vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America issued a refund check to me in the amount of {$780.00}. The check was mailed to me, but I never received it. On XX/XX/year>, I first discovered that this money had been withdrawn from my account, and I immediately contacted Bank of America to report the issue. I waited for more than six months and made multiple inquiries with the bank regarding the missing refund. After this long period, I was informed by Bank of America that the check had been stolen and was fraudulently cashed at another bank. Bank of America stated that the other bank account does not have enough balance to recover the funds. I did not receive, endorse, or authorize anyone to cash this check. I have requested a copy of the cashed check image, confirmation that a fraud investigation has been opened, and the case number for the investigation, as well as reimbursement or reissuance of the {$780.00} refund check. Despite my repeated requests, the bank has not resolved this issue, and I am filing this complaint to seek assistance in recovering my funds.

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 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
On XX/XX/2025, I sent a written debt validation request pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) within 30 days of initial contact. The request was sent via certified mail and received on XX/XX/2025. The debt collector failed to provide proper validation of the alleged debt, including a copy of the original contract or itemized statement showing the amount owed and their legal authority to collect. Despite failing to validate the debt, the collector continued collection efforts, including [ calls/letters/credit reporting/lawsuit ] , which is a violation of federal law. I am requesting that the collector cease collection activity until proper validation is provided and correct any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I currently filed a dispute with Chime and my dispute was denied. XXXX XXXX dollars was taken out by XXXX online selling company. XXXX agreed to reimburse me for XXXX XXXX and XXXX dollars. I've requested the dispute be reopened due to the fact that I had evidence of the transactions and emails from me and the merchant. I submitted as many as I was able to. I'm requesting the XXXX XXXX dollars be placed back into my account due to the fact that I didn't make the transactions. I've explained it several times to Chime but obviously I didn't make it clear enough. Once again I'm asking for the money back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
This is what i was told by USAA : We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau. Our records show on XX/XX/year>, USAA FSB exercised our right to discontinue doing business with you in accordance with the USAA Depository Agreement and Disclosures ( DAD ) and the USAA Credit Card Agreement ( Agreement ). As stated in the DAD, we may restrict or delay access to funds for any reason and without advance notice. Additionally, USAA FSB may close your account at any time without advance notice. Your credit card was closed immediately. You were notified your accounts ending in XXXX, XXXX, and XXXX were restricted and would be closed within the next XXXX calendar days. Any account balance owed to you will be issued in the form of a bank check when the account closure process is completed. Conversely, you remain responsible for immediately resolving any negative account balance incurred. Please be advised that account closure may be delayed to allow completion of any pending disputes or fraud claims. Upon receipt of your submission, our Bank Member Advocacy ( BMA ) staff conducted a thorough review, which confirmed your accounts were handled within established policies and procedures and the terms and conditions of the DAD and Agreement. Allegations of error or wrongdoing were unfounded. While we understand this may not be the outcome you were seeking, your request for access to your account balance prior to the scheduled closure will not be honored. We trust this information clarifies our position on this matter, and we appreciate the opportunity to respond. Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured. Now today is day XXXX and my account is still open and i have not received my remaing balance of XXXX dollars. As you see they like to quote policy but never follow thru on there policy. i should had gotten my money 2 days ago and my account should had been closed and it is still open and still restricted.

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 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I was approved of credit for in-store however the apartments I was living at the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX you had it there mailboxes robbed and I never received the cards I only received a paper saying I owe money however I didn't make any transactions or used the cards and it's affected my credit account and it has been very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery Agency is reporting a medical debt collection account on my credit reports. Original creditor : XXXX XXXX. Date of First Delinquency : XX/XX/XXXX. The account was placed with National Recovery Agency on XX/XX/XXXX more than XXXX years after the Date of First Delinquency. Florida 's statute of limitations on medical debt is XXXX years, which expired XX/XX/XXXX. National Recovery Agency is reporting an active collection on a legally time-barred debt. Additionally, I have never authorized XXXX XXXX to share my protected health information with a third-party collection agency under XXXX. XXXX is {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
Verification that you own or have been assigned this debt. A full accounting of the amount claimed, including interest and fees. The name and address of the original creditor. Documentation bearing my signature showing I am responsible for this debt.

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 2026-03-05 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding the incorrect handling and denial of XXXX distinct billing disputes on my Citi Mastercard ending in XXXX. Citibank closed these investigations and reversed my conditional credits, citing that I did not follow merchant cancellation policies or that the merchants refused the credit. However, I have official documentation, receipts, and invoices directly from every merchant explicitly stating that a refund was authorized, processed, or is due to my XXXX ending in XXXX for these exact amounts. Citibank has categorized these disputes incorrectly. These are not disagreements over cancellation policies ; this is a case of " XXXXXXXX XXXX XXXX. '' The merchants agreed to the refunds, but the funds never posted to my account. Here is the breakdown of the wrongly denied cases and the corresponding proof I have attached : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$590.00} ( Case ID : XXXX ) XXXX : {$560.00} ( Case ID : XXXX ) XXXX : {$190.00} ( Case ID : XXXX ) Evidence Attached : " XXXX XXXX '' - This official XXXX refund receipt for Itinerary # XXXX clearly lists a " Total Refunded '' amount of XXXX {$2000.00} encompassing all XXXX of these separate charges. XXXX. XXXX XXXX XXXX : {$960.00} ( Case ID : XXXX ) XXXX : {$510.00} ( Case ID : XXXX ) Evidence Attached : XXXX official XXXX Refund Receipts showing the exact amounts refunded to my XXXX ending in XXXX XXXX along with screenshots from my XXXX portal marking both itineraries as " Refunded. '' XXXXXXXX XXXX XXXX XXXX XXXX : {$1000.00} ( Case ID : XXXX ) XXXX XXXX XXXX {$760.00} ( Case ID : XXXX ) Evidence Attached : XXXX XXXX Agreement showing " TOTAL REFUND DUE XXXX '' XXXX, andXXXXReceiptshowing '' TOTALREFUNDED XXXX '' to 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 2026-03-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I disputed a transaction of {$380.00} from XXXX XXXX on my Wells Fargo account on XX/XX/year>. The dispute was denied even though the charge is unauthorized/ the service was not provided. I requested documentation supporting the denial but have not received sufficient evidence. I am requesting a reinvestigation and reimbursement of the transaction.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CENTRALPORTF - XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other i nstrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: VA

