vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
subject : Request for Discretionary Goodwill Review Following SCAM To whom it may concern, I am writing to request a discretionary goodwill consideration following a sophisticated scam in which I was the victim. 
I have been a Bank of America customer for 29 years. I want to be clear that I am not alleging bank error or misconduct. I understand that I personally authorized the transactions described below. These actions were taken while I was under the influence of a scam involving deception, urgency, and fear. 

During the scam, the perpetrators falsely claimed that Bank of America had preauthorized large charges, and instructed me to withdraw large amounts of cash to protect the funds. 
They specifically claimed that a XXXX charge had been pre-authorized and i had to withdraw {$14000.00} from my savings account. 
The next day, they again claimed another pre-authorization for {$7000.00}, and i withdrew {$7000.00} from my checking account .They instructed me to deposit these sums into a " safe '' XXXX ATM to prevent the funds to be stolen by scammers. 

I now understand these claims were false and part of the scam 's manipulation .I did not have any reason to doubt the instructions at the time, as they sounded official and urgent. 
I am respectfully requesting a discretionary goodwill credit, given my long standing relationship, clean account history, and the coercive nature of the scam. 
I understand such consideration is not guaranteed however given the sophisticated nature of the scam and the fact that i acted quickly and responsibly once i cam aware of the fraud, i am requesting a goodwill credit of {$21000.00} Please let me know if any documentation is required. I have filed a police report today, XXXX incident Cyber crimes # XXXX Fraud/ Spoofing. 
I will further escalate this to the FTC and make an IC3 report as well. 
I appreciate your your understanding and assistance in this difficult situation and respectfully request that Bank of America considers this goodwill request. 
I would appreciate a response within 10 business days. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: KY

Complaint narrative:
XXXX XXXX, XXXX is reporting a collection account for {$3100.00} on my XXXX credit report for an XXXX XXXX XXXX XXXX ) loan. However, XXXX also shows the original XXXX loan as closed with a {$0.00} balance, with my last payment recorded on XX/XX/year>. There is no indication that the account was charged-off, sold, or transferred, and no delinquency history justifying a collection balance of {$3100.00}. 

XXXX has not provided validation of the debt, chain of title from XXXX XXXX or an accounting explaining how they calculated {$3100.00}. XXXX  collector, Halsted Financial Services, began contacting me by phone and email claiming to manage the account, but has not provided proper written validation under the FDCPA despite repeated attempts. 

XXXX  previously marked my dispute of the XXXX tradeline as verified, yet failed to reconcile the conflicting information between the closed {$0.00} XXXX account and the XXXX collection tradeline. I believe the reporting is inaccurate and misleading, and may involve re-aging or attempting to collect a debt that has been extinguished or previously satisfied. 

I am requesting that CFPB require XXXX XXXX and Halsted Financial Services to provide full validation including chain of title and itemized accounting, or delete the XXXX  collection tradeline from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: Block, Inc.
State: PA

Complaint narrative:
I have had a CashApp account for years. Ive sent and received money through them for years. 

I recently logged into the app only to be told I allegedly violated their TOS ( terms of service ). 

I contacted their customer service team and was never told how or what I specifically did. They forwarded it to their dispute team. The dispute team sent an automated email response that still never specified what the alleged violation were. I never received any warnings and was never told not to do what Ive always been doing. 

They permanently closed my account and refused to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
beginning XX/XX/year> first XXXX and then VCI mortgage refused to correct monthly statement to reflect XXXX XXXX XXXX waiver of property taxes on primary residence. Eventually removed {$200.00} from payment to place in escrow for non existant tax bill and reported home owner for not making his monthly mortgage payment. Every month home owner make his payment on time and in the correct amont. Eventually demanded a XXXX bill for {$15000.00} for fees, penaltys and attorney costs, which were imaginary. VCId in house counsel filed a declaration for foreclosure process, which was perjured and false. House was sold at foreclosure action on a fraudulent process. I request that all filings for credut reporting from XXXX, Village Capital and Investment, and XXXX XXXX XXXX XXXX and XXXX real estate be removed from my credit report for criminal fraud and felony elder abuse under California statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: IN

Complaint narrative:
This debt was identified as identity theft and I submitted documentation proof to UNIFIN

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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 unauthorized hard inquiries and inaccurate personal information on my credit report that I did not initiate, recognize, or consent to. I did not apply for credit or authorize any of the reported inquiries, and the address and phone numbers listed do not belong to me or reflect my credit history. 

I believe this information resulted from unauthorized use of my personal identifying information. I have begun disputing these items with the credit bureaus and requested verification of authorization, but no proof has been provided. 

I am submitting this report to document identity theft and to request removal of the unauthorized and inaccurate information from my credit file, as well as protection against further misuse of my identity. 

I certify this statement is true and correct to the best of my knowledge.

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 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Bought car from XXXX  had it financed by santander consumer bank first time buying car. Got repoed on XX/XX/year> XXXX Saturday night. towing company put it on a tow bar due to not knowing if van was all wheeled drive. I heard a noise and went out to check guy said it feel off and had to do it again. I didnt think about if damages were done and just went in. Got out car XX/XX/year> after paying fees and fines. Noticed damages on back bumper and spoke to guy there he said he didn't know what happened and to call finance company to open up a claim so I did. 2 weeks later i noticed driving it something was moving underneath and noticed more damages so i got 2 estimates. They denied it twice and I had to get a rental car for 1 month. Car was deemed to dangerous to drive and I worked in XXXX  and transported my kids to school. Thank god I never got into a accident. I was almost done paying off car. They repoed it again and sold car. Gap payed off I thought and now they want me to pay off total still.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
Subject : Unlawful Debt Collection Attempt Debt Not Mine / Failure to Validate Details : I received a collection letter from American Coradius International LLC claiming I owe a balance of {$64000.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

This debt is not mine, and additionally : I entered the reference number from their letter on their official website. 

I entered my ZIP code, as instructed. 

I entered the last XXXX digits of my SSN. 

None of the information matches anything in their system. 

Their system confirms : Provided details dont match what we have on file. 

This means they are attempting to collect a debt without any records tied to me, which violates : FDCPA 15 U.S.C. 1692e ( false representation of a debt ) FDCPA 15 U.S.C. 1692g ( failure to validate ) Rosenthal Act ( California Civil Code 1788 ) Additionally, I have a signed, court-approved settlement with the alleged creditor that permanently waives all claims and amounts. 
This collection attempt violates that settlement. 

I request immediate investigation and confirmation that this account be removed and the collector cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered unauthorized hard inquiries and inaccurate personal information on my credit report that I did not initiate, recognize, or consent to. I did not apply for credit or authorize any of the reported inquiries, and the address and phone numbers listed do not belong to me or reflect my credit history. 

I believe this information resulted from unauthorized use of my personal identifying information. I have begun disputing these items with the credit bureaus and requested verification of authorization, but no proof has been provided. 

I am submitting this report to document identity theft and to request removal of the unauthorized and inaccurate information from my credit file, as well as protection against further misuse of my identity. 

I certify this statement is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered unauthorized hard inquiries and inaccurate personal information on my credit report that I did not initiate, recognize, or consent to. I did not apply for credit or authorize any of the reported inquiries, and the address and phone numbers listed do not belong to me or reflect my credit history. 

I believe this information resulted from unauthorized use of my personal identifying information. I have begun disputing these items with the credit bureaus and requested verification of authorization, but no proof has been provided. 

I am submitting this report to document identity theft and to request removal of the unauthorized and inaccurate information from my credit file, as well as protection against further misuse of my identity. 

I certify this statement is true and correct to the best of my knowledge.

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 2026-01-18 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: CT

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account without providing any specific, verifiable evidence or explanation to support the alleged high-risk activity or misuse. I have not engaged in any activity that violates the PayPal User Agreement, the Buyer Protection Program, or any applicable law.

Prior to filing this complaint, I formally requested clarification and documentation from PayPal regarding the specific reasons for the permanent limitation and any evidence supporting the alleged violations. PayPal responded only with general statements, referencing high-risk assessment and alleged account information sharing, without disclosing the identities of any associated accounts, specific transactions, or supporting documentation.

This permanent limitation has caused significant financial and personal inconvenience, including loss of access to legitimate transactions and the temporary withholding of my remaining account balance. The lack of transparency, inability to review or correct the alleged issues, and reliance on undisclosed internal risk assessments constitute an unfair and potentially unlawful action against a consumer.

I respectfully request that CFPB require PayPal to provide specific, verifiable evidence supporting its claims. If PayPal can not substantiate these allegations, I request that my account be fully restored to normal use and all remaining funds released without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding a collection account that is being reported on my credit report, which I believe is inaccurate and/or unverifiable. 

The collection account is reported by JEFFERSON CAPITAL SYSTEMS LLC. This account appears on my credit reports with XXXX XXXX 

I have disputed this account directly with the credit reporting agencies and the collection agency ; however, the issue has not been resolved. The information being reported is inaccurate, incomplete, or can not be verified, and it is negatively affecting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to have inaccurate or unverifiable information removed from their credit reports. I am requesting that the CFPB investigate this matter and assist in ensuring that this collection account is either properly validated or removed from my credit report. 

Thank you for your time and assistance. I appreciate your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
on XX/XX/year> my fiance called to tell them on his date to pull the payment out and the whatever else is owed so we are caught up. They never documented he called and said that but have on record and see where he did call, My car got repo today. I haven't had access to my account in over two years. That's how long and i can't provide dates because they won't give me access to my login or fiance or email or MAIL ME NOTHING. They have so many XXXX fees and told us they were waived because we paid it and the phone call before. XX/XX/year> Made phone call payment plans no one put a note or anything in their system. It caused XX/XX/year> my car to be repo and damaged bc my car was drug out by the repo company and i heard scratching they damaged my car. This has been two years NO ONE IN THAT XXXX XXXX  HAS STILL GAVE ME ACCESS TO ANYTHING IN 2 years!!!!!

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 2026-01-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
I was charged for merchandise I never received. The carrier delivered to an unverified location and can not confirm delivery to my residence or unit. The merchant refused to assist, and the carriers claim system blocks recipient submissions. Despite providing evidence, Discover denied my dispute and refused provisional credit when I wanted to reopen the case as I was instructed to do so if I wanted to continue with the dispute, violating Fair Credit Billing Act protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I used Moneygram to send funds to XXXX. I have done this many times, and use/re-use stored details on their system. 

Transaction dated XX/XX/year>. for {$100.00} USD. 

Their receipt shows only the last XXXX digits of the receiving account number. 

I contacted them about the missing funds, and they said that the destination account was different. 
XXXX ) I used stored details that I had used many times XXXX ) They refused to provide details from XXXX  transaction to XXXX. 
XXXX ) There is absolutely no way to confirm the destination account because their so called detailed receipt does not show the full destinationi account number. 
XXXX ) There is no way to view the details associated with the stored account information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: AL

Complaint narrative:
PayPal permanently limited my account after an alleged internal review, without providing a clear or specific explanation for the reason. As a result, I can not use my account or access the funds I had available. 

PayPal is currently holding a balance of USD {$240.00}, money that belongs to me and was obtained from legitimate transactions. I have tried to contact PayPal to obtain a detailed explanation and the release of my funds, but I have only received automated and generic responses, without a concrete solution. 

I consider it unfair and abusive that PayPal permanently closed my account and is withholding my money without clear evidence or a proper appeals process. 

I request that PayPal provide me with a clear and detailed explanation for the permanent limitation of my account and release the withheld balance of USD {$240.00}, allowing me to withdraw it, as I have not violated any laws or engaged in any fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Receivables, Inc.
State: AL

Complaint narrative:
Collections receivables contacted my girlfriend who, told her the amount owed, and asked her to pay it, in clear violation of 15 U.S.C. 1692c ( b ), 15 U.S.C. 1692e and 1692f this occurred on XX/XX/year> and asked her to take care of it today for a total amount of XXXX dollars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
He never stole money from me in the past till this last transaction I gave to him to make an order for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am the parent of an XXXX student at XXXX XXXX  XXXX with federal Parent PLUS loans in the amount of {$130000.00}. Due to unduly burdensome medical expenses related to my XXXX  husbands XXXX treatment, XXXX XXXX and XXXX  as well as supporting XXXX XXXX children, I previously requested and was granted from MOHELA a general forbearance based on unduly burdensome medical expenses. 

However, MOHELA just notified me in a letter dated XX/XX/2026 that my loans are delinquent, demanding immediate payment. MOHELA also threatened to report this to nationwide consumer reporting agencies and negatively affect my consumer credit rating. Worse yet, my understanding is that my wages may be garnished leaving my severely ill family members to suffer without necessary medical attention. 

This is an urgent request for your immediate advocacy. 
Thank you, 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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
I am reporting Cash App for failing to investigate or provide updates regarding my refund request. I submitted a refund request for {$130.00} on XX/XX/2025, for a disputed transaction. Since that date, no investigation results, resolution, or meaningful updates have been provided. 
I have contacted Cash App support multiple times seeking information about the status of my refund, but I have not received clear answers or timelines. The company has not taken any visible action to resolve the issue or communicate next steps. 
As of today, the refund request remains unresolved, and Cash App has not fulfilled its responsibility to properly review or investigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to inaccurate, incomplete, and unverifiable reporting of a charged-off account and a collection account appearing on my consumer credit report. 
Despite my rights under the FCRA, the following accounts continue to be reported in a manner that does not meet statutory accuracy and verification requirements.

Company response to consumer: Closed with explanation