vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: OH

Complaint narrative:
In XXXX of XXXX I opened a checking account at Comerica Bank, deposited my check, the reason I chose Comerica Bank, was due to the fact that my new employer, was a member of Comerica as well. Moving forward for XXXX months, my banking with Comerica was going fine, in XX/XX/XXXX I noticed my account had be compromised, by some unknown party. I immediately called Comerica in order to report the incident and let them investigate what happened, I received a letter stating that I would receive a temporary credit. I never received that, my account was taken to a balance of XXXX. All of my funds were taken out of my account. I called the banking center as well as Comerica claims, they informed me that from there investigation. They said I was on a charged off account from XXXX, I informed them that I have never been affiliated with Comerica Bank, they also said that I lived in XXXX, which is somewhere I have NEVER BEEN. I then requested my money to be returned. I was told they made an internal decision that they didn't have to refund me the funds. Since then my account daily keeps receiving unnecessary, outrageous fees to the sum of XXXX. I have recorded conversations in I shared with them that all my calls are recorded in order to protect myself. I was informed that the decision was the decision, and I had to pay up or charge off. I have a classmate that works in compliance at Comerica which informed that they are not following the guidelines. They informed that what they were doing was illegal, I have in the past been a victim of Identity Theft which was discovered after the time of the checking account, they said I was attached to that was charged off, I provided copies of the Police Report, Social Security Card and my FTC Affidavit as I was instructed. I was informed from the Comerica Rep, that due to the age of the account they didn't have to send me any of the requested documentation, nor did they have to share it with me on a recorded line, II also asked if I had a charged off account from XXXX internally, how was I able to open an account in XXXX of XXXX, from which I told, the employee that opened my account didn't know what they were doing. I am willing to provide phone conversation recordings with banking center employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Company : PayPal , Inc . 
Product : Digital wallet / payment service Issue : Trouble accessing money / Account restricted Complaint : I am a PayPal user based in XXXX. On XX/XX/year>, my PayPal account received a payment of USD XXXX. Shortly afterward, PayPal permanently limited my account without providing any specific reason or citing any violation. 

PayPal has informed me that the decision is final and that my funds will be held for 180 days. My current balance is USD XXXX. I have never been given a clear explanation of what risk or policy violation applies to me. 

These funds are my personal business income and are essential to my livelihood. Holding them for six months without stating any concrete violation is unfair and causes serious financial hardship. I have complied with all requests and have not engaged in any prohibited activity.

I am not asking PayPal to reinstate my account. I am requesting : Early release of my funds ; and A clear, written justification for the permanent limitation ; I believe this constitutes unjust enrichment and an unreasonable restriction on my property without due process. I respectfully request the CFPBs assistance in obtaining a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX I filed a XXXX fraud claim with Bank of America ( Claim # XXXX ) regarding a {$350.00} payment sent on XXXX XXXX XXXX, for a camera purchased through XXXX XXXX XXXX 

I authorized the XXXX payment based on false pretenses. After payment, the seller provided a USPS tracking number that was later confirmed by USPS to reflect only an electronic self-service kiosk scan. USPS confirmed the package was never physically accepted into the mail stream and was never shipped or delivered. The seller stopped responding and did not provide valid proof of shipment. 

Bank of America denied my claim on the basis that the XXXX transfer was authorized, without addressing that the authorization was induced by fraud and misrepresentation and that the goods were never delivered. 

I am requesting escalation and reconsideration of this decision. I have supporting evidence that was not considered in the original determination, including the XXXX XXXX listing, proof of XXXX payment, the shipping label provided by the seller, and USPS confirmation that the package never entered the mail stream. I am requesting that this evidence be reviewed as part of a fraud appeal involving non-delivery of goods and misrepresentation.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I was involved in an incident that required an insurance claim with XXXX. The claim entered an extended investigation due to administrative issues, repeated reassignment between representatives, and lost documentation on the insurers side. During this period, the adjuster assigned to my claim became unresponsive, and I was later informed that the adjuster was no longer handling the claim. I was advised that claim files had been lost, which further delayed resolution.

Beginning in XX/XX/XXXX, payments on my Capital One auto loan were missed as a direct result of the unresolved insurance claim and the insurers administrative failures, not due to willful nonpayment. Despite the insurance claim remaining unresolved, Capital One charged off the account in XX/XX/XXXX. 

Capital One proceeded with adverse credit reporting while the insurance investigation was still ongoing and without reasonable accommodation. This resulted in inaccurate and misleading credit reporting that does not reflect the underlying circumstances.

I am requesting that Capital One review this matter, take into account the unresolved insurance investigation and administrative failures, and correct or remove the derogatory credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AZ

Complaint narrative:
My dispute is regarding a scam. I took appropriate steps and after I filed reports with other company 's im still denied help by cash app. I've said enough and been rejected a better investigation. I'm not tolerating it any longer. My text step after this is sharing my experience with a journalist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems Re : Account XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account. I dispute owing this alleged debt in its entirety and will testify under oath that I do not owe this obligation. 

You are furnishing this account as if it were XXXX separate collection accounts, which is false, misleading, and deceptive. Reporting the same alleged debt more than once misrepresents the character and amount of the debt and constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, including but not limited to 1692e ( 2 ) ( A ) and 1692e ( 10 ). 

Additionally, I never received a debt collection notice sent via certified mail with return receipt requested, nor any lawful notice advising me of your attempt to collect this alleged debt. Your failure to properly notify me and provide validation violates 15 U.S.C. 1692g ( a ). Upon dispute, all collection activityincluding credit reportingmust cease until proper validation is provided, pursuant to 15 U.S.C. 1692g ( b ).

Because this account is disputed, duplicatively reported, and unsupported by lawful validation, I am demanding that you immediately remove this account from all consumer reporting agencies.

If this account is not removed promptly, I will pursue legal action to recover all damages you have caused me, including statutory damages, actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1692k. 

Please provide written confirmation of deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
My student loans through Aidvantage have been discharged in XXXX  under the XXXX XXXX XXXX. 
During this time Aidvantage made the necessary adjustments to the loans and in XXXX loans are taken off from my credit report and FAFSA account, fully discharged. However from XXXX till now I did not get a straight answer from Aidvantage on the accurate status- refund amount and the refund method. I talked to several customer service agent and received many conflicted responses which created an extreme confusion. I think I have a right to learn proper time line of the refund which is my money that they are holding in their posession. When did it send to treasury? Did it even send to treasury? How much is it? Are they going to mail it or send it via bank? It is unacceptable that noone has one straight answer which should have been in their system data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX : I opened a XXXX account for overseas use while on XXXX XXXX. After returning from XXXX, I believed the account had been cancelled. 

XXXX : I received no billing statements, balance notices, or written communications regarding this account. 

Early XXXX : I received a notice requesting verification of my XXXX status, which indicated the account was still active. 

XX/XX/XXXX : I went to a XXXX retail store to close the account. The store did not inform me of any outstanding balance, and no billing was shown. I had no reason to know the account was still open. 

XX/XX/XXXX : I discovered that the account had been wrongfully left open and was sent to collections with Credence Resource Management. I do not owe any debt on this account. 

XX/XX/XXXX & XXXX : On multiple recorded calls with XXXX billing, representatives confirmed that this was a wrongful write-off and internal error. A XXXX XXXX XXXX request was submitted but later cancelled, despite their acknowledgement. 

I have already reported this issue to the North Carolina Attorney General. XXXX continues to report and attempt to collect a debt I do not owe and never owed. I am requesting full deletion of the collection account from all credit bureaus and written confirmation that the account shows {$0.00} balance and XXXX liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX holding my funds without explanation and the complete lack of effective customer support. 

I received several legitimate payments from clients for work performed through my XXXX account on the following dates : * XX/XX/year> : {$500.00} * XX/XX/year> : {$2000.00} * XX/XX/year> ( another client ) : {$1000.00} * XX/XX/year> : {$1100.00} The total amount received is {$4600.00}. 

