vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I got a letter from Credit Collection Service naming the creditor as my former insurance, XXXX XXXX XXXX XXXX. I am not owing XXXX XXXX any payment, as I have changed my car insurance provider about one year ago. I still have the login credentials to the XXXX XXXX website, and it shows I have XXXX balance and do not owe any balance. the mail I received states that i should go to discountopportunity.com to pay, I'm sure this is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
XX/XX/XXXX - The amount has been removed and deleted for XXXX XXXX XXXX. - Santander has removed and I have documentation and CFPB needs to review and investigate WHY, I am still not able to login and dispute with XXXX and XXXX website. - The credit report information has been disputed, the credit report has been update with XXXX, it should show repoession, defiency balance and information for XXXX XXXX XXXX or Santander on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: RI

Complaint narrative:
XXXX XXXX I did XXXX usd transfer to XXXX, due to some personal issues I have ro cancel the transfer. On XXXX XXXX I have notification from western union XXXX to XXXX business days money will be credited to account. I called several time to western union and respond is same. Again om XXXX XXXX they changed the status and again they asking me to wait for another XXXX days. This impacted my schedule and unable to take care of few emergency expenses here and back home. Response from western union is encouraging and they have a given a false commitment that amount will be credited on XXXX XXXX. Customer care are not in syncing and they are giving incorrect details to customer. This impacts badly for me I need help...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: CA

Complaint narrative:
My minor son was able to open a Venmo account, @ XXXX , without parental consent and age verification. On XX/XX/year>, my son sold an item via XXXX XXXX and received payment of {$450.00} through XXXX. The buyer subsequently claimed the item was defective but refused to return it. I have attached the messages in support of this and the establish that the buyer was using XXXX fraudulently so he could keep both the item and the money. This is violation of California law that XXXX is aiding with its practices. Without any notice to my son, XXXX reversed the transaction on XX/XX/year> and took {$450.00} from my son 's account. My son was not notified that the was going to happen nor given an explanation by XXXX as to why this was done. Additionally, this transaction was not listed on his monthly statement. He took a screenshot of the transaction thankfully to memorialize the transaction. I contacted XXXX telephonically on or about XX/XX/year> and then via email to get an answer as to why the money was just taken from his account. I was never given a specific explanation as to why the {$450.00} was taken from his account. I was merely informed that XXXX is to be used between persons that you know and provided a link to a User Agreement that POST DATED the transaction at issue. I requested the specific User Agreement that was in effect at the time of the transaction and never received it or a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Capital One credit card was used for unauthorized transactions totaling approximately {$2000.00} at XXXX XXXX and XXXX. I did not make these purchases and have never used this merchant. I noticed the fraudulent charges and immediately reported them to Capital One as unauthorized. I filed a XXXX dispute through Capital Ones process. However, my claim was denied, and Capital One closed my account and held me responsible for the charges. Capital One stated that IP address information suggested the transactions were authorized. I do not recognize these transactions and did not make them. I believe my card information was stolen and used without my permission. An IP address alone does not prove that I authorized or initiated these transactions. I am requesting a full and independent re-investigation of these charges, including all available transaction-level evidence such as device information, authentication records, checkout verification methods, and merchant-provided data used to approve these purchases. I am asking that these fraudulent charges be removed from my account and that my dispute be reconsidered fairly based on complete evidence. I reported the fraud immediately upon discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CL Holdings LLC
State: GA

Complaint narrative:
I applied for a line of credit with Badcock and was able to purchase a bedroom suite with the terms being XXXX-months no interest. I noticed around XXXX of XXXX that I was being billed interest. I contacted the merchant and was told that I in fact was not being charged interest but the extra fees were from late fees. I explained that late fees are only {$25.00} per occurrence per month and that the amount that was showing due did not make sense. In XX/XX/year>, I contacted XXXX XXXX again and was able to speak with a XXXX. I was able to record some of this conversation where she explained to me that I should be being billed any interest due to me having XXXX-months no interest. She emailed me the ledger which was hard to read but she insisted that no interest was being billed to my account and that if it was, it was an accident and that it would be removed. In XX/XX/year>, I reach out again because I continued to see where I was being billed interest when I should not have been. I spoke with another XXXX that told me that for whatever reason there was a mistake on the other reps that I had spoken with but my account was accurate and I should being charged interest. He stated that he doubt that anyone told me what I had told him. I let him know that I had a recording of the previous supervisor saying that my account was XXXX interest for XXXX months. He gave me an email address to send it to and stated that it would be corrected if the XXXX actually said it. I have sent over the recording and still have not heard anything back. My original balance was just over {$5000.00} and now I'm close to $ XXXX.for my balance which doesn't make sense because the salesperson and XXXX other reps said no interest for XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am disputing this debt and the way this debt collector has handled this account. I do not agree that this debt is valid as reported, and I am requesting a full investigation. The debt collector has used communication tactics that I believe are improper, misleading, and unlawful under federal debt collection protections. I am not admitting that I owe this debt, and I am formally disputing the account, the amount claimed, and the companys authority to collect it. I am requesting that the debt collector provide full written validation of the alleged debt, including the name of the original creditor, the original account number, the full itemized balance, the date the account allegedly became delinquent, proof that I am legally responsible for the debt, and proof that this company has the legal right to collect on it. Until this debt is properly validated, I believe continued collection activity and continued credit reporting are unfair and improper. I am also disputing the information being reported to the credit bureaus. If this company can not verify that the account information is complete, accurate, and legally reportable, then it should be removed from my credit report immediately. I am requesting that this account be deleted from all credit reporting agencies, including XXXX XXXX, and XXXX, if the company can not fully validate the debt and prove the accuracy of its reporting. I am asking the Consumer Financial Protection Bureau to require this company to investigate my dispute, stop any improper collection activity, provide written proof of the debt, and remove the account from my credit report if it can not be verified. I also request that all future communication about this matter be made in writing only, and that the account be marked as disputed while this investigation is pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I financed a kitchen purchase through a store-branded credit account issued by Wells Fargo for XXXX XXXX approximately XXXX years ago ( XXXX ). The purchase included promotional financing terms ( deferred interest ). In XX/XX/XXXX, XXXX XXXX abruptly ceased all U.S. operations without prior notice. As a result, all manufacturer and merchant support associated with the purchase has been eliminated, including warranty coverage, service access, and the ability to obtain replacement parts for proprietary components. At the time of financing, the value of the transaction included not only the physical kitchen product, but also the associated support structure and warranty backing provided by the merchant. The sudden and complete loss of that support materially reduces the value of what was financed and significantly increases the consumers risk related to maintenance, repair, and long-term usability. I am not disputing that a balance exists on the account. However, I am requesting that Wells Fargo review the promotional financing terms and overall account conditions in light of this material change. Specifically, I am seeking reasonable relief such as an extension of the promotional period, interest adjustment or waiver, or other account modification. I have attempted to resolve this directly but have been directed to phone support only, with no accessible written communication channel for this account type.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I contacted the main office in XXXX, Kentucky and was transferred to a XXXX named XXXX. During the conversation, XXXX made several comments about my personal financial situation that I found inappropriate and unprofessional. More importantly, he stated that if I did not make a payment, OneMain would take the money from my bank account anyway. To my knowledge, there has been no court judgment, garnishment, or authorization allowing such action. This statement caused concern, as it suggests the company may withdraw funds without proper legal authority. I do acknowledge that I owe the balance ; however, I am currently unable to make a payment. This situation involves a late payment only, and the account has not been sent to collections nor has any legal action been initiated. I am requesting clarification of their policies and assurance that no unauthorized withdrawals will be attempted, as well as a review of the representatives conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: TX

Complaint narrative:
" Capital One opened a dispute for {$210.00} ( Case # XXXX ), provisionally credited my account, then reversed the credit. I was told to submit my receipt from the merchant. I did so. Capital One still refused to reinstate the credit with no valid explanation. This violates my rights under the Fair Credit Billing Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: NY

