vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 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: Credit Karma, LLC
State: DC

Complaint narrative:
My Credit Karma account was frozen without warning while funds were already deposited and available. I was not notified in advance, and no explanation was provided at the time the restriction occurred.

I contacted customer service by phone and spoke with a representative who confirmed my account was frozen and stated the issue had been escalated. However, no reason for the freeze was given, no timeline for resolution was provided, and no follow-up communication occurred.

As of today, my account remains restricted and I am unable to access my own funds. I have repeatedly attempted to obtain information regarding why the account was frozen and when access would be restored, but the company has failed to provide any explanation or resolution. 

This has caused financial hardship due to the sudden and unexplained loss of access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financing gave me options to overcome the lack of payments ( 4payments of {$290.00} ) ; then, initially I wanted to return the car because it had the Transmission Broke ; so I told them that and said that I did not have money for making payments and repair the transmission and preferred to return the car because I had no money due to my health issues and I was not working for almost 4 years. They told me to fix the car and then start making payments after 2 months. I paid for replacing the Transmission and then they started to be calling the next month me even on Sundays .. They told me to pay {$500.00} .. and I would have a new agreement to lower the payments ; the next week they were harassing me all the time.... As before they told me to pay {$430.00} more, and they would make a new agreement to lower the payments ; and I asked them to tell me what the agreement would be ; and they said that I had to pay first to have the information for a new agreement; again did it selling my tools : and even paying that money, they said that I did not qualified for that agreement; and now they want me to pay the next 10 day of XXXX in order to avoid the repossession of my car, which is the only way to go back to work even been already retired by my age .. and still calling me on Sundays at XXXX. I told them to give me the chance to lower the payments to {$200.00}, and 2 more months to restore the payments. and get the car which I owe only {$2000.00} to finish. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/year> I was trying to send money to a friend which was XXXX and it accidentally got sent to the wrong person with the same name I called the company to see if they can fix the matter and they started a dispute claim. On XX/XX/year> the dispute claim was denied saying due to no error when there was a error I call the company back to see why it was denied the company suggested that I start the claim again and send in more proof of the error I sent them XXXX documents showing them the error and on XX/XX/year> the company denied my dispute again. I contacted the company on XX/XX/year> to get in contact with the upper office to state my complaint but the company told me there no number for the corporate office and the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
My personal information was involved in identity theft and data breach. I called all bureau to have the information deleted and they failed to delete from my personal account on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am writing regarding the alleged debt referenced above. I dispute that I owe this debt and request that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following : The amount of the alleged debt. 
The name of the original creditor. 
A detailed statement showing how the alleged debt was calculated. 
Copies of any documents bearing my signature that show I agreed to assume this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 
XXXX. The name and address of the current creditor if different from the original creditor. 

Important Notice : Until you provide the requested validation, you are prohibited under 15 U.S.C. 1692c from further contacting me, except to advise that collection efforts are suspended or that you are providing the requested verification. Any continued reporting of this debt to credit reporting agencies without validation may constitute a violation of 15 U.S.C. 1681s-2 and 1692e, including reporting inaccurate information or attempting to collect a debt you can not verify. 

I request that all communications regarding this debt be in writing only. 

Failure to provide proper validation will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, and I may pursue statutory and actual damages under the FDCPA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
CFPB Narrative PNC BANK XXXX unauthorized XXXX XXXX transfers totaling {$2100.00} occurred on XX/XX/year>. These transactions were not initiated, authorized, or benefited by either account holder. 
The transactions were identified on XX/XX/year>, while still pending. XXXX XXXX was notified immediately through in-app chat and acknowledged the report as unauthorized, transferring the matter to its disputes team. PNC Bank was also notified promptly by telephone. A police report was filed with XXXX XXXX XXXX. 
PNC issued a provisional credit on XX/XX/year>. On XX/XX/year>, PNC reversed all provisional credits and debited the account. 
PNCs written determination states that all three transactions were denied based on Customers Historical Pattern of Use. The determination does not state that the specific transfers were authorized. 
After issuing its denial and reversing provisional credit, PNC representatives later contacted us and began asking basic investigative questions, such as whether the debit card was in the account holders possession, whether a mobile device was used, whether the card was left in an ATM, and whether the transactions were authorized. These are questions Regulation E requires to be resolved before a determination is issued. Their post-denial nature demonstrates that no completed reasonable investigation existed at the time liability was imposed. 
PNC has refused to provide the investigative documentation, technical data, or third-party representations it relied upon. 
Following the reversal, PNC applied subsequent direct deposits to the negative balance created by the disputed reversal, seizing funds while the authorization determination remains formally appealed. 
Requested resolution : Restoration of all disputed funds ( {$2100.00} ) Return of funds taken by offset Production of the full investigation file and XXXX-party records Explanation of how authorization was determined Correction of any adverse account records Review of PNCs Regulation E investigation practices See attached exhibits XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
Complaint for selling me table funded dry transaction ( illegal in Michigan ), demand to disclose full chain of Title to the debt and proof of sale to XXXX ( wire transfer receipt, cancelled check, endorsed to XXXXXXXX XXXX Assigned to XXXX XXXX and proof of derecognition of this asset by XXXX XXXX XXXX XXXXXXXX. 
On XXXX XXXX hedge fund XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX, now CrossCountry Mortgage sold me a table funded dry transaction ( illegal in XXXXI ) masqueraded as VA guaranteed loan. 
lawyer XXXX at the hearing insisted that XXXX XXXX was the lender for XXXX, not for me I demand disclosure under XXXX, XXXX and TILA whose money were used to fund the transaction, and the full chain of title evidencing that XXXX sold my transaction to XXXX XXXX and supporting documents - proof of sale, endorsed to XXXX XXXX  and Assigned to XXXXXXXX XXXX. I also demand a statement of de recognition of this asset ( loan ) after it was sold to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I keep getting transactions from XXXX on my cash app account. Sometimes its XXXX dollars, other times its XXXX dollars or more. Countless times I got transactions from places that I dont even know and recently since I made a new cash app account, XXXX still found a way to now keep trying to charge my current cash app account. I checked my setting and I have no current subscriptions with them so I really think someone has my XXXX XXXX and XXXX XXXX XXXX so XXXX  what to do but I know I dont live in the area where these transactions are attempting to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Acima Leasing XXXX. XXXX XXXX XXXX, UT XXXX RE : CEASE AND DESIST NOTICE To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding your continued attempts to contact me concerning an alleged account or obligation. 

I am requesting that all communication from Acima Leasing immediately cease, including but not limited to phone calls, emails, letters, text messages, or any contact with third parties regarding this matter. 

Pursuant to my rights under applicable federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection statutes, you are hereby instructed to stop all further contact with me except as permitted by law, such as written confirmation that no further contact will occur or notice of specific legal action, if applicable. 

Failure to comply with this request may result in further action to protect my rights. 

This notice is sent without admission of any liability and without waiver of any rights or defenses, all of which are expressly reserved. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
This is to formally express my serious concerns and lodge a detailed complaint regarding FNBO 's recent actions concerning their card agreement and the management of my funds. 

It has come to my attention that FNBO is failing to adhere to the arbitration clause explicitly stipulated within our card agreement. This refusal is particularly concerning given multiple prior violations by FNBO of various provisions under the Fair Credit Reporting Act ( FCRA ) and broader consumer protection laws. Furthermore, FNBO 's current stance, refusing to engage in the arbitration process as detailed in its own terms and conditions, specifically contradicting the terms outlined in Paragraph XXXX of said agreement, represents a significant breach of contract and an apparent disregard for its own established dispute resolution mechanisms. This unilateral rejection of a mutually agreed-upon process is unacceptable. 

This is in bad faith and totally a violation of paragraph XXXX in their self serving card agreement that states THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES. PLEASE READ THE FOLLOWING PARAGRAPHS CAREFULLY. 
WITH LIMITED EXCEPTIONS, THIS ARBITRATION PROVISION ALLOWS EITHER PARTY TO REQUIRE THAT ANY CLAIM BE RESOLVED BY BINDING ARBITRATION. 

Compounding these issues, FNBO has, without my authorization or consent, illegally withheld and effectively converted {$290.00} of my funds. This unauthorized appropriation of my money constitutes an illegal act of conversion and an abuse of my financial assets. I possess documentation to substantiate this claim and expect immediate action. 

I demand a thorough and immediate investigation into these critical matters.

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 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
My MOHELA account is disabled and keeps displaying " Error XXXX '' every time I try to get a hold of customer service I am put on hold for hours.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 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: Majority USA, LLC
State: IL

