vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
CFPB Complaint Narrative Company Name : Wells Fargo Bank , N.A . 
Product : Checking Account / Savings Account Issue : Account closed without explanation / Problem with a transaction Description of Incident : I am a customer of Wells Fargo ( Account Number : XXXX ). I am filing this complaint because Wells Fargo has closed my account following a single, honest, and self-reported administrative error involving a duplicate check deposit. 
On or around about XX/XX/XXXX, I deposited a check for {$1000.00}. Due to a human error ( misreading the year of the dates of the check ), i inadvertently deposited the same check a second time on XX/XX/XXXX. As soon as I realized the mistake, I proactively contacted Wells Fargo to report the error and ensure the second transaction was reversed. I had no intent to commit fraud and acted in good faith to rectify the situation immediately. 
Despite my transparency and immediate reporting, a Wells Fargo banker treated the situation as a criminal matter rather than an honest mistake. The bank has since closed my account, which has caused significant financial hardship and distress. 
I have attempted to resolve this directly with the bank by providing an explanation and outlining new preventative measures I am taking ( such as marking checks immediately after mobile deposit and using restrictive endorsements ). However, the bank has been uncooperative and has not considered the lack of fraudulent intent. 
Desired Resolution : I request that Wells Fargo review my case, acknowledge that this was an unintentional error by a long-standing customer, and reopen my account. If they refuse to reopen the account, I request that they ensure no negative report is filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that would prevent me from banking elsewhere, as no fraud was committed.

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 2026-01-26 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:
I am filing this complaint regarding Capital Ones handling of a disputed credit card charge in the amount of {$170.00} from merchant XXXX, a subscription-based XXXX XXXX XXXX 
XXXX XXXXents XXXX sets to subscribers and requires the sets to be returned after cancellation. I returned the XXXX sets to the merchant, and the merchant confirmed receipt of the returned property. 
After recovering the XXXX XXXX XXXXXXXX charged a full replacement fee for all three sets. The merchant stated that approximately {$40.00} worth of pieces were missing, yet charged {$170.00}, representing the replacement cost of all sets rather than the actual missing components. 
The merchant has acknowledged that the recovered XXXX sets can be re-rented. As a result, the merchant retained the property, retained the ability to re-rent it, and charged a full replacement fee far exceeding the value of the missing pieces. I did not authorize a replacement of the full sets, and I did not receive any goods or services in exchange for the charge. 
I disputed the charge with Capital One and provided documentation showing that the rental property was returned and that the merchants actual loss was limited to missing components. Capital One denied the dispute based on the merchants policy rather than addressing the disproportionate charge, recovery of the property, and lack of goods or services received. 
This resulted in payment of {$170.00} despite the merchant recovering the rented property and suffering only partial loss. I am requesting that Capital One properly reconsider this dispute and reverse the charge based on lack of authorization, disproportionate penalty, and payment without goods or services received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am receiving debt collection emails from TrueAccord Corp. for a consumer debt owed by a different person ( XXXX XXXX ). I am not the debtor. I am receiving the emails at my email address of XXXX. TrueAccord has disclosed the debtors personal information to me, including creditor name ( XXXX XXXX XXXX ), original creditor ( XXXX XXXX XXXX  XXXX. ), the balance, the last known address, and partial account number. This appears to violate the FDCPA, including 15 U.S.C. 1692c ( b ) ( third-party disclosure ), 1692e ( false representations ), and 1692d. I requested they remove my email and cease communication, but they continued. I want TrueAccord to code the account as wrong party, remove my email address, and confirm in writing. I also want XXXX XXXX XXXX notified because they are the current creditor. I am requesting CFPB assistance to stop future communications and address the unauthorized disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/year>, I followed up with Bank of America after filing a prior CFPB complaint regarding the improper use of my personal credit report in connection with a business credit application submitted under Flow XXXX XXXX XXXX, a registered business entity with its own XXXX. 

The prior complaint remains unresolved. Despite multiple contacts, I have received no written response, no correction of the issue, and no removal of the hard personal inquiry that was conducted under my Social Security Number rather than my XXXX even though I clearly applied as a business. 

On XX/XX/year>, I sent a formal Notice of Demand and Non-Disclosure Agreement ( NDA ) to Bank of America, outlining terms for resolution. The letter was acknowledged and received, but Bank of America has failed to honor the NDA or provide a lawful counter-offer. 

On XX/XX/year>, I received a phone call from a Bank of America XXXX XXXX named XXXX. During this call, she acknowledged the complaint and prior notices but denied the terms of the NDA, dismissed my concerns, and failed to provide any meaningful solution or clarification. Her tone was defensive and dismissive and the bank has not issued any written response regarding the matter since then. 

In addition, a {$55.00} gas station authorization was approved on XX/XX/year>, causing a negative balance of - {$28.00} on the linked business debit card, despite Bank of America denying me business credit. This resulted in an unauthorized credit extension, contradicting the denial and further confusing the terms of the relationship. 

Today, the account now shows a positive balance, but only because I personally had to fund it absorbing the loss caused by Bank of Americas actions. This disrupted my ability to begin payroll and operations as the only employee of XXXX XXXX XXXX XXXX. 

I am a veteran and have acted in good faith throughout the process. This experience has caused me unnecessary hardship, delay, and confusion, which could have been avoided with proper communication and compliance on the banks part. 
XXXX Requested : Formal written acknowledgment of the NDA sent on XX/XX/year>, or a lawful counter response. 

XXXX removal of the personal credit inquiry and proper classification of the application under the business XXXX. 

Correction of the business file, including removal of any internal flags or erroneous notes. 

Written explanation from Bank of America regarding the credit decision and gas authorization incident. 

Financial redress for unauthorized overdraft extension and the resulting business disruption. 

Compliance review of XXXX handling of the case and the Banks internal communication process.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Attorneys USA LLC
State: OK

Complaint narrative:
I am an XXXX XXXX XXXX servicemember and this complaint concerns Collection Attorneys USA LLC ( also operating as XXXX XXXX ) and their unlawful collection conduct related to a debt originally associated with XXXX. 

On XX/XX/XXXX, I sent this company a written debt validation request under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a Servicemembers Civil Relief Act ( SCRA ) interest rate reduction request under 50 U.S.C. 3937. I included proof of my XXXX XXXX military status and orders. In that letter, I formally disputed the debt and requested full validation and SCRA-compliant recalculation. 

Instead of complying with federal law, They proceeded to enter me into an agreement to pay the debt that I did not agree to And on XX/XX/XXXX, the company contacted my mother, who is not on the account, and disclosed information about the alleged debt and claimed legal action. This was not a location-only call. They discussed the situation and details of the debt. This constitutes an unlawful third-party disclosure, as debt collectors are not permitted to share debt information with third parties beyond strictly limited location purposes. 

At the time of this call : The debt had been formally disputed in writing Validation had been requested SCRA notice and proof of XXXX XXXX had been provided Continuing collection efforts and discussing the debt with a third party while validation was pending violates the FDCPA. Additionally, suggesting legal action while failing to comply with validation and SCRA requirements is misleading and coercive conduct. 

This behavior caused stress, embarrassment, and emotional harm, and interfered with my peace of mind while serving on XXXX XXXX. Servicemembers are entitled to special protections under federal law, and this company ignored those protections after being formally notified. 

The underlying debt has since been resolved with ACIMA, confirming that these collection efforts were unnecessary and improperly handled. 

I am requesting : Investigation into Collection Attorneys USA LLC for violations of the FDCPA and SCRA Documentation of how my dispute and SCRA request were handled Corrective action to ensure this conduct does not occur again Monetary compensation for the harm, distress, and unlawful third-party disclosure caused by their actions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
I set up a XXXX account to receive contributions, and the funds were directed to my PayPal account, which Ive had since XXXX but had not used until XX/XX/XXXX. When people started sending tips, PayPal unexpectedly closed my account without providing a reason and is now holding the funds for XXXX  days before releasing them. XXXX did not indicate that the funds needed to be sent to a specific type of account in order to be received properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: IL

Complaint narrative:
I am reporting a prolonged administrative failure involving PayPal, XXXX, and XXXX  XXXX XXXX that has prevented me from receiving an approved refund of {$3700.00} for nearly a month. 

The transaction was paid using my XXXX  XXXX XXXX debit card via PayPal. 

Initially, I opened a dispute only with PayPal after XXXX provided no status updates and repeatedly directed me to contact XXXX without resolution. During this period, I did not receive substantive updates from PayPal. 

Due to the lack of progress and guidance, I then opened a dispute with XXXX  XXXX XXXX as a secondary step. 

In early XXXX, XXXX formally approved a full refund and confirmed in writing that the refund was system-generated, marked as processing, and provided an estimated arrival date of XX/XX/2026. 

After XXXX approved the refund, I contacted PayPal. PayPal representatives repeatedly informed me that they could not accept or process the refund unless the XXXX  XXXX XXXX dispute was closed first. 

Acting on PayPals instructions, I contacted XXXX XXXX XXXX and formally withdrew the XXXX  XXXX XXXX dispute on Friday, XX/XX/XXXX, specifically to allow PayPal to accept the Airbnb refund. 

XXXX attempted the refund again and provided a transaction ID on XX/XX/XXXX, and I was advised to check my PayPal account on XX/XX/XXXX. However, PayPal still did not accept or process the refund. 

Because the refund was still not being accepted and PayPal provided no resolution, I contacted XXXX  XXXX XXXX and reinstated the dispute, as the refund had not been completed despite following XXXX instructions. 

As of XX/XX/XXXX, I have contacted PayPal, XXXX, and XXXX  XXXX XXXX XXXX XXXX. No party can provide a clear status, timeline, or resolution path. PayPal continues to administratively block the refund, XXXX has stopped attempting to resend it due to chargeback status, and XXXX  XXXX XXXX can not resolve the dispute without PayPal completing the refund. 

I have spent multiple hours on the phone with all parties. This is a systemic administrative failure between institutions, not consumer error, and it has resulted in a nearly month-long delay of a substantial sum. 

I am requesting XXXX XXXX resolution team intervene to manually process or release the approved refund, or directly coordinate with XXXX  XXXX XXXX to resolve the chargeback block.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: Block, Inc.
State: OH

Complaint narrative:
Cash App wont let me get access to my funds after I giving them all the right information ID and social and they still wont let me get XXXX to my money there holding my money for a reason they wont disclose

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I scheduled an external transfer of {$9900.00} from my XXXX Bank account ( ending in XXXX ) to my SoFi checking account ( ending in XXXX ) .The funds were credited to my SoFi XXXX account on XX/XX/XXXX. That same day, I initiated a wire transfer of {$9800.00} to a family member. SoFi canceled the transfer and restricted my account, citing unusual activity. I contacted SoFi to complete verification, but they refused to remove the restriction or mail me a check for the funds held in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filing this complaint regarding the unlawful re-aging and misreporting of a consumer debt, resulting in false credit reporting, deceptive collection practices, and violations of federal and New Hampshire law. 
The original service date for the alleged debt is XX/XX/XXXX ( XX/XX/XXXX ). However, the debt was improperly re-aged and re-dated to XX/XX/XXXX ( XX/XX/XXXX ) by the collection agency, XXXX XXXX XXXX, and subsequently reported by TransUnion and XXXX. 
This alteration falsely represents the legal status and age of the debt and appears designed to evade statutory limitations and extend reporting and collection activity unlawfully. 
Detailed Facts The original service giving rise to the alleged debt occurred in XX/XX/XXXX. 
No new service, contract, or obligation occurred in XXXX. 
Despite this, the collection agency changed the date associated with the account to XX/XX/XXXX, effectively re-aging the debt. 
TransUnion and Experian accepted and published this inaccurate information. 
This re-aging makes the debt appear newly delinquent and within statutory collection and reporting periods when it is not. 
I dispute the accuracy of this reporting and assert that the date of first delinquency was unlawfully altered. 
Violations of Federal Law Fair Credit Reporting Act ( FCRA ) : 15 USC 1681s-2 ( a ) ( 5 ) prohibits a furnisher from changing the date of first delinquency to a later date.

15 USC 1681c ( a ) ( 4 ) and ( 5 ) limit reporting to 7 years plus 180 days from the original delinquency date. 
Re-aging the debt constitutes false credit reporting and a direct violation of the FCRA. 
Fair Debt Collection Practices Act ( FDCPA ) : 15 USC 1692e prohibits false or misleading representations regarding the legal status of a debt.

Re-aging a debt to make it appear legally enforceable or collectible when it is not is a deceptive collection practice.

Violations of New Hampshire Law RSA 508:4 New Hampshire imposes a three-year statute of limitations on personal actions, including consumer debt collection. Altering dates to evade this limitation is unlawful.

RSA 358-A ( New Hampshire Consumer Protection Act ) Re-aging and misrepresenting the age and enforceability of a debt constitutes : A deceptive act A misrepresentation of legal rights An unfair or deceptive trade practice This conduct qualifies as state credit fraud and consumer deception under New Hampshire law . 
Harm Caused False damage to my credit profile Exposure to unlawful collection activity Ongoing risk of improper legal action based on falsified dates Time and expense spent disputing knowingly inaccurate reporting

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 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
Planet Home Lending put lender places insurance on my property because I was dropped by my issuance XXXX after a claim. I got a new insurance XXXX in XX/XX/2025 and requested the services to update my escrow. They sent me XXXX escrow analysis, XXXX with a $ XXXX annual insurance premium which brought my monthly payment to $ XXXX. After calling and explaining that I should no longer be charged the XXXX premium since I have my own insurance they sent me an updated analysis with the $ XXXX premium removed and my updated annual insurance premium of about $ XXXX and total monthly payment of $ XXXX. We are now near the end of XXXX and my payment is not showing correct. I have called and emailed with no resolve. I need my payment correct ASAP with no negative impacts to my credit history. I should not be responsible to make a $ XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am submitting a complaint regarding retroactive deferred interest applied to my XXXX XXXX credit card issued by Comenity Bank/Bread Financial . 
My account included a promotional financing offer requiring payment in full by the end of the promotional period. The promotional end date was XX/XX/year>, followed by a short grace period that ended on XX/XX/year>. I missed the final payoff deadline by approximately XXXX days, with a remaining balance of {$1100.00}. As a result, approximately {$2200.00} in deferred interest was applied at once, increasing my balance to roughly {$3200.00}. 

Upon noticing this charge, I contacted Comenity Bank immediately and requested a one-time courtesy adjustment of the deferred interest. I also requested escalation to a supervisor and asked whether a partial interest reversal could be considered. These requests were denied. During this interaction, the supervisor confirmed that the deferred interest was calculated at an APR of XXXX XXXX, that it was applied retroactively from the original purchase date, and that it was triggered solely because a balance remained after the promotional period ended. This interaction was documented by the issuer under case number XXXX. 

I primarily manage and review my account through the mobile app. To view the warning notice, I would have needed to download and open the full statement PDF. The promotional deadline and the magnitude of the deferred interest were not clearly or prominently displayed through the app interface, which is the primary channel I used to monitor my account. While I understand that deferred interest was part of the promotion terms, I was not aware that missing the final payoff deadline by only a few days would result in the immediate application of more than {$2200.00} in retroactive interest. 

As a college student who also works full time, the sudden application of more than {$2200.00} in retroactive interest represents a significant and unexpected financial burden, particularly given that the delay was only a few days and I contacted the issuer immediately to resolve the issue. 

I believe the retroactive application of such a large interest charge for a delay of only a few days is disproportionate and not presented in a consumer-friendly manner. I made a good-faith effort to resolve this issue directly and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX, XXXX and XXXX XXXX XXXX are attempting to collect and have reported a fraudulent Prosper Marketplace account that resulted from identity theft. Prosper Marketplace received an FTC Identity Theft Report, a Police Report, and a CFPB Complaint in XX/XX/year>. Despite this notice, XXXX XXXX sold/assigned the disputed identity theft debt to XXXX XXXX. This violates FCRA XXXX ( a ) ( XXXX ) regarding the sale of identity theft debts and FCRA XXXX blocking requirements. XXXX XXXX and XXXX attempted collection and furnished the tradeline after documented identity theft. I request immediate investigation, full deletion of the XXXX tradeline, cessation of collection, and regulatory enforcement. Supporting documents attached.

Company response to consumer: Closed with non-monetary relief