. I provided the bank with extensive supporting documentation, including but not limited to : Boarding passes and flight records Hotel receipts and travel documentation Work schedules and employment records Additional receipts and evidence showing my physical location at the time of the fraudulent transactions In addition, I have also submitted a copy of the police report that I filed with XXXX Police Department. Despite this evidence, the bank denied my fraud claim on two separate occasions without providing a meaningful or detailed explanation as to how it determined the transactions were authorized or why my evidence was disregarded. I repeatedly requested a detailed explanation of the investigation findings, including the documentation, evidence, or reasoning relied upon in denying my claim. However, the bank failed to adequately respond to these requests and instead did not provide a response explaining the basis for its determination. When requesting this information, the only thing I have been sent over is a file that contains everything that I have submitted to them. No response on why the claim was denied has ever been given. I believe the bank failed to comply with its obligations under Regulation E, which requires financial institutions to conduct a reasonable investigation and provide consumers with the results of that investigation, including an explanation when a claim is denied. Additionally, consumers are entitled to request the documents and information relied upon during the investigation process. Despite several requests, the bank has failed to provide this information. The banks handling of this matter has caused significant financial hardship and concern. I am requesting that the CFPB investigate this matter and require the bank to : 1. Provide a complete and detailed explanation of why the fraud claim was denied 2. Provide copies of all documents, records, and evidence relied upon in making its determination 3. Conduct a proper and reasonable reinvestigation of the disputed transactions 4. Reimburse the fraudulent charges and any associated fees or losses resulting from the unauthorized transactions since the evidence supports my claim I have acted diligently throughout this process and fully cooperated with every request made by the bank. I am extremely concerned that the evidence I submitted was either ignored or not properly considered during the investigation.

Company response to consumer: Closed with explanation