During the last week of XX/XX/year>, I attempted to transfer these funds to my XXXX XXXX bank account. I understand that standard transfers usually take up to XXXX business days unless an instant transfer is selected with a fee. 

However, although my XXXX account shows that I have a balance, when I attempt to make the transfer, the system shows an available balance of {$0.00}, making it impossible to transfer my money. 

I have made multiple attempts to contact XXXX for assistance. Unfortunately, the phone number only provides automated options and no live representative is available. There is also no direct email address to contact XXXX. When I try to use the chat option, I am directed back to the phone number, creating a frustrating and endless loop without any resolution. 

I also contacted XXXX XXXX, and they confirmed that there is no issue on their end and that I must resolve this matter directly with XXXX. 

At this point, my funds have been held for an unreasonable amount of time without explanation, access, or support. This situation has caused financial stress and significant frustration, as this money comes from legitimate client payments for completed work. 

I am requesting that XXXX : XXXX. Release my funds immediately and allow me to transfer them to my bank account, and XXXX. Provide a clear explanation as to why my funds were restricted in the first place. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Re : Account XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account. I dispute owing this alleged debt in its entirety and will testify under oath that I do not owe this obligation. 

You are furnishing this account as if it were XXXX separate collection accounts, which is false, misleading, and deceptive. Reporting the same alleged debt more than once misrepresents the character and amount of the debt and constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, including but not limited to 1692e ( 2 ) ( A ) and 1692e ( 10 ).

Additionally, I never received a debt collection notice sent via certified mail with return receipt requested, nor any lawful notice advising me of your attempt to collect this alleged debt. Your failure to properly notify me and provide validation violates 15 U.S.C. 1692g ( a ). Upon dispute, all collection activityincluding credit reportingmust cease until proper validation is provided, pursuant to 15 U.S.C. 1692g ( b ).

Because this account is disputed, duplicatively reported, and unsupported by lawful validation, I am demanding that you immediately remove this account from all consumer reporting agencies.

If this account is not removed promptly, I will pursue legal action to recover all damages you have caused me, including statutory damages, actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1692k. 

Please provide written confirmation of deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern, Pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby notify you in writing that you are to cease and desist all communication with me regarding the above-referenced alleged debt.

This includes, but is not limited to, communication by telephone, email, text message, mail, or through any third party. You may only contact me to confirm that you are terminating further collection efforts or to notify me of any specific legal action you intend to take, as permitted by law.

This notice is not an acknowledgment of any debt, nor is it a refusal to pay. It is a request for compliance with federal law.

Failure to comply with this request may result in documentation of violations and pursuit of remedies available under the Fair Debt Collection Practices Act. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One rejected my dispute despite my valid claims and proof. They are refusing to credit me my money. 

Dispute opened with XXXX XXXX XXXX XXXX billed on XX/XX/XXXX for {$60.00}. 
Dispute rejected XX/XX/XXXX despite evidence provided that the good I received was NOT what was ordered. See attached document for my proof. In my first call to place the dispute, I mentioned that I contacted the seller in person and was rejected ( aggressively shouted at me to leave and that they wouldn't give me a refund ). This was a scam while I was traveling in XXXX. 

The dispute resolution letter says " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. If you still want to dispute the charge, please contact the merchant and work directly with them. '' I can't contact the seller and I provided all the information needed to validate my dispute. Capital One still insists that I didn't provide enough information. I provided everything they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I have received non stop messages beginning XX/XX/XXXX up until Yesterdays date of XX/XX/year>. There are 16 messages in total and I have also received calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification in fact if you believe I received proper notification please mail the the certified mail with my certified signature on it, stating that I received it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app account was suddenly closed after I was out of town for a a couple months. I tried to make a new account but it doesn't let me create a new account with a different email address. It keeps closing the new account before I can even verify my identity. I tried with a different device and a new email address but it keeps happening to me. I called customer service but the two times I called they were completely useless and unhelpful. I emailed cash app support a month ago but nobody responded to my email message. I didn't do anything at all but now can't get a new account with cash app?????

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recoverina lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has alsc allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation