vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Currently I am having a problem with Bank of America because court ordered direct deposits are kicking in, and I have NO access to my direct deposits. The bank employees followed by the XXXX XXXX XXXX, continue to hide these deposits from me by duplicating my real account and having me view transaction placed on a closed fake account. This is the same exactly problem I encountered with my now closed account that used to end in XXXX. For at least XXXX months in a row, a minimum of {$6000.00} would get direct deposited into my personal checking account, and I had XXXX access to the money. The money was getting mismanaged ; and I was being highly disrespected. CFPB reference number : XXXX submitted on XXXX. XXXX XXXX XXXX case number XXXX ( BoA vs XXXX XXXX XXXX XXXX Now I have a new account with Bank of America XXXX It ends in XXXX. Court ordered direct deposits are kicking in, and I still have XXXX access to the funds ; a total of {$16000.00}. XXXX XXXX entered my fake account on XXXX ; and got stolen. The remaining balance was removed/stolen by XXXX. And he keeps alleging that's his money court ordered ; and it's not. His hearing had NO Judge, The judge is not visible. CFPB reference # : XXXX Then the same adults preventing me from having access and seeing the money decided to take over my real latest online account that I re-enrolled back in XX/XX/XXXX. So, due to them leaving me a super FAKE online account that has nothing to do with Bank of America, I called BoA on XX/XX/XXXX, to re-enroll and deactivate the other accounts. Well, the employee who took the call was an Impersonator. He actually decided he wanted my account ; but today XX/XX/XXXX, he decided to close his online account that he created as me, and that's when every one is able to see my online account is really with XXXX XXXX. This is why I I can not receive direct deposits or XXXX. What a crime! Random people just hack my real account and transfer money to themselves ; and they don't stop switching my debit card. This is why I took the time to notify the FBI department of this misconduct and the CIA department followed by XXXX. The crime has been going on since XXXX of XXXX ; and it really needs to stop. I need my deposits. I need to move on in life. Therefore, please make the bank remove all the blocks on my online account ; and begin respecting me. I've been taken advantage of for so long now. It's insane! I'm starting to really believe this is first degree discrimination. Why can other people receive inheritance money, regardless of the amount, direct deposited, with no problems, and I can't? XXXX XXXX XXXX case # : 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 monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a {$1000.00} international transfer ( Transfer No. XXXX, Session ID : XXXX ). The company marked the transaction as successfully delivered. However, the recipients official bank statement ( downloaded directly from XXXX XXXX online banking portal in PDF format ) shows that no deposit was credited on XX/XX/year>. The bank has also verbally confirmed that no transaction referencing the provided Session ID was received or posted. There is a critical difference between a third-party delivery confirmation and actual posting into the receiving banks core ledger. A status of processed or delivered within the companys system does not prove that funds were credited to the recipients account. I have repeatedly provided official bank statements covering XXXX XXXX XXXX Despite this, the company continues to rely on partner confirmations rather than providing proof of actual ledger posting at the receiving bank. If the funds were truly settled into the receiving banks system, there should be a traceable ledger entry or confirmation from the receiving institution. No such proof has been provided. At this time : The recipient bank confirms no credit was posted. The bank statement shows no deposit. The company has not provided proof of ledger-level completion. My {$1000.00} has not been returned. I am requesting that the company either : 1. Provide documented proof that the funds were posted into the recipient banks core ledger, or 2. Reverse the {$1000.00} to my original payment method immediately. As of today, XX/XX/year>, no credit has appeared in the recipients bank account. I am seeking regulatory review to ensure proper investigation of where these funds are currently held and to ensure resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
This predator XXXXr insists on reporting FRAUDULENT accounts information and outdated information as well. This company has been paid as agreed. Im asking kindly of this company XXXX XXXX to please STOP THE PROFILE HERRASSMENT IMMEDIATELY. I also ask that that CFPB and all data furnishers pay close attention, INVESTIGATE and be careful WITH PRESTIGE FINANCIAL AND THEIR XXXX XXXX MOTIVES FOR ALGORITHMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I understand your system shows no promotional code. My concern is that I began the account through the promotional offer online and was required by your process to finish in a branch, where the banker accessed my existing application. A customer has no way to know internal promotional tracking requirements or that completing the process in person could remove eligibility. I relied on the advertised offer and followed the instructions given to me. I am requesting reconsideration as a goodwill resolution due to this process issue.. I have already filed complaints internally and with the CFPB. If this issue can not be resolved as a goodwill adjustment, my next step would be to seek review with the XXXX XXXX XXXXXXXX XXXX for consumer protection oversight.

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 2026-03-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received the attached prepaid card several weeks ago, then set up a PIN number then went to an ATM near my place. It was unable to withdraw or swipe at the gas station. ATM machine screen shows " stolen card '' at last attempt. I stopped using that card. And then called XXXX and not able to reach any customer service. After that, I called XXXX XXXX XXXX ( XXXX ) benefits helpline, a lady said there was no way she can help. XXXX would only be responsible for deposit to a designated payment method. I tried anther option on that phone attempted transfer to my bank account. But I failed. Unable to find an answer, I mailed the attached card to XXXX XXXX XXXX, XXXX, XXXX XXXX. I learned that there were many people had similar issues with Money Network prepaid card. 1 of which kept calling many times got answer to resolve. To me, there was absolutely no response. So I wish that XXXX would suggest me what to do from there.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a business checking account from Bank of America from this website, XXXX XXXX XXXXXXXX The promotion is {$750.00} provided I deposit new money of {$15000.00} and keep it there for a specified period of time. However, upon calling bank of america, they can not confirm that I am going to receive this bonus since they don't see the code? I even made sure I applied the code while going through the checking account signup process.

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am reporting a case of premeditated merchant fraud.Transaction ID : XXXX and Invoice Number : XXXX. I ordered professional laboratory equipment worth {$450.00}, consisting of : XXXX XXXX XXXX ( {$390.00} ). XXXX XXXX XXXX XXXX ( {$66.00} ). Instead, the merchant sent a package filled with unrelated automotive junk ( XXXX, XXXX XXXX, XXXX XXXX, and XXXX ). The Core Issue with PayPals Handling : PayPal is improperly relying solely on tracking numbers as a justification to close the case. This is a deceptive practice and a failure to address the actual grounds of my dispute, which is Significantly Not as Described ( SNAD ). Using delivery confirmation to override physical proof of fraud ( Unboxing Videos and Photos ) is a violation of consumer protection. A tracking number only proves that " a ' package was delivered, not that the 'ordered ' goods were inside. Evidence Provided : I have provided XXXX comprehensive video links showing the full unboxing and a detailed comparison of the items. I have attached photos clearly showing the discrepancy between the ordered tools and the received junk. Requested Resolution : I request an immediate manual human review of the physical evidence and a full refund of my {$450.00}. PayPal must stop using automated tracking status to ignore documented merchant fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I want to file a complaint regarding retroactive deferred interest charges applied to my Zales credit card issued by Comenity Capital Bank. I made approximately {$6000.00} in purchases under a promotional financing offer. Prior to or shortly after the purchase, I contacted customer service to ensure automatic payments were established at an amount sufficient to pay the balance before the promotional expiration date. I relied on the representatives information regarding the required monthly payment amount and believed the account was structured correctly. After the promotional period expired, I was unexpectedly charged approximately {$3000.00} in retroactive interest. I was not alerted that payments were insufficient, nor was I informed that automatic payments were not properly set up. The bank has stated they can not review call recordings and that representatives would not have been able to set this up, which contradicts my recollection of the call and leaves me without recourse. I acted in good faith and would have immediately adjusted payments had I been informed of any deficiency. I am requesting : Review of all relevant call recordings and account notes Reversal of retroactive interest as a goodwill adjustment Clarification of how required payment amounts were calculated Explanation of why no notice was provided before applying {$3000.00} in deferred interest The retroactive interest nearly equals XXXX % of the original purchase amount and was not anticipated. I am not disputing the principal balance, only the deferred interest applied due to what appears to be miscommunication or failure in account setup. I am happy to pay off my entire balance in XXXX payment, given this interest is reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/XXXX, my savings account was compromised by unauthorized ACH withdrawals in {$1000.00} increments originating from XXXX for cryptocurrency purchases. Upon discovering these fraudulent transactions, I immediately went to my bank, closed the compromised savings account, and opened a new savings account. At that time, I reviewed my checking account and did not detect any unauthorized activity. On XX/XX/XXXX, I discovered that my checking account balance was nearly depleted. Upon review, I identified multiple unauthorized ACH withdrawals of {$1000.00} each on XX/XX/XXXX, XXXX, and XXXX, also processed through XXXX for cryptocurrency. When investigating further, I discovered additional unauthorized transactions in my checking account dating back to XXXX that I had not previously detected. I promptly reported these XXXX transactions to the bank. The bank is now denying reimbursement, stating that I am responsible for not closing or changing my checking account at the time I closed my savings account. However, under Regulation E of the Electronic Fund Transfer Act, I am seeking reimbursement of approximately {$5000.00} in unauthorized transfers that occurred within XXXX days of when I first notified the bank of the unauthorized activity, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC
State: FL

Complaint narrative:
Cease and desist collection efforts for an alleged small dollar balance account. The ACI reference number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Product : Credit card ( XXXX XXXX XXXX issued by Citibank , N.A . ) Issue type : Billing error dispute / foreign transaction Summary of complaint : I am submitting a complaint regarding Citibank, N.A.s handling of a disputed foreign transaction on my XXXX XXXX XXXX credit card. The disputed charge involves an apparent currency denomination error and inconsistent merchant identification arising from a transaction in XXXX. At the time of purchase, I requested that the charge be processed in XXXX pesos, but it posted in U.S. dollars. I was not provided a receipt despite requesting one. I submitted a written dispute within the required time period and provided all information required under the Fair Credit Billing Act and Regulation Z, including account identification, amount, and reasons for believing a billing error occurred. A Citi representative later acknowledged that my dispute was timely. However, Citi denied the dispute solely because I could not provide a receipt, even though the merchant did not provide one and Citi did not request transaction documentation from the merchant. The dispute falls within the statutory definition of a billing error, including an incorrect amount, improper identification, and a request for clarification and documentary evidence. The process applied appears to impose an evidentiary burden on the consumer that is impractical in foreign transactions where merchants fail to provide receipts. I request CFPB review of whether Citibanks investigation and resolution of this dispute complied with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), and whether its practices provide consumers a meaningful opportunity to contest incorrect charges. Desired resolution : Review of Citibanks handling of this dispute for compliance with FCBA and Regulation Z, and appropriate corrective action.

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for a chase business ink unlimited card in XXXX, and on XX/XX/year> XXXX points were deposited in my account. Now sometimes in the past, Chase would send a tax form for this even though its considered a rebate. I want to make sure Chase will NOT be sending a tax form for this but when I call Chase customer service, they are unsure. I also have a negative balance of {$42.00}, that I want to go back to my Chase Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
Bank / Company : Chime Account Type : Checking / Debit Card Amount : {$4500.00} Complaint Narrative : On XX/XX/year>, my wallet, Chime debit card, passport, and mobile phone were stolen. I immediately reported the theft to Chime the same day and filed a police report ( Report # XXXX ( A ) PC ). After the theft, unauthorized transfers and withdrawals totaling approximately {$4500.00} were made from my account. These transactions occurred after my items were stolen and before I reported the theft to Chime. I did not authorize these transactions and did not give anyone permission to use my card, PIN, or account credentials. I have disputed these transactions with Chime twice. Both disputes were denied with the explanation no error occurred. However, under the Electronic Fund Transfer Act ( Regulation E ), my liability for unauthorized transactions is limited when reported promptly. The denial does not address whether the transactions were authorized by me the key factor under the law. I am requesting that Chime conduct a reasonable investigation consistent with federal law and reimburse the full amount of the unauthorized transfers totaling {$4500.00} I also request written documentation of their investigation and basis for the denial. This complaint is being filed after Chime failed to resolve the dispute despite immediate reporting, a police report, and clear evidence of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I checked my TransUnion credit report and discovered a new, fraudulent collection account added by XXXX XXXX XXXX XXXX XXXX. The account claims I owe {$890.00} to XXXX. I have never opened a T-Mobile account associated with this debt. I am a victim of identity theft resulting from a recent data breach. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency is legally mandated to block the reporting of any information resulting from identity theft no later than XXXX ( XXXX ) business days after the receipt of an identity theft report and proof of identity. By submitting this complaint and the attached documents, I am formally triggering this mandatory block. Furthermore, the furnisher of this data, XXXX XXXX XXXX, has violated several federal consumer protection laws regarding this account, rendering their reporting entirely invalid : CFPB Regulation F ( 12 CFR 1006.30 ( a ) ( 1 ) ) : XXXX XXXX engaged in unlawful " passive debt reporting. '' They parked this debt on my credit file without ever communicating with me first to provide the required debt validation information. FDCPA 1692g ( a ) : I never received a written validation notice within XXXX days of their initial communication or the reporting of this debt. FCRA 623 ( a ) ( 6 ) ( B ) : As a data furnisher, XXXX XXXX is legally prohibited from reporting data they have reasonable cause to believe resulted from identity theft. FDCPA 1692e ( 8 ) : By attempting to collect on an account opened by an identity thief, XXXX XXXX is willfully communicating credit information that is false. I have attached my official FTC Identity Theft Report and proof of identity. The receipt of this report mandates that this fraudulent information be blocked from my consumer file. I demand that this tradeline be deleted within the XXXX-day timeframe required by law, and that XXXX XXXX XXXX XXXX all collection efforts.

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/year> Against : Portfolio Recovery Associates , LLC Complaint Category : Debt Collection / Incorrect Debt / Attempts to Collect Debt Not Owed Complaint Narrative : I am filing a formal complaint against Portfolio Recovery Associates , LLC regarding an alleged debt : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Amount Claimed : {$7500.00} I have formally disputed this debt and requested validation pursuant to the Fair Debt Collection Practices Act. The company has : Failed to provide competent evidence of ownership Failed to provide a complete chain of assignment Failed to provide the original signed agreement Continued reporting the account to credit bureaus without adequate verification Under Texas Civil Practice & Remedies Code 16.004, the statute of limitations for credit card debt is XXXX years. The company has not provided documentation proving this debt is within the limitations period. I believe Portfolio Recovery Associates lacks standing to collect and may be reporting inaccurate information in violation of the Fair Credit Reporting Act. I am requesting : Full documentary validation Immediate deletion from all credit bureaus if validation can not be provided Written confirmation of investigation results This complaint is submitted in good faith to enforce my consumer protection rights.

Company response to consumer: Closed with non-monetary relief