vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
During a recent {$500.00} deposit at a Wells Fargo ATM, I encountered an unexpected issue. One of the bills I attempted to deposit became lodged in the machine, resulting in the immediate taking of all the cash deposited. The ATM displayed an error screen indicating that Wells Fargo would deposit XXXX cents into my account until the problem was resolved. However, I urgently required the funds for a car insurance renewal and a XXXX appointment. 
It is perplexing why a reputable financial institution like Wells Fargo lacks the software capabilities to identify the underlying issue and promptly deposit the full amount of my cash into my account. This situation has caused me significant inconvenience, as I had to borrow money when I should not have had to, leading to unnecessary stress. I work diligently to earn my money, and if I were to take money from Wells Fargo, I would face legal consequences. It is unfair that Wells Fargo does not apply the same rules to both parties when dealing with money. I should be able to file charges for theft, or be reimbursed for all the stress and suffering. {$500.00} may not seem like much but these double standards are unacceptable and wrong, and the sad thing is that large banks like Wells Fargo do not care, so I know this complaint will fall on deaf ears.

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 monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful credit reporting related to an auto loan repossession that is currently appearing on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information have a duty to provide accurate and complete information and to reasonably investigate disputed information. See 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). Credit reporting agencies are also required to maintain reasonable procedures to assure maximum possible accuracy, pursuant to 15 U.S.C. 1681e ( b ). 

The repossession reported on my credit file is inaccurate and/or incomplete. Specifically, the account does not accurately reflect the status, balance, timeline, and/or legal compliance of the alleged repossession. Additionally, I did not receive proper pre- or post-repossession notice, or the information reported does not match the actual events surrounding the account. 

I previously disputed this account, yet the furnisher failed to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ), and the inaccurate information continues to be reported in violation of 15 U.S.C. 1681i. 

As a result, my consumer report contains information that is misleading, harmful, and not verifiable, causing ongoing damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Date of closure : XX/XX/scrub>XXXXXXXX XXXX/ACCT XXXX XXXXXXXX XXXX amount {$290.00} closure status : UNPAID CLOSURE STATUS DATE : XX/XX/year> Source of information : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, FL XXXX phone number : 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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems , LLC is attempting to collect and report an alleged debt that has never been properly verified. 

I dispute this account in its entirety. I requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Jefferson Capital has failed to provide competent evidence that : This debt belongs to me, They have legal authority to collect it, or The balance is accurate.

Despite this, Jefferson Capital continues collection efforts and continues furnishing this account to consumer reporting agencies. 

This conduct violates : FDCPA, 15 U.S.C. 1692g failure to validate before continuing collection ; FCRA, 15 U.S.C. 1681s-2 ( a ) and ( b ) furnishing unverified and inaccurate information to credit bureaus.

I am requesting that Jefferson Capital : 1. Cease all collection activity on this unverified account ; 2. Remove the account from XXXX XXXX XXXX XXXX ; and 3. Provide written confirmation of compliance. 

I am submitting this complaint to document improper collection activity and inaccurate credit reporting and to seek regulatory enforcement of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX I sent XXXX through CashApp to my wife as I do every month from church account for housing allowance. 
I checked my bank online and it said pending, I figured my wife had not checked her account, so I overlooked XXXX XXXX she asked me why I had not sent the housing and her bank was overdrafted .. I told her I sent it on the XXXX she told me to check cash app and it said money sent. I checked for my wifes name, but it wasnt her, it was another person, with my wives same first name, that I had never seen in my life and their cashapp names werent the same .. and I had never sent her funds. 
I called cash app, they told me to reach out to the recipient and ask her to return funds, I never heard back from her.. I continuously reached out and contacted my bank. My bank said reach out to cash app because it was a third party transaction. Cash app said there was nothing they could do because I did not cancel the transaction in time.. I ask them to let me speak to a manager, they stated that there was nothing one available to talk to and said that they would take my email and send it to a manager and for me to watch out for an email from cash app rep., that has never happened.i reached back out to my bank again and I told a different banker rep over the phone what had happened,,,, she said the bank rep reported it wrong so after submitting another compliant, while in the phone the bank rep. Said she was returning the XXXX to my account and they would contact cashapp so on XX/XX/year> the bank sent me a letter stating that Because it was a third party transaction that there was nothing they could do and that on XXXX XXXX they would be taking the XXXX back out of the churchs account. At this point I dont know what to do, I have no way to contact the person who received the funds and cash app has not and is not offering me any advice or help.Domeone has to know the account that the money went into and the name on the account but cant release it to me nor will they contact the person.so now the church is out of XXXX and I am out of XXXX because I have to come up with the money that was stolen. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP
State: NH

