vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: American First Finance, Inc.
State: NC

Complaint narrative:
I entered into multiple lease-to-own agreements with American First Finance for XXXX XXXX XXXX through a retail partner. These agreements included XXXX washing machines and XXXX dryer. All three appliances experienced repeated mechanical failures within an unreasonably short period of time. The first washing machine was determined to be unrepairable, and I was required to enter into a new lease agreement for a replacement unit, which also subsequently failed within months. The second washing machine required multiple repairs, including a door lock malfunction, and ultimately a motherboard failure with a quoted repair cost of approximately {$500.00}. The heating element went out on the dryer repeated times in addition to a belt repair. In total, there were approximately fifteen ( XXXX ) service visits related to these appliances. These were not cosmetic issues, but repeated mechanical failures that prevented the appliances from functioning for their intended purpose. Despite these repeated failures and repair attempts, the issues were never permanently resolved. As a result of these failures, I incurred significant financial harm, including {$2300.00} in payments made toward defective appliances, approximately {$3500.00} in lost wages due to time missed from work for service appointments, and additional incidental costs such as laundromat expenses, increased utility usage, and transportation costs. I was ultimately forced to purchase a replacement washing machine for {$800.00} due to the unreasonable cost of repair relative to the value of the appliance. Although American First Finance asserts that no complaints or service concerns were submitted, this is inaccurate. The appliances required approximately fifteen ( XXXX ) service visits, all of which were documented through the merchant and/or their designated repair providers. Any failure of the merchant or affiliated service providers to communicate these issues internally to American First Finance reflects a breakdown in their business operations and partner oversight, not a lack of notice on my part. American First Finance has denied my claim, stating that the merchant is now out of business and that too much time has passed. However, the defects were ongoing and continued through recent dates, and the closure of the merchant does not eliminate the responsibility of the financing company in a transaction where the goods repeatedly failed to perform their essential purpose. I am seeking reimbursement for payments made toward defective appliances, compensation for documented financial losses, and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Subject : Regulation CC Violation Improper Holds, Misrepresentation, and Inconsistent Handling of Deposits I am filing a formal complaint against Bank of America regarding multiple check deposit holds that appear inconsistent, improperly disclosed, and non-compliant with Regulation CC. On XX/XX/year>, I deposited XXXX separate checks totaling {$12000.00} each. At the time of deposit, I was explicitly told that no hold would be placed on these funds. Later that same day, I received an email stating that a hold had been placed. I contacted the bank and was then told that XXXX check would be released and the other would remain on hold for verification. However, later that evening, I received another notification stating that other check had also been placed on hold, contradicting what I had just been told. The reasons providedpending funds verification and the check XXXX be returnedare general statements and do not meet the requirement under Regulation CC XXXX ( g ), which requires a specific and factual explanation for any exception hold. I have repeatedly requested clarification and have not been given any concrete basis for believing these checks are uncollectible. Additionally, I contacted the issuing bank, XXXX XXXX, which confirmed that the funds have already been deducted. Despite this, Bank of America continues to hold the funds without providing a verifiable justification under Regulation CC XXXX ( XXXX ). This situation involves : Contradictory information provided by bank staff Failure to provide a specific factual basis for the holds XXXX of vague, non-compliant explanations XXXX in hold decisions after initial assurances of no hold These actions have caused unnecessary financial disruption and reflect a lack of transparency and consistency in handling my deposits. I am requesting : 1. Immediate review and release of all improperly held funds XXXX. A detailed explanation of the factual basis for each hold XXXX. Confirmation that Bank of America is complying with Regulation CC requirements I expect this matter to be handled promptly and professionally.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I am filing a complaint against XXXX regarding an improper duplicate refund that resulted in a negative balance on my account. In XX/XX/year>, I received payments from the same individual for services. The transaction was later canceled, and I refunded the buyer on the same day through the payment methods I was instructed to use. I have proof of those refund payments. After that, the buyer filed a dispute with XXXX. XXXX refunded the buyer again without properly reviewing my refund evidence. This created a duplicate refund situation and caused a negative balance of {$460.00} on my account. I believe XXXX handled this improperly because : XXXX. I had already refunded the transaction. XXXX. XXXX did not properly review my evidence before issuing another refund. XXXX. The buyers statements were inconsistent with my business activity. XXXX. XXXX continues to demand payment while ignoring my evidence and delaying meaningful review. I submitted the documents XXXX requested and was told my account review would be completed within XXXX days. However, XXXX did not provide a timely response and continued sending negative balance reminders. I request a proper review of my evidence and correction of the negative balance caused by this duplicate refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