Complaint narrative:
cash app tried to use every other transaction in my account that has nothing to do with the transfer as an excuse to why my {$30.00} transfer that I originally started by accident and requested to be cancelled couldn't be transferred til it was completed then it was randomly cancelled without notifications no refund or anything I contacted XXXX all they could see was see was cashapp cancelled it but no payment was returned pretty much the agent at cashapp was purposely trying to avoid righting the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
I been trying to contact the loan forgiveness platforms but I can never get through to them.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Lela Mae Portfolio Management Group
State: OH

Complaint narrative:
Collection agency Lela Mae Portfolio texted me at XXXX on XX/XX/year> XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My identity has been compromised and I have took all actions on my end please adhere to my request.i have not gained any funds from this account nor have I made any deposits to the account.nor do I have any knowledge of the addressed account.my identity was compromised from XXXX it was in the past too Im just now getting the knowledge of how to track down my personal transactions that were falsely reported under my name

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 2026-03-05 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:
In XX/XX/year>, someone hacked into my PayPal account and made a fraudulent charge of {$280.00}. to a company named XXXX. I immediately contacted PayPal and opened a complaint with their XXXX XXXX, that this was a fraudulent charge, or withdrawal from my PayPal wallet. I presented all my information, simply supporting that my history purchases over the last XXXX yrs with PayPal, is only Friends and Family. I NEVER used or heard of this XXXX company. After several attempts to state this unauthorized purchase, which is absolutely hack on my account, just simply investigation they could see that. PayPal has now stated they found in favor of the seller for this transaction. I demanded that PayPal submit to me all the transaction details which they have not given me. This is an absolute injustice that this company ( PayPal ) with their useless " Protection Policy '' can just say " Oh Well '' you're out of your money. I will continue to expose PayPal and hope that this brings attention to the many hundreds of other customers that have been affected by PayPal. I have also contacted this XXXX company which is some kind of gaming club which you buy coins. Yes, at XXXX I want to XXXX bucks for coins to play games on the internet. XXXX responded back not their problem take it up with PayPal. Now I will continue this fight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
It started in the year XXXX when Cash App just closed my XXXX account someones using my social security number and other personal information to open another Cash App account to where I can order a cash card my Cash App tag now is XXXX XXXX and also they told me my email address which is XXXX also the account they closed on me had a balance of {$430.00} contact me at XXXX and my personal information XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ar XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
XX/XX/year>XXXX I went to court because XXXX XXXX XXXX said I owe them {$5000.00} and tried to evict me saying was none payment. I came with documentation and pictures of the home of being not care in the proper manner. The person over the property and the plaintiff came to an agreement that I don't owe any money to the company. I received a dismissal from XXXX XXXX court of I don't owe anyone nothing. After Court 3 months go by I receive a ding on my credit by Professional Debt Mediation that I owe {$5000.00}. I contact Professional Debt Mediation and let them know we handle in court I dont owe this company nothing. I was told by PDM that its false I still owe them money. Now keep updating the credit bureau with false information. XXXX XXXX XXXX Sold debt to a collection that I didnt authorize or owe. Everything was settle in court. This debt is false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding a disputed debit card charge processed on my account with JPMorgan Chase Bank , N.A . I initially authorized XXXX transactions with the merchant : a {$1.00} charge and a {$19.00} charge. Those were the only amounts I knowingly agreed to when I signed up for the service. At no time did I knowingly authorize a {$39.00} charge. After reviewing my account, I discovered that the merchant billed my card {$39.00}, which I did not expect and did not knowingly approve. I contacted the merchant by email to question the charge. The merchant responded and insisted that the {$39.00} amount had been disclosed in their terms. However, I want to clearly state that I never received any email notification, billing notice, or confirmation indicating that a {$39.00} charge would be processed. The only charges I knowingly authorized were {$1.00} and {$19.00}. Because I never received any billing notification or clear communication about a {$39.00} charge, the transaction appeared unexpectedly on my account. I subsequently contacted my bank and opened a dispute regarding the transaction. JPMorgan Chase Bank , N.A . has issued a temporary credit while the matter is under investigation. Because the merchant continues to maintain that the {$39.00} charge was disclosed, while my experience is that no such billing notice or email communication was ever received, I am requesting regulatory review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CREDIT COLL - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NY

Complaint narrative:
My checking account was hacked capital one failed to secure my account and allowed the same scammer to XXXX himself money again same same and everything. Capital one allowed him to transfer money to himself as well. XXXX accounts were hacked in weeks by the same person and capital one allowed it to happen. They were highly negligent. I called everyday to fix this and they did not keep the account safe

Company response to consumer: Closed with explanation