Complaint narrative:
On XX/XX/year> I will withdraw my balance from my majority account are approximately XXXX dollars but I realize that I do not have access to the application call the majority numbers but they never answer, I communicate by mail and they tell me that they are under verification, then the next day they tell me that my account will be blocked and that the funds can not be transferred, I ask them why and they do not want to tell me the cause and they do not want to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date : XX/XX/year> RE : Summary of Credit Report Disputes Filed with Equifax, XXXX, and XXXX  To Whom It May Concern : I have filed formal disputes with all three major credit bureaus ( XXXX, XXXX, and Experian ) regarding numerous inaccurate and unverifiable items on my credit reports. This letter summarizes the key issues requiring immediate attention under FCRA 611. 
MAJOR DISPUTED ACCOUNTS : Charge-Off Accounts : XXXX XXXX XXXX {$6000.00} ) - Mathematical impossibility : {$6000.00} balance on {$3000.00} credit limit, missing payment history, improper charge-off timeline XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXX - Auto loan lacking repossession documentation, deficiency calculation, and required consumer notices XXXX  XXXX XXXX  ( {$1200.00} XXXX - XXXX  charge-off timeline XXXX XXXX  XXXX Accounts ( {$6100.00} XXXX XXXX - Potential identity theft pattern ; all opened within 4 months and charged off immediately Collection Accounts : XXXX XXXX XXXX ( XXXX accounts : {$3800.00} and {$5900.00} ) - Debt buyer can not verify ownership or legal right to collect XXXX  XXXX  ( {$340.00} ) - FDCPA violations ; reported before debt validation period XXXX XXXX  ( {$340.00} ) - Disputed account with no verification Other Issues : XXXX XXXX XXXX  - Inaccurate " canceled by credit grantor '' notation XXXX  XXXX - Contradictory past due information XXXX  XXXX accounts - Incomplete reporting conflicts with XXXX XXXX XXXXXXXX Department of Education loans - Balance increases and deferment status need verification Critical System Error : Credit utilization calculation shows {$0.00} credit limit, causing incorrect XXXX score DEMANDED ACTIONS : Under FCRA 611, I demand that all three bureaus investigate and either verify with complete documentation OR DELETE the disputed items within 30 days. Items that can not be fully verified must be removed immediately. 
I am maintaining detailed records and will file complaints with CFPB, FTC, and Louisiana Attorney General if proper investigation procedures are not followed. 
All correspondence must be in writing to the address above. Do NOT contact by telephone. 
Respectfully, 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 explanation
Consumer complaint received 2026-01-25 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:
Subject : Complaint Against PayPal for Unjust Chargeback Handling ( Order # : XXXX ) Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally complain about PayPals failure to independently review a chargeback dispute despite clear evidence of delivery and buyer acknowledgment. PayPal upheld the chargeback solely based on the buyers credit card issuers ruling, disregarding its own obligation to assess disputes fairly under U.S. consumer protection laws. 

Details of the Transaction : PayPal XXXX ID : XXXX XXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX Transaction ID : XXXX Your Transaction ID : XXXX Invoice Number : XXXX Date : XX/XX/year> Amount : {$2000.00} USD Dispute Amount : {$2000.00} USD Evidence Provided to PayPal : Full tracking information showing the buyers delivery and signed receipt. 
Communication records confirming the buyers acknowledgment of receipt. 
Screenshots of PayPals dispute resolution outcome ( denied despite evidence ). 
Issue : PayPals decision to accept the credit card issuers ruling as final without independent review violates its duty to conduct a fair assessment of disputes. The buyers unjustified chargeback claim led to my account being debited {$2000.00}, causing significant financial strain. PayPals reliance on the issuers decision ignores the clear evidence of fulfilled delivery, demonstrating a failure to protect merchant rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

Request : I urge the CFPB to investigate PayPals handling of this dispute and request a review of the chargeback decision based on the provided evidence. PayPal must be held accountable for its failure to independently evaluate disputes, which undermines trust in its payment system. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
Personal information involve in identity theft and a data breach. I reached out to the credit bureau to have them delete and they failed to respond or delete inaccurate information also I informed its illegal to keep reports on your credit with XXXX balance owed. Please delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: TX

Complaint narrative:
XX/XX/year> XXXX received a text saying " Cadence Bank : did you attempt to XXXX  transfer XXXX to XXXX XXXX XXXX Reply yes or no '' i replied " no. '' and then received a call from who I thought was my bank. They stated they also saw a XXXX XXXX transaction, a XXXXXXXX XXXX XXXX transaction and a wire transfer for " mortgage '' I said none of those were from me. They asked me to verify the amounts in my account and I did. They then said my online banking had been compromised and sent me an " encrypted '' text asking for my login and password, which I gave them. They said that in order to get my new account up, I had to verify charges and transfer {$1000.00} to " cadence-frd '' on XXXX. I did. I called the number on the back of my card and told them, which was shortly before I realized what had happened. I hung up and called back and explained the situation. The bank put a hold on my card, i can no longer access my bank account and i recieved an email saying that I changed my contact info, which i did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
XX/XX/XXXX - I noticed my holdings is showing XXXX balance but I did not make any withdrawal ( last transaction made was XXXX, balance is XXXX XXXX ), email sent to XXXX to get details why this is the case XX/XX/XXXX - XXXX  XXXX  responded to get my XXXX XXXX which I replied back same date XX/XX/XXXX - XXXX  XXXX  escalated the issue to their engineering department XX/XX/XXXX - Followed up support, no response received XX/XX/XXXX - Followed up again, no response still XX/XX/XXXX - Another follow-up and have included XXXX for complaints but no response received

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
My information was involved in identity theft and a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Deposited {$4500.00} escrow check from XXXX XXXX bank into Navy Federal Credit Union, {$2200.00}, applied it to line of credit debt from XX/XX/XXXX. Line of credit debt was charged off or sold around mid yr. XXXX or XXXX due to my inability to pay.The line of credit was {$15000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I XXXX XXXX made a dispute with cashapp. I was scammed by another cashapp recipient and I havent received my refund. The recipient scammed me. She did not service me on what I paid for.

Company response to consumer: Closed with explanation