vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Starting XX/XX/XXXX my email was hacked which they then hacked my XXXX XXXX account and then my chime account. They ended up withdrawing {$1500.00} in XXXX gift cards which also showed the transaction happening in California. I live in XXXX, Tx not do I have or ever used a XXXX account. Since the hackers removed service from my phone I called chime to inform them that I did not authorize those charges. The last confirmed that it was fraud and froze my card to reissue me another card by mail. While I still had access to the account I tried to freeze them myself which caused XXXX of the transactions to be declined but I was then also logged out of my chime by the hackers and they proceeded to charge XXXX XXXX times until my funds were gone. I have proof from chime anXXXX XXXX that my account was hacked and logged into by I phone that I've never used ( XXXX ). I have a XXXX XXXX XXXX and that can be verified when I opened the account. I've never logged in from another device. I've made XXXX disputes and also filed a police report and they still refuse to give me my money back when it was clearly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding a Capital One credit card account that is being reported as charged off with a balance of {$1400.00}. 
I dispute the accuracy, completeness, and legal validity of this account. My middle name is XXXX, which is on my SSN card for proof. I am requesting verification of this debt in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Please provide documentation to verify : * That this account legally belongs to me * The original signed agreement or application * A complete and accurate payment history * The date of first delinquency * Proof that the balance being reported is accurate If Capital One can not provide full verification, I request that this account be deleted from my credit report. 
Please complete your investigation within the required 30-day timeframe and notify me of the results in writing. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: FL

Complaint narrative:
Cash App wrongfully closed my account without warning and falsely accused me of using their platform for gambling. This allegation is completely baseless. I am a professional baker and smallbusiness owner, and every transaction on my account was tied directly to legitimate dessert orders. During the XXXX season, I sent approximately fifty {$25.00} payment requests to customers for holiday orders. Cash App misclassified normal business activity as gambling and shut down my account with no explanation, no evidence, and no due process. 

Cash App has repeatedly claimed they emailed me information on XX/XX/year>, but no such email was ever sent. They have refused to provide proof of any gambling activity, refused to identify a single violating transaction, and refused to correct their false accusation. Their responses have been generic, evasive, and intentionally misleading. 

Their actions caused significant financial damage. Because they disabled my account during the busiest time of the year, I was unable to collect deposits for over 150 holiday orders. This resulted in lost revenue, lost customers, and major disruption to my business operations. I still can not access my account or transaction history, which further harms my ability to run my business. 

I have never used Cash App for gambling or any prohibited activity. Cash Apps accusation is false, unsupported, and has directly harmed my business and reputation. I am requesting a full investigation into Cash Apps conduct, their false allegation, and their refusal to provide documentation or a legitimate explanation for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am submitting this complaint regarding U.S. Banks closure of my credit card account without notice and without a clear explanation. 

The account in question is my U.S. Bank XXXX XXXX XXXX XXXX XXXX, ending in XXXX. 

I have used this card normally and responsibly and have not violated any cardmember agreements, nor have I experienced or been notified of any fraudulent activity on this account. However, on XX/XX/XXXX, I discovered that my card could no longer be used. I had received no prior noticewritten, electronic, or verbalthat the account was being closed. 

After contacting U.S. Bank customer service, I was informed that the account had already been closed. I requested that the account be reopened, but U.S. Bank representatives stated that they were unable to do so. As a result of this closure, all accumulated reward points associated with the account were forfeited, causing me a direct financial loss and significant inconvenience. 

The sudden closure without notice has disrupted my finances, affected my ability to make planned purchases, and resulted in the loss of rewards that I earned through legitimate spending. I believe this action was unfair, lacked transparency, and did not provide me with a reasonable opportunity to respond or remedy any alleged concerns. 

I respectfully request the CFPBs assistance in forwarding this complaint to U.S. Bank and urging them to : 1. Reopen my closed credit card account, and 2. Restore all forfeited reward points associated with the account. 

Thank you for your time and assistance in helping to resolve 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 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This was a result of Identity theft. I have been dealing with this for over a year with several other companies. I have had to change my Driver 's license, bank accounts, addresses, and several other things due to this. This has a very negative effect on my life, and I need this removed from my credit report, or for this creditor to be blocked from reporting to my credit. This account has also been sold several times, and it is not legit. Please get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
THIS IS NOT MY ACCOUNT THEY NEED TO VERIFIED SOCIOL SECURITY NUMBER S AND DATES OF BIRTH THEY HAVE WRONG INFO NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
On XX/XX/year> i sent via certified mail a Debt Validation letter to : Company Name : Llyod & McDaniels PLC Issue : Debt Collection Failure to Validate Debt Relevant Law : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ) Complaint Description : Llyod & McDaniels PLC failed to properly validate an alleged debt as required under 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act.

