vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Between XXXX and XXXX, my checking accounts have been repeatedly closed by multiple banks, often within one day of opening, with no specific explanation other than a business decision. The closures appear to be related to two prior incidents : 1. A fraudulent check was deposited into my account without my knowledge. As soon as I learned it was fraudulent, I reported it and filed a police report. I did not knowingly deposit a fraudulent item. 2. I received a XXXX transfer on behalf of a friend. The sender later reported the transaction as fraud, which resulted in account action against me. I did not engage in fraud or knowingly participate in fraudulent activity. Since those incidents, I have been unable to maintain a banking relationship. Accounts are being automatically closed shortly after opening, suggesting I may have been incorrectly classified in a fraud reporting system such as XXXX XXXX XXXX XXXX XXXX I am requesting : The specific reason for my account closure Confirmation of whether I have been reported to any consumer reporting agency or fraud database Verification of the accuracy of any reporting Correction or removal of any inaccurate fraud designation These repeated closures have caused significant hardship and limited my access to basic banking services. I am requesting a fair review and correction of any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In that Capital One Auto finance did change without authorization or agreement the terms of our agreement. Furthermore Capital One Auto Financing did without authorization change the monthly payment amount and further issue a new contract without my agreement. One time payments were made in good faith and Capital One when failed to apply those past payments to the new illegal contract showing the account to be past due and threatening auto reposition when payments were made one time and the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed several collection accounts with TransUnion. These accounts were marked as verified, yet no documentation was provided to demonstrate how the investigation was conducted. Accounts disputed : XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$1700.00} Fair Collections & O {$22000.00} XXXX XXXX XXXX {$110.00} Under FCRA 611 ( a ), TransUnion must conduct a reasonable investigation and review all relevant information. TransUnion has failed to : Provide documentary evidence supporting verification Provide a detailed method of verification Show proof that original contracts or account-level documentation were reviewed Merely relying on automated responses from furnishers through the e-Oscar system does not satisfy the requirement for a reasonable investigation. Continued reporting of these accounts without documentation violates FCRA 1681e ( b ) requiring maximum possible accuracy.

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I contacted your customer service department and spoke with XXXX about arranging a hardship plan. At the time, I could not commit to the plan because I did not have the funds to make the first payment. Concora Credit can not claim that I did not reach out I have documentation of my communication and the discussion with your representative. Despite this, I have not received a workable or reasonable plan. The proposed options do not reflect my financial reality and are unmanageable. I expect Concora Credit to work with me in good faith to develop a hardship plan that is realistic and manageable given my current financial situation. I am requesting a plan that allows me to meet my obligations without further financial stress, rather than an arbitrary or punitive arrangement that I can not afford. I am seeking a prompt and fair resolution that stabilizes my account, protects my credit, and provides a reasonable path forward during this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have a atv recreational loan I got from XXXX XXXX XXXX XXXX I got the loan with Honda and I had a deferment or two in the last two years and Honda inaccurately removed my loan from my credit report for all 3 bureaus Ive called and contacted both Honda and all the bureaus and they state they cant dispute something that doesnt exist Honda says it was a glitch in their computer system which deleted customers loans from their credit report and they will send me a letter when I finish paying off to show that I paid it off which makes no sense Honda keeps telling me no supervisors can be reached directly they have to call me I get a call back and they read me that same message about the glitch please help me my credit score dropped 80 points and failure to report a loan isnt that a federal offense

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I formally disputed this alleged debt on XX/XX/XXXX and requested full debt validation, including a signed contract and itemized calculation of the {$6800.00} balance. The collection agency failed to provide any documentation. Despite this, the account was updated in XX/XX/XXXX on my credit report. XXXX removed the account, proving inconsistent reporting, while XXXX and XXXX continued reporting and updating the balance without conducting a reasonable investigation. The amount is inaccurate and unsupported. I am requesting immediate deletion and full correction of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/XXXX chime for no reason decided to close my account.. I live in XXXX. We had that black out. Ive been without power for 10 days so I did try to login with a friends phone a couple times because my phone was died!! no power .., ice storm .. so Im not sure if thats the reason but no ones ever contacted me they just put it on my bank account. My account is gon na be closed down XX/XX/XXXX and every time I call and try to talk to a normal human being. Everybody acts like its the same XXXX line all we cant disclose the information. Whats my account they better disclose the information I mean, then anybody can fire anybody for no reason or close somebodys account for no reason that should not be legal at all!!! I do own two phones sometimes Ill try to get online with my other phone but its her job to contact me to say is this you or not so Im not sure what the reason is thats my complaint and they have no right to close my account for no reason

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding serious violations of federal consumer protection and privacy laws involving my federal student loans. My nonpublic personal information and student loan records were accessed, disclosed, or made available without my consent and without lawful authorization. This conduct implicates violations of the Privacy Act of 1974 ( 5 U.S.C. 552a ), as well as unfair, deceptive, and abusive acts or practices under federal consumer financial protection law. Federal student loan data constitutes sensitive consumer financial information. The failure to safeguard such information, combined with unauthorized third-party access, represents a material breach of the governments duty to protect borrowers. As a result of these violations, I hereby demand : A full CFPB investigation into the handling, disclosure, and safeguarding of my student loan data Identification of all entities and individuals granted access to my records Corrective action to prevent further violations Appropriate borrower relief, including student loan discharge or forgiveness Please be advised that if this matter is not resolved through administrative enforcement and consumer relief, I am prepared to pursue legal action. This complaint constitutes formal notice and preservation of my legal rights. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX IMPERSONATED SCAM AS A XXXX XXXX WIRE TRANSFER XXXX XXXX I WAS A VICTIM THROUGH MY WELLS FARGO ACCOUNT ALTHOUGH WELLS FARGO BANK PERSONNEL ASKED WHAT THE WRIRE TRANSFER WAS FOR NO IMPERSONATION SPECIFC FRAUD WARNING WAS PROVIDED NONENHANCED FRAUD DISCLOSURE WAS PRESENTED AND NO INJURY WAS MADE AS TO WHETHER I WAS BEING INSTRUCTED BY A XXXX PARTY TO MISREPRESENT THE PURPOSE OF THE TRANSACTION THE TRANSACTION WAS UNSUAL FOR THE ACCOUNT I KNOW REASONABLE SAFEGUARDS WERE NOT IMPLEMENTED!! ! DENIAL DESPITE KNOWN FRAUD PATTERN BY WELLS FARGO BANK THIS WAS NEGLIGENCE IN MOINTORING AND INTERVENTION BREACH OF FAIR DEALING AND DUTY OF GOOD FAITH

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 2026-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX I received emails that my password was changed and someone broke into my Wells Fargo account around XXXX XXXX. They transferred to {$1700.00} using a boss money account that they made using my phone number, address, and ID. They bypassed my XXXX identification and added a random number and email to my info. They also connected my Wells Fargo account to a plaid account. Immediately upon noticing I changed my password, username and called Wells Fargo to notify them of this fraudulent unauthorized withdraw and filed a police report. After Wells Fargo completed the investigation they denied my claim because the boss money company showed documentation showing my phone number, address, and ID despite the fact that Ive never used nor heard of boss money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander bank has committed major financial fraud against me through manipulation of my credit card in checking account

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 2026-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I logged on today to check my credit and notice. There are XXXX fraudulent cards that were opened with my social security number. I have not opened any credit cards.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Between XXXX and XXXX, my checking accounts have been repeatedly closed by multiple banks, often within XXXX day of opening, with no specific explanation other than a business decision. The closures appear to be related to XXXX prior incidents : XXXX. A fraudulent check was deposited into my account without my knowledge. As soon as I learned it was fraudulent, I reported it and filed a police report. I did not knowingly deposit a fraudulent item. XXXX. I received a XXXX transfer on behalf of a friend. The sender later reported the transaction as fraud, which resulted in account action against me. I did not engage in fraud or knowingly participate in fraudulent activity. Since those incidents, I have been unable to maintain a banking relationship. Accounts are being automatically closed shortly after opening, suggesting I may have been incorrectly classified in a fraud reporting system such as XXXX XXXX XXXX XXXX XXXX I am requesting : The specific reason for my account closure Confirmation of whether I have been reported to any consumer reporting agency or fraud database Verification of the accuracy of any reporting Correction or removal of any inaccurate fraud designation These repeated closures have caused significant hardship and limited my access to basic banking services. I am requesting a fair review and correction of any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Between XXXX and XXXX, my checking accounts have been repeatedly closed by multiple banks, often within XXXX day of opening, with no specific explanation other than a business decision. The closures appear to be related to XXXX prior incidents : XXXX. A fraudulent check was deposited into my account without my knowledge. As soon as I learned it was fraudulent, I reported it and filed a police report. I did not knowingly deposit a fraudulent item. XXXX. I received a XXXX transfer on behalf of a friend. The sender later reported the transaction as fraud, which resulted in account action against me. I did not engage in fraud or knowingly participate in fraudulent activity. Since those incidents, I have been unable to maintain a banking relationship. Accounts are being automatically closed shortly after opening, suggesting I may have been incorrectly classified in a fraud reporting system such as XXXX XXXX XXXX XXXX XXXX I am requesting : The specific reason for my account closure Confirmation of whether I have been reported to any consumer reporting agency or fraud database Verification of the accuracy of any reporting Correction or removal of any inaccurate fraud designation These repeated closures have caused significant hardship and limited my access to basic banking services. I am requesting a fair review and correction of any 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 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces-was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These ac tions have caused XXXX similachvenience and 56 financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding my credit cards with Bank of America. Since XX/XX/year>, I have repeatedly contacted the bank to request assistance due to significant financial hardship. Despite my proactive outreach, Bank of America has ignored my requests, refused to provide a hardship plan, and instead continued to double fees, assess late charges, and damage my credit. It is astonishing that a major, global bank like Bank of America refuses to offer any form of hardship plan, especially considering that I have paid dutifully and on time until losing my job in XX/XX/year>. This is unacceptable and demonstrates a clear disregard for responsible customer treatment. The banks handling of my account has caused severe financial stress and anxiety. Instead of offering meaningful assistance, I have been referred to outdated or irrelevant management procedures that do nothing to resolve my hardship. The repeated mailing of contract agreements wastes time and paper and shows a lack of concern for my situation. I also have an active cease-and-desist directive on file. Bank of America must continue to fully honor this directive. Any failure to comply would be a serious violation. Additionally, the email on file for my account is incorrect. I expect Bank of America to immediately update my contact information to the correct email provided here and to use it for all future communications. Continued use of the wrong email is unacceptable and potentially a compliance issue. I am requesting a fair resolution, including : A written review of my account and explanation of all fees and charges assessed since XX/XX/year>. A meaningful hardship plan, temporary reduced payment, or other accommodation reflecting my financial situation. Refund or waiver of excessive late fees and other penalties incurred during my hardship period. Correction of any negative credit reporting resulting from these actions. Immediate correction of my email address and written confirmation of the update. Immediate cessation of unnecessary mailings, including contract agreements that are not required to be sent. The refusal to provide reasonable assistance, combined with continued financial penalties and stress, constitutes bad faith, unfair, and abusive practices. I am seeking a prompt and fair resolution that stabilizes my account, prevents further credit damage, and respects my rights as a customer in hardship.

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 2026-02-23 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: OH

Complaint narrative:
So to start off I checked my balance of my PayPal so I could see how much money I had to get gas then I only had XXXX cents I was like what the XXXX so I looked at my transaction history to make sure my normal XXXX or XXXX or XXXX XXXX went threw then I saw that there was XXXX transactions from XXXX different people XXXX for XXXX taken out by XXXX XXXX and I have no clue who that is then XXXX was pulled by XXXX XXXX after that they tried to use my linked bank accounts to put money on my PayPal to take more money from me the XXXX transactions were first XXXX from my XXXX card so I changed password got a new card and blocked PayPal from taking out anymore money the second was XXXX from my XXXX XXXX XXXX card so I did the same thing got a new card and everything then I unlinked my accounts and deleted all personal information so they couldn't get anymore money because I cant even close my account they won't let me because I have an open case but on my account it say that my case was closed and denied so now im waiting for new cards and im stuck having a PayPal account because they won't close it and they won't refund me and they keep arguing with me that the charges were authorized when I never have typed in their email phone number or anything to send these people money because again I dont know them and there's no history saying they have taken money before so I dont know what to do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Called on XX/XX/XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX Stating that debit was paid and ask if this collection be remove from account. This should have never be put on my account.

Company response to consumer: Closed with explanation