vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: IN

Complaint narrative:
I am unable to access funds in my PayPal account due to an account limitation that PayPal is refusing to reasonably resolve. 

This issue began after a purchase made through XXXX XXXX using PayPal funded by my bank account in approximately [ month/year ]. I returned the merchandise using a return shipping label provided by the seller, and the seller accepted the return. However, the refund could not be completed on XXXX platform. I attempted to resolve this through both XXXX and PayPal disputes. A PayPal representative advised me by phone that filing a PayPal claim was the only way to recover the funds, but after review PayPal denied the claim. 

As a last resort, I exercised my legal right to dispute the charge through my bank. My bank completed a chargeback to PayPal for approximately {$140.00}. Shortly afterward, PayPal placed a limitation on my account. 

PayPal is now refusing to release {$51.00} held in my PayPal XXXX account. PayPal states that I must complete bank verification by confirming XXXX small deposits that PayPal claims were deposited and withdrawn from my bank account. These deposits never occurred. My bank statements confirm that no such deposits or withdrawals were made. 

Because these deposits did not occur, I am unable to complete XXXX required verification. PayPal has refused to provide an alternative verification method and continues to withhold my funds. PayPal is conditioning access to my money on a verification event that did not occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On the date of XX/XX/XXXXXXXX   I went into a Citi Branch & deposited XXXX. They said my money would be released in 3 waves. XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX & the final XXXX on XXXX. All the money was released on those days & once all money cleared a couple hours later my account was closed. This is a settlement check my lawyers sent me from my former employers so I know forsure it cashed. Only other thing I did was transfer XXXX $ into my other checking from my citi which didnt go through or I still havent received at this time. But Ive did this between these accounts plenty of times. Im now stuck with no account out of XXXX $ & have no other resource of money to help pay bills. This was all the money I had & now I cant pay bills or anything. Can we please fix this situation I didnt do anything wrong & this can cause me eviction or other bills shut off or a late penalty.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am submitting this complaint against Army & Air Force Exchange Service ( AAFES ) for wrongfully collecting on a debt that resulted from identity theft by intercepting my federal tax refund, despite being notified that the account is fraudulent. 

This alleged debt does not belong to me. I did not open, authorize, or benefit from any account with AAFES. I am a documented victim of identity theft and have formally disputed this debt. Despite this, AAFES has refused to conduct a proper investigation and has continued to treat the debt as valid. 

Although this account is not reported on my credit profile, AAFES has taken the extreme and harmful action of seizing my tax refund funds to collect on a fraudulent obligation. This has caused direct financial harm and is an unfair and abusive collection practice. 

Under federal law, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and identity theft protections under the Fair Credit Reporting Act, a company may not continue collection activity once a debt is disputed as identity theft without meaningful verification. AAFES has failed to provide proof that I am responsible for this debt and has instead continued collection through tax refund offset.

I am requesting that the CFPB : 1. Require Army & Air Force Exchange Service to immediately cease all collection activity related to this account 2. Refund all tax monies taken as a result of this fraudulent debt 3. Permanently delete and close the account associated with my identity 4. Conduct oversight to ensure AAFES complies with federal consumer protection and identity theft laws This debt is the result of identity theft and should never have progressed to tax refund interception. I am requesting immediate corrective action, not further delays or repeated reviews.

Thank you for your assistance in protecting my rights as a consumer and identity theft victim.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information being reported on my credit file regarding XXXX XXXX XXXX The account in question reflects a collection, or balance ], which I dispute as inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure that information reported is accurate, complete, and verifiable.Pursuant to 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i, I am requesting that this item be investigated and that the furnisher of the information provide competent evidence verifying the accuracy of the reported account. If the information can not be fully verified, it must be removed from my credit file.I previously attempted to resolve this matter directly with XXXX XXXX XXXX, but the issue remains unresolved. As of this date, the reporting continues to cause harm and does not accurately reflect my obligation or the facts of the transaction.If the furnisher fails to respond within the time period allowed by law, or if the information can not be verified as accurate, I respectfully request that the disputed item be deleted from my credit report in accordance with the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter.

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 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Per submitted complaint ( XXXX ), my account was drained of almost {$4000.00} on XX/XX/XXXX, all money transferred to a XXXX XXXX XXXX XXXX XXXX When I contacted XXXX XXXX XXXX, I was able to go through the phone prompts using my credentials to speak with customer service. They would not release the information on the account because the account was not in my name or address, but they DID use my SSN and DOB. I filed a police report with my local police department and they have served XXXX XXXX XXXX  for the account information. They are continuing their investigation. Sofi has yet to return my funds to me because they state that I gave my credentials to someone to take the money from my account. I did speak to someone ( From SOFI ) that called from SOFI number AND sent SOFI email to verify their identity about a suspicious charge on my account. I did not, however, give my credentials ( SSN, DOB or address ). SOFI states that they are not in error and therefore, will not return my funds because it is my fault for not calling back to verify further. I have filed an identity theft report with identitytheft.gov, the police report and a claim with the federal trade commission. According to Regulation XXXX, the burden of proof falls on SOFI, not me, the consumer. Clearly, fraud was involved, as the bank ( acccount ) that received the funds was not in my name, BUT had my credentials. I do not believe that SOFI conducted a thorough investigation, as I was able to find more information than they offerred. This initial encounter happened on XX/XX/year>, and I am still without my funds. I have removed most of my accounts from SOFI, except for a XXXX account that is in the process of being transferred to XXXX. SOFI has not taken the steps for a thorough fraud investigation at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Last night XXXX first 2026. I used chime deposit feature for a check that I have received in the amount of {$630.00} The Chime app took the deposit and confirmed the availability would be for XXXX days After and instructed me to endorse in the back saying for deposit only chime account and to put in the front deposited online XX/XX/XXXX, XXXX. I followed their instructions, and when I woke up this morning I got a notification saying that they couldnt identify the check and they have rejected it. The check is legible as it can be perfect handwriting. It is a legit XXXX XXXX check, and there are no problems with it. But now its useless and I can not XXXX it or use it anywhere else because of the endorsement time is struggling it off saying that its not the problem. When in fact, it is their problem. and now I lost {$630.00} that I can not recover because the person that gave me the check its already gone and I already perform the work. It is disgusting the practices that this bank applies to their customers, and I demand restitution of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
I filed XXXX XXXX bankruptcy in XX/XX/year> and received a discharge in XX/XX/year>. 
This debt of XXXX $ is an apartment lease debt that existed prior to filing. The original apartment complex transferred or sold the account during or before my bankruptcy case. They were notified of the bankruptcy as well via email and letter. 
XXXX shows the current debt collector has stated that they have held the account since XXXX, the month before my bankruptcy was filed. Despite this, they furnished the account to XXXX as an active collection and later verified it as valid after my discharge when I disputed it through XXXX 
I notified the debt collector of my bankruptcy by email, and my bankruptcy attorney also provided notice by mail. Even after notice and discharge, the account continues to be reported under my credit file with a balance owed and without proper bankruptcy notation. This account was added to my credit a month before the debt was discharged as well and we notified them again. 
This is a joint debt ; however, I am no longer legally responsible due to my XXXX XXXX discharge. Reporting this debt as owed by me violates the bankruptcy discharge injunction ( 11 U.S.C. 524 ) and constitutes inaccurate reporting under the Fair Credit Reporting Act. 
I am requesting immediate deletion or correction of this tradeline to reflect a {$0.00} balance and Discharged in Bankruptcy, and that all post-discharge reporting cease

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I went to the Navy Federal ATM on XX/XX/year> using my debit card to take out {$420.00} from my savings account. When I looked back at my account it said that it was taken out twice of {$420.00} so the total would be {$840.00}. Maybe federal did not contact me letting me know that they were having problems with their online banking I was on vacation. I was unable to do anything because I had XXXX money in the savings account. I chatted with somebody on the Navy Federal app, but they were unable to help me. I went into the bank and the teller processed a claims so I could get my money back asap. They werent able to tell me when it will be back. 


Im still stuck here with no money and I can not feed my children and pay my bills. Im very frustrated. I wish the company would tell me this was happening.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had someone hack my XXXX account and proceed to charge XXXX $ on XXXX coins. I was traveling on a Monday home- checked my balance and realized there was a problem. The wells Fargo agent was on the phone as a witness watching the charges go through- told me to pull over, take the rest of my money out of my account so he could close it. I filed a claim explaining what happened and it was denied. I now have a police report and some screenshots of the hacker. I need that money recovered asap and Wells Fargo will not reopen the investigation. Please ask Wells Fargo to pull up the recorded conversation as proof that someone was charging my account while we were on the phone.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX, a digital asset exchange licensed by the New York Department of Financial Services. After changing my bank account, XXXX platform has prevented me from withdrawing or transferring my funds. Despite repeated attempts to resolve this issue through XXXX customer support channels, I have received no substantive response for approximately ten months. My funds remain inaccessible without explanation or documented regulatory justification. I have also filed a complaint with the XXXX XXXX XXXX, which has not resulted in resolution. I am requesting NYDFS assistance to review XXXX handling of my account, ensure compliance with consumer protection and custodial obligations, and facilitate the prompt return of my funds or an appropriate resolution. 

Initial funds were placed XX/XX/XXXX for {$4000.00} and another amount XX/XX/XXXX for {$3000.00} via bank transfer. 

Inability to sell or remove funds has left me at a negative via investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint against XXXX  XXXX XXXX XXXX XXXX for illegally reporting a collection account to my credit reports without providing the required validation notice. 

XXXX  XXXX XXXX reported a collection account related to XXXX XXXX XXXX to TransUnion without ever sending me a validation notice ( Dunning Letter ). I received no written communication advising me of the debt, my right to dispute, or my right to request validation prior to the account being furnished to the credit reporting agencies. 

This conduct violates FDCPA 809 ( 15 U.S.C. 1692g ) and Regulation F ( 12 CFR 1006.34 ), which require a debt collector to provide a validation notice before or within five days of the initial communication and before furnishing information to a consumer reporting agency. Reporting a debt without providing this notice constitutes illegal debt parking. 

Because the collector failed to comply with federal law, the collection account is inaccurate and unlawfully reported. I am requesting that XXXX  XXXX XXXX immediately cease reporting this account and delete it from all consumer reporting agencies. 

I am also requesting written confirmation of deletion and proof of compliance with federal law.

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Hard Inquiries * * Dear CFPB I am writing to formally dispute several hard inquiries on my credit report that I believe are inaccurate and should be removed. Under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), I have the right to dispute any information that I believe is incorrect. 

The inquiries in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were generated as part of my search for a used vehicle. I was supposed to be a co-signer, however, I believe they do not accurately reflect my creditworthiness and may be negatively impacting my credit score. I Did not give permission to have my credit pulled numerous times. I kindly request that you investigate these inquiries and remove them from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX time frame as mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CA

Complaint narrative:
My PayPal account was permanently limited in approximately XXXX  due solely to association with a shared bank account belonging to a former partner. I did not engage in, nor was I aware of, any activity that led to his account limitation, and I did not violate PayPals user agreement or acceptable use policies. 

We are no longer in a relationship and have not been financially connected for several years. I am requesting a review of this limitation based on wrongful risk association and permission to open a new PayPal account under my sole identity with no shared financial instruments. 

I also have an existing PayPal Credit account serviced by XXXX XXXX that I am unable to access due to the PayPal account limitation. I am requesting clarification on how I may access statements and manage this account independently while this review is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: PR

Complaint narrative:
CEASE AND DESIST NOTICE Date : XX/XX/year> To : Credit Control LLC Re : Account ending in XXXX according to email sent. 

To Whom It May Concern, I am writing to you in response to your recent communication regarding the alleged debt mentioned above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide me with validation of this debt. 
I dispute this debt in its entirety. Please provide the following information so that I may verify the accuracy of your claim : 1. Proof of Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state.

2. Chain of Title : A complete list of all previous owners of this debt, including the original creditor.

3. Account Records : A copy of the original signed contract or agreement that created this debt, along with a full itemized statement of the alleged balance, including all interest, fees, and payments made.

4. Statute of Limitations : Documentation proving that this debt is within the statute of limitations for legal collection in my jurisdiction. 
Notice of Limited Cease and Desist Furthermore, under 15 U.S.C. 1692c, I am exercising my right to restrict the manner in which you contact me. Cease and desist all telephone and email communication regarding this matter, whether to my home, my cellular phone, or my place of employment. 

All future communication regarding this account must be sent to me exclusively in writing via the U.S. Postal Service at the address listed below. 
Be advised that if you fail to provide the requested validation within 30 days but continue collection effortsor if you violate this cease and desist notice by calling meI will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX 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