vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I tried pulling out money with my invest account but they are placing a hold on the money and not allowing me to withdraw my money from my invest to my checking account. They say there is a routine security review but when i try to clear the bar they keep giving me the runaround that someone will reach out and they never do. SOFI BANK is lying and they are holding money from transferring into my checking account. This is all after 3 day hold to allow money to be able to be transferred from invest to checking once selling my stock. Its been 5 business days and no one can solve the issue to allow me to use my money which it seems is being held hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
A very old, dear friend of mine made the decision to give me a large sum of money with instructions that it was to be used to pay off my debts. 
Huntington Bank decided to take it upon themselves to report that I had scammed .y friend. A case with adult protective services was opened, and then closed as there was no wrongdoing. 
His bank, also Huntington Bank, has told him that the person responsible, a XXXX XXXX, has called my branch manager and the XXXX department and let them know that it was an error, and nothing was done wrong. But Huntington is closing both of my accounts and they have been frozen for over a month. They will not allow me to have my money. And when I went to branch and told them to close my accounts and give me my money they refused. The money in those accounts was a direct deposit of my paycheck. 
My friend and I both contacted an attorney and he told us he can not start on it until after the new year. Another attorney and friend of mine called Huntingtom Bank corporate and was told to tell me to have XXXX XXXX call my branch manager and tell him it had been cleared up and my accounts would be released. She had done that, but still would not let me access my money. This involves 2 accounts. My personal checking and my business checking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Incessantly calling and texting my home, business and work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: SC

Complaint narrative:
Received a letter to a family members address ( I havent lived at in years ) from American Coradius International LLC on XX/XX/XXXX. The letter says that are a debt collector trying to collect a debt for XXXX in the amount of {$110.00} ( as of XX/XX/XXXX ). I have applied for XXXX once in XX/XX/XXXX and was denied ( still have the notice in my XXXX inbox ), so there is no way possible that I owe them a bill, since I never used them. I never sent any money, or gave them any info, but they sent a bill to an address I have lived at in about 7 years for an account that I never had. From looking them up Im not the only one that have received these types of bills for accounts that havent been used, coming to address they havent lived at for an extended period of time, without any emails or notifications from XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: NJ

Complaint narrative:
A solar project was cancelled in XXXX. Confirmed with the township of XXXX that no permits were taken out on my house in XX/XX/XXXX. The installers XXXX XXXX have cancelled the contract however Mosaic XXXX is not cooperating to cancel the contract. I have emails from XXXXXXXX XXXX that they have cancelled and sent notice to Mosaic for cancellation. Mosaic/solar loan serving have attempted to withdraw funds from my account around XXXX of XXXX. I have called Mosaic and was advised to email. Emails go unanswered. This loan is on my credit report. Ive also found numerous people online going through the same situation where solar loan were taken out after they advised the solar salesperson person that they did not want the project. The solar salesperson also advised that she had XXXX clients facing the same issue. I was emailed that the loan was being serviced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and report a credit card account opened fraudulently in my name without my knowledge, consent, or authorization on XX/XX/XXXX with Wells Fargo and XXXX XXXX. 

I did not apply for, authorize, nor benefit from this account. This account is the direct result of identity theft, and its existence constitutes an unauthorized extension of credit under federal law. 

Despite my prior notification that this account is fraudulent, it remains open and continues to cause financial and reputational harm. I am demanding the following actions be taken immediately : 1. Immediate closure of the fraudulent account 2. Permanent removal of all balances, charges, fees, and interest 3. Written confirmation that I have no liability for this account 4. Correction of any and all credit reporting related to this account 5. Cessation of all collection activity related to this account I have filed ( or am prepared to file ) an identity theft report, and I am asserting my rights under applicable federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and identity theft protections under 15 U.S.C. 1681c-2.

Please note : Any failure to promptly close this account and correct the reporting will leave me no option but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing all legal remedies available to me. 

This letter serves as formal notice. I expect written confirmation of account closure and resolution within 10 business days. 

NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX dealership. We agreed on {$27000.00} out the door, including all taxes and fees, plus {$50.00} more for a replacement title for my trade-in. We denied any and all extra warranties. The only option we were given to pay was through the Toyota Financial website, despite saying we were wanting to pay in full right away. The Toyota Financial website is displaying a charge of {$29000.00}, instead of the correct charge of {$27000.00}. We did not agree to this increased price, and were not given any explanation. We agreed to {$27000.00} for every charge. We spoke to XXXX XXXX when we reached this final charge. 
On XX/XX/XXXX I went back to the dealership and spoke to the financial manager, XXXX XXXX. He stated that he had incorrectly charged the taxes twice and would fix it. He gave a new price of {$26000.00}, stating that he was waiving the registration fee for the new vehicle. XXXX XXXX XXXX said this new price would be reflected on the site by XX/XX/XXXX. It is now XX/XX/XXXX. I contacted the Toyota Financial customer service directly and they told me that only the dealership could correct the price, which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX and I have been a Paypal user since XXXX. 

This morning I received an email from Paypal advising my account had been permanently restricted and I am unable to use Paypal any longer due to " unusual activity '' found on my account. I contacted Paypal 's customer service on the phone and spoke with representative " XXXX '' who said she could not tell me why my account was restricted and that I had no options other than to " open a new account with a different email address. '' I have reviewed Paypals user agreement and terms of service and am quite sure I have not violated any rules of the platform. I use Paypal occasionally for general shopping purchases and to be paid from various clients worldwide as a freelance voiceover actor. 

For the last few months I have been receiving emails from " XXXX '' written in the French language, asking me to confirm and set up my account. I am located in the XXXX and do not have french ties to anything. I have reported these emails to " XXXX '' as possible fraud. Only one time have I received a reply, which was a boiler plate " thanks '' message. I can provide copies of the emails I sent. 

Please help me with this, restore my account, and let me know what the " unusual activity '' is. If I need to contact the credit bureau 's next to report fraudulent activity I will do so where I hear back from you. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX - Purchased item using Paypal from XXXX XXXX XXXX XXXX XXXX for XXXX USD with guaranteed delivery on XX/XX/XXXX or get a full refund XXXX contacted seller but did not provide any tracking and said Dear friend, your package has been shipped. It is expected to arrive between XX/XX/XXXX and XXXX. Please check your mail. We have notified the logistics company to provide the tracking number. I will notify you as soon as possible once we provide the tracking information. Please refer to the final tracking information. Have a nice day! 

XX/XX/XXXX Contacted them again and didnt get tracking info and they said Dear friend, yes, the logistics company has informed us that delivery is expected between XX/XX/XXXX and XXXX. There may be slight delays due to a high volume of orders. We have notified the logistics company to provide the tracking number. I will notify you as soon as possible once we provide the tracking information. Please refer to the final tracking information. Have a nice day! 

XX/XX/XXXX Contacted seller and they said Dear customer, your order was shipped directly from the XXXX XXXX. Have you received the package? 

XX/XX/XXXX Gave me a tracking that says delivered but not to my adress. 

Contacted XXXX and said that seller sent it to the wrong adress. 

XX/XX/XXXX Filed a complaint with Paypal XX/XX/XXXX Paypal denied my case even after showing details and confirming from XXXX satelute that item was not delivered to my adress. 
XX/XX/XXXX Provided Paypal with timestamps and camera footage of said delivery which showed that no package was delivered and still denied my case XX/XX/XXXX Filed appeal with PayPal but still asking me to send information after I already provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding American Expresss handling of my account during international travel. 
While traveling in XXXX, American Express restricted access to one of my main cards, leaving me without access to funds abroad. Despite contacting customer service, and being back and fourth for hours, I was not provided emergency assistance or a workable solution. 
The account was subsequently canceled. I am now being told the account can not be reinstated, and I am blocked from reapplying because American Expresss system still shows the card as existing.

I am requesting executive review to resolve this system conflict and determine whether reinstatement or manual reapplication approval is possible. At minimum, I am requesting a clear resolution path and remediation for the lack of access to funds while traveling internationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Request for Review of Permanent Account Limitation Reference ID : XXXX Dear PayPal, I am writing to respectfully request a reconsideration of the permanent limitation placed on my PayPal account ( Reference ID : XXXX ). 

I have been a PayPal user for over XXXX  years and have always used my account in good faith, in accordance with PayPals User Agreement and policies. I was genuinely surprised to receive notice that my account was permanently deactivated due to unusual activity, as I have never engaged in fraudulent, prohibited, or deceptive transactions. 

My account activity has consisted of receiving legitimate payments related to online commerce and digital platforms. All funds were earned through lawful means, and I have never had disputes, chargebacks, or unresolved claims associated with my account. 

If any activity on my account appeared unusual, it was unintentional. I understand that PayPal must take precautions to protect its platform, and I fully respect that responsibility. However, I kindly request the opportunity to clarify any concerns or to provide any additional documentation needed to verify my identity or account activity. 