After receiving an initial communication from Llyod & McDaniels PLC regarding an alleged debt, I timely disputed the debt and requested validation within the 30-day period provided by law. Despite this request, the company did not provide proper debt validation as required by 1692 ( g ) ( 1 ) and 1692 ( g ) ( 2 ).

Specifically, Llyod & McDaniels PLC failed to provide : Compe
tent evidence that the alleged debt is valid Documentation showing the amount of the debt and how it was calculated Proof that Llyod & McDaniels PLC has the legal authority to collect the debt Verification identifying the original creditor and any chain of assignment Additionally, despite the absence of proper validation, Llyod & McDaniels PLC continued collection activity, which is prohibited under 15 U.S.C. 1692 ( g ) ( 2 ) once a consumer disputes a debt and requests verification. 

The companys actions constitute a violation of the FDCPA and deprived me of my statutory right to meaningful debt validation before further collection efforts. 


-- - Harm Experienced : Ongoing collection activity without lawful validation Stress and confusion due to lack of transparency Potential risk of inaccurate credit reporting Violation of federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been receiving daily calls from unknown/blocked numbers claiming to be related to a payment or account with Comenity Bank . These calls occur every day, often multiple times, and I have never authorized Comenity Bank or any agent to call me repeatedly from unknown or blocked numbers. I have repeatedly requested that all communication be directed only to me and only in writing, and that no third parties be contacted.

On a specific occasion, Comenity Bank ( or its agent ) called a third party ( my husband ) who is not on my account, not listed on any paperwork, and I never provided permission to share any information with him. When he asked what the call was for, the caller repeatedly asked about me before the call was cut off. 

This is harassment and constitutes unauthorized third-party contact in violation of my privacy rights and applicable consumer protection laws. I am requesting that Comenity Bank be required to stop all third-party contact, stop daily harassment calls, and comply with my demand for written communication only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX by personal checking account was compromised and two transactions of XXXX and XXXX were withdrawn from my account. I immediately called into the bank when I saw this and they gave me a credit while investigating this. Next my business check account was compromised and the same action was taken by crediting the amount and sending out new debit cards. 

On XX/XX/XXXX I saw multiple transactions trying to come out of my personal checking account and being automatically declined in the amounts of {$1900.00} and {$2800.00}, then on the third time they went through as pending. I called Wells Fargo and they stated that they would put the money in my account issue a new card. This did not happen. The amounts have posted and have now been withdrawn from my account. I called the bank on XX/XX/XXXX and XX/XX/XXXX at which time they assured me I would be credited the {$4700.00}. Instead they allowed these pending transactions to post and I have no way of paying bills. They also are allowing late quarterly business payments to the IRS to be late as they are due XX/XX/XXXX ; I have no way of paying bills and my child needs tuition money and food. I don't understand how my money is insured ; yet Wells Fargo has allowed three different fraud transactions happen in a short period of time. They claim that my account information is secure and someone is accessing my debit card information ; yet I don't understand how this is continuing to happen, especially in a short period of time and for such a high amount of money. Please help! 

There is a lot of scientific research that documents how food insecurity impacts three generations when people go hungry for periods of time. Wells Fargo is directly contributing to the obesity and autoimmune epidemic by cutting off people 's access to their hard-earned money and to food.

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Overview of Deceptive Practice I am filing this complaint regarding a deceptive interface design, or dark pattern, and unfair practice by PayPal that resulted in an unauthorized attempt to debit my bank account and a subsequent negative balance trap. PayPals interface misled me regarding the funding source for a transaction and is now refusing to allow me to cure the resulting debt using my preferred payment method ( a credit card ).

Specifically, I authorized a payment of approximately {$1400.00} to XXXX with PayPal as my funding source. Prior to this transaction, I explicitly set my XXXX XXXX XXXX in PayPal to my credit card. I relied on this setting when checking out. 

However, because XXXX processed this charge as the second half of a " split payment, '' PayPal reclassified it as a " Recurring Payment and defaulted this recurring charge to my checking account without my consent or any notification during the checkout flow. This default setting ( hiding deep in the Automatic Payments menu ) directly contradicted my global XXXX XXXX XXXX setting. 

When I realized PayPal was attempting to debit my checking account against my wishes, I stopped the payment at my bank. Consequently, PayPal applied a negative balance to my account. 

I immediately attempted to resolve this negative balance by paying PayPal with my credit card ( the exact method I intended to use originally ). PayPal is now refusing to accept a credit card to resolve the negative balance, insisting I must link a bank account. 

I believe this is a UDAAP ( Unfair, Deceptive, or Abusive Act or Practice ) because my " Preferred Funding Source '' setting created the net impression that my card would be charged. The existence of a conflicting, hidden default for " Recurring Payments '' constitutes a material omission that misled me as a consumer and is unfair to me because I can not reasonably avoid the harm due to the " Recurring Payment '' setting being obscured. Furthermore, PayPal is now effectively trapping me in debt by restricting the payment methods I can use to cure the balance, forcing me to use a debit instrument ( bank account or debit card ) I explicitly do not wish to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I sold my house and the title company wire transferred the funds into my checking account I gave them the information on XX/XX/XXXX, about 10 days after I opened a savings acct to put the home sale funds into ( I dont have exact dates because regions closed all access to my acct ) about a week after that I received a email I didnt recognize and deleted it thinking it might be unsafe to open, there wasnt any letter heading in bold print like I received in the past from region, a week after that I received another email similar and this one was from a branch of regions I have never used asking me to bring in verification of my address or they will have to close the acct, I have had the other 2 accounts with them for 3.5 years, so I removed the funds from new savings acct to another bank and thought that was the end of the issue, I wrote a check for rent on XX/XX/XXXX and it was returned, I found out on XX/XX/XXXX, I tried logging into my regions checking acct but it was nonexistent, I wrote another check for my rent from a different bank and checked my mail to see a letter from regions stating they closed my checking acct and savings acct ( that I already closed ) XX/XX/XXXX and there was a check for funds from checking acct, my Social Security is directly deposited into regions acct and other bills are paid thru that acct. On XX/XX/XXXX I was at the regions branch the only one I ever used, for something unrelated and asked there if everything is in order with my account because of the email I got from XXXX, TN branch mgr. XXXX XXXX and was told then that everything is in order. I changed all my accounts I could with new information, but SS Admin won't start changes until XXXX so Im not sure what will happen to XXXX XXXX deposits. Nothing was ever said about closing my checking acct, because of the threatening tone from XXXX mgr. XXXX XXXX in the emails is why I didn't respond to them I thought they would figure it out if they had any common sense, it might have taken 5 minutes of work and when I went to XXXX, TN branch where I used to do my banking with to discuss they never even tried to resolve, they were argumentative and just wanted to defend the other mgrs. actions

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 2026-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: LA

Complaint narrative:
A new contract was opened in my name without my consent

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 2026-01-11 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX we tried to make a purchase at the XXXX XXXX at XXXX in XXXX, NC. The transaction would not process so the cashier rang it up again. We were purchasing close to a {$1000.00} of merchandise using their 20 % off almost anything and using my XXXX Reward Card Points. It looked like the transaction was going through so I ran my XXXX XXXX card repeatedly but the register kept saying NOT COMPLETED. Since the transaction would not go through it was suspended and the merchandise held until XX/XX/XXXX. It would take up to 24 hours for my Rewards to return. I did not receive anything for proof that there was not an actual sale. Didnt know I needed too. 

I kept watching my XXXX Rewards account to see when my Rewards were available again. I noticed there was an AUTH GRANTED for {$750.00} on my account. I call COMENITY BANK to ask them to remove it so I can use my card. They refused to do so. They send me to FRAUD PROTECTION. Fraud Protection tells me the Store is responsible for removing the hold. The Store Manager tells me it is the Banks responsibility. So basically no one is responsible and it is someone else 's problem. I purchased my merchandise on hold and used my XXXX XXXX. 

I look at my account on Comenity Bank website and the AUTH GRANTED has been moved into my balance as an actual charge. I have called and written numerous times. I was promised the charge would disappear on XX/XX/XXXX. It did not. I have gotten XXXX Customer Care involved and they are worthless. Because I have called and written so many messages with no resolution, they have now moved this NON TRANSACTION, FRAUDULENT CHARGE into a 90 day dispute. If this isnt some type of serious fraudulent activity, I do not know what is. They know the {$750.00} is not an actual charge. They have a acknowledged that it is not a real charge yet they REFUSE TO TAKE IT OFF. I know if I do not stay on top if this they will turn this Fake Transaction into a debt that is owed and it will grow like a XXXX till they can sell it to some seedy debt collectors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Previously, I received emails from XXXX XXXX XXXX but the email looked suspicious. They said my account was past due. I looked at my account on my app and all shows good. I then called to have XXXX XXXX XXXX verify that I was in good standing. Yesterday, I say on my XXXX app, that I was in collections in XXXX, XXXX and XXXX of 2025. I called the company and asked them to see what the debt was for. Prior to calling, I researched Credence Resource Management and it showed basically that they are a shady company. I called the company number and asked them to confirm the debt and see what it was. I provided my name, address and email. He then wanted my XXXX and XXXX. I told him I would not provide that information over the phone and that he had enough information to inform me of my debt. He said without that information he couldnt help me and hung up. I am reporting this because Im 99.9 % this is a scam and never had to give my full SSN, just verify the last 4 of my social. If you can provide some information on how to deal with this, I would appreciate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my

Company response to consumer: Closed with explanation