During the repossession of the vehicle, payments were still being made. There were many attempts made to contact the company to verify if the car was sold. There was no response made out to me. During the time of the repossession, there was full coverage on the vehicle.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding the permanent limitation placed on my XXXX account XXXX which has resulted in the freezing of my funds without prior withdrawal or clear justification. My account details are as follows : Name : XXXX XXXX XXXX XXXX Email : [ XXXX ] Account Creation Date : XX/XX/year> I am a small business seller, and my account had been receiving only small amounts of transactions until XX/XX/year>, when I received a legitimate payment of {$1500.00} USD for the sale of XXXX Riftbound Origin Booster and XXXX sealed box case. After XXXX deducted transaction fees amounting to {$68.00}, my balance reflected {$1400.00} USD. However, on XX/XX/year>, my account was suddenly and permanently limited, and all my funds were placed on hold before I was able to withdraw any amount. I was not given a clear explanation of what policy I allegedly violated, nor was I given a fair opportunity to resolve the issue. I have already attempted to appeal through XXXX support channels, but I was informed that the decision is final, without a proper review of my submitted explanation and without considering the legitimacy of my transaction. I would like to emphasize the following : * The transaction in question is legitimate and part of my small business operations. * I am fully willing to provide any supporting documents, including proof of sale, communication with the buyer, and identification. * The funds currently being held are critical for sustaining my business and daily financial needs. Given these circumstances, I respectfully request the following : XXXX. A full and fair review of my account limitation. XXXX. A clear and specific explanation of the reason for the permanent limitation. XXXX. Immediate access to my funds, or at the very least, reconsideration of the XXXX holding period. I believe this action has caused significant financial hardship and disruption to my business, and I am seeking a fair resolution. Please treat this matter with urgency. I am prepared to escalate this complaint to the appropriate financial and consumer protection authorities if necessary. Thank you for your time and consideration. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX Email : [ XXXX ] Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting a full investigation into the following disputed items on my Equifax credit report. The information listed appears to be incorrect or incomplete, and I request that it be verified and corrected accordingly. Charged Off Accounts : XXXX ( Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} ) : I request verification of this account and its details. Inquiries : XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : I request clarification and verification of this inquiry on my report. XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : I request clarification and verification of this inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reviewed my credit reports and discovered several accounts that appear inaccurate or unauthorized. These include : XXXX XXXX XXXX XXXX XXXX credit card account opened XX/XX/XXXX, charged off for approximately {$760.00} and later sold or transferred. XXXX XXXX XXXX XXXX credit card account reported charged off for approximately {$160.00}. XXXX XXXX XXXX credit account reported with late payments and duplicate reporting. XXXX XXXX XXXX XXXX collection account reported XX/XX/XXXX for approximately {$1100.00}, originally associated with XXXX XXXX XXXX XXXX I reviewed my credit reports and found several items that appear to be inaccurate or unauthorized. There are credit inquiries and accounts that I do not recognize, including accounts that were later reported as charged off or sent to collections. Some of these items appear to date back several years and may have been opened without my authorization. I disputed these items with the credit bureaus, but some were verified as accurate without proper documentation being provided to me. I also discovered incorrect addresses listed on my credit report that are not associated with me. Because of this, I believe my personal information may have been compromised through identity theft or a data breach. I have taken steps to dispute these accounts and inquiries and requested verification. However, the inaccurate or unverifiable information continues to affect my credit report.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I initiated a wire transfer through Wells Fargo on XX/XX/year>. On that same day, I requested a recall because I did not receive a response from the intended recipient. Wells Fargo processed the recall but then closed it without any response from the receiving bank, XXXX XXXX XXXX ( XXXX ). Wells Fargo also failed to contact me, despite my request for updates regarding the recall status. After receiving no communication, I contacted Wells Fargo customer service and was informed they could not assist me and that I needed to return to the branch where the wire transfer was initiated. After waiting and still receiving no response, I returned to the Wells Fargo branch on XX/XX/year>. During this visit, the associate was initially unwilling to assist and gave resistance when I explained that customer service directed me to the branch, as customers are not allowed to speak directly with the wire transfer department. The associate eventually contacted the wire transfer department, and a second recall request was initiated. During this visit, I requested the XXXX number and a case number. These were only provided after I insisted, as the associate repeatedly stated they were trying to leave for the day and did not want to wait to obtain the information. After this second recall, I again received no proactive communication from Wells Fargo. I later followed up and was told there was still no response from the receiving bank. At no point did Wells Fargo initiate a formal investigation into why the funds were not returned or why the receiving bank was not responding. The Wells Fargo branch then informed me that this second recall would be the final attempt they would make and that they would not provide any