Complaint narrative:
I am reporting PayPals refusal to refund an unauthorized {$500.00} transaction that occurred on my PayPal account on XX/XX/year>. The payment was sent to an individual I do not know ( name : XXXX XXXX. XXXX, email : XXXX ) and was funded from my XXXX XXXX XXXX checking account ending in XXXX. I did not authorize this transaction. I received no login alerts, no twofactor authentication prompts, no device verification, and no notification of unusual activity from PayPal. The first time I became aware of the transaction was on XX/XX/year> at XXXX XXXX, when PayPal emailed me stating that the XXXX payment had cleared. Immediately after discovering the unauthorized payment, I contacted XXXX XXXX XXXX and filed a fraud claim. Later that same day, my bank account began showing unauthorized XXXX accountverify microdebits ( {$0.00}, {$0.00}, {$0.00} ) from an unknown individual through XXXX XXXX. These microtransactions are commonly used by fraudsters to test an account before larger withdrawals. This indicates that my bank account information was compromised as part of the same incident. Despite these clear signs of account takeover, PayPal denied my unauthorized access claim within minutes. When I appealed, PayPal denied it again. Their only justification was that the IP address used for the transaction was consistent. This does not prove authorization. IP addresses can be shared, spoofed, approximated, or reassigned by ISPs. PayPal did not review device logs, login history, or any other indicators of unauthorized access. I attempted to resolve this through PayPals Resolution Center and customer service, but I was not allowed to upload documentation or have the case properly reviewed. PayPal has refused to reopen the case or conduct a meaningful investigation. I am requesting CFPB assistance because PayPal has denied my claim without properly investigating the unauthorized access or the subsequent fraudulent activity on my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
they provided me wrong documents pertaining to IDENTITY THEFT FILED WITH CFPB, FTC AND POLICE THEY ARE REPRESENTING COLLECTIONS THAT OCCURED DUE TO IDENTITY THEFT AND FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX License Plate : XXXX Ladies & Gentlemen, As of XX/XX/year> XXXX extended a apology and {$150.00} gift card to me with the promise that within 10 business days the title of the vehicle will be released to us and that has not happened and on the contrary Radius Global Solutions keeps rejecting all legal evidence of full satisfaction under XXXX XXXX full payment completed plan and refuses illegally to relinquish the title. Kindly advise on what to do to escalate to secure the title on my vehicle that is dully and rightfully due 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 non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NY

Complaint narrative:
Direct Express has approximately XXXX dollars of my Social security funds and they won't release the money. I emailed and faxed copies of my birth certificate and social security card and my license but they will not validate my identity. I was told there is nothing I can do. I recently switched my payments to Current Bank online. But I still need my money from Direct Express. Direct Express has refused to activate my card to give me access. I have several Direct Express debit cards that are useless. The cards that were sent to my home address. When I tried to activate them Direct Express will not allow it. I'm desperate. I can not pay my bills. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair 3Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My phone was hacked on XX/XX/year>. Cash app is investigating it but XXXX cant guarantee I will get my money back. It is close to {$12000.00}. My bank has reimbursed me XXXX his reimburse me in XXXX XXXX is reimburse me for all the funds I have lost. The only one that has not refunded me is Cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citi Bank regarding a wrongful restriction placed on my checking account that is preventing me from accessing my own funds. The issue began when a branch transaction error caused multiple reversals, which triggered an internal security alert on my account. Since then, my account has been restricted and my funds have been held. I have already verified my identity in person at a Citi branch with valid government-issued identification, and I have received my debit card at my address, and checks have arrived. Despite this, Citis back office has refused to remove the restriction or release my funds. Citi has also rejected multiple valid phone numbers that I provided for verification and has stated that their process is different from the branch, leaving me with no working method to verify my identity. I was instructed to wait 710 days for a verification letter with a code, but that timeframe has passed and no letter has been received. At this point, Citi has blocked phone verification, branch verification, and delayed mail verification. As a result, I currently have no available method to access my account or my money, which is causing financial hardship, including the inability to pay rent and meet basic financial obligations. This situation was caused by the banks internal error, not by any action on my part. I have fully cooperated with all verification requests. I am requesting immediate resolution in one of the following ways : Removal of the account restriction and full access to my funds OR immediate account closure with full disbursement of my balance immediately. Citi Bank is effectively holding my funds without providing a functional or timely resolution process, which is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am just becoming aware that a lawsuit was filed against Santander Lending Agency.I have reason to believe I should have been compensated as well through that lawsuit.I have moved a few times since I used Santander as a lending agency.I may have been mailed a notice that I never received.I am asking that if I am owed any money that I can still be compensated.Please notify me of any other actions I may need to take. Best Regards, XXXX XXXX Email : XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I have been an active Bilt cardholder for over two months with a consistent payment history. On [ Date of email ], Bilt requested a photo of me holding my government ID for identity verification. Despite my privacy concerns, I complied and submitted the requested photo on XXXX, XX/XX/2026. It has now been several business days with no response. Although Bilt support informed me the case was 'escalated, ' my account remains locked and my card is unusable. This delay is unreasonable given that I have already provided the sensitive biometric and identification data requested. As an established customer, this lack of communication and denial of service is causing significant financial inconvenience.

Company response to consumer: Closed with explanation