vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: IA

Complaint narrative:
Credit Karma froze my account after disputing transactions that were not mine. I tried to transfer my money out to my normal bank and it wouldnt let me. Support would not unlock it for me to access the funds I need for living expenses urgently. They also told me it was sent to closure and could not tell me why or when I would get my money back. I need this money sooner than later. I will be calling their support again to request immediate disbursement via ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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 XXXX XXXX XXXX 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 {$4000.00}. 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 {$4000.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My debit cars is constantly locked and under review at random times for days at a time. Sometimes they cant unlock and sometimes they do. It has happened 30 times. I do not have a debit card to use my money. It has been locked for 5 days as I am currently typing this. I call USAA MULTPILE times to get my card unlocked

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I attempted to deposit {$1000.00} in cash at the drive-through ATM at Citizens Bank located at XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX The ATM ( ID XXXX ) produced an error message and printed a receipt stating We encountered a problem returning your cash. The machine returned {$800.00} to me but did not return or credit the remaining {$200.00} to my account. After the error occurred at the drive-through ATM, I went inside the bank and deposited the {$800.00} that the drive-through ATM returned using the ATM located inside the branch. I later filed a claim with Citizens Bank regarding the missing {$200.00} from the drive-through ATM transaction. The bank denied my claim and stated that {$800.00} was deposited to my account. While that statement is correct, that {$800.00} deposit was made using the ATM inside the bank after the drive-through ATM error occurred. It appears the bank investigated the inside ATM transaction instead of the drive-through ATM where the malfunction occurred. I also informed bank staff that the issue occurred with the drive-through ATM, but it does not appear that machine was properly investigated. The receipt from the drive-through ATM confirms that the machine encountered an error during the transaction. I believe the ATM retained {$200.00} during the malfunction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 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: WA

Complaint narrative:
I am submitting this complaint regarding an unauthorized electronic transfer from my Capital One checking account involving an XXXX XXXX transaction in the amount of {$360.00}. I reported this transaction to Capital One as fraud within the required timeframe. Capital One initially issued a provisional credit while they investigated the dispute. However, the bank later reversed the provisional credit and withdrew the {$360.00} from my account. Capital One never provided me with a written explanation of the results of their investigation and did not provide any documentation or evidence supporting their determination that the transaction was authorized. I also submitted evidence showing that the transaction was fraudulent, but my evidence appears to have been ignored. Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to conduct a reasonable investigation and provide the consumer with a written explanation when denying a claim or reversing provisional credit. In this case, Capital One reversed the provisional credit without providing any explanation of their investigation or the evidence they relied on. I am requesting that Capital One reopen the investigation, properly review the evidence I submitted, and reimburse the {$360.00} unauthorized transaction from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XXXX XXXX/Western Union XXXX XXXXXXXX XXXX XXXX XXXX ) Transaction number XXXX dated XX/XX/year> never paid out to intended recipient. Sender paid {$1700.00} USD in cash for a transfer amount of {$30000.00} XXXX Contacted Western Union on XX/XX/year> and opened case # XXXX after recipient made multiple attempts to receive money. Western Union advised it would take 20 days to research and provide a resolution. It's now over 30 days and Western UnionXXXX XXXX customer service indicate the department researching this can not be contacted directly so all we can do it wait. Multiple escalations to supervisors and the fraud department have not yielded any action or resolution. They are unable to advise on who is researching this and why the delay. There is no one at XXXX XXXX/Western Union that can help, unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I reviewed my consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for accounts : ( BRIDGECREST ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Also, this is not a charge off I own this car as I have paid in full Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
This company has put on my credit report debt that is clearly passed the statute of limitations, from an account that was held by a deceased relative and that I am not responsible for, and I have discovered mail to the account holder from XXXX dated from XXXX proving this which match the XXXX account number that was reported by Jefferson. This is not my debt and my next step is to file a FCRA lawsuit due to their false reports to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MD

Complaint narrative:
I am submitting this follow-up regarding my previous complaint concerning my account with Afni , Inc . The balance on this account has increased from {$4000.00} to {$7000.00}, but the itemized labor/damage papers provided do not support this total, and I dispute the accuracy of the debt. As I mentioned I believe that the other driver involved in the accident shares partial fault, which has not been considered. Until the debt is fully verified and accurate on both ends, I will not make any payments. I also request that all communications be conducted in writing only. I am documenting these actions for my records and any potential legal proceedings, as I have acted in good faith to dispute and resolve this debt responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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. 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 and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/year>. XXXX is {$980.00}. On XX/XX/year>, 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 {$980.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am submitting this complaint regarding my JetBlue credit card issued by Barclays Bank Delaware. Recently, my family has been experiencing a significant financial hardship. Following the birth of our child, both my wife and I were out of work on a leave of absence, which resulted in our household income being extremely limited for a period of time. While I returned to work in XXXX XXXX, my wife is still on leave, and our income remains significantly reduced compared to normal. As a result, I unfortunately fell delinquent on this account. I want to repay the balance and bring the account back into good standing while understanding the account is closed. I am requesting the opportunity to work directly with Barclays on a reasonable repayment plan that reflects my current financial situation so that I can responsibly resolve this debt. Additionally, I respectfully request that Barclays consider providing a goodwill adjustment by waiving some of the late fees or penalty charges that have been assessed during this period of hardship. Removing or reducing these fees would make it significantly easier for me to get back on track and repay the balance. In XX/XX/year>, I attempted to contact Barclays by phone to discuss hardship options as I was returning to work but I was referred to a third party rather than being offered assistance directly through Barclays. I would prefer to work directly with Barclays to remediate this account and establish a manageable path forward.

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 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Request for Verification of Accounts FCRA Section 609 To Whom It May Concern, I am writing regarding several items appearing on my credit report that I believe may be inaccurate or unverifiable. Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681g, I am requesting that you provide the original source documentation that verifies the accuracy of the following accounts and inquiries. The items in question are : XXXX XXXX Reported XX/XX/XXXX XXXX ( XXXX XXXX ) Listed on my credit report XXXX XXXX XXXX Listed on my credit report XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Under the FCRA, I am entitled to receive a full disclosure of the information contained in my credit file and the sources of that information. Therefore, I am requesting copies of the original documents used to verify these items, including but not limited to : 1. The original signed contract or application bearing my signature. 2. The complete account records and transaction history. 3. Documentation verifying that these accounts or inquiries were authorized by me. If TransUnion can not provide physical documentation proving the validity and authorization of these items, I request that they be removed from my credit report immediately. Please complete your investigation and provide the requested documentation within the time frame required by the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. Sincerely, 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 2026-03-12 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:
XXXX. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX ( secondary : 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 and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/year>. Balance is {$10000.00}. On XX/XX/year>, 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 {$10000.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am filing this complaint regarding a collection account that I have no knowledge of. The debt collector has been repeatedly contacting me by phone and mail attempting to collect on this account. I have already informed them that I do not recognize this account and requested that they stop contacting me. Despite my request, they continue to call and send collection notices demanding payment. I do not believe this debt belongs to me, and their continued attempts to collect are causing unnecessary stress and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following account that is being reported on my consumer credit report : Creditor : Resurgent / LVNV Funding Account Type : Collection Account ( Debt Buyer ) Balance : {$630.00} Date Opened : XX/XX/year> This account is being reported without proper validation and in violation of my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c. Under 15 U.S.C. 1692c, debt collectors are restricted from engaging in unlawful or unauthorized communication with consumers regarding alleged debts. I do not recall providing consent for Resurgent or LVNV Funding to communicate with me regarding this alleged debt, nor have I received proper written validation as required by federal law. Furthermore, reporting this account to consumer reporting agencies without providing validation or proof of authorization constitutes unlawful collection activity and improper communication under the FDCPA. Therefore, I am requesting the following : 1. Immediate validation of this alleged debt, including the original signed agreement bearing my signature. 2. Documentation proving that Resurgent / LVNV Funding has the legal right to collect on this debt. 3. Proof of permissible purpose for obtaining and reporting my personal credit information. 4. A complete record of all communications allegedly made with me regarding this account. If you can not provide the requested documentation, you must immediately cease all collection activity and request deletion of this account from my credit file with XXXX, XXXX, and XXXX. Failure to comply with federal law will leave me no option but to file formal complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission for violations of my consumer rights. Please consider this letter a formal notice to cease unlawful communication regarding this alleged debt until it has been fully validated. I expect written confirmation that this matter has been resolved and that the account has been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from XXXX adjustment in the amount of {$1700.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : 1. A full investigation of this account and the reporting practices related to it. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Proof of reasonable procedures used to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 4. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized charges on my American Express XXXX XXXX credit card. My account shows numerous transactions from different merchants including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not authorize these purchases. I reported these transactions to American Express as fraud and expected the company to conduct a proper fraud investigation. However, American Express failed to properly investigate these charges and did not provide a clear explanation of how it determined that the transactions were authorized. These transactions occurred across multiple merchants and include an international charge, which should have raised clear fraud alerts. Despite reporting the issue, American Express failed to take reasonable steps to investigate or resolve the fraudulent activity on my account. As a consumer, I believe American Express failed to conduct a reasonable investigation into the fraudulent charges and failed to adequately protect my account after fraud was reported. I am requesting that American Express reopen the fraud investigation, remove all unauthorized charges associated with these transactions, and provide a written explanation of the evidence used in determining that these transactions were authorized.

Company response to consumer: Closed with explanation