vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, multiple debit card transactions processed by XXXX, a XXXX digital money transfer service, were posted to my account totaling approximately {$17000.00}. The transactions appeared under merchant descriptors such as RMTLY * # # # # REMITLY.COM WA and Remitly XXXX WA. I did not authorize these transactions, did not have my debit card in my possession at the time, and did not use a PIN to initiate them. After discovering the charges, I promptly contacted my financial institution, Navy Federal Credit Union, to report unauthorized electronic fund transfers and request an investigation. Navy Federal declined to investigate or provide error resolution, stating that the transactions were classified under the merchant category code ( XXXX ) Wire Transfer / Money Orders, which they treat as a cash-equivalent transaction. I was told that because of this classification, the transactions were not eligible for dispute or error resolution, regardless of whether they were unauthorized or PIN-less. The banks refusal was based solely on merchant classification, not on any factual determination that I authorized the transactions. As a result, no investigation, provisional credit, or documentation review was performed. This outcome effectively eliminates consumer error-resolution rights for debit card transactions processed through XXXX, even though the transactions were initiated through a consumer-facing digital platform and funded directly from a debit account. In contrast, traditional wire transfers initiated through XXXX or XXXX are subject to formal error-resolution and investigation procedures. Here, the XXXX classification prevented any meaningful review and shifted the entire loss to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Basically, my Cashapp account was hacked and used to complete fraudulent transaction. Funds were being taken from my account without my permission. When I finally notified customer service, they would ask me if I had proof that it was not me completing the transaction. Well, I did not have any proof, and the only thing was my bank was able to track some things with the banking system. So, I would cancel out the account and open a new one because this was the only way for me to transfer money to my grandchildren from time to time. I also paid my lawn guy with my Cashapp account. At the time, I did not think to keep copies of the online chats because I thought that I would be able to access the notes at any time. But after my final account was closed by the company I could no longer get into the accounts. I tried to explain that during the Covid-19 era my identity was stolen four different times. Even one of the credit bureaus has one of my addresses still listed in California, I never even been in California. I just want other people to just be very careful and pay close attention to your accounts. I thought because I only receive a small amount of funds that no one would steal from me ; joke was on me. It seems that no one wants to listen, and I just want everything to be legally documented on record. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XXXX closed my account and said they are holding my funds for XXXX  days this is ridiculous I need my money I am poor I have to feed my kids!!! Dont know why they closed my account I did what they asked me to do which was send them a photo of my id. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
These student loan accounts do not belong to me. I did not apply for, sign for, or authorize these loans. I am not a borrower, co-borrower, or endorser on these accounts. I am disputing ownership and responsibility and requesting removal of these accounts from my credit report. Federal student loan accounts are being reported on my credit report that do not belong to me. I did not apply for, sign for, or authorize these loans and am not a borrower or co-borrower on the accounts. 

Despite this, the loan servicer continues to furnish these accounts to consumer reporting agencies as my obligation. I am disputing ownership and responsibility for these accounts. 

I previously disputed these loans as not mine, yet the inaccurate reporting remains. I am requesting immediate investigation and removal of these accounts from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have literally tried to apply for every bank I can think of my wallet was stolen around 2012 I filed a police report due to my wallet being stolen That obtained all my personal information as far as social security number and my driver license at the time since then I have been having issues due to someone constantly applying For credit and accounts over the years I have tried credit freezing and monitoring nothing has helped I cant Even ope account with my information

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Card was used since XX/XX/year>. I didn't notice until Best Buy showed I was overdrawn. Best Buy card was compromised as it was used continuously at XXXX. I didn't reach out to XXXX and was told was compromised as the dates and amounts I gave them did not show any purchases made by me.

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 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I refinanced my federal student loans with XXXX. According to my Final Disclosure, the refinance payoff was disbursed on or after XX/XX/year>, and MOHELA received the payoff payment at that time. 

The payoff resulted in an overpayment and a credit balance on my MOHELA account across multiple loans. 

On XX/XX/year>, I contacted MOHELA in writing to request information about the overpayment refund. MOHELA responded acknowledging that a refund was owed and stating that it would be sent to the refinance lender ( XXXX ). However, no specific refund amount, processing date, or timeline was provided, and no further action was taken. 

As of today, several months after the payoff, the credit balance remains on my MOHELA account, and the refund has not been processed or issued. No refund confirmation, transaction details, or payment date have been provided despite my written inquiry. 

I also attempted to resolve this matter by phone, but wait times consistently exceed six hours, making it unreasonable to obtain assistance or resolution.

