vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/scrub> 2026 Credit Karma has decided to close my XX/XX/XXXX account for no reason at all. When inquiring, they said it was assessed by risk management team for a risk based decision. I did nothing and then when my card was stolen. Someone utilized my funds and I filed a dispute. When the dispute was finalized they refused to assist with options to obtain the funds. I have opened a case on XX/XX/scrub> 2026 and it hasn't been touched nor have i been contacted. I continue to call and im not getting anywhere nor a call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
I dispute the validity of this debt and request full verification as required under the Fair Debt Collection Practices Act ( FDCPA ). Until proper validation is provided, you must cease all collection efforts, including phone calls, letters, and credit reporting. Additionally, if this account has been reported to any credit bureau, I demand that it be immediately removed pending proper validation. Failure to comply with this request may constitute a violation of federal law. The amount is XXXX from fair collection and outsourcing.

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 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXXChase closed my account without even letting me know'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing a formal complaint against Exeter Finance LLC regarding inaccurate reporting and an invalid deficiency balance following repossession. The vehicle ( XXXX XXXXXXXX XXXX ) was sold for only {$2400.00}, while the remaining balance exceeded {$27000.00}. This raises serious concerns that the sale was not conducted in a commercially reasonable manner as required under applicable law. Exeter has failed to provide proper validation of the alleged debt. They only provided a copy of the contract and internal account history, but did not provide : Auction location, date, or method of sale Identity of purchaser Proof of fair market value at time of sale Evidence that the sale was commercially reasonable Full accounting of fees and applied credits Additionally, Exeter stated that insurance and XXXX refunds may not yet have been applied, which calls into question the accuracy of the balance being reported. Despite these deficiencies, Exeter continues to report this account to credit bureaus, which is damaging my credit and financial stability. I am requesting : XXXX. Immediate deletion of this account from all credit reporting agencies, XXXX XXXX. Full documentation proving compliance with commercial reasonableness standards and accurate balance calculation If Exeter can not provide this documentation, the debt should be considered invalid and removed. This matter is causing financial harm and must be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified debt reporting by National Credit Adjusters. National Credit Adjusters is reporting XXXX collection accounts on my credit report in the amounts of {$130.00} and {$190.00}. I previously sent a written request for validation of these alleged debts, requesting documentation including a signed contract, complete payment history, and documentation showing I am legally responsible for the accounts. National Credit Adjusters failed to provide any of the requested documentation. Instead, the accounts continue to be reported and have been marked as verified with the credit bureaus. I also disputed these accounts with the credit bureaus, and they were verified without any documentation being provided to me explaining how the verification was conducted. To date, I have not received any evidence that I am legally obligated for these debts. This raises concerns regarding compliance with the Fair Debt Collection Practices Act XXXX and the Fair Credit Reporting Act XXXX and XXXX. I am requesting that National Credit Adjusters either provide proper documentation validating these debts or immediately delete these accounts from all credit reporting agencies. The continued reporting of unverified accounts is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: CA

Complaint narrative:
Hi I using pay pal my email is on pay pal is XXXX Pay pal block my account, I already provided them all my details my id card and all required information, and they hold my money for next XX/XX/XXXX month I want restore my account completely so I can get money from my customer thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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:
XXXX I have {$600.00} in my chime account XXXX Can't access my account XXXX Chime account won't accept my email/password combination XXXX Resetting password requires a photo ID ie driver 's license, State ID, Military passport, I don't have one. They give me no other option for verifying my identity. XXXX it could take up to XXXX days to replace my driver 's license or ID XXXX I don't have XXXX days to access my funds, I'm a month behind on my rent in regulated housing, the office is working with me but I've only got a short time maybe a week or so and my family and me are going to be evicted. XXXX We are hungry and about to be evicted, we'll be on the street, and chime will be to blame. I gave them my money with open arms to care for and now they refuse to release my money to me. They put my money in a vault and have given me only XXXX way to access it. They have made it impossible for me to access my funds, I need my money, and I don't have XXXX Days, I have rent to pay and a family to feed. I need my money now!! It's my money, and they have no right to take it from me .. it's " theft by restriction '' ... I need help!! Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I was in a major car accident I was T-boned coming out of a restaurant the car stalled out and dude was speeding. The car was totalled and pushed out the road and towed by the law because it wouldnt start. It is in a tow yard in XXXX VA everything should be in a police report. They was provided this when everything happened they still charged me and havent went to get vehicle I know this because I moved to XXXX and the sent a tow guy to my address now and the car isnt here I rode the bus to XXXX and can provide proof. So why do all this when they know where the car is? Like I found out this car was under recall due to a transmission sensor and the company drove it with XXXX light on for XXXX to my house in XXXX to drop car off in XXXX. I only had the car since XXXX of that year so yeah XXXX months and it starts acting up brand new vehicle is what they claim. XXXX XXXXXXXX XXXX. This car almost killed me stalling out!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: TN

Complaint narrative:
I have been attempting to transfer approximately {$5100.00} from my PayPal business account to a business account on file since XX/XX/scrub> 2025. I have made approximately XXXX calls, most if-not-all over an XX/XX/XXXX long, to PayPal customer service on the following dates : XX/XX/XXXX ( XXXX call ), XX/XX/XXXX ( XXXX call ), XX/XX/XXXX ( XXXX call ), XX/XX/XXXX ( XXXX call ), XX/XX/XXXX ( XXXX calls ), XX/XX/XXXX ( XXXX calls ), XX/XX/XXXX ( XXXX call ), XX/XX/XXXX ( XXXX calls ), XX/XX/XXXX ( XXXX calls ), and XX/XX/XXXX ( XXXX call ). I am an authorized user on this account alongside the primary account holder, which required XXXX separateXX/XX/XXXXlong calls with both of us present to establish. Despite this, PayPal has repeatedly placed security blocks on the account citing inactivity, the large transfer amount, and repeated attempts. Each time I call, I am told to wait XXXXXX/XX/XXXX for the block to be removed, and when I call back the same issue occurs. During XXXX call, an agent hung up on me because they could not figure out how to resolve the issue, forcing me to call back and restart the process entirely. During my most recent call on XX/XX/XXXX, the agent initially told me they did not have the ability to connect me with a supervisor. When I informed them that I knew this was possible because it had happened on previous calls, they then did connect me. The supervisor I was connected with then claimed they did not have an extension number. This was also contradicted by prior calls, in which every supervisor I spoke with either provided an extension number or confirmed that extensions exist. After approximately XXXX calls I was escalated to a supervisor who promised a personal callback at a specific time on XX/XX/XXXX to manually process the transfer. The supervisor never called. When I reached out that same day, I was told that security authentication questions needed to be answered by the primary account holder only contradicting what I had been told on multiple prior calls that I as an authorized user would be able to resolve this. I have an urgent vendor invoice due and can not access or transfer {$5100.00} of my own funds. PayPal has repeatedly made promises they did not keep, and agents have provided demonstrably false information on multiple occasions, suggesting a pattern of misleading customers to avoid resolving legitimate access issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Got the car by a credit and co signer in XXXX and car has got repossessed in XXXX due to my incarceration from XXXX XXXX to XX/XX/XXXX I was told after coming out of incarceration that car was auctioned off by the company never stated to me that they were the ones who had possession of the vehicle it was stated that the car would be charged off instead of us coming to an agreement of resolving the issue of making payments due to the fact that the car wasn't towed from my living property in was repossessed from a towing company named XXXX XXXX in XXXX XXXX Florida whiles I was still incarcerated now my credit is completely ruined and the co signer didn't respond to any of the notice because of change addresses and I now longer at the address myself I called after my incarceration and wasn't given an option to make payments to resolve the issue because the tow truck company sent me a letter giving me a payment of XXXX dollars for storage cost but during the call I was told the car was auctioned off by the towing company but not by Santander consumers who additional was the owners of the car the lease it from they never spoke to me stating that they were the ones who possessed the car them selfs and resold for the debt pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting a complaint regarding inaccurate and potentially unlawful credit reporting on a Capital One account. The account is reported as a charged-off revolving account with a balance of {$750.00} and a credit limit of {$550.00}, which raises concerns about the accuracy and consistency of the reporting. I believe this account may be improperly reported beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ), or may have been re-aged. I am requesting verification of the Date of First Delinquency ( DOFD ) that led to the charge-off. Specifically, I am requesting : XXXX. The exact Date of First Delinquency ( DOFD ) used to calculate the reporting period XXXX. Documentation showing that the account is still within the XXXX reporting period XXXX. A full accounting of the balance, including how it exceeds the original credit limit XXXX. Verification of all late payments and charge-off status If this account is being reported beyond the legally permitted timeframe, or if the Date of First Delinquency can not be properly verified, I request that it be immediately removed from my credit report. Additionally, if any information is inaccurate, inconsistent, or incomplete, I request correction or deletion in accordance with the FCRA. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Case number : XXXX ( prior ) Below is an email I had received from XXXX XXXX XXXXXXXX shows that I had made the final payment with XXXX XXXX XXXXXXXX in the amount of {$710.00}. Therefore, BofA, XXXX XXXX should not have collected additional payments from me beyond the date of XXXX. -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX Sent : Thursday, XX/XX/2013 at XXXX XXXX MST Subject : XXXX, Congratulations on your Final Payment Dear XXXX, Congratulations! The final payment of {$710.00} on your XXXX XXXX loan ( XXXX ) has been received. Confirmation Number : XXXX. If you need to access your account for any reason, you can do so XXXX. Just log on to " My Account. '' We thank you for being a XXXX XXXX customer! And remember XXXX XXXX for plain and simple solutions to life 's little surprises. Sincerely, Your 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
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed billing disputes with Bank of America for multiple charges related to the same XXXX reservation. The reservation was charged in separate transactions totaling over {$10000.00}. XXXX charge ( {$120.00} ) was approved and credited, while XXXX larger charges ( {$5100.00} and {$5000.00} ) were denied, despite all charges being from the same reservation, merchant, and dates. XXXX also issued a partial refund of {$1100.00}, confirming the reservation was not fully provided as agreed. Bank of America denied the remaining claims stating they could not confirm cancellation, but this does not address the issue of services not provided. I requested a supervisor-level review, but have not received a proper resolution. The inconsistent handling of identical transactions is unfair and requires correction.

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 monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Failure to Provide Competent Evidence Your response relies on an alleged online application using a checkbox acknowledgment. This does not constitute legally sufficient proof of identity or authorization. You have failed to provide any verifiable documentation demonstrating that I personally opened or authorized this account. Specifically, you have failed to provide : A signed application or legally binding agreement Government-issued identification used at the time of account opening Social Security number verification records IP address logs, device identification, or authentication records Any documentation proving that I personally consented to or benefited from this account Improper Investigation FCRA Violations Your investigation does not meet the standard required under the Fair Credit Reporting Act. You have relied on internal system data and alleged account activity rather than conducting a reasonable investigation. This constitutes violations including : 15 U.S.C. XXXX ( b ) : Failure to conduct a reasonable investigation 15 U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy Continued reporting of disputed information without proper verification Improper Use of Address and Internal Data Your reliance on an address allegedly associated with me does not constitute proof of identity. Public records and internal account associations are not valid methods of identity verification, particularly in documented identity theft situations. Account Activity Does Not Equal Authorization The presence of transactions or payments does not establish that I authorized or opened the account. Identity theft inherently involves unauthorized use of accounts, and your reliance on such activity is insufficient and legally flawed.

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 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion and XXXX violated my rights as a consumer under 15 USC 1681C-2 and i need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove XXXX account XXXX date XXXX XXXX XXXX, remove inquiry ; XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: AL

Complaint narrative:
I am currently in an XXXX XXXX and recently received a letter dated XX/XX/year>, stating that a non-judicial foreclosure has been filed on my home by Selene XXXX. Neither my attorney nor I have received any prior communication regarding this foreclosure action. I have not received any notice of default, amount owed, or any documentation outlining the status of my loan. Additionally, nothing has been posted on my property. Despite this, I have continued making monthly mortgage payments, which the company has accepted. I am also still able to make payments via phone using ACH. This raises serious concerns about the accuracy and legality of their actions. On XX/XX/year>, I contacted the company and was informed for the first time that my home has a foreclosure sale date scheduled for XX/XX/year>. Requested Resolution : I believe this foreclosure action may be in violation of the automatic stay protections under XXXX. I am requesting : 1. Immediate suspension of all foreclosure activity 2. Written explanation of how foreclosure proceedings were initiated during an XXXX XXXX 3. A complete and accurate payment history and accounting of my loan 4. Correction of any errors and confirmation that my account is in proper standing 5. Direct communication with my XXXX attorney regarding this matter I am seeking urgent review and resolution of this issue, as I am attempting to retain my home and remain in compliance with my obligations. I am attaching a copy of the last mortgage statement that received. I can also upload proof of payments.

Company response to consumer: Closed with explanation