vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a PayPal account in XX/XX/XXXX for my business. My first transaction came XX/XX/XXXX. PayPal immediately took their fee and continually ask me to provide information about myself and my account while they hold my money hostage. There have been more than XXXX emails back and forth and I have called many times, and the answer is always the same. We need more information and it will take XXXX business days to resolve. It has now been XXXX  days since my client paid me and I still can't access my payment. 
The latest email again asks for my driver license that I already uploaded several times and was told was acceptable. Another email I received this morning states they are waiting to hear from my customer if their goods were received. This is embarrassing and outrageous way to do business. I want my funds so I can run my business and begin the process of undoing my relationship with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Global Lending Services, LLC Attn : Credit Reporting / Compliance Department Re : Dispute of Charge-Off Account ( FCRA 1681 ) To Whom It May Concern, I am formally disputing the accuracy and completeness of the charge-off account reported by Global Lending Services under the Fair Credit Reporting Act , 15 U.S.C. 1681.

Pursuant to FCRA 1681s-2 ( a ) and 1681s-2 ( b ), as well as 1681i, you are required to conduct a reasonable investigation and ensure maximum possible accuracy of any information furnished to consumer reporting agencies. 

Please provide competent and verifiable evidence supporting this reporting, including but not limited to : The original signed retail installment contract or application A complete and itemized payment history Proof of the charge-off balance calculation The date of first delinquency as reported Proof of your authority to report this account Evidence that the account status, balance, and remarks are accurate under FCRA standards If you are unable to provide this documentation, continued reporting of this account constitutes inaccurate and unverifiable information and must be deleted from all consumer reporting agencies pursuant to federal law. 

This letter is not a refusal to pay, nor is it an acknowledgment of liability. It is a request for lawful verification and compliance. 

Please complete your investigation and respond within the time period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Balance u, Credit limit Min. monthly payment - Date opened XXXX XXXX, XXXX 6 yrs 9 mos Payment history Paid in settlement. {$1300.00} written off. 
As of XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a XXXX American Express account with a limit of {$30000.00}. I received an email regarding a review of my account for a credit limit decrease. The card has approx. {$5000.00} on it. I paid an annual fee of {$350.00}. They have put a hold on my account and demanded I pay {$1400.00} or I wont be able to use my card. That means Im not able to use my card to use the benefits I paid for, including my companion XXXX passes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, an unauthorized ATM withdrawal of {$100.00} plus a {$2.00} ATM fee was made from my Chime debit card. The transaction was processed under the merchant name XXXX XXXX XXXX ( also listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ). I have never been to this location, have no relationship with this merchant, and did not authorize this transaction. 
At the time of the withdrawal ( approximately XXXX a.m. ), I was home all day and had possession of my debit card. I did not share my card, PIN, or account credentials with anyone. I also did not receive a fraud alert or transaction notification for this withdrawal, despite typically receiving real-time alerts for card activity of this amount. 
I reported the transaction to Chime promptly as unauthorized and provided all requested information and supporting evidence. During the initial investigation, Chime denied my claim and incorrectly listed the transaction time as XXXX a.m., which was later acknowledged as incorrect. I requested the specific documents and evidence used to support the denial, but Chime provided only a generic response listing categories of information ( such as device data and login history ) without identifying any case-specific evidence or explaining how the transaction was determined to be authorized. 
I requested that the claim be reopened and provided additional supporting information. Although the transaction time error was corrected, Chime again denied the claim without providing documentation or a clear explanation demonstrating authorization. The merchant has not cooperated or provided any information, yet Chime continues to treat the transaction as legitimate. 
As a result, my funds remain withheld despite the transaction being unauthorized and despite Chimes failure to provide a reasonable, case-specific explanation for denial. 
I have since changed my debit card number and PIN to prevent further unauthorized activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Re : Request for Deletion Improper or Duplicate Creditor Reporting To Whom It May Concern, Credit Collection Services I am writing regarding the above-referenced account currently being reported by your company on my credit reports. 

This account has been sold, transferred, or assigned to another creditor, and therefore your continued reporting of this tradeline appears to be inaccurate and duplicative. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), only the party with a current ownership or legal right to collect may report this account. 

At this time, another creditor is reporting the same account, which constitutes duplicate reporting and is materially misleading. If your company no longer owns or services this account, you are required to delete the tradeline entirely, not simply update it.

