vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am submitting a formal complaint against Navy Federal Credit Union regarding unauthorized internal transfers and account actions that interfered with access to my funds and caused financial harm during an active XXXX  XXXX bankruptcy case. 
Bankruptcy Case Information : Chapter : XXXX  XXXX Court : United States Bankruptcy Court, XXXX XXXX XXXX Virginia Filing Date : XX/XX/XXXX Case Number : XXXX The automatic stay under XXXX1 U.S.C. 362 is in effect. Despite this, Navy Federal processed account actions that appear consistent with improper collection/setoff activity and/or unauthorized account manipulation. 
Timeline / Evidence ( from my Navy Federal transaction history ) : XX/XX/XXXX : Salary/Regular Income from Social Security Administration posted as an XXXX Credit with the description Deposit XXXX XXXX XXXX XXXX Sec XXXX XXXX amount of {$660.00}. These are federally protected Social Security benefit funds. 


XX/XX/XXXX : I personally made an ATM XXXX in the amount of - {$140.00} ( authorized by me ; receipt available ). The balance reflected {$8.00} afterward. 


XX/XX/XXXX : Navy Federal processed unauthorized internal transfers between my accounts that I did not authorize, including : Transfer To Savings XXXX in the amount of - {$510.00} ( I marked this Not authorized ) Transfer From Savings in the amount of + {$500.00} ( I marked this Not authorized ) These transactions were not properly labeled or explained beyond the word Transfer, and they caused me to lose access to funds needed for basic necessities. The transfers are also inconsistent and do not match dollar-for-dollar ( a difference of {$8.00} ), which further supports that my account has been manipulated or restricted without clear disclosure. 
I am also concerned that Navy Federal interfered with federally protected Social Security benefits, which are protected under 42 U.S.C. 407 ( a ). 
Requested Resolution : Immediate investigation into the unauthorized transfers dated XX/XX/XXXX Supporting Documentation Available : Bankruptcy Notice of Filing ( Case No. XXXX ) Screenshots showing SSA deposit details ( XXXX XXXX, {$660.00}, XX/XX/XXXX ) Screenshots showing Transfer To Savings XXXX ( - {$510.00} ) and Transfer From Savings ( + {$500.00} ) on XX/XX/XXXX marked Not authorized Screenshot showing ATM Withdrawal - {$140.00} on XX/XX/XXXX XXXX XXXX XXXX for the {$140.00} deposit ( authorized withdrawal )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Complaint Narrative : I am a 100 % total and permanent XXXX military veteran and co-signer on Loan # XXXX. I am filing this complaint because Navy Federal Credit Union ( NFCU ) failed to secure collateral after the primary borrower voluntarily surrendered the asset in XXXX XXXX. 

This was a high-value asset loan, originated in XX/XX/XXXX for approximately {$130000.00}, secured by a XXXX XXXX XXXX XXXX XXXX ( approximately XXXX lbs ). The primary borrower provided NFCU with the vessels exact location and confirmed the marina had proper yard assist equipment capable of moving the boat. Despite this, NFCU dispatched a standard automotive trailer that was physically incapable of transporting the vessel. After this failed attempt, NFCU abandoned recovery efforts entirely.

Negligence and Harm to Co-Signer : As a direct result of NFCUs failure to take possession of the collateral : The vessel has become a total loss due to nearly five years of neglect.

The marina has accrued approximately {$30000.00} in storage and lien charges, which I am now being threatened with personally.

Despite NFCUs negligence, I have continued making payments solely to protect my credit. NFCU had a clear duty to mitigate damages in XXXX and failed to do so. By abandoning the asset, NFCU materially impaired the collateral securing the loan.

Resolution Requested : Immediate Discharge of Loan : I request the loan be
discharged and reported as Settled/Paid effective XX/XX/XXXX. I should not be held liable for a debt where the lender refused to take possession of the collateral when it had substantial value and was in good standing with the marina.

Full Loan Audit and Records Production ( XXXX XXXXPresent ) : Between XX/XX/XXXX and XX/XX/XXXX, I made multiple calls to NFCU seeking assistance and alternatives but was repeatedly told they could not discuss the loan because I was not the primary borrower, despite being financially liable as co-signer. I also made several in-person visits to NFCU branches in XXXX, Virginia, where managers acknowledged the situation and stated notes had been added yet subsequent visits showed no record of those discussions.

I formally request full production of : All audio recordings from XXXX XXXX confirming NFCUs agreement to retrieve the vessel, All dispatch orders and communications between NFCU and its third-party repossession agency, All internal servicing notes related to the collateral recovery failure.