I am requesting that MOHELA immediately process the overpayment refund, confirm the total refund amount, and provide the date and method the refund was issued to the refinance lender.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposit. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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:
PayPal denied my fraud claim by labeling it authorized, despite clear evidence of impersonation and misrepresentation. The transaction was induced by scammers falsely posing as XXXX customer service. I did not intend to send funds to the scammer. PayPal failed to properly investigate an impersonation scam and denied protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
In XXXX, believe, I received XXXX {$50.00} Visa Vanilla gift cards as military tournament prizes. The packaging prominently states No fees after purchase. It is displayed in very clear lettering. 

I never received or was provided a cardholder agreement disclosing inactivity fees. After attempting to use the cards years later, I discovered both balances were {$0.00} due to monthly inactivity fees of {$3.00}. 

On XX/XX/XXXX, I called and asked about this but was told there are fees and that I am wrong. I still have the original packaging and there is no mention of fees that are displayed. Only that the card never expires, it is accepted nationwide, and that there are " No fees After Purchase ''. 

This disclosure is incredibly misleading and deceptive, especially for prize recipients who are not provided full terms. I am requesting reimbursement of the balances or replacement cards as a resolution.

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

Complaint narrative:
On XX/XX/year>2025 at XXXX, a person sent {$29.00} to my PayPal account. The money did not appear in the balance. The paypal activity/history shows " money received '', but there is no money in the balance, so when I attempted to use the account, I could not. Their AI chat agent verified that the payment was received and there were no pending holds on my account, etc. 

The company has no human agents apparently. The money is not accessible to me. I tried to refund it but because it shows a XXXX balance, paypal would not return the money. 

This is an outrage as I was trying to make a time sensitive payment to a vendor that specifically used paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I had paid comprehensive auto insurance on my XXXX XXXX XXXX, as documented by that deduction at my Credit union, XXXX. The insurance company, XXXX XXXX, could not locate my vehicle, although, the XXXX XXXX  locater, was installed. After more than XXXX hours of sitting in my vehicle with no assistance from XXXX XXXX, me and my daughter were recused by the XXXX XXXX XXXX number XXXX. We were taken to the fire station, where a family member picked us up. I filed a Colorado complaint that my vehicle could not be located. After waiting XXXX week, I discovered Bugs Towing, XXXX XXXX, Co Utility XXXX, had not reported to the state of Colorado, that Bugs Towing had removed the vehicle, and not reported the move. 

XXXX. I do not owe XXXX XXXX any money during that time, as verified by the XXXX XXXX statement ( attached. ) XXXX. Cease and desist all communications from the law firm of Caine & Weiner and the correction of my credit rating. 
XXXX. I do not understand why Bugs Towing XXXX  XXXX, Co Utility XXXX, did not reply to the Colorado location Inquiry form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I tried to transfer XXXX dollars to a close friend his name was XXXX XXXX instead I accidentally sent it to a different XXXX XXXX I immediately canceled the transaction but they said he already completed and there was nothing I could do I cancelled it quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> Charges - Disputed XXXX {$430.00} XXXX XXXX {$370.00} {$320.00} {$90.00} XXXX XXXX {$48.00} XXXX transactions TOTAL denied by US Bank 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 2026-01-01 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
Issue : Unauthorized transaction and account takeover PayPal refused reimbursement I am filing a complaint regarding an unauthorized transaction on my PayPal account and PayPals refusal to reimburse the funds despite clear evidence of account takeover fraud. 

Summary of the problem I live in Illinois. 

My PayPal account was hacked/compromised. 

A transaction for {$110.00} was completed without my authorization. 

PayPal closed my claim stating that I authorized the transaction. 

This decision is incorrect ; this was not a buyer dispute, but an account takeover. 

Key facts The hacker attempted to change the account name from theirs to my girlfriends name and misspelled it. 

The transaction shows as paid with a link, a feature I have never used. 

The transaction was funded from my PayPal balance, not a purchase I made. 

I reported the activity promptly and explained my account was hacked. 

Despite this, PayPal denied my claim and refused to refund the money. 

Why I am requesting CFPB assistance This is an unauthorized electronic fund transfer, and I did not authorize the transaction. 
PayPal continues to treat this incorrectly as if it were a normal buyer protection case instead of an account security/fraud matter. 