further assistance in resolving the issue. On XX/XX/year>, I contacted Wells Fargo customer service again and requested to speak with a supervisor to initiate a formal wire transfer investigation with supervisory review. I was told they could not assist and was again directed back to the branch. However, the branch had already refused to provide any further help. As a result, I am unable to access the department responsible for wire investigations, and Wells Fargo has failed to act as an effective intermediary on my behalf. The funds have now been unaccounted for over XXXX days. XXXX recall attempts have been made with no response from the receiving bank, and Wells Fargo has failed to : Conduct a formal wire investigation Provide a full XXXX wire trace Identify the current location of the funds, including any intermediary bank Explain why recall attempts have failed Provide any meaningful communication or updates The receiving bank, XXXX XXXX XXXX ( XXXX ), continues to hold the funds without explanation.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2026 Subject : Request for Access, Assistance, and Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally request access and assistance regarding inaccurate and inconsistent information being reported on my credit file. I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. The account in question is being reported by Portfolio Recovery Associates, and there are clear inconsistencies across credit reporting agencies. Specifically : - The account shows as open on XXXX, but closed on XXXX - There are discrepancies in reporting dates and account status - I do not believe this account is being reported accurately or in compliance with federal law Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Full verification of this account, including : - Original creditor information - Date of first delinquency - Complete payment history - Proof of ownership and legal right to collect 2. An explanation for the inconsistencies across credit bureaus 3. Immediate correction or deletion of this account if it can not be properly verified Additionally, I am requesting reasonable assistance as a consumer to ensure my credit file is accurate and that I am not being unfairly reported or harmed financially. Please be advised : - If this information can not be verified, it must be removed under federal law - I am documenting all communication and escalating this matter through the CFPB I expect a response within the required 30-day timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: CA

Complaint narrative:
I reported fraudulent charges totaling approximately {$13000.00} in XXXX and provided all requested documentation. XXXX removed some charges but is still reporting a balance of {$5900.00} as of XX/XX/XXXX. Based on my payments and credits, my account should show a credit in my favor of over {$6000.00}, not a balance owed. I asked XXXX to explain which charges are valid and provide proof. They have not responded or provided any documentation. The remaining balance is disputed. As a result of XXXX continuing to report this disputed balance, my credit score has dropped from over XXXX to below XXXX, causing significant harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am a joint owner on a financial account with Golden 1 Credit Union. After a recent system/software update, I have lost the ability to view some transactions and bill payee information. I emailed and phoned the company to attempt to fix the issue. Golden 1 has informed me that access can only be restored if the other joint account holder provides permission or creates a login for me. As a joint account owner, I should have full access by default, without requiring permission from the other account holder. Denying me access prevents me from monitoring transactions, managing funds, and protecting my own financial interests. I believe this practice may violate consumer protections and account ownership rights. I am requesting an investigation into this issue and assistance in ensuring that joint account owners have equal access to their accounts. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am filing this complaint against PayPal regarding the wrongful deactivation of my business accounts and the withholding of my funds. I have maintained a PayPal business account for over XXXX years with a flawless record : I have never had a dispute filed against me, nor have I filed a dispute for any transaction. I have processed thousands of dollars in payments through PayPal over the years. Due to significant health challengesincluding a XXXX XXXX, XXXX XXXX and the recent loss of my spouseI have had to adjust the way I operate my business. I informed PayPal via customer service chat of these changes to ensure transparency and prevent any issues with my accounts. Based on guidance from PayPal support, I opened a second business account because my new business had a different merchant code and PayPal does not support multiple businesses on XXXX account. During this period, both accounts were subjected to identity verification, which I completed immediately. I stayed on chat support throughout to ensure there would be no flags on my accounts. Despite this, I received an email stating that I was nearing my monthly sales threshold and was immediately blocked from transferring funds. Shortly afterward, I received emails requesting additional business information, and then an email stating that my account had been deactivated, with my funds being held for XXXX days. These actions have caused severe financial hardship. The money in my accounts from my customers was intended for essential bills, including overdue utilities, and PayPals refusal to release it has left me in a critical situation. I have reached out to PayPal support multiple times and received empathetic responses acknowledging my clean record, yet my appeals have been denied with inconsistent and unsubstantiated explanations. I am requesting that PayPal immediately release the funds held in my accounts and provide a clear, verifiable explanation for the account closures. This complaint is filed due to PayPals unfair, inconsistent, and harmful treatment of a long-standing, compliant business customer.

Company response to consumer: Closed with explanation