vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am submitting this complaint regarding Bank XXXX Americas reporting of two credit card accounts in my name ( accounts ending in XXXX and XXXX ). 
I previously filed a complaint through the CFPB, which was closed without a meaningful resolution. Bank of America provided a generic response stating that the information was reported accurately and sent copies of billing statements, but did not address the specific inaccuracies or discrepancies raised. 
The accounts continue to be reported inconsistently across the major credit bureaus, including differences in balances, dates of activity, reporting dates, and account details. These inconsistencies indicate that the information can not be verified with accuracy. 
In addition, despite my formal disputes, neither account is reported as disputed on any of the credit bureaus. This misrepresents my credit profile by showing the accounts as uncontested delinquent debts. 
I requested documentation supporting the accuracy of the reporting and an explanation for the discrepancies. While statements were provided, Bank of America did not explain the inconsistent reporting or confirm that the accounts were reported as disputed. 
Because these issues remain unresolved after the prior CFPB complaint, I am requesting a comprehensive reinvestigation, correction of all inaccurate information across all credit bureaus, proper reporting of the disputes, and removal of the accounts if accurate verification can not be 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
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding repeated service failures and employee errors that have left me without access to my own money and caused significant hardship for me and my child. The handling of my account is unacceptable and requires immediate executive review. 

My Citibank account has been repeatedly blocked due to fraud alerts, forcing me to contact customer service multiple times sometimes several times in a single day just to regain access to my own funds. This ongoing disruption demonstrates serious failures in your fraud monitoring and customer support processes. 

The most concerning incident occurred on XXXX  XXXX, 2026. I called to resolve yet another fraud alert and the representative verified my identity and confirmed my account was restored. Immediately after ending the call, I discovered my account access had worsened I could not use online banking and had no access to my account. 

When I called back, the same representative admitted she had mistakenly blocked and cancelled my debit card. She told me I would need to wait for a letter and claimed the system would not allow her to send a replacement card. 

Because this left me without access to my funds, I called again and spoke with another representative who confirmed an error had been made and was able to order a replacement card directly contradicting the prior information provided. 

As a direct result of Citibanks errors and lack of proper support : I currently have no access to my account or money. 
I can not use my debit card or online banking. 
I am unable to purchase necessities for myself and my child. 
It is the weekend, bank branches are closed, and severe winter weather in New York will likely delay delivery of my replacement card until midweek. 
I requested temporary alternatives such as adding my card to a digital wallet and was denied without any effort to assist. 
At no point did any representative take responsibility or demonstrate urgency or empathy. 

This situation is unacceptable for a financial institution responsible for safeguarding customer funds and ensuring access to basic banking services.

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 2026-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
I am submitting this complaint regarding a fraudulent incident involving a {$500.00} Vanilla Gift card. 

Upon receiving the gift card, I attempted to activate it online. Unfortunately, I mistakenly entered the card information on an incorrect website, vainillagift.com, which appeared to be a legitimate and official Vanilla Gift website. The site closely resembled the authentic platform, and I had no reason to suspect it was fraudulent. 

Shortly after entering the card details, the entire {$500.00} balance was unauthorizedly used on XXXX  without my knowledge or consent. 

I immediately contacted XXXX to report the fraudulent transaction and request information regarding the individual who used the funds. However, they declined to provide any identifying details. I also filed a complaint with XXXX XXXX to report the fraudulent website and the theft of my funds, but to date, no resolution or corrective action has been provided. 

I respectfully request a formal investigation into this matter, including the fraudulent website and the unauthorized transaction, and I am seeking reimbursement of the stolen {$500.00}. 

I am prepared to provide any supporting documentation, including transaction records and correspondence, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
Issue summary Coinbase liquidated my crypto assets without prior notice and transferred the resulting USD funds to the XXXX of XXXX  without providing sufficient transparency or documentation. I, XXXX XXXX ( email : XXXX ), can not verify the amount or reclaim my funds due to Coinbases refusal to provide basic transaction records, remittance details, and confirmation of whether proper notice was sent. 

what happened I, XXXX XXXX, previously held a Coinbase account containing multiple crypto assets, under the email address XXXX. Importantly, I did not receive any email notification or clear prior notice regarding the liquidation of my assets, withdrawal deadlines, or the planned conversion of my holdings to USD. Coinbase then closed my account and unilaterally liquidated my crypto holdings into USD without my knowledge or consent. 
In a final written response dated XXXX  XXXX, XXXX, Coinbase confirmed that my assets had been liquidated and that the USD proceeds were remitted to the XXXX XXXX  XXXX  on XX/XX/XXXX. However, Coinbase has refused to provide : Confirmation that proper liquidation notice was sent to XXXX and records showing when and how notice was provided Asset-by-asset liquidation details ( which assets were sold, in what quantities, and on what dates and times ) The conversion rates or execution prices used for each liquidation The total USD amount that was ultimately remitted to the State of Wyoming Any remittance or reference numbers, report IDs, or other identifiers that the XXXX XXXX XXXX  could use to locate my funds I submitted a formal complaint to Coinbase requesting these details so that I could ( 1 ) verify that my assets were liquidated correctly and that proper notice procedures were followed, ( 2 ) fulfill my tax and reporting obligations, and ( 3 ) file a proper claim with the XXXX XXXX XXXX unclaimed property office XXXX Coinbase responded that the matter is considered closed and has refused to provide the requested documentation. 
As a result, I am effectively unable to confirm the value of my liquidated assets, can not verify whether Coinbase handled my funds properly or even followed basic notice requirements, and can not efficiently reclaim my funds from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I had a XXXX $ Visa gift card with the card number starting with XXXX then out of no were they changed the visa prepaid gift card numbers to XXXX now and did not send me back my funds or send me a new gift card I lost all my funds on my gift card because of that and they won't help me I've filed disputes complaints and no help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I received {$300.00} from my mother on XXXX/2025XX/XX/year> using Venmo. Unfortunately, I dont have access to my venmo account anymore. When I try to sign in, they send a code to my old phone number that I no longer have. The only option for me to sign in is with that phone number. I cant download their app and contact customer service because I live in XXXX, and it is not possible to download the App here. The only customer service I get, is a bot that tells me I can contact them using the app, which is not possible I would like the {$300.00} to be returned to my mother, but Venmo isnt providing sufficient support for me to log into my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: WV

Complaint narrative:
A debt is listed on my credit report from 15 years ago, I spoke to XXXX ( XXXX on XXXX2025 ) because I didn't know what the debt was for. The representative said that she could not locate an account, and that its past their collection rights. I then filed a complaint with TransUnion, and with the PA Attorney general. Because I moved to WV XXXX ago they mailed me a letter saying this issue was transferred to the WV Attorney general. I haven't heard anything from them. Since I made this complaint, a new collection agency is texting, calling and emailing me ( MRS BPO XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX  XXXX, 2026, at XXXX AM, I conducted a legitimate in-person sale of products totaling {$400.00}. The buyer transferred the payment through XXXX, received the products, and I documented the transaction by taking a photo of the buyers phone and a screenshot of the payment confirmation. 

Later, the buyer reported the transaction as unauthorized to Wells Fargo. The bank removed the {$400.00} from my account and returned it to the buyer, despite the fact that this was a legitimate sale. Following this, Wells Fargo classified my account as online fraud, restricted it permanently for XXXX, and limited it to teller-only transactions. I submitted the evidence I had, showing that this was a legitimate sale and not fraud, but the bank maintained the restriction and informed me that I could not appeal the decision internally. 

This restriction significantly impacts my ability to conduct my business, as receiving payments through XXXX is a key part of my work. I believe Wells Fargo did not fully investigate the evidence provided and unfairly classified my account as a fraud risk. 

I request that Wells Fargo review this case again, remove the fraud classification, restore the {$400.00} to my account, and restore my full account access, including 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 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
Original Creditor : ALDOUS AND ASSOCIATES XXXX XXXX XXXX Allegedly opened XXXX, XXXX, 2023. 

I know that this account was opened fraudulently. I never stepped a foot in that gym, I have never worked out there ONE time. I am not even sure where they got my information. I will write them a letter requesting all information on their investigation because they disagree with me and refuse to grant my dispute. I would like proof of signing my name on any contract and never going to workout one time. 

XXXX XXXX are refusing to offer any evidence of why they disagree with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am a United States XXXX veteran who was on XXXX XXXX military service when Omni Financial originated a loan in my name on XX/XX/year>. At the time of this loan, I was an XXXX XXXX servicemember and therefore protected under the Military Lending Act ( MLA ), 10 U.S.C. 987.

Omni Financial is reporting this account as a charge off with a balance of {$3900.00} on my XXXX XXXX XXXX  credit reports, causing significant damage to my credit score and preventing me from obtaining a mortgage.

I am requesting the CFPB compel Omni Financial to provide the following : 1. The original signed loan agreement showing all terms and disclosures provided at origination 2. Proof that the Military Annual Percentage Rate ( MAPR ) did not exceed 36 % as required by the MLA 3. Proof that required MLA disclosures were provided to me both orally and in writing before loan consummation 4. Proof that they verified my active duty status through the Department of Defense MLA database prior to originating this loan 5. Complete payment history for this account If Omni Financial can not provide documentation proving full MLA compliance, I request this tradeline be immediately deleted from all three credit bureaus. Violations of the Military Lending Act carry civil liability and I am prepared to pursue all available remedies if this matter is not resolved.

This account is currently reported on XXXX XXXX XXXXn as a charge off and is preventing me from qualifying for a home mortgage.

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : [ Insert Date ] Wells Fargo Customer Service Wells Fargo Bank , N.A . 
Customer Service, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IA XXXX Dear Wells Fargo Customer Service , Re : Formal Complaint Regarding Account Closure I hope this letter finds you well. I am writing to formally lodge a complaint regarding the recent closure of my Checking/Savings account, On XX/XX/year>, I received notification that my account had been closed without prior explanation or a valid reason provided. This closure has caused significant inconvenience to me, as I rely on this account for [ insert any specific purposessuch as salary deposits, bill payments, etc. ]. Despite my attempts to contact customer service, I have yet to receive a satisfactory response or resolution regarding why my account was closed. 
As a long-time customer of Wells Fargo XXXX XXXX am disappointed by this lack of communication and transparency. I kindly request the following actions to resolve this matter : A clear and detailed explanation of why my account was closed. 
Any outstanding balance or funds be returned to me promptly, along with any fees associated with the account closure. 
Information on how I can prevent similar issues in the future. 
Please treat this matter with urgency. I would appreciate a response within [ insert your preferred timeframe, e.g., 10 business days ]. If I do not hear from you within this period, I will consider escalating this issue further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. 
Thank you for your prompt attention to this matter. I look forward to your response. 
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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TN

Complaint narrative:
Someone called me impersonating a fraud specialist from US Bank. He asked me if I had made all of these charges ( which were fake ) and to confirm that I did or did not. He also sent several onetime passcodes via text and asked me to confirm. Little did I know that these were my online accounts where he was trying to access and used the onetime passcode as a way to access. This all happened from a XXXX area code. He even gave me a fake XXXX XXXX Account to send money to. I have already closed my cash app account or I would send to you, but it contained the name of XXXX XXXX. He told me that he was from the FDIC and had access to all of my online accounts and I fell for it.

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I'm being charged two interest charges every month. Chase is fraudulently adding charges and charging two interest fees on credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
Monthly they take {$250.00}. They said I would be sent free in 27 months at that rate. One debtor has taken me to court. I was told not to make any payments for leverage. I stopped my payments, my credit is now destroyed, and I still have debtors I originally informed NDR about. My 27 months is almost up and there's no way that they gave me the correct deposit and monthly payments, XXXX had hired their legal team option, but they didn't get the info I was sending to them about being sued. They have done nothing about the lawsuit against me. They asked me to sign another contract with the debtor that is suing me. I refused as it is their responsibility to have me debt handled in a 27 month period. They will say that they are still working on my case, but no.one has called me in months. These people are.waiting.fkr the contract to run out so that they can cover their mistake and leave me to the collection agencies and the courts. I need your help please, this is a fraudulent and irresponsible company that count on desperate people to hire them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: WI

Complaint narrative:
Penn Credit Corporation is attempting to collect and report an alleged debt that I dispute in its entirety. 

This was my first notice of the alleged debt. I did not receive the written notice required under 15 U.S.C. 1692g ( a ). Upon receiving their communication, I timely disputed the debt in writing and sent a formal validation demand via Certified Mail.

Penn Credit Corporation received my dispute and validation demand. More than XXXX  days have passed. They have failed to provide any documentation validating the alleged debt as required by 15 U.S.C. 1692g ( b ). 

Despite receiving my dispute, they continue to furnish derogatory information to consumer reporting agencies. 

This conduct constitutes : Failure to validate debt under the FDCPA Continued collection activity after written dispute Furnishing disputed and unverified information in violation of the Fair Credit Reporting Act Reporting inaccurate information If Penn Credit Corporation can not produce competent evidence demonstrating : A legally enforceable agreement bearing my signature Proper chain of assignment Accurate accounting of the alleged amount XXXX to collect Then they must immediately cease collection and delete all credit reporting related to this account. 

I request that the CFPB require Penn Credit Corporation to : Provide full written validation of the alleged debt, OR Immediately delete all credit reporting related to this account Failure to comply will leave me no choice but to pursue remedies available under the FDCPA and FCRA for willful noncompliance. 

I request written confirmation of the outcome of this investigation. 

Penn Credit Corporation is hereby placed on notice that this alleged debt is formally disputed. 

Pursuant to 15 U.S.C. 1692e ( 8 ) and 1681s-2, you are prohibited from communicating or furnishing information to any consumer reporting agency that you know or should know is inaccurate or can not be substantiated. 

Until full and lawful validation is provided, you must : Cease furnishing this account to all consumer reporting agencies ; Mark the account as disputed if reporting continues ; Or delete the tradeline entirely if validation can not be produced. 

Continued reporting without competent evidence of liability will be deemed willful noncompliance with the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation