vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint regarding an unresolved billing dispute involving a credit card charge processed by Capital One for transportation services provided by XXXX XXXX. I prepaid {$63.00} for shuttle service for XXXX ( XXXX ) passengers on XX/XX/XXXX. Due to a change in circumstances, only XXXX ( XXXX ) passengers used the service on XX/XX/XXXX, meaning the remaining portion of the service was not provided. I contacted XXXX XXXX directly and was explicitly told by a company representative that a partial refund for the unused passengers would be issued. I was instructed to send a follow-up text message with the details, which I did immediately and retained proof of submission. Despite multiple documented follow-ups ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), the merchant has failed to issue the promised refund or respond to continued outreach. Capital One has also failed to resolve the dispute in accordance with the Fair Credit Billing Act, despite my submission of evidence showing : Payment for XXXX passengers Service provided to only XXXX passengers Merchant acknowledgment of refund obligation via phone Repeated, unanswered attempts to obtain resolution Amount in dispute : I am seeking a partial chargeback of {$33.00}, representing the unused portion of prepaid services that were never rendered. Evidence provided : Credit card receipt showing charge for XXXX passengers Screenshots of text message sent per merchant instruction Call logs and voicemail attempts documenting repeated follow-up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This complaint relates to merchant account and payment processing services, specifically involving account management actions such as fund holds and account suspensions by Bank of America. In XXXX, I operated a business under the name XXXX XXXX, which had a merchant account with Bank of America. During that time, the account was closed and approximately {$7600.00} in customer funds were held for XXXX months before being released. This caused significant financial strain, and I was not provided with a clear explanation for the action. After that, I established a separate business, XXXX XXXX And XXXX, with its own legal structure and operations. The merchant account for this business was initially approved, but shortly afterward, it was closed without a clear explanation, apparently due to prior unrelated activity. In XXXX, I became involved as a supplier and business partner with XXXX & XXXX Flooring And Cabinets, an independent company established in XXXX. This company had its own merchant account with Bank of America prior to my involvement. However, Bank of America placed a hold of approximately {$5000.00} on customer payments and shut down the account, which disrupted the companys operations and negatively impacted business relationships. All transactions across these businesses are legitimate and related to cabinetry, countertop supply, and installation services, supported by invoices, contracts, and real customer projects. Despite contacting Bank of America customer service, I was not provided with a clear explanation or a meaningful opportunity to resolve the issue. These actions have caused : * Prolonged withholding of legitimate business funds * Disruption to multiple businesses * Negative impact on third-party business partners * Loss of trust and operational stability I respectfully request : * Immediate release of all held funds * A clear and detailed explanation for all account closures and fund holds * A fair and independent review of XXXX & XXXX Flooring And Cabinets without improper association to unrelated prior accounts * Clarification on whether I am restricted from merchant services and under what criteria I am seeking transparency, fairness, and a prompt resolution to 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 explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Check deposited at branch location of Bank of America on XX/XX/year>. Check was a business check from a law firm for the proceeds of a cash out refinance on home. Amount was just under $ XXXX. Teller said no hold was placed and suggested I move the money from checking to get some interest accruing. I received an email from BofA later saying the entire amount was on hold until XX/XX/year> with the reason stated as, " We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' I called customer service and spoke to a rep and a supervisor. They could not explain the reason stated in the email ( i.e., what information they have that the check may be returned ). They also would not explain why 100 % of the check was on hold vs. releasing a small amount for immediate usage, which per my understanding is legally required. They simply refused to do so. There is no logical reason for a business check from a law firm to be held for 7-10 days. More importantly, a small portion of the total deposit was supposed to be available immediately, but was not.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received an email today ( XX/XX/XXXX ) at XXXX from Wells Fargo notifying me that my credit card payment is due on XX/XX/XXXX in the amount of {$9100.00}. I called my dad because I know I was on a Wells Fargo card he opened back in the XXXX 's. He confirmed that it was NOT that card and suggested I go to experian.com to get a full credit report. I visited that website today and saw that a Wells Fargo card was opened in my name on XX/XX/XXXX in the amount of {$9100.00}, that there was a hard inquiry on my account on that day, and that it's through a XXXX XXXX XXXX XXXX Minnesota. I called XXXX to report the fraud and they recommended I report it to you and then to Wells Fargo.

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 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX, financed through Bridgecrest. Shortly after purchase, the vehicle experienced a serious mechanical failure, including loss of power and steering issues, creating a safety hazard. A XXXX dealership diagnosed the vehicle and found evidence of prior improper repair and mechanical issues that existed before the sale and were not disclosed. This indicates the vehicle was misrepresented at the time of sale. I contacted XXXX and requested documentation regarding prior repairs, warranty coverage, and an explanation of the failure. XXXX denied responsibility and refused to provide a sufficient resolution. Despite clear evidence that the defect was pre-existing, Bridgecrest continues to hold me financially responsible for the loan. This loan is tied to a defective and misrepresented vehicle, and I should not be held liable under these circumstances.

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 2026-04-23 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: NY

Complaint narrative:
I completed a cash deposit transaction through Cash App with the understanding that the funds would be credited instantly. However, the deposit was not been made available as promised, which has caused inconvenience and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
Review my credit report and saw that this company reported a debt that was outstanding that never was mine. Reached out to company to validate debt and provide me with the agreement with my signature and they were unable able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am submitting this complaint on about GoodLeap on behalf of myself and my spouse, XXXX and XXXX XXXX, regarding a solar financing agreement tied to a defective and non-functional solar panel system at our home. Approximately three years ago, we financed and installed a XXXX XXXX XXXX residential solar system. The system uses ( XXXX ) XXXX XXXX XXXX XXXX, XXXX modules, each paired with XXXX XXXX microinverters, installed on our roof in XXXX, Texas. After only about three years, the system has suffered severe premature failure. A qualified contractor ( XXXX XXXX XXXX XXXX ) inspected the system and documented : Cracked and deteriorated PV wiring insulation, exposing internal conductors Degraded and splitting connector housings at strain relief points Failure of seals at junctions where wiring enters the panels Widespread material breakdown inconsistent with normal 3-year environmental exposure System-level failure to produce usable power Although an individual panel may briefly show open-circuit voltage when tested in isolation, the system as installed is non-functional and can not reliably deliver usable electrical output. In practical terms, the solar system is dead. The original installer is now out of business. The manufacturer, XXXX XXXX ( XXXX XXXX ), has denied warranty coverage after the panels were removed and inspected, even though removal and inspection were necessary to identify the defects and complete failure. Despite the fact that the solar system is non-functional and worthless to us as consumers, GoodLeap continues to require full monthly payments on the solar loan and has refused to : Allow a reasonable lump-sum payoff of {$25000.00}, Offer any settlement or reduction, or Restructure or cancel the loan in light of the total system failure. This puts us in the position of being forced to keep paying for a non-operational system that provides no benefit and may even present safety issues due to exposed electrical conductors and degraded components. Financing is tied to a defective, non-functional system that failed far below its expected lifespan. We have no recourse through the installer ( out of business ) or the manufacturer ( denied warranty ). GoodLeap is enforcing the loan as if the system were working as promised. We can provide : The solar plans showing the system details XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXXXXXX XXXX, XXXXXXXX XXXX XXXX system Photos documenting material and electrical degradation, and Evidence of the system not producing usable energy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We were in a three month loss mitigation plan. XXXX XXXX we spoke and paid the final payment of the plan and were told * congratulations * on making your final payment and getting into the modified mortgage plan and some one would reach out. XX/XX/XXXX we were called by a account rep they did not leave a message. We spoke to phh/onity after this and paid in full afterwards too. Were told congratulations afterwards. We got no correspondence online or in mail in the month of XXXX. Ive been told 4 dates if email by 3 people. XX/XX/XXXX, XXXX. ... turns out they sent it by mail not email as per their system. Their system preemptively emails to our document center on our mortgage account anything that is snail mailed. The document ( a request for correspondence apparently- titled - attestation- ) is not in our account on any standard. I was then sent a link where I was made to make a XXXX account to open an encrypted email showing me what they allege they sent to me by mail. It still has not been sent to my mortgage account. I had an account call with XXXX today at XXXX XXXX. She did not call me. A combative male called me instead. 25 mins later he transferred me to what I had assumed was an American agent in his same position. He did not. Two hours later I find that out. I then told I need to make yet another appointment with XXXX- her name changes every time it seems. I still dont have any information as to why I cant see this request they sent me XX/XX/XXXX and why I only have correspondence from XX/XX/year> and then not again until XX/XX/year>. Also this rep, who was supposed to call me- I have literally not once ever spoken to or received a voice mail from her. I dont think she actually exists. Im losing my mind going on in circles here.

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 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
THIS DEBT IS COMPLETELY INACCURATE AND IS DEVASTATING MY CONSUMER REPORT, THERE APPEARS TO BE TWO DIFFERENT NAMES AT USE ON VARYING REPORTS OR MAYBE ITS TWO DIFFERENT COLLECTION AGENCIES I DO NOT KNOW AND I NEED TO MOVE IMMEDIATELY THIS DEBT ARISES BECAUSE I TOOK THE RENTAL OWNER TO COURT OVER THE RIGHT TO STAY AT THE RESIDENCE NOTHING ABOUT THE CHARGES SHOWN ETC- THE ORDER OF THE COURT SAID I HAD TO LEAVE THE PREMISES NOT PAY ANY FEES THE RENTAL OWNER XXXX XXXX XXXX XXXX ADDED FEES ON AFTER I LEFT CLAIMING I DAMAGED THE PROPERTY. THIS IS NOT ANY COURT ORDER FEES THE ONLY ORDER WAS TO LEAVE THE PREMISES AND I DID SUCH PLEASE DELETE THIS DEBT I WILL ATTACH COURT ORDER ETC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a single parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: OKX INC.
State: SC

Complaint narrative:
This complaint is in reference to a previous complaint filed # XXXX. I was advised by phone today by the CFPB to file a new complaint referencing the old complaint number. I was promised a 5 % match on funds held for 24 days, I deposited {$15000.00}. 5 % of {$15000.00} is {$750.00} not the {$500.00} OKX reimbursed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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
State: ND

Complaint narrative:
b"PayPal is withholding $XXXX (Account: XXXX) for over 730 days, violating the 180-day limit in Section 10.2 of the User Agreement. On XXXX XXXX XXXX, I was given Case ID: XXXX XXXX XXXX XXXX with a 72-hour resolution promise. On XXXX XXXX, agent XXXX confirmed a 'review' but refused release, citing 'no established time frame.'\n\nI am notifying the CFPB that PayPal is using generic 'fraud/security' scripts to justify the indefinite seizure of property. Any risk of chargebacks or fraud expired over 500 days ago. Without a court order or criminal referral, this hold is a bad-faith breach of contract. I am not seeking an apology or further review; I am reporting a failure to release aged funds and a breach of the 180-day limitation."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It May Concern : I am in receipt of your communication regarding the above-referenced account. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide proper validation. Please provide the following : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including an itemization of any interest, fees, or charges ; 3. Copies of any documents bearing my signature showing that I agreed to this debt ; 4. Proof that your company is authorized to collect on this debt ; 5. Proof of the date of default and that the debt is within the applicable statute of limitations. Pending your response, you must cease collection efforts and reporting of this debt to any credit reporting agencies. If you fail to comply with this request, I will consider filing complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission, and I will evaluate my legal options. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am a victim of identity theft involving a fraudulent XXXX XXXX account that was opened without my authorization. This account was established using a service address I had legally vacated over a year prior to the billing period in question. Furthermore, the fraudulent account listed an incorrect apartment number for that location. Timeline and Actions Taken : Initial Discovery : I discovered the fraud and attempted to resolve it through XXXX XXXX 's standard channels for several months, resulting in the creation of dispute ticket # XXXX. Formal Claim Submission ( XX/XX/XXXX ) : I submitted a formal Identity Theft Claim Packet via email to the XXXX XXXX XXXX XXXX department XXXX Evidence Provided : My submission included a copy of my government-issued ID and a fully executed legal lease for my actual primary residence. This lease proves I resided at a different address during the entire XXXX and XX/XX/XXXX billing period. Lack of Response : Despite the companys fraud policies, XXXX has failed to acknowledge receipt of my documents or provide a status update after 30 days. Collection Escalation : A third-party collection agency, Credence Resource Management ( Ref : XXXX ), is currently attempting to collect a disputed balance of {$520.00}. They issued a " Dispute Investigation Response '' on XX/XX/XXXX, claiming the balance was valid despite the clear residency discrepancy. Follow-up ( XX/XX/XXXX ) : I sent a second formal inquiry to the XXXX XXXX department but have received no response. XXXX XXXX has failed to perform due diligence by ignoring conclusive physical evidence of non-residency and allowing unauthorized collection activity by Credence Resource Management to continue. I am requesting that XXXX immediately suspend all collection efforts, close the fraudulent account, and expunge this debt from my records.

Company response to consumer: Closed with non-monetary relief