vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
My federal student loans serviced by Nelnet contain multiple sub-accounts. One missed payment resulted in nine separate late payment entries being reported simultaneously across these sub-accounts. This appears to duplicate a single delinquency event and significantly overstates the severity of the delinquency on my credit report. I have since brought the account current and enrolled in autopay. The late payments occurred when I did not have access to the email account connected to loan notifications. I am requesting that the reporting be corrected so the delinquency reflects a single late payment event rather than multiple duplicate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
Hello, I am writing to request a review of monthly maintenance fees that have been charged to my Bank of America checking account over the past several years while I have been stationed overseas on XXXX XXXX with the U.S. military. I recently noticed that $ XXXX monthly maintenance fees were charged consistently during this period, including months in which direct deposits were made to the account. Because the account was largely inactive while I was serving abroad, I was unaware that these fees were continuing to accrue. Given my military status and the presence of direct deposits during portions of this time, I would greatly appreciate if the bank could conduct a full review of the account history and determine whether any of these fees may be eligible for reversal or goodwill adjustment. The cumulative amount over this period is significant, and I would be grateful for any assistance the bank can provide in resolving this matter fairly. Thank you for your time and consideration. Approximate total fees = 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have been a Capital One customer for approximately 20 years with checking, savings, money market, and credit card accounts. On XX/XX/2026, as part of my longstanding banking relationship with Capital One, I opened a new Small Business Basic Checking account. At the time of opening I also enrolled in a promotional offer requiring a {$5000.00} deposit held for 60 days in exchange for a cash bonus. Every failure described below was created entirely by Capital One. Issue 1 : Ignored cancellation request. At approximately XXXX XXXX EST on Monday, XX/XX/2026, I initiated ACH transfers from a XXXX Bank account linked to my Capital One profile for approximately 10 years. At XXXX XXXX EST the same morning I called Capital One to cancel the transfers due to incorrect amounts. Capital One took no action on this request for the entire business day. The following day, Tuesday, XX/XX/XXXX, Capital One proceeded to initiate the ACH transfers regardless, having had the full preceding business day to honor my cancellation request. Issue 2 : Unlawful funds hold with no electronic or written notice. Capital One initiated the ACH transfers on Tuesday, XX/XX/2026. Under Regulation CC Section 229.10 ( b ), ACH transfers are electronic payments requiring next-day availability by Wednesday, XX/XX/XXXX. The new account exception ( Section 229.13 ( a ) ) does not apply to electronic payments. Capital One held my funds with no valid legal basis and has never provided any electronic or written hold notice as required by Regulation CC Section 229.13 ( g ). In place of any notice, I received only verbal promises that were broken without advance warning : told funds available XX/XX/XXXX, they were not ; told XX/XX/XXXX, they were not ; then on XX/XX/XXXX, for the first time, told the hold may last until XX/XX/XXXX. As of XX/XX/XXXX, my funds remain completely unavailable, 7 calendar days after Capital One initiated transfers it had been instructed to cancel. I have been forced to file ACH disputes with XXXX Bank to recover funds that Capital One was obligated to cancel on XX/XX/XXXX and had no legal authority to hold after XX/XX/XXXX. Issue 3 : Systemic 2FA failure. On every call placed to Capital One during this dispute, their system has been unable to send a two-factor authentication code to any verified phone number on my account, despite having the same number verified on my profile for approximately 15 years. Each call required a manual identity verification process of XXXX to XXXX minutes including submitting photos of my driver 's license. This has occurred on every single call and Capital One has made no attempt to diagnose or resolve the defect. A detailed complaint with complete Regulation CC and UDAAP legal citations is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
This all occurred XX/XX/year>. I am currently experiencing financial hardship and have been trying to manage my auto loan responsibly. Recently, Hyundai Motor Finance required that I upload proof of insurance through their system. However, I have had difficulty accessing my account and completing this process. Despite my attempts to resolve the issue, I received notices indicating that if my insurance information is not uploaded, the company will place their own insurance on the vehicle and charge me for it. This would create an additional financial burden during a time when I am already struggling financially. My concern is that I have attempted to address this requirement, but the system and communication issues have made it difficult to comply. The threat of forced placed insurance charges while I am actively trying to resolve the situation feels unfair and financially harmful. I am requesting assistance in ensuring that my existing insurance can be properly documented and that no unnecessary or additional insurance fees are added to my account.