Complaint narrative:
I am writing to formally report an unauthorized hard inquiry that was placed on my credit report following my recent visit to your dealership. 
I went to Honda for routine maintenance on my leased vehicle. During my visit, an employee approached me to discuss a possible lease renewal. I clearly stated that I was not interested. She then mentioned she could prepare a proposal and assured me that nothing would affect my credit score. I explicitly stated that I did not authorize any credit check that would result in an inquiry on my credit report. 
Despite my clear refusal, a more than XXXX hard inquiry was performed and recorded without my consent. 
I respectfully request that Honda take immediate action to remove this unauthorized hard inquiry from my credit report. Please confirm in writing once the correction has been submitted to the credit bureaus. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I received a warrant in debt from Portfolio Recovery Associates , LLC reflecting the original creditor as XXXX. When this was reported to my credit profile in XXXX  it was disputed and advised that it was not my account, the address which was used to sign up I had not resided at in almost 8 years. Both companies have refused to cooperate or provide further information other than statements reflecting an annual fee, charged at {$8.00} monthly, and late fees and interest added onto the late fees, coming to the total amount showing as " owed. '' Therefore, it's painfully obvious this account was never opened or even used by me as the amount reflecting that is attempting to be collected on correlates directly to the annual fee and then additional fees added onto that. There is nothing reflecting any purchases ever made in addition to the time frame of this account being opened and I was living over XXXX miles away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
WHAT HAPPENED I am filing this complaint against Experian Information Solutions , Inc., XXXX  XXXX, and XXXX  Information Services LLC for willful violations of the Fair Credit Reporting Act ( FCRA ) related to identity theft and data-breach-tainted credit reporting.

I am a victim of the Equifax data breach, which exposed my personal identifying information, including my Social Security number. As a result of this breach, inaccurate, misleading, and unverifiable accounts have appeared and continue to be reported on my credit reports.

I formally disputed each account in writing and notified all three credit reporting agencies that the accounts are tainted by identity theft and compromised data. Despite receiving proper notice, the agencies continue to report the disputed information.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to immediately block and remove information resulting from identity theft once notified. These agencies are not permitted to continue reporting identity-theft-related information or delay removal under the standard XXXX reinvestigation process. 

I issued XXXX ( XXXX ) DAY DEMANDS FOR DELETION and Notices of Intent to Sue. The agencies have failed to comply. 

DISPUTED ACCOUNTS ( ALL MUST BE REMOVED IMMEDIATELY ) The following accounts are disputed in full due to identity theft exposure from the XXXX  XXXX breach and are being unlawfully reported : XXXX XXXX ( multiple accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect personal information is also being reported , including false prior addresses .

Each account was identified by name and partial account number in my written disputes and attached exhibits. None have been lawfully verified or blocked as required by federal law. 

WHY THIS IS A PROBLEM The companies have violated federal law, including : FCRA 605B Failure to block and remove identity-theft-related information FCRA 611 Failure to conduct lawful reinvestigation FCRA 607 ( b ) Failure to assure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Continued reporting of inaccurate information FCRA 1681b Reporting without a permissible purpose Because these accounts are connected to a known data breach, no extended reinvestigation period applies. Continued reporting constitutes willful noncompliance. 

WHAT I WANT I request that the CFPB require Experian , XXXX, and XXXX  to : Immediately remove all disputed accounts listed above Confirm compliance with FCRA 605B blocking requirements Prevent any reinsertion of the disputed information Take enforcement action for willful and systemic violations These accounts must be removed immediately, not reinvestigated.

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 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX I received a response back from XXXX XXXX XXXX XXXX attached documents through CFPB XXXX I have reviewed XXXX XXXX XXXXXXXX XXXX response and attached documents. Their submission does not constitute proper debt validation under the FDCPA. 

While they provided a loan application, promissory note, and portfolio-level bills of sale, they failed to provide verification that XXXX XXXX XXXX has the legal right to collect on my specific account. The documents provided reflect bulk XXXX transfers and do not identify my name and full account number as being assigned to XXXX XXXX XXXX. 

Additionally, no complete itemized accounting was provided explaining how the alleged balance of {$2300.00} was calculated, including a breakdown of principal, interest, fees, or charges from origination to charge-off. 

Because XXXX XXXX XXXX has not provided adequate validation, the debt remains disputed. I am requesting that the CFPB require XXXX XXXX XXXX to either : 1. Provide proper account-level validation and proof of assignment, or 2. Cease collection efforts and delete any credit reporting related to this account. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MN

Complaint narrative:
In XXXX I spoke with a representative of XXXX about an invalid charge on my account. They said it would be removed and that I could ignore it because it was a sublease charge. I took screen shots of the conversation to be safe. I was then contacted by a collection agency for this same charge in XXXX. I asked for a copy of the statement and provided them my conversation with the XXXX  agent. They agreed to remove the charge. I sent them a follow email confirming what was discussed. This week the charge hit my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I used PayPal ( business account ) to pay a foreign merchant for a single custom jewelry order that was split by PayPal into multiple related transactions totaling approximately {$4000.00}. The merchant failed to deliver the agreed goods as specified. I returned the merchandise, and the seller has been in possession of the returned items since XX/XX/XXXX. 

I provided PayPal with extensive documentation, including return confirmation, XXXX records, seller acknowledgments, invoices, and written communications showing the seller received the returned goods. Despite this, PayPal repeatedly misclassified the disputes, treated XXXX transaction as multiple unrelated claims, and issued denials without written findings or clear explanations. 

PayPal acknowledged receipt of my documentation but refused to correct classification errors, refused to consolidate the disputes into a single transaction, and denied escalation to a supervisor. PayPal ultimately denied all claims on the basis that the items were custom made, while allowing the seller to retain both the merchandise and the funds. PayPal failed to provide written explanations addressing the evidence submitted or how their decision complies with fair dispute handling practices. 

As a result of PayPals actions and internal process failures, I have been deprived of funds while the seller retains the returned merchandise. PayPals handling of this matter constitutes improper dispute processing, failure to conduct a reasonable investigation, failure to provide required disclosures, and denial of meaningful escalation or remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have tried to remove debit card info off the cash app account I won. Because I have past loans they refuse to remove my.finacial info. I eant my.information removed or I will sue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: NJ

Complaint narrative:
I am filing a formal complaint against Venmo for wrongful account deactivation and the prolonged withholding of my funds without valid justification. 
Venmo deactivated my account nearly XXXX years ago without providing a clear or legitimate reason. Since that time, I have contacted Venmo multiple times in good faith to resolve the issue. Despite repeated attempts, the matter has only been partially addressed, and my funds remain inaccessible. 
Venmo is currently holding a balance of {$1300.00} from my primary account. In addition, {$140.00} from a linked minor account has not been returned. In total, Venmo is withholding {$1500.00} of my money. No interest has been paid during this extended period, despite Venmo retaining control of these funds for almost XXXX years. 
I am requesting the immediate release and refund of my full Venmo balance and the permanent closure of my account. Based on my research, this appears to be a pattern of business practice by Venmo, as many consumers report similar experiences of unexplained account freezes and prolonged withholding of funds. 
Holding consumer funds indefinitely without transparency, justification, or compensation raises serious concerns. I am requesting assistance to recover my funds and to investigate XXXX practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: ID

Complaint narrative:
I am submitting this complaint regarding unlawful and improper debt collection activity by XXXX XXXX XXXX XXXX XXXX and Credit Control, who both attempted to collect the same alleged debt at the same time, in violation of federal consumer protection law. 

Timeline of Events XX/XX/year> I received a payment demand letter from XXXX XXXX XXXX XXXX XXXX regarding an alleged XXXX XXXX XXXX account. 

XX/XX/year> I timely sent a Debt Validation Request to XXXX XXXX XXXX XXXX XXXX via certified mail, requesting lawful validation pursuant to 15 U.S.C. 1692g ( b ). 

XX/XX/year> XXXX XXXX XXXX responded only with credit card statements, without : Proof of assignment or ownership Forward flow agreement Chain of title Evidence of authority to collect This response did not constitute proper debt validation. 

XX/XX/year> I sent XXXX XXXX XXXX a Notice of Insufficient Validation, Opportunity to Cure, and Cease and Desist, again via certified mail. 

While the account was actively disputed, I began receiving separate collection activity from Credit Control for the same alleged debt, without any explanation of authority, assignment, or transfer from XXXX XXXX XXXX. 

At no point did either entity provide : Competent proof of ownership Proof of assignment Proof of standing Evidence resolving which entity had the lawful right to collect Under 15 U.S.C. 1692g ( b ), once a debt is disputed, all collection activity must cease until proper validation is provided. 

Both XXXX XXXX XXXX and Credit Control continued collection activity without lawful validation. 
Under 15 U.S.C. 1692e ( 2 ) ( A ), a debt collector may not falsely represent : The character The amount The legal status of a debt XXXX XXXX attempting to collect the same debt simultaneously, without proof of assignment, misrepresents who ( if anyone ) has authority.

Under 15 U.S.C. 1692f, it is unlawful to use unfair or unconscionable means to collect a debt. 

Allowing multiple collectors to pursue the same account : Creates confusion Exerts improper pressure Is inherently deceptive Providing only billing statements does not satisfy debt validation requirements. 

Proper validation requires : Proof of ownership or assignment Authority to collect Chain of title This was never provided.

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