vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: CA

Complaint narrative:
On XX/XX/year>, a charge of {$6900.00} was posted to my Capital One credit card for credit funding consulting and house renovation services provided by XXXX XXXX XXXX, processed through their merchant processor FanBasis. No services were ever delivered. The CEO of XXXX XXXX XXXX, XXXX XXXX, sent a written email on XX/XX/year> confirming that no services would be rendered, that I am fully entitled to a refund, and that he would not appeal any chargeback. In a second email dated XX/XX/year>, he confirmed that FanBasis falsely notified banks that services were delivered without his authorization, which he stated may constitute a violation of the Electronic Fund Transfer Act ( EFTA ) and unfair and deceptive practices under the FTC Act. I filed a chargeback with Capital One for {$6900.00}. The dispute was denied despite having written confirmation from the merchant that no services were rendered. XXXX made false representations to Capital One claiming services were delivered, causing my dispute to be wrongfully rejected. I am requesting the CFPB investigate this matter and assist in recovering the {$6900.00} that was wrongfully charged and remains unrefunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/year>, I discovered my Navy Federal Credit Union account had been restricted and I was unable to access my funds or log into my account online. I contacted Navy Federal member services immediately and was directed to the Security Department. Agent XXXX confirmed the restriction is permanent but refused to provide any specific reason for the action. She also confirmed that a suspicious activity report was likely involved but could not provide details. I completed and submitted a Security Appeal Form ( NFCU 27 ) to XXXX the same day, XX/XX/year>, demonstrating my immediate and full cooperation with their process. Despite submitting the appeal the same day, my online access has since been completely banned and I am unable to log into my account at all. I have received no written explanation, no timeline for resolution, and no information regarding when or how my funds will be released. I am a longstanding Navy Federal member in good standing with no history of fraudulent activity, no negative balances, no returned payments, and no prior security incidents. I believe the restriction was triggered by my use of a VPN application required for my professional work in the veterans benefits and financial services consulting industry. The restriction is currently preventing me from accessing funds necessary to meet daily living expenses and financial obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting a complaint regarding an auto loan that appears to have been opened with Capital One Auto Finance without my authorization. On XXXX XXXX XXXX, the primary buyer and I entered into a vehicle transaction with a dealership. The executed retail installment sales contract ( RISC ), along with associated documentation including DMV/title paperwork and insurance loss payee designation, identified XXXX XXXX as the intended lender. After signing, the dealership requested that we execute a new credit application and revised electronic contract. We declined due to discrepancies in the documents, including incorrect identifying information, and did not authorize any additional lenders beyond XXXX XXXX. The dealership later confirmed that the original wet-ink contract would be used. Around XX/XX/year>, we were informed that XXXX XXXX had rejected the contract due to inclusion of a GAP product. The dealership then requested that we return to sign revised terms, which we declined. We later found that multiple credit inquiries had been submitted to lenders on or between XX/XX/year> and XX/XX/year>, that were not disclosed to or authorized by us. On XX/XX/year>, we formally withdrew from the transaction and requested return of our deposit and trade-in vehicle. Despite this, an auto loan with Capital One Auto Finance appears active with an opening date of XX/XX/year>. We did not authorize Capital One as a lender, did not sign any agreement with Capital One, and was not presented with any revised contract identifying Capital One as the creditor. We have not activated or acknowledged this account. This situation has created financial and credit risk, including potential payment obligations and negative credit reporting associated with an account we did not authorize. We are requesting that Capital One Auto Finance investigate how this account was opened, provide all documentation supporting the account, suspend any negative credit reporting or collection activity during the investigation, and correct or remove the account if it can not be substantiated with proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am filing a complaint regarding funds associated with a closed account that have not been released or properly accounted for. On XX/XX/scrub> 2021, an incoming wire transfer in the amount of {$950000.00} was credited to my account. Following this transaction, my account was subjected to a compliance review, subsequently restricted, and ultimately closed by the bank. To date, I have not received these funds, nor have I been provided with a clear or sufficient explanation regarding their disposition. I understand that financial institutions are subject to regulatory reporting and compliance obligations in connection with certain transactions. However, such obligations do not relieve the institution of its duty to maintain accurate accountings and to properly safeguard and disburse customer funds. Accordingly, I am formally requesting : XXXXA complete accounting of the funds, including confirmation of whether the funds are currently held, were returned to the sender, or were transferred to a third party or government entity XXXXDocumentation supporting the restriction and closure of my account XXXXThe specific legal and regulatory basis for the withholding, freezing, or disposition of these funds This matter has remained unresolved for an extended period of time. The continued absence of transparency raises serious concerns regarding the handling of customer funds and compliance with applicable consumer financial protection laws. I request a timely and substantive response addressing each of the above items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: KS

Complaint narrative:
I sent TEK Collect a formal Notice of Investigation and dispute regarding an account they are reporting under my name ( Account : XXXXXXXX XXXX XXXX XXXX ), which I have reason to believe was obtained and furnished as a result of identity theft, fraud, or material misrepresentation. In my notice, I clearly stated that I did not authorize TEK Collect, or any affiliated party, to obtain, use, or furnish my personal identifying or financial information. I also notified them that any alleged contract associated with this account is invalid due to fraud and is therefore void and unenforceable. I requested that TEK Collect provide proof of claim, including documentation demonstrating lawful authorization to collect on the account and verification from the original creditor that they are authorized to act on their behalf. I also requested evidence showing that I knowingly consented to the use and furnishing of my personal information. Despite this formal notice and request for investigation, TEK Collect has continued to report or has failed to properly validate the account. They have not provided sufficient proof that I entered into any agreement, nor have they demonstrated legal authority to collect this alleged debt. Additionally, I have provided supporting documentation, including an identity theft report, showing that this account is the result of unauthorized use of my personal information. TEK Collects actions constitute the continued furnishing of unverified and disputed information, which I believe violates the Fair Credit Reporting Act ( FCRA ), including their duty to conduct a reasonable investigation and to ensure the accuracy and legality of the information they report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
I took out a loan with Net Pay Advance and have experienced ongoing issues that I believe are deceptive and potentially illegal. The balance on my account is constantly changing, and I am being told different payoff amounts by different representatives. When I attempt to pay off the loan in full, the company refuses to provide a consistent or final payoff amount and gives conflicting explanations. I originally agreed to a biweekly payment schedule, but the company has been withdrawing money from my account weekly without proper authorization. Additionally, I previously agreed to a settlement with the company in which I paid approximately {$280.00} with the understanding that this would satisfy the remaining balance in full. I made this payment ; however, the company is still attempting to collect additional money and there is no record of this settlement or payment reflected in my account. I have made multiple attempts to resolve this directly with the company, but representatives are unhelpful, provide inconsistent information, and refuse to escalate my concerns to a supervisor. Due to these issues, I have revoked authorization for electronic withdrawals and placed a stop payment through my bank. I currently reside in New York, where payday lending laws are very strict, and I am concerned this loan may not be legally enforceable. I am requesting : XXXX. A full and accurate accounting of my loan, including payment history and fees XXXX. Written confirmation of the settlement agreement and that my account is paid in full XXXX. That all unauthorized withdrawals cease immediately I believe this company may be engaging in deceptive or predatory lending practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
Cash App closed my account said I was gambling. I don't gamble, I am a XXXX. When i asked them to send me proof they said they can't. Even if I get a lawyer. I am not the only one that has complained about this, other has said they are havingthe same problem. I think some type of scam is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions denial of my fraud claim involving unauthorized credit card transactions totaling approximately {$3600.00} on my credit card ending in XXXX ( Incident # XXXX ). The transactions began posting on XX/XX/XXXX. I departed the United States on XX/XX/XXXX for international travel. During this travel period, I lost access to certain personal belongings, including my Navy Federal card. I did not authorize, initiate, or benefit from any of the disputed transactions. At the time the transactions occurred, I was outside of the United States or in transit internationally. I did not provide my card or card information to any person, and I did not make any purchases with the merchant associated with the disputed charges. Upon returning to the United States, I confirmed that the card was missing and reported the unauthorized transactions promptly on XX/XX/XXXX. Despite this information, Navy Federal denied my claim stating that no error occurred, but did not clearly explain how this conclusion was reached despite the fact that : I was traveling internationally when the transactions began The card was no longer in my possession I did not authorize any person to use my card I did not receive any goods or benefit from the transactions I reported the issue once I discovered the card was missing I provided documentation supporting my travel timeline, including travel records confirming that I had already departed the United States when the transactions began. Navy Federal has not provided sufficient explanation or documentation demonstrating how the transactions were determined to be authorized, nor have they clarified whether the transactions were processed as chip transactions, manually keyed transactions, or online purchases. Under consumer protection standards, unauthorized transactions should be reasonably investigated and evaluated based on the totality of evidence provided by the consumer. I am requesting that Navy Federal : conduct a thorough reconsideration of the claim provide written explanation of the evidence relied upon in determining that no error occurred clarify how the transactions were authenticated or authorized reimburse the unauthorized charges if the investigation confirms the transactions were not authorized by me I have made every effort to cooperate and provide supporting documentation. I respectfully request assistance in ensuring a fair and reasonable review of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: CA

Complaint narrative:
On XX/XX/scrub>, 2026, I booked a rental home for my family using Citis credit card. The homes location was completely misrepresented in the advertisement. I submitted a dispute with Citi and supplied supporting evidence, including screenshots of the advertised location and where the homes actual location was. Ultimately, the merchant, XXXX, misrepresented the location of the home. As a result of this, I lost {$980.00} out of a total of {$1300.00}. Citi then sent me a denial of my dispute without providing an explanation of what exactly the deficiency in evidence was and did not provide me an opportunity to supply any additional supporting information before coming to a decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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:
Name : XXXX XXXX Email associated with account : XXXX Date : XX/XX/2026 To Whom It May Concern, I am submitting this complaint to formally document and request regulatory review of PayPals handling of my business account. On XX/XX/2026, at approximately XXXXXX/XX/XXXX, PayPal sent me XXXX conflicting communications simultaneously. XXXX email stated that my submitted information, including identification, was under review and that I would receive a response within XXXX business days. At that exact same time, I received a XX/XX/XXXXemail stating that my account had been permanently deactivated. These contradictory communications indicate that no meaningful or good-faith review of my submitted documentation occurred prior to the decision to permanently limit my account. The timing strongly suggests that the limitation was imposed prematurely and potentially through automated processes without proper evaluation. My account reflects legitimate business activity conducted under XXXX XXXX XXXX XXXX, doing business as XXXX XXXX. I have no history of chargebacks or disputes, and all transactions consist of valid invoices and payments directly tied to lawful business operations. As a direct result of PayPals actions, I have experienced measurable financial harm, including : - Loss of business income due to inability to process payments - Disruption of active business operations- Damage to business reputation and customer trust - Time and resources spent attempting to resolve this issue To resolve this matter, I am requesting : XXXX. A full and proper manual review of my account XXXX. A detailed and specific explanation for the limitation decision XXXX. Immediate clarification regarding the status and release of any held funds XXXX. Compensation in the amount of {$10000.00} for financial damages resulting from this improper limitation If this matter is not resolved promptly, I am prepared to pursue arbitration and any additional legal remedies available. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I joined a XXXX XXXX group to buy a fragrance and came in contact with someone named XXXX XXXX ( although I dont know if thats his real name anymore ). I thought he was reputable as he was an admin and had vouches from other members seemingly, so I decided to buy from him. He wanted me to use XXXX, which didnt work, so we moved to XXXX XXXX The first time we used a phone number which didnt work, XXXX, then we tried his partners email, XXXX, which was blocked by XXXX XXXX I thought this was due to a timeout. Then we tried another email, XXXX, which went through. I had sent {$470.00} to them. After 2 days, their shipping company sent me tracking, XXXX XXXX XXXX, order number XXXX. I thought it was global shipping company and had I been able to know he was going to use this instead of XXXX or a normal company, I wouldnt have bought. But by now I wanted to have some faith. But then they emailed me that I had to pay a {$100.00} refundable insurance fee, which raised a lot of red flags. I researched and found this was the cherry on top of the scam, where they dont ship and keep trying to extort more out of you. Looking deeper into the website, I found it was created in XXXX and wasnt official at all. Even the XXXX XXXX and members followed this timeline of being created in XXXX and XXXX. Piecing things together made me realize that everything was most likely an orchestrated scam with many members. Im trying my hardest to provide all evidence because while {$470.00} may not seem like a lot, its still money that was scammed out of my pocket through lies of legitimacy and authenticity which I hadnt seen until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently reviewed my TransUnion credit report and identified inaccurate and inconsistent reporting related to an account listed as XXXX XXXX. I previously contacted TransUnion and submitted a dispute regarding this account, but the investigation results did not resolve the issues. The account is being reported with conflicting and incomplete information. Specifically, TransUnion lists the account with a status of repossession, while the same account is reported differently on other credit bureaus. The balance associated with this account is also inconsistent when compared across reporting agencies. In addition, the account lacks a complete and accurate payment history, and key reporting details appear to be either missing or inconsistent with what would be expected for an account of this type. Despite my dispute, TransUnion has continued to report this account without correcting the discrepancies, and I was not provided with a clear explanation or documentation supporting how the information was verified. Due to these unresolved inconsistencies, I am requesting a full reinvestigation and correction or removal of this account if it can not be properly verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I got a payday loan with XXXX XXXX, and back then im very on time with my payment with them about one year i would say but my hours at work got lessen and my other job i got laid off, it became a little bit tough for me to pay on time. They keep on calling aggressively and in the email to and they sold my debt to one of the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I PURCHASED A CAR FROM XXXX XXXX AND THEY PLACED THE LOAN WITH PNC BANK! THE AGREED DEAL IS XXXX PAYMENTS OF {$180.00} WHICH INCLUDES PRINCIPAL AND INTEREST AND I AM CURRENT AND NOT IN DEFAULT! PNC BANK IS CHARGING ME EXTRA INTEREST OUT SIDE OF THE AGREED LOAN I SIGNED! WHICH THEY ARE NOT ENTITLED TOO! I SPOKE TO THEM TO NO AVAIL! THEY THINK THEY ARE ENTITLED TO EXTRA INTEREST CHARGED WHICH THEY ARE NOT TO AS PER THE CONTRACT I SIGNED.

Company response to consumer: Closed with explanation