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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I placed multiple orders on XXXX for clothing and household items : Order XXXX, purchased XX/XX/year> Order XXXX, purchased XX/XX/year> Order XXXX, purchased XX/XX/year> Packages were missing several items. I reported the missing items to XXXX Customer Service on XX/XX/year>. XXXX issued refund confirmation emails for all missing items, but the refunds were later cancelled after my account was restricted. Because the goods were never delivered, I disputed the affected charges with my bank, XXXX, which issued credits to my account. I contacted Affirm to remove the balance associated with the undelivered items, but Affirm closed the dispute and says I am liable. I am seeking resolution for the undelivered items and removal of the balance from Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
A collection account appeared on my account on XX/XX/year>. Looking at the history it was from one month and closed. I had not account with XXXX XXXX bank at that time or any time. The account isnt mine or its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Ive tried disputing a fraudulent transaction with XXXX multiple times now from a wire that was made at the end of last year for XXXX. And submitted police reports and other evidence supporting my claim, and theyve denied it more than 3 times without a valid reason behind it. This has been a nightmare going back and forth with. The customer service and the way Ive been treated is absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Yes Chase XXXX Bank closed my account I needed several months of statements that could no longer access my account so I couldn't get those statements I asked the bank for statements and I've called several times to try to get statements but I've never received them so I won't statements on this account but they're not giving them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
The company bought the debt from an original lender. Reporting XXXX different information to XXXX different bureaus. Reporting to XXXX that its is the original creditor but report to another that Exeter is the original creditor. They showing that I open an account with them. I never open account with them XX/XX/year>. Where is the contract I sign with them to pay this debt? What was the monthly payments at the opening of the account? How is the account open with them and I got no agreement or contract? How can you open the account with a sign agreement between both parties? Why was the account open? What good or item or service I got for this account to get open? Exeter and XXXX XXXX are not the same company. Because Exeter sold the debt to XXXX XXXX and I never had an agreement with this creditor. So how can this company collect money from a service they never provided for me. With bonded context between I and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$1900.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : XXXX withdrawal restriction immediately and allow transfer of {$1900.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Mercedes-Benz Financial Services related to a vehicle account associated with my employer, XXXX XXXX account reference number on XXXX Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Auto Loan I am listed on this account as a co-signer, and the tradeline has been reporting on my credit report for some time. While the account relationship itself is accurate, the reporting of a 30-day late payment for XX/XX/year> is incorrect. I have repeatedly contacted Mercedes-Benz Financial Services requesting documentation, account tracing, and validation supporting the determination that the XX/XX/year> payment was late. Despite multiple requests, I have not been provided any supporting documentation or payment ledger showing that the payment was in fact late. Instead, I have simply been told verbally that the reporting is accurate, without any substantiation. Under the Fair Credit Reporting Act, furnishers of credit information are required to report accurate information and to conduct a reasonable investigation when disputes are raised. Specifically, FCRA 623 ( a ) prohibits the reporting of information a furnisher knows or has reasonable cause to believe is inaccurate, and FCRA 623 ( b ) requires furnishers to conduct a reasonable investigation when a dispute is submitted. At this time, Mercedes-Benz Financial Services has not provided the documentation necessary to verify the accuracy of the reported late payment. Importantly, I am not requesting deletion of the tradeline, as the account itself and the broader payment history are accurate and important to the completeness of my credit profile. Removing the entire tradeline would negatively impact my credit history and would not resolve the reporting error. Instead, I am requesting the following resolution : Conduct a proper investigation of the XX/XX/year> late payment reporting Provide account payment tracing or documentation demonstrating that the payment was actually late If such documentation can not be produced, remove the XX/XX/year> late payment notation only while maintaining the remainder of the tradeline and payment history Additionally, if the account is verified as accurate, I request that Mercedes-Benz Financial Services provide the Method of Verification ( MOV ) used in their investigation, including the name, title, and contact information of the individual or department that verified the information and the documentation relied upon in making that determination. Given the length of time this issue has been raised and the lack of documentation provided, I respectfully request that this matter be investigated and corrected promptly so that my credit report reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Complaint Submission : CFPB ( Short Version ) 1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after XXXX hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$2300.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$2300.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$640.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$640.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$1400.00} ). On XX/XX/XXXX, XXXX emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : XXXX withdrawal restriction immediately and allow transfer of {$1400.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Approximately two months ago I received a voice mail from Wells Fargo concerning a checking account they stated I had with them. I informed Wells Fargo concerning that I * never * opened any deposit account with them and any bank account they believed I had opened was fraudulent. Wells Fargo asked me if I knew who might have opened the account and I accurately told them I had no real idea who could have done that unless it was one or more of my university classmates and without my knowledge or permission. At this point I had Wells Fargo disable any login associated with that fraudulent account. Approximately three weeks after that I applied for a Wells Fargo credit card. The card was approved and I received the card at my USA home address and activated the card. When I attempted to set up new online access to manage my new credit card, I was refused access. I was instructed to call customer service. I called them and they informed me that I would not be allowed to set up online access unless I went to a Wells Fargo branch. I am currently overseas with my parents, one of which is XXXX XXXX military. I am working for my US employer, a major international company, managing an aspect of their overseas business. It will be impossible for me to visit a Wells Fargo branch for at least XXXX to XXXX months. During this time WellsFargos incompetence is making it extremely hard to manage my credit card account and even making payments or checking balances.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$130.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$130.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
My chime bank has been getting numerous debits which I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
Subject : Urgent Dispute : Unfair Account Closure and Frozen Tax Refund Funds Account Information : $ XXXX : $ XXXX Date of Closure : XX/XX/year> Description of Issue : My Cash App account was closed without valid cause, and my tax refund funds are currently frozen. On or around XX/XX/XXXX, my primary phone broke. I moved my SIM card to a temporary device to access my funds. When I attempted to use my Cash App card at a gas station, the transaction was declined three times for " insufficient funds, '' even though I knew the balance was present from my tax refund. Shortly after these attempts, my account was closed for " violating terms of service. '' I have not violated any policies. I believe the automated system flagged my legitimate attempt to use a new device and the subsequent declined transactions as suspicious activity. Efforts to Resolve : I have filed an internal appeal through the app and called Cash App XXXX at XXXX multiple times. Representatives have been unable to provide information, refused to escalate the call to a supervisor, and have not allowed me to explain the situation. Requested Resolution : I request that Cash App ( Block , Inc. ) immediately review and overturn this closure or, at minimum, allow me to withdraw my full tax refund balance to my linked bank account immediately And my phone number that I used to log into my account is XXXX thank you for your time and consideration of looking into this and helping me resolve my problem. XXXX bless.

Company response to consumer: Closed with explanation