This matter reflects gross negligence, improper servicing practices, and failure to protect a co-signers rights. I respectfully request CFPB intervention. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I paid the amount owed to LVNV services in full, its still showing on all 3of my credit reports. I would like it UPDATED AND REMOVED PROMPTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing in response to your reporting of the above-referenced account on my consumer credit reports. This letter is not an acknowledgment of liability or ownership of the alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor ; 2. Documentation bearing my signature showing I agreed to the alleged debt ; 3. A complete payment history and an itemization of the amount claimed, including interest, fees, or other charges ; 4. Proof that LVNV Funding LLC has the legal right to collect this debt, including a full chain of assignment ; 5. The date of default and date this debt was acquired by your company.

During the validation period, you must cease all collection activity, including credit reporting. If you are unable to validate this debt, you are required to delete any reference to it from all consumer reporting agencies. Please note that reporting unverifiable or inaccurate information may constitute violations of the FDCPA and FCRA. I expect your response within the time period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I disputed the information that ChexSystems is reporting about a former XXXX XXXX XXXX debit account. ChexSystems responded by stating that they pulled the information from XXXX and everything was correct. This is not a valid verification under the FCRA. 

XXXX is a thirdparty data aggregator, not the original furnisher of the information. ChexSystems is required under FCRA 611 to conduct a reasonable reinvestigation and verify the information directly with the reporting financial institution. They did not do this. 

I also filed a complaint against XXXX XXXX XXXX. XXXX XXXX did not provide any documentation or validation. The CFPB closed that complaint and forwarded it to the FTC because XXXX XXXX failed to cooperate or provide proof. This means the furnisher did not validate the information. 

ChexSystems did not : Provide documentation from XXXX  XXXX XXXX Provide the method of verification Provide the source of the information Verify the accuracy with the original furnisher Conduct a reasonable reinvestigation ChexSystems relied solely on XXXX, which is not a legal source of verification and does not satisfy FCRA requirements.

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 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX Re : Account Number : To Whom It May Concern, I am writing in response to your communication dated XX/XX/XXXX regarding the alleged debt referenced above. This letter is not a refusal to pay, but a request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following documentation : 1. The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges.

2. The name and address of the original creditor.

3. A copy of the original signed agreement or contract that proves I am legally obligated to pay this debt.

4. Proof that you are licensed and authorized to collect debts in my state.

5. Documentation showing that this debt has not expired under the applicable statute of limitations.

6. Proof that you have the legal right to collect this debt, including any assignment or bill of sale. 

Until you provide the requested validation, you must cease all collection activity, including reporting this account to any credit reporting agency. If this account has already been reported, it must be marked as disputed in accordance with federal law. 

If you are unable to provide proper validation, please confirm in writing that this matter is closed and that any reference to this account has been removed from my credit reports. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a business owner with irregular income disbursements. Since the inception of this loan, I have contacted Wells Fargo consistently, almost monthly, to correct the payment schedule. Specifically, I called four separate times over the last XXXX months to align my due date with my income to ensure timely payments. Each time, representatives refused this reasonable administrative request, citing a rigid '10-day policy ' or technical limitation, despite my account being in good standing. 
Because Wells Fargo refused to allow me to administratively secure my account, a payment was missed. I attempted to cure this default on XXXX XXXX in good faith, but was unable to do so due to the same servicing friction. 
I am currently in the closing process for a home purchase. This single XXXX late mark, caused by Wells Fargo 's refusal to accommodate a proactive customer, is causing imminent and irreparable harm by jeopardizing my mortgage. I requested a supervisory callback on XX/XX/year>, was promised a XXXX turnaround, and have been ignored. I am requesting an immediate Goodwill Deletion of the late mark due to Servicing Failure and administrative obstruction.

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 2026-01-25 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: IL

Complaint narrative:
XXXX  has frozen my account and restricted access to my funds while claiming they are verifying my identity. I submitted my identification as requested. Since that time, XXXX  has failed to provide any timeline, resolution, or meaningful communication. 

I have escalated this issue multiple times through XXXX  support. Each time I am told it is under review, but no one responds, no case manager is assigned, and no decision is provided. My funds remain inaccessible. 

This is not a fraud investigation. This is a XXXX identity verification delay that XXXX  is using to indefinitely hold my money without justification. 

XXXX is acting in violation of : The Electronic Fund Transfer Act Consumer Financial Protection laws Money transmitter regulations requiring timely access to customer funds There is no lawful basis for XXXX to hold customer funds indefinitely once identity has been submitted. 

XXXX has provided : No written determination No timeframe No compliance officer contact No appeal process This is causing financial harm because I can not access my money for living expenses. 

I am requesting immediate regulatory intervention to force XXXX to either : XXXX. Release my funds XXXX. Or Access to my wallet XXXX can not lawfully freeze consumer funds without due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX - Date Opened : XXXX Balance : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
This complaint is related to and supplements a previously submitted CFPB complaint regarding Chime and XXXX. I am submitting this complaint because I was unable to add additional information to the original complaint through the CFPB portal. 

Repayments to my XXXX Line of Credit balance began around XX/XX/XXXX, although my earliest screenshots showing the repayment transactions are from XX/XX/XXXX. Despite this, Chime used funds from my Checking account before the policy change that took effect on XX/XX/XXXX. 

At the time these repayments occurred, none of my accounts were closed, including my XXXX XXXX ( Secured Deposit ) account. Chimes XXXX Line of Credit statements and agreement language in effect at that time state that repayments are made from the Secured Deposit ( Credit Builder ) account, and that funds from the Checking account are used only if the XXXX XXXX account is closed. That condition did not apply to me. 

Additionally, Chime later sent a notice stating that starting XX/XX/XXXX it would begin using any deposit into the Checking account, not just direct deposits, to repay XXXX  for Credit balances. This indicates that such authority did not exist prior to that date. 

Despite this, Chime used deposits from my account to repay XXXX  prior to XX/XX/XXXX, which I believe was inconsistent with the agreement terms in effect at the time and was not properly disclosed or authorized. 

I requested clarification from Chime about why my Checking account funds were used when my XXXX XXXX account was still open, but they did not provide this information. 

I requested clarification from Chime about why my Checking account funds were used when my XXXX XXXX account was still open, but they did not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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
State: CT

Complaint narrative:
I am filing this complaint against PayPal , Inc. for its failure to honor its Purchase Protection policy, its refusal to consider material evidence, and its improper handling and denial of a consumer dispute, resulting in direct financial harm to me. 

On XX/XX/XXXX, I completed a purchase on XXXX for {$180.00} for an automotive part using PayPal as the payment method. Upon receipt, the item was materially not as described and was incompatible with my vehicle, rendering it unusable. 

On XX/XX/XXXX, I timely opened a return request with XXXX. After reviewing the claim, XXXX instructed me to return the item using a prepaid shipping label they provided. I fully complied with these instructions and shipped the item back promptly. At all relevant times, the return shipment was active and in transit. 

On XX/XX/XXXX, XXXX closed the return case without merit while the item was still in transit and refused to issue a refund, despite my full compliance with its return requirements. 

As a result, I initiated a dispute with PayPal on XX/XX/XXXX pursuant to PayPals Purchase Protection policy. I submitted all requested documentation, including return tracking information and evidence demonstrating that the item was significantly not as described and that the return was properly initiated and completed in accordance with the merchant platforms instructions. 

Despite this, PayPal denied my claim without conducting a fair or reasonable investigation. PayPal failed to appropriately review or give due consideration to the evidence provided, including the return tracking data, and issued a denial that is inconsistent with the terms of its own Purchase Protection policy. Under that policy, consumers are entitled to protection when an item is significantly not as described and is returned as required.

PayPals refusal to honor its stated consumer protections has resulted in financial loss, as I no longer possess the item and have not received a refund. I believe PayPals actions demonstrate deficient dispute resolution practices and a failure to meet its obligations to consumers. 

I am requesting that PayPal : 1. Reopen and conduct a proper review of my dispute ; 2. Apply its Purchase Protection policy as written ; 3. Issue a full refund for the transaction.

If this matter is not resolved, I intend to escalate this issue by submitting complaints to my State Attorney Generals Office and the Federal Trade Commission, as PayPals conduct raises concerns regarding unfair and deceptive practices and inadequate consumer dispute handling. 

Thank you for your attention to this matter. I respectfully request the CFPBs assistance in ensuring PayPals compliance with applicable consumer protection standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had unauthorized transactions on XXXX XXXX all of them I dont even have XXXX XXXX on my phone so I dont know how thats possible

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
So all my accounts got compromised and Cash App is the only XXXX that want reimburse the money that was taken in the transactions because they turned it into bitcoin but it was money in my account before that they took XXXX and XXXX they just keep closing my case without reaching out or doing anything when Ive showed them proof from the other banks that fraud was happening and that they reimbursed me for the charges and they keep telling me they cant do anything and XXXX not getting my money back and it supposed be be insured they havent done half the things the other bank did to help me in this matter and they have now closed XXXX of my cases so figured I would reach out thank you for your time!

Company response to consumer: Closed with explanation