PayPal has been an essential financial tool for me for many years, and losing access to my account has had a significant impact on my ability to receive payments from platforms that rely exclusively on PayPal. 

I respectfully request a manual review of my account and consideration for reinstatement. I am fully willing to comply with any verification or compliance requirements deemed necessary. 

I called and you told me there are a lot of people with the same issue, this looks like a bug. 

Thank you for your time and consideration. I truly value my long-standing relationship with PayPal and hope this matter can be resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> a fraudster accessed my USAA checking account through the bank 's internal systems and then called me impersonating USAA security. He had me logon to USAA site and he verified recent changes, changed account names, and put a fraud alert on my account all of which I saw happen online in real time. He also sent fraud alert texts to my phone on USAA 's texting system. At no point did i provide any account information, pin, or access. The USAA fraudster then used my account and authorization to initiate a {$19000.00} cash advance into his account at XXXX XXXX. This was more than the amount in my account. USAA had also given the fraudster access to my daughters 's checking account, on which I am a joint account holder, and the fraudster transferred $ XXXX from my daughter 's account into my account. I was not aware that had occurred until later that day. Notably, I have never done a cash advance in my XXXXXXXX XXXX years banking with USAA. USAA failed to detect and/or decline this highly suspicious transaction, nor did USAA send a fraud alert text to my phone or call me. The transaction was processed without USAA investigation or verification. Once I became suspicious, I hung up, called USAA and reported the fraudulent transaction. I also reported the fraud to XXXX. USAA has denied wrongdoing and refuses to credit my account the {$19000.00}. I have asked repeatedly to speak to the investigations department but have been denied. No one at USAA has asked me any questions about what occurred nor have they taken a statement from me. USAA banking systems were breached ( fraudsters were in my account before they even called me ) and USAA security systems failed to deter or decline this highly suspicious transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: VA

Complaint narrative:
My phone was stolen XXXX  times and both my cashapps have been compromised. Cashapp has refunded me the money partially but I need all of it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: U.S. BANCORP
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized credit card charge that was applied after my account was paid in full and formally closed, and which the issuer continues to bill despite notice. 
On XX/XX/XXXX, I paid my Elan  XXXX XXXX credit card account in full, in the amount of {$1200.00}, using good funds. At that time, I requested the account be closed. Elan  subsequently sent me a written confirmation dated XX/XX/XXXX, stating that the account had been closed. 
Despite this, Elan  applied a charge of {$74.00} from merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a post date of XX/XX/XXXX and a transaction date of XX/XX/XXXX. This charge was not authorized by me or by any permitted user, and I did not request or consent to any renewal of services. The merchant did not contact me to seek authorization for a renewal. 
I did not become aware of this charge until I later received a billing statement instructing me to pay the balance by XX/XX/XXXX, even though the account had already been paid in full and closed. Since then, Elan has continued to send statements, including a statement reflecting a balance of {$100.00} due XX/XX/XXXX, which includes the disputed charge and associated amounts. 
I contacted Elan  multiple times to dispute this charge and explain that it was unauthorized and applied after account closure. I spoke with representatives XXXX ( XX/XX/XXXX ) and XXXX and XXXX ( XX/XX/XXXX ), providing the same factual information. Despite this, Elan has continued to hold me responsible for the charge.

I am requesting that Elan : Remove the unauthorized {$74.00} charge and any related fees or interest Confirm that the account balance is XXXX Confirm that no adverse credit reporting has occurred or will occur related to this matter I believe Elan  has failed to properly resolve a billing error involving an unauthorized charge on a closed 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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2025 I donated {$5.00} via my Discover credit card to a charity called XXXX and received a receipt for {$5.00} but I was charged {$5000.00} to my card. The date and time of the charge and the receipt are clearly linked and the organization Discover did business with is noted on my charge card. Plus my personal statement should be enough evidence to dispute this charge with their client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX phone XXXX email XXXX as stated on the Electronic receipt.. I sent this to Discover case # XXXX they said the receipt does not link back to Discover so the transaction is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank informed me that they have been reviewing my account since XX/XX/year>. No reason has been provided, and my funds in the amount of {$35000.00} are on hold. They told me that my funds are frozen, and they are not giving me a specific date for when my money will be released. 

Please help me receive my money within 5 business days, because I am in a very serious financial situation. I am unable to pay my bills. 

Thank you very much.

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