I am requesting that you : 1. Immediately delete this account from XXXX XXXX XXXX XXXX, and 2. Provide written confirmation that the deletion has been completed.

If you believe you still have the legal authority to report this account, please provide documented proof of ownership, including the date of transfer and chain of title. 

Failure to correct this reporting may result in formal complaints filed with the CFPB, State Attorney General, and other applicable regulatory agencies.

Thank you for your prompt cooperation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: GA

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint because Bank of America has been withholding {$5000.00} of my personal funds for approximately XXXX years without providing a path to resolution or returning my balance. 
Around XXXX years ago, my account was flagged and subsequently frozen due to a deposit of a check that the bank deemed altered/fraudulent. While I understand the banks need to investigate that specific transaction, they have frozen my entire balance, which consists of {$5000.00} in legitimate personal savings unrelated to the disputed check. 
I have attempted to resolve this directly with the bank multiple times, but I am consistently told that the account is 'under review ' or 'restricted, ' with no further information provided. It has been XXXX years, which is well beyond a reasonable timeframe for any fraud investigation. 
I am requesting that Bank of America : Conduct a final review of the account. 
Deduct the amount of the disputed check if necessary. 
Release the remaining legitimate balance of {$5000.00} to me via a cashier 's check sent to my address on file. 
The bank 's indefinite retention of my total balance, without providing a closing statement or a way to claim my remaining funds, is causing significant financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
They closed my Cash App account because suspicious fraud and they told me I was able to cash out my remaining funds on my account but when I tried to transfer my funds to my debit card it says it wants my old debit or bank account that was linked to my Cash App account and I dont have that account no more and they keep telling me to appeal my account but they keep denying me I did no fraud on my account I dont know why they are doing this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone applied and stole a paypal/synchrony credit card from my mail. Somehow activated and maxed the card out. When I saw the balance onmy credit report, I notifi ed XXXXXXXX XXXX of the theft. Synchrony bank has done nothing about it. Now they are reporting late payments on mycredit. REMOVE THIS ACCOUNT BECAUSE IT IS FRAUDULENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was defrauded by Chime for {$36000.00}. They allowed a 3rd party to withdrawal and make changes to my account regardless of me reporting FRAUD XX/XX/year>. I filed identity theft and fraud with all government agencies and local police as well as the credit bureaus. I sent them repeated proof it wasnt me. They broke their OWN daily limit restrictions and did not protect my assets. They knowingly removed and deleted XXXX unauthorized devices from using my account but refuse to reverse the massive amount of money that was drained from my account. 
Im XXXX XXXX XXXXXXXX XXXX XXXX Veteran and that money was a backpay settlement I fought 5 years to receive. Justice must be served!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: OH

Complaint narrative:
My loan has been in deferment status but the loan incorrectly reported to the credit bureau that it was XXXX days late in XX/XX/year>. I reached out and was told that this was a system error and that it was not ever late. I was told that it will be corrected on the credit report " eventually '' but they were unable to provide an estimated date of correction. I have disputed this information with all XXXX credit bureaus a couple of weeks ago but the disputes are still pending waiting on a response from the creditor. I am needing this to be corrected as soon as possible due to a pending home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am not responsible for this debt as it is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA Federal Savings Bank has restricted my checking account, XXXX my debit cards, XXXX, and outgoing transfers, and will not allow me to close the account or access my funds. My VA XXXX and Chapter XXXX XXXX & XXXX XXXX XXXX payments have already posted to the account, and I currently have no way to withdraw or transfer my money. 
I requested voluntary account closure and immediate disbursement of my full balance by check, and USAA refused, stating the account is restricted and can not be closed or funds released at this time. No timeline has been provided for when I will receive my money. 
These are federal benefit funds intended for basic living expenses, and I am experiencing financial hardship due to lack of access. I am requesting immediate release of my funds and written confirmation of when the balance will be disbursed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> while online I engage a transaction for merchandise listed for {$50.00} on XXXX merchant website. To see the complete item details before purchase I was required to start the XXXX merchant online application. 

After I entered the required personal and banking information I attempted to complete the merchant application. 

I NOTICED that the site disappeared and did not allow me to see details about the item. I should have been able to confirm the accuracy of the information. After severaI unsuccessful attempts I could not recover the merchant application online. 

This problem sent a red flag. 
I remembered having a previous similar incident with a merchant. The next step I took was to immediately check my bank account. That's when I discovered an unknown transaction for {$560.00} that appeared as a withdrawal request by merchants listed as XXXX XXXXPAYPAL. 

PAYPAL IS ALSO THE METHOD OF PAYMENT for the {$50.00} transaction that changed unknowingly to the inaccurate amount {$560.00} as the amount immediately withdrawn from my bank account. 

I immediately contacted my Bank to file a complaint for the unauthorized transaction XXXX  amount of {$560.00}. 

The bank fraud department emplyee disclosed the merchant XXXX XXXX had been identified through her information a scammer anf filed a complaint to begin bank investigation and attempts to recover my money through PAYPAL.

PAYPAL has also concluded an investigation but fails to authorize the refund bank to my bank account and constantly make excuses telling me to expect my refund. 

The result beginning XX/XX/year> to the present : I have contacted Merchant : XXXX who was used by merchant for advertising the item. 

I have made numerous attempts to contact Merchant by email listed with PAYPAL : XXXX XXXX has never responded. 

I engaged numerous discussions to resolve the complaint with Merchant : PAYPAL I have engaged the resolution process directly with XXXX XXXX I HAVE NOT RECEIVED ANY TRANSACTION DETAILS. 

I HAVE NOT RECEIVED ANY MERCHANDISE. 

I HAVE NOT RECEIVED NOTICE OF SHIPPING. 

I HAVE NOT RECEIVED PROOF OF DELIVERY. 

I HAVE NOT RECEIVED ANY NOTICE THAT TRANSACTION MERCHANDISE IS BACKORDERED OR SHIPPING IS DELAYED. 

REFUND REQUEST MADE TO : My bank : XXXX Merchant : XXXX XXXX w/pay pal Merchant : PAYPAL All above parties have failed to provide an acceptable response and resolution by failing to refund me {$560.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Dear Robinhood Support/Compliance Team, I am writing to request urgent review and a one-time courtesy reset of the XXXX XXXX XXXX XXXX XXXX XXXX restriction on my account. 

Yesterday morning ( XX/XX/year> ), I accidentally enabled margin investing on the wrong account while switching between my XXXX Robinhood accounts ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I had multiple positions open with sell limit orders set in the individual XXXX  account. Those sell limits triggered a few minutes after accidentally switching the wrong account, resulting in several day trades at once and the XXXX flag/restriction blocked my account. 

This was entirely unintentional, I was simply shuffling between the XXXX accounts and made a mistake enabling margin in the incorrect one. I'm new to trading and have been getting more involved, i'm still learning the processes of day trading and am not attempting to break any XXXX rules or break any other rules for that matter. 

My account is now restricted under review until XX/XX/XXXX. I understand this is a first-time issue and would greatly appreciate a XXXX flag removal to restore normal access. I believe I had a similar issue a few weeks ago while learning still and the XXXX reminder was not set to inform me. In the future I will slow down and pay attention to what I am doing. I appreciate any expedited service so I can continue investing and learning robin hoods platform and creating strategies for myself and future. 
Currently there is {$8500.00} of my money locked and can not be withdrawn or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IN

Complaint narrative:
In XX/XX/year> I went into a US Bank branch to open a checking account. My account was opened for less than a month when US Bank closed my account. I was never given a reason for the closure, however I was perfectly fine with ending all business relationships with US Bank. Upon closure my account showed a balance of less than {$2.00} dollars. The next month i received a notification that I owed {$62.00} I called US Bank customer service to inquire about the amount owed but I wss never given a definitive response. I recently found out US Bank has reported this account to check systems as account abuse with {$62.00} as unpaid amount. This is the second time US Bank has reported my account with them to check systems labeled as account abuse. This is a retaliation attempt for me questioning US Bank about issues i had with their customer service. I was never given a reason or an opportunity to pay what they claimed was a past due balance of 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 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
my account was a charge off which means I was supposed to receive a 1099c. so, they got a tax break, and I'm supposed to claim that on my taxes. They have already written it off as a profit loss on their taxes. so, I am requesting a 1099c to report on my taxes as income. So technically I can report you to the IRS for fraud. because you have written it off on your taxes. you can't say you haven't written it off because on my credit report it says you have, so you are reporting inaccurate things on my credit which is fraud. 15 U.S. Code 1681 ( c ) 2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FC HoldCo LLC
State: GA

Complaint narrative:
XXXX is a company that knows you do not owe the debt i have no knowledge of this account i have tried and they keep putting it on my credit this company needs to be investigated for illegal practices.

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