vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit file by XXXX XXXX and XXXX in relation to a Capital One credit card account. This account was closed by Capital One based on an allegation of fraud, which I explicitly dispute. The closure was initiated solely by the creditor, and I was not provided with sufficient evidence or a meaningful opportunity to resolve the allegation prior to the account being closed. I submitted disputes to all three credit bureaus. In response, each bureau stated that the account was verified.However, none of the bureaus provided any documentation, evidence, or a clear explanation of the method of verification used. I requested details regarding how the account was verified, including what information was reviewed and who was contacted, but this information was not provided. The continued reporting of this account, including any late payments or derogatory status, is inaccurate, misleading, and damaging to my credit profile. I believe the credit bureaus failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting the following : A proper reinvestigation of this account Full disclosure of the method of verification used by each credit bureau Immediate deletion of the account from my credit file if it can not be verified as accurate, complete, and compliant with FCRA requirements The failure to provide adequate verification and the continued reporting of disputed information may constitute noncompliance with federal law. This issue has negatively impacted my ability to maintain fair credit and has caused ongoing harm. I am requesting prompt resolution and correction of my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
My aaccount was closed on XX/XX/XXXX. On XX/XX/XXXX XXXX explained by email that after after review remaining funds would be mailed to me. XX/XX/XXXX i emailed for an update on my funds. XX/XX/XXXX XXXX emailed and confirmed my account was now closed and XXXX checks would be mailed to me. XX/XX/XXXX i inquired about said checks. XX/XX/XXXX XXXX emailed confirming that XXXX checks were issued on XX/XX/XXXX for {$2100.00} and {$5.00}. XX/XX/XXXX i informed i had not recieved said checks. XX/XX/XXXX XXXX emailed confirming he will begin the process of reissuing and update me as soon as possible. XX/XX/XXXX XXXX confirmed he requested reissuance. And thanked me for my patience. XX/XX/XXXX i requested an update on checks. No response. XX/XX/XXXX i informed i would be filling complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account has been permanently limited without a specific reason or prior warning. On my account dashboard, PayPal currently displays a " Status Update '' stating my account is " temporarily blocked '' and that they will " review the info and get back in XXXX business days. '' However, simultaneously, the PayPal Assistant ( Generative AI ) and a red banner on my account state that the account has been " permanently deactivated '' and that the decision is " final and can not be appealed. '' This conflicting information is highly confusing and prevents me from understanding the true status of my account. I am a student and use this account for personal hobby purchases and the occasional sale of personal collectibles. I have two specific transactions that were denied/failed ( XX/XX/XXXX which was my first time trying to do a XXXX & XXXX and I tried to cancel the invoice because something was going on with the customers bank account, and XX/XX/XXXX which was me trying to test out if I was able to send an invoice correctly for both the customer and myself, I sent that invoice to my mom on XX/XX/XXXX to test it out ), and I believe these may have triggered an automated AI flag in error. I am requesting a manual review by a human agent to resolve the contradiction between the " 3-day review '' notice and the " permanent '' ban, and to restore my account access so I can continue my personal hobby transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am formally requesting that you cease and desist all communication and collection activity regarding the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which requires that you stop contacting me except to confirm that collection efforts have ended or to notify me of specific legal action. Additionally, as a resident of Texas, I am protected under the Texas Debt Collection Act ( Texas Finance Code 392 ). If your company is not properly licensed or bonded with the Texas Office of Consumer Credit Commissioner ( OCCC ), any attempt to collect a debt in this state is unlawful under Texas Finance Code 392.101. Accordingly, I demand the following : Immediate cessation of all communication, including phone calls, letters, emails, texts, or thirdparty contact. Immediate halt of all collection activity, including attempts to validate, negotiate, or enforce the alleged debt. Removal of any credit reporting you have furnished to any consumer reporting agency related to this alleged debt, if applicable. Written confirmation within 15 days that you have complied with these demands. Failure to comply will result in formal complaints filed with the Cons umer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and the Texas Office of Consumer Credit Commissioner, as well as consideration of civil action for statutory damages, attorneys fees, and any other remedies available under federal and state law. This letter serves as my final notice.

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 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
first contacted Portfolio Recovery Associates in XX/XX/year> regarding my account. At that time, I requested an itemized statement and validation of the debt, and asked that future communications be sent via email. I followed up again in XX/XX/year> with the same request. To date, I have not received any response from the company. Despite multiple attempts to obtain the requested itemized list and verification, the company has failed to provide the documentation or acknowledge my requests. I am submitting this complaint because I have not received the required debt verification under the Fair Debt Collection Practices Act ( FDCPA ), and the lack of response has prevented me from resolving this account responsibly. In addition, Portfolio Recovery Associates contacted my brother regarding this account, which I did not authorize. This is a violation of the Fair Debt Collection Practices Act, which prohibits contacting third parties about a debt except to obtain contact information. This further demonstrates the companys failure to follow legal requirement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
regarding an urgent and ongoing issue with my account at Wells Fargo. Despite having available funds, my card has repeatedly declined multiple transactions this evening. This situation has escalated to a distressing level, as I was unable to purchase food for my child and was ultimately escorted out of a store due to being unable to complete payment. I contacted customer service for assistance and spoke with representatives XXXX and XXXX. Both individuals assured me that the issue had been resolved ; however, my card continues to decline transactions, and I still do not have access to my funds. It is now nearly 2:00 XXXX, and I remain without a resolution. This experience is not only frustrating but unacceptable, particularly given the urgency of the situation and the impact on my childs well-being.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had placed an order with XXXX XXXX for XXXX, so their was some issues with my order, so XXXX issued a refund for XXXX so that made the total charged XXXX. They claim that I was never charged XXXX. I woke with a few reps, XXXX actually hung up on me ad the others were refusing last names once I told them I was contacting the CFPB. They fell silence on that end. They are now trying to say that it's gon na take a little, and giving me the run around, I have receipts. I'll send them. I just want my money. Thery claim they don't have my refund, same said they don't have it. It's on a recorded line. I told them they can't refuse the recorded calls or their names to you guys when ya ; l call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XX/XX/2024 I purchased a new XXXX from the company XXXX XXXX XXXX. To pay the XXXX I set up a credit card through Wells Fargo Bank, which I was informed would be 0 percent interest as long as I paid the minimum payment each month. In the beginning of XXXX, however, after looking more closely at the terms I discovered that this 0 percent interest was subject to a promotional period, which is ostensibly XXXX months. I discovered that because I had not paid the entire purchase balance, that I was immediately saddled with a {$1000.00} increase to the credit card balance, as the credit card is subject to a XXXX percent annual interest rate. I want to make it clear that I was never informed of this promotional period outside of the credit card contract showing an approximate range. I also can not find evidence that I was informed of this promotional period previously. The XXXX XXXX XXXX salesperson in particular told me that making the minimum payment would be sufficient and completely left out the detail of this promotional period. My contract with XXXX XXXX XXXX does not mention this promotional period either.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account # XXXX I opened a checking account specifically for a sign-up bonus. Wells Fargo approved the account and took my money, but then sent a letter dated XX/XX/year>, saying I won't get the bonus because of my XXXX XXXX. This is a bait-and-switch. I want the bank to honor the advertised bonus they used to get me to sign up. ''

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 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
A third-party debt collector, Source Receivables Management , is attempting to collect an alleged telecommunications debt of {$2300.00} on behalf of XXXX XXXX XXXX XXXX I have no contract, signed agreement, or written obligation with Source Receivables Management. My only contractual relationship was with XXXX XXXX XXXX XXXX the original creditor. I sent a written Cease and Desist and Delete demand via XXXX XXXX Mail with Return Receipt Requested on XX/XX/year>, disputing this debt in its entirety and requesting proof of any written acknowledgment that I agreed to pay Source Receivables Management rather than the original creditor. No such agreement exists. Despite this, Source Receivables Management continues to report this unverifiable account to XXXX, XXXX, and XXXX, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. I am requesting that the CFPB investigate this matter and require Source Receivables Management to immediately cease all collection activity and permanently delete this tradeline from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing unauthorized transactions on my Capital One debit card under claim number XXXX. I discovered transactions that I did not make or authorize. As soon as I noticed the issue, I immediately contacted Capital One to report the unauthorized activity and requested an investigation. Despite my prompt reporting, Capital One denied my claim, stating that the transactions were consistent with my electronic activity or login history. However, I did not make these transactions and did not authorize anyone to access or use my account. The presence of login or electronic activity does not prove that I authorized these transactions. My account information may have been compromised without my knowledge. I believe the investigation was insufficient and that my claim was wrongly denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: Chime Financial Inc
State: WI

Complaint narrative:
On XXXX XXXX I had a total of XXXX unauthorized transaction XXXX went through and XXXX I was able to stop by freezing my card. I called immediately Chime customer support to reverse, stop or something to fix it. First XXXX was for XXXX XXXX {$190.00}, XXXX for XXXX XXXX XXXX for XXXX for XXXX and XXXX for XXXX Chime reversed and credit for XXXX but not for the other XXXX. The larger amount ones, I do not not know who accessed my account and used my card number I do not know if it was online or not I do not have any information on any of that because it was not me I was at work which I can prove. When I called and disputed they authorized transaction they claim to investigate it but couldnt have because these transaction were not me and whoever it was took every XXXX I had. For a bank to not care of help unfortunate I need help with this please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate, unverified, and disputed debt being collected and reported by National Credit Systems , Inc. on behalf of XXXX XXXX XXXX XXXX XXXX / XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA ). Background My daughter was the tenant at XXXX XXXX and I was the guarantor. After move-out on XX/XX/2025, XXXX XXXX issued a statement dated XX/XX/2025 claiming a balance for alleged damages and utilities. I immediately disputed these charges and repeatedly requested supporting documentation, including move-in inspection reports, move-out inspection reports, and photographic evidence showing the condition at move-in and move-out. XXXX XXXX failed to provide any move-in baseline documentation and proof of damages. My attorney wrote a letter to them demanding proof of damages but received no response. Lack of Proof of Damage The move-out statement includes minor charges such as : a small wall hole ( {$13.00} ) partial bedroom paint ( {$75.00} ) chair cushion replacement ( {$26.00} ) These appear consistent with ordinary wear and tear. Without move-in documentation, the landlord can not establish that these conditions were caused by the tenant. Inconsistent and Inaccurate Amounts The move-out statement shows a total balance of {$260.00}, which includes utilities such as : electric ( {$66.00} ) water/sewer ( {$28.00} ) These utility charges were paid. After removing these, the remaining balance does not match the approximately {$230.00} being claimed and reported by the collection agency. This discrepancy demonstrates inaccurate accounting and improper furnishing of information. Formal Dispute Ignored On XX/XX/2025, I sent a written dispute and demand for full validation to National Credit Systems under the Fair Debt Collection Practices Act. I requested itemized proof, inspection reports, and authorization to collect. Despite this, the account was : not properly validated reported to credit bureaus not marked as disputed Credit Damage As a result : My credit score dropped approximately XXXX points My daughters credit score dropped approximately XXXX points XXXX XXXX Refuses Responsibility After the damage occurred, XXXX XXXX stated in writing that : they can not access the account once it is in collections current management can not verify or modify the charges If the original creditor can not verify the charges, the debt should not be collected or reported. I have supporting documentation, including the move-out statement, dispute letters, and written responses from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: Chime Financial Inc
State: NV

Complaint narrative:
So I submitted XXXX disputes that we're denied and I have already submitted a claim with the CFPB I was in a pending dispute when I originally filed my complaint with you and since the complaint was filed they denied my dispute I have reached out to their executive office via email and have never received any response I paid a fraudulent company money that I didn't know was fraudulent at the time of purchase for XXXX pairs of shoes that I never received and I have reached out to the fraudulent company via email that was listed but nobody has ever returned an email or anything else I provided proof of the emails I sent out I provided proof that nothing has been shipped and I was still denied and Chime refused to return my money and denied my dispute they have now denied that dispute along with XXXX other disputes that I have provided proof for and the other XXXX disputes are also mentioned in my previous claim with the CFPB and I am entitled to my money back plus interest now I am seeking a resolution and a full investigation into Chimes business practices and protocol

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I am submitting this complaint against Milestone Credit Card regarding my credit protection benefit and a permanent XXXX claim that has not been properly processed. I have been paying for credit protection on my Milestone credit card account, which includes coverage for situations such as permanent XXXX. Approximately XXXX months ago, I submitted all required documentation to support my permanent XXXX claim. Despite complying with the requirements and providing the requested paperwork in a timely manner, my claim has not been approved, and I have not received a clear explanation for the delay or denial. I have made multiple attempts to follow up, but the issue remains unresolved. This situation has caused financial hardship and stress, as I am unable to work due to my XXXX and am relying on the protections I have been paying for. I am requesting the following : Immediate review and processing of my permanent XXXX claim A clear written explanation for any delay or denial Application of the credit protection benefits to my account as outlined in the agreement Refund of any applicable fees if the benefit is not being honored I believe this XXXX be an unfair or deceptive practice, as I have been paying for a service that is not being properly provided. Please investigate this matter and assist in resolving it promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I received notice that my checking account with JPMorgan Chase Bank had been closed and I could no longer access it. At the time of closure, my account balance was approximately {$3000.00}. Since that date, I have been unable to access my funds. It has now been over three weeks, and my remaining balance has not been returned to me. I have contacted the bank multiple times to request an update, but I have not been provided with a clear timeline for when my funds will be released. I am requesting that the bank complete any remaining review and return my funds promptly, along with clear communication regarding when and how I will receive my balance.

Company response to consumer: Closed with explanation