I am requesting that PayPal : reopen and properly classify the case as unauthorized access/account takeover review device, IP address, and login activity surrounding the transaction reimburse the {$110.00} withdrawn from my account provide an explanation of why the claim was denied despite evidence of compromise I am willing to provide : screenshots of attempted account name change PayPal case correspondence identity theft or police report if necessary I am asking the CFPB to assist because PayPal has not provided meaningful review or relief after multiple attempts to resolve the matter directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed by tow while parked in XXXX XXXX XXXX Visitor Parking in XXXX, Florida. At the time of the tow, I was inside the hospital attending a scheduled XXXX  XXXX appointment with my girlfriend, who was XXXX XXXX XXXX. I was not present at the vehicle when it was taken. 

The repossession was conducted from hospital visitor parking during active medical care. Under Florida Statutes 679.609, a secured creditor may repossess collateral without judicial process only if it can be done without breach of the peace. The legality of this repossession is disputed.

At the time of the repossession, the vehicle contained non-collateral personal property, including a wallet, Florida drivers license, debit card, and credit cards. I did not have immediate access to retrieve these items following the tow. 

On XX/XX/year>, I located the vehicle at the repossession companys facility in XXXX, Florida, but the facility was closed and I was unable to retrieve my personal property or license plate. I attempted to coordinate access and requested information regarding the repossession and retrieval of personal property, but the issue remains unresolved. 

Because the repossession is legally disputed and access to personal property has been delayed, I am concerned that the creditor may furnish or verify credit reporting reflecting a repossession without conducting a reasonable investigation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting CFPB assistance to ensure accurate credit reporting and appropriate corrective action.

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

Complaint narrative:
I originally requested a trustee-to-trustee XXXX  transfer on XX/XX/XXXX and followed up on XXXX, XX/XX/XXXX. HSA Bank responded that they did not receive the required XXXX, despite it being clearly attached to the XX/XX/XXXX request. I re-forwarded the XXXX  to avoid delay. HSA Bank is now requiring that I call to resolve what should be a routine {$280.00} trustee-to-trustee transfer, rather than providing a written update or processing the request. 

As of this submission, I learned that HSA Bank closed my account for inactivity effective XX/XX/XXXX, after I initiated a trustee-to-trustee transfer on XX/XX/XXXX. The account now reflects a XXXX balance, and I have not received written confirmation of the disposition of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The debt collector is reporting a debt on my credit report that does not belong to them and is not valid. This account is inaccurate, and the debt collector has no legal right to collect or report this debt.

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

Complaint narrative:
RE : Formal Dispute, Demand for Validation, and Cease and Desist Account / Reference Number : XXXX Original Creditor Claimed : Progressive Account Dates : XX/XX/XXXX XX/XX/XXXX Expiration : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ).

I did not enter into any agreement with Credit Collection Services, and you are not the original creditor. At this time, this account has not been properly validated, and I dispute its accuracy, ownership, balance, and any reporting associated with it. 
You are hereby required to provide competent validation, including but not limited to : Proof of your legal authority to collect this debt Documentation showing I entered into a contractual obligation A complete payment history and itemization of the amount claimed Proof of assignment or sale from the original creditor to your company Until such validation is provided, you must cease all collection activity, including communication with me and any credit reporting, as required by law.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this account, except as allowed by law to provide proper validation or to notify me of specific legal action. 

Any continued collection efforts, failure to validate, or inaccurate credit reporting after receipt of this notice will be documented as violations of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney General.

This letter is not an acknowledgment of any debt, nor is it a promise or agreement to pay. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management
State: TN

Complaint narrative:
This complaint relates to a prior CFPB complaint against XXXX XXXX ( Complaint XXXX XXXXXXXX ), which remains unresolved. I attempted to submit the following information as an update to that complaint, but the system only allowed a new complaint to be filed. 
I timely disputed the alleged debt with XXXX XXXX by certified mail on XX/XX/year>2025. Despite receiving my dispute, XXXX XXXX has never provided any debt validation, documentation, or verification as required under the FDCPA. 
After receiving my written dispute, XXXX XXXX was required to cease all collection activity until proper validation was provided. Instead, in XX/XX/scrub> 2025, XXXX XXXX began reporting the alleged debt to the credit bureaus without ever validating the debt. 
XXXX XXXX continues to update and re-report the account despite the unresolved dispute. Most recently, XXXX XXXX is reporting the account as Collection Agency / Attorney and is listing a last payment made on XX/XX/year>. I have never made any payment to XXXX XXXX. 
No payments have ever been made to XXXX XXXX by me. 
XXXX XXXX has never contacted me through an attorney, and no attorney has ever been identified as being involved with this account. Reporting attorney involvement and a payment history that never occurred is false, misleading, and inaccurate. 
These actions constitute continued collection activity on a disputed debt, false and misleading credit reporting, and misrepresentation in violation of the FDCPA and the FCRA.

Company response to consumer: Closed with explanation