vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2026, I initiated a wire from my business account at Huntington Bank located at XXXX XXXX XXXX. XXXX, MI to XXXX XXXX at XXXX XXXX XXXX XXXX, NY. The representative that assisted me with the wire at XXXX was branch manager XXXX XXXX. Shortly after I initiated the wire, I called up to the branch to cancel the wire because I feared I may be the victim of wire fraud. The branch manager claimed that he reached out to the other branch, and was waiting on a response. During the waiting period, I reached out to the branch manager at Huntington Bank to get an update to see if there was any response from the recipient bank. He stated that there has been no response. After 2 months of waiting and constantly calling and emailing Huntington to get an update, I still have made no progress in retrieving my funds or gotten a response from the recipient bank according to Huntington. I filed a complaint against XXXX XXXX, and to my surprise, they called me and said that they nave not received any communication at all from Huntington Bank. I gave my local branch a call to try and explain, but they route me to different departments that are no help at all. It has been almost 2 months and no one seems to know how to get this matter resolved. This is very unprofessional, and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: LA

Complaint narrative:
My car loan was paid off in XX/XX/XXXX for a XXXX XXXX XXXX XXXX thru PNC Bank. Tax, title, and license were paid for in the purchase process. I requested the release of lien and it was provided, dated XXXX XX/XX/XXXX. After 2 months of waiting for the title, I contacted them again by phone and received another Release of Lien dated XXXX XX/XX/XXXX, In XX/XX/XXXX, I went directly to a PNC bank in XXXX and in XX/XX/XXXX I visited PNC in XXXX Tx to ascertain the issue. They stated the title was released to Louisiana XXXX, so again I waited. I needed the title to purchase another new vehicle for XXXX. I missed another great deal because I didn't have my title. Between XX/XX/XXXX thru XX/XX/XXXX I took leave time off work to visit the LA XXXX in XXXX LA and XXXX LA on multiple occasions who stated the the electronic title had not been released. On XXXX XXXX weekend, XXXX, I contemplated purchasing a new car and had forgot that I never got my title, so I missed a good deal on another new vehicle. The car has depreciated considerably, which is not kosher in my book. In XX/XX/XXXX, I visited the XXXX TX PNC bank and they said the same thing. XXXX XXXX XXXX, I went to a title agent for assistance. According to them, the electronic title filing code is different from the PNC bank that's on the lien documents and they provided a code for the bank to research. Its the lien holder 's responsibility to deliver the title. I've lost too much time, value and effort tracking the title down on my own. Someone somehow somewhere erred and nobody knew how to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a registered business as XXXX XXXX XXXX XXXX where I am a paralegal and personal service that provides tax preparation and document preparation services. Pay pal restricted my account after a few payments and now has my money on hold for 180 days. Please release my funds as this account is new and no fraud had been committed!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, my bank account was compromised by an unknown individual. The suspect attempted to withdraw approximately {$7000.00} and also contacted my bank by phone impersonating me in order to transfer funds from my savings account to my checking account. I detected the unauthorized activity and immediately reported it to my bank. Most of the funds were recovered ; however, approximately {$2000.00} remains under dispute. As a result of this incident, I closed my accounts, canceled all debit and credit cards, and opened new accounts for security. I have also received notifications from XXXX indicating that my Social Security number, address, and other personal information may have been compromised. A police report has been filed with the XXXX XXXX XXXX XXXX ( Florida ), and the case is approved. At this time, I do not have specific technical data such as IP addresses or transaction metadata, but my financial institution may have additional records related to the fraudulent activity and phone impersonation.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems ( JEFFCAPSYS ) regarding unauthorized collection activity and inaccurate credit reporting. This account is being reported as a collection on my credit reports without any verified contractual obligation between myself and Jefferson Capital Systems. I have no direct agreement or contract with this company. Furthermore, I have not been provided with proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ). The following issues have been identified : The account is being reported inconsistently across XXXX, XXXX, and XXXX ( Open vs Closed status, differing creditor classifications ) No documentation has been provided proving that Jefferson Capital Systems has legal authority to collect this debt No signed contract or agreement exists between myself and this collection agency The alleged debt ownership has not been properly validated or verified The account appears to have been assigned or transferred without proper notice or validation Under the FDCPA, a debt collector must provide proper validation of the debt, including proof of ownership and the original contract. Reporting a debt without such validation is a violation of federal law. Additionally, under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. The inconsistencies across multiple credit bureaus further demonstrate that this account is not being reported with maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Chime Financial Inc
State: MS

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction on my Chime account. I disputed a charge from a merchant that I do not recognize and have never done business with. I did not authorize this transaction. Chime issued a provisional credit during the investigation, but later denied the dispute and reversed the credit. As a result, my account balance became negative by approximately {$380.00}. Chime has not provided sufficient evidence proving that I authorized this charge. I requested reconsideration and asked for the merchant documentation used to deny my dispute, but the dispute was still denied without clear proof of authorization such as a signed agreement, proof of consent, or device/IP verification tied to me. I am requesting that Chime properly investigate this unauthorized transaction, provide the actual merchant evidence used to deny the dispute, and correct my account balance if authorization can not be clearly proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Hello! I am asking for CFPB assistance because I have spent more than XXXX hours on the phone with both State Employees Credit Union ( SECU ) and XXXX XXXX ( XXXX ), and I still can not get a clear explanation of what happened to a {$2000.00} ACH return that XXXX sent to XXXX on XX/XX/XXXX. The return never posted back to my XXXX checking account, and I have been unable to resolve the issue on my own. XXXX confirmed that the XX/XX/XXXX return was sent to XXXX and provided me with the trace ID ( XXXX ). They explained that because the payment and reversal happened on the same day, their system treated it as a washout, meaning the debit and provisional credit canceled each other out internally. However, this does not reflect what happened in my XXXX account. The {$2000.00} did leave my XXXX account, and the return never posted back to restore the funds. XXXX has given me several different explanations, including that my XXXX account appeared as blocked, unauthorized, unknown, or under a stop payment, and that this prevented the return from posting. If XXXX rejected the return for any of these reasons, they have not provided any documentation, rejection codes, or ACH logs to explain what happened. On XX/XX/XXXX, XXXX initiated a second {$2000.00} debit from my XXXX account as part of a dispute, even though the original XX/XX/XXXX return had not been posted. XXXX reversed that debit, but XXXX appears to have rejected that reversal as well due to the same blocked/unauthorized/unknown classification. As a result, the funds XXXX attempted to return never reached my XXXX account, and my XXXX account went negative. XXXX later posted a credit on XX/XX/XXXX, but this was the dispute credit, not the original XX/XX/XXXX return. The original return is still missing, and I have not been able to get a consistent or complete explanation from either institution. I am requesting CFPB assistance to help determine what happened to the XX/XX/XXXX return, whether XXXX rejected it, and why my account was marked as unauthorized/unknown/blocked. I would also appreciate help ensuring the missing funds are properly credited back to my account if the return can not be located

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: LA

Complaint narrative:
I am a federal student loan borrower working in a qualifying public service position since XX/XX/XXXX. I am pursuing forgiveness under the XXXX XXXX XXXX XXXX ( XXXX ) program. Based on my employment start date, I should reach XXXX qualifying payments in XX/XX/XXXX. However, my loan servicer, Edfinancial Services, is currently projecting my eligibility date as XX/XX/XXXX due to several months being excluded from my qualifying payment count. In XXXX, my account was placed into forbearance due to repayment plan changes. This forbearance was not voluntarily requested and appears to have been administrative in nature. During this time, I made voluntary payments toward my loans. Despite this, these months are not being counted toward PSLF qualifying payments. I submitted a PSLF reconsideration request ( # XXXX ) through XXXX XXXX XXXX in XX/XX/XXXX to have these months reviewed and counted. I have not received any response or update on this request to date. I attempted to submit a second request, which was closed as a duplicate without resolution. This situation is directly impacting my ability to receive loan forgiveness on time and XXXX result in me making unnecessary additional payments beyond the required XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. An unknown individual obtained my personal information, including my identification and Social Security number, and used it without my knowledge or authorization. This individual opened credit card accounts in my name, created bank accounts, and made financial transactions posing as me. I became aware of this situation during the first week of XXXX when I attended a job interview and a background check was conducted. At that time, I was informed that there were records showing another individual using my Social Security number to apply for jobs and conduct other activities under my identity. I want to make it clear that I did not authorize any of these actions and was completely unaware of this fraudulent activity until it was brought to my attention. I am now taking the necessary steps to report and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am assisting my mother, XXXX XXXX XXXX, the borrower, in submitting this complaint regarding a home improvement loan serviced by Service Finance Company , LLC in connection with a bathroom remodeling project subcontracted to XXXX XXXX through XXXX. My mother is an elderly ( XXXX XXXX XXXX ), non-English speaking consumer, and has authorized me to communicate on her behalf regarding this matter. Service Finance is attempting to collect on a loan balance of {$18000.00} and has issued a billing statement reflecting a principal advance dated XX/XX/2026. However, despite multiple written requests, Service Finance has not provided verifiable proof that loan funds were actually disbursed to the contractor. I have specifically requested documentation such as ACH confirmation, wire transfer records, or other third-party transaction evidence demonstrating that payment was completed to XXXX XXXX. To date, only payment amounts and dates have been provided, which do not constitute proof that any payment was actually made. In prior written communication, it was stated that the loan had not been funded. This appears to contradict the current position that funds were disbursed. Given that the underlying project was not completed by the original contractor and required intervention by XXXX, it is especially important to verify whether and when any payment was made. Service Finance should not have disbursed any funds without proper verification of project completion and customer authorization. Despite many requests, no verifiable third-party documentation has been provided. Service Finance has indicated that it will not provide further responses on 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 2026-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I received a call back stating I had a debt with Acima and they had transferred it to XXXX where they would locate me and submit a claim with my county. I got scared and they told me that they would locate my job. I gave them my card info and set up biweekly payments and then I stopped getting charged and I wasnt reached out again. I tried calling them but didnt reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to properly validate an alleged debt by Cavalry Portfolio Services. I have made multiple written requests for validation of this account. The company has not provided sufficient documentation to establish that I am legally obligated to pay this debt or that they have the legal authority to collect. The only documentation provided consisted of limited billing statements, which do not meet the requirements for proper debt validation. Despite this, the account continues to be reported as verified on my credit report following disputes with the credit bureaus. Additionally, I requested the method of verification from the credit bureaus. The response I received did not include meaningful verification details, such as how the account was verified, who verified it, or what documentation was used. Cavalry Portfolio Services has failed to provide : A copy of the original signed agreement A complete chain of assignment showing ownership of the debt A full payment history Documentation supporting the accuracy of the balance I also recently attempted to resolve this matter directly with the company, but no reasonable resolution was offered, and no additional documentation was provided. This account continues to be reported without proper validation and is negatively impacting my credit. I am requesting deletion of this account due to failure to properly validate the debt and failure to ensure accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is xxxxx is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Citizens Bank Fraud/Dispute Department RE : Formal Dispute of Unauthorized Transactions, Improper Investigation, and Account Closure To Whom It May Concern, I am writing to formally dispute unauthorized recurring electronic fund transfers from my account totaling approximately {$900.00}, as well as to challenge the handling and denial of my fraud claim. These transactions were used to pay for a storage unit account that I did not open, authorize, or have any involvement with. I have never signed any agreement, provided authorization, or had any relationship with this storage account. I reported this issue promptly and followed up multiple times over a period exceeding one month. Throughout this process, I was given multiple inconsistent and conflicting explanations by your representatives, including : - An initial claim that no fraud occurred - A statement that I was allegedly purchasing and auctioning storage units - A later claim of a discrepancy linking me to the account These claims are inaccurate and have not been supported by any documentation. Despite repeated requests, I have not been provided with any contracts, signatures, identification, or other evidence showing that I authorized these transactions. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation and either provide provisional credit within 10 business days or supply a determination supported by evidence. Based on the delays, conflicting responses, and lack of documentation, it appears these requirements have not been met. Additionally, my account was closed following this dispute. While I understand that a bank may choose to close an account, this does not relieve Citizens Bank of its obligation to properly investigate unauthorized transactions or reimburse me for fraudulent activity. At this time, I am requesting the following : 1. Full reimbursement of all unauthorized transactions totaling approximately {$900.00} 2. Copies of all documentation used in your investigation, including any contracts, signatures, IP logs, or other evidence allegedly linking me to these transactions 3. A written explanation of your final determination If this matter is not resolved promptly, I will be escalating this issue by filing ( or updating ) a complaint with the Consumer Financial Protection Bureau and any other appropriate regulatory agencies. I expect a written response within a reasonable timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation