vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX deposited XXXX checks into my Bank of America account totaling {$8600.00} ( XXXX checks for {$1400.00} each and XXXX check for {$200.00} ). 

Bank of America placed a hold on the full deposit amount and shows the funds will not be available until XX/XX/XXXX. No portion of the deposit was made available, and I was not provided a hold reason/exception category or hold code. 

I contacted Bank of America customer support and requested the specific Regulation CC ( funds availability ) reason for the hold, including the exception hold category and the funds availability notice details, but the representative refused to provide the hold code or reason. 

I am requesting : 1. A written explanation of the specific reason for the hold ( Reg CC exception reason/category ) 2. The funds availability schedule for each check deposit and when funds will be released 3. Immediate release of any portion that should be available under Regulation CC 4. Confirmation that Bank of America is complying with Regulation CC / Expedited Funds Availability Act and providing proper notice This hold is causing financial hardship and I need the funds released or a clear written explanation of the legal basis and timeline.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2026, I advertised my car for sale on XXXX and received an offer, which I accepted. The person sent me a certified check in the amount of {$53000.00}. 

On Thursday, XX/XX/2026, I deposited a check at Wells Fargo only after explicitly telling the teller that I suspected the check might be fraudulent and asking them to verify it before depositing. The teller stated that it appeared valid and proceeded with the deposit. 

The check later turned out to be fraudulent. I did not withdraw or spend any of the funds and did not attempt to benefit from the deposit in any way. I was informed that day, that both my and my wife 's accounts had been frozen and we had no access for deposits or withdrawals. 

Despite the fact that I acted in good faith and relied on Wells Fargos verification, Wells Fargo permanently closed all of my accounts. After hours of phone discussions between bank representatives and the " back office '' nothing was done to rectify the issue and our accounts remain frozen. 

I am requesting that Wells Fargo review this closure, correct any internal or third-party reporting related to this incident, and acknowledge that I acted responsibly by warning the bank in advance and relying on their professional assessment. and, that our funds be released immediately.

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 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the student loan account ( s ) you are reporting under my name and to request a full reinvestigation pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act. 

I request that you provide complete documentation supporting every school you claim I attended and every loan you assert is valid, including but not limited to : The name and address of each educational institution Dates of enrollment for each school Copies of signed promissory notes or Master Promissory Notes Loan origination records Disbursement histories showing amounts paid to each school Current balances and itemized payment histories Records of any deferments, forbearances, defaults, or consolidations The name of the original lender and proof of any transfer or assignment Copies of any applications submitted in my name Proof that the information being reported to the credit bureaus has been verified as accurate If you can not produce this documentation, you must immediately delete the account ( s ) from my credit reports and cease reporting inaccurate information.

This letter is not a refusal to pay, but a request for full validation and reinvestigation of the account ( s ) you are reporting. Any failure to comply with this request or continued reporting of unverifiable or inaccurate information may result in complaints filed with the Consumer Financial Protection Bureau, my State Attorney General, and further legal action.

Please respond in writing within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I deposited a valid cashiers check issued by XXXX XXXX XXXX into my PNC checking account on XX/XX/XXXX. I was initially told the funds would be available within one business day. Instead, PNC placed a hold on the deposit without providing a clear or consistent explanation. 
I have contacted PNC multiple times and received conflicting reasons for the hold. A branch supervisor stated the check could not be verified, despite confirmation from XXXX and my broker that the funds were released and the check is valid. I provided PNC with documentation and verification, yet the hold remains. I was told a written notice was mailed, but I never received it, and the branch was unable to provide a copy upon request. 
This delay has caused significant financial hardship, including loss of essential utilities. I believe the hold was wrongfully placed, not reasonably justified, and that PNC failed to act with appropriate diligence, transparency, or timeliness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I reached out to XXXX regarding the reversal of payments. They reached out to me that there is no specific reason for the payment reversal. So I don't understand why they keep reversing my payments. This is incredibly frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, a dispute on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was resolved in my favor, and permanent credits were issued. Despite this, the funds have not been made available in my XXXX balance. 

Multiple support agents provided conflicting and misleading information, including : Stating the dispute was not found in my favor, even though confirmation emails show otherwise. 
Claiming the matter is still under investigation or can not be expedited, which is legally irrelevant since the dispute was resolved permanently. 
Refusing to provide the exact total owed, compliance/escalation reference number, or written confirmation of transfer. 

I repeatedly requested the immediate release of funds, including exact totals, compliance references, and confirmation of transfer. The company failed to provide any of this information and continued to stall, which I believe constitutes willful non-compliance with federal regulations ( Regulation E 1005.11, EFTA 1693, and Regulation Z 1026 ).

All communications, including live chat transcripts and emails, have been fully documented and preserved as evidence. I am seeking immediate resolution and regulatory review to ensure access to my legally owed funds and investigation of the companys practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: LA

Complaint narrative:
I am filing a complaint regarding deceptive marketing practices related to Credit Karmas refund advance loan.

For multiple years I was advertised this product but deliberately chose not to use it because it required my IRS refund to be deposited into a Credit Karma Money account. This year, because I urgently needed early access to my refund, I relied on Credit Karmas pre-approved messaging and advertised eligibility requirements and changed my filing behavior. 
I was required to open a Credit Karma Money account and file my tax return through Credit Karma in order to proceed. Only after completing these steps was I informed that the lender denied the loan.

I met all advertised requirements, including W-2 income, EITC eligibility , and a valid refund. The denial occurred only after I had already committed to the platform, preventing me from filing elsewhere where I could have pursued other refund advance options. 
I believe the use of pre-approval language combined with mandatory account creation constitutes deceptive or misleading marketing, as it induced reliance while withholding the actual approval criteria. 
I am requesting a formal explanation of how pre-approval is determined, why account creation is required prior to final approval, and what steps Credit Karma is taking to ensure consumers are not misled in the future. 
I was pre-approved for a {$4000.00} refund advance from a {$14000.00} expected refund. I have been filing with XXXX for the past 13 years and have had the same job with the same W2 for the past 4 years, same refund every year ( it's actually increased each year ) I have also never taken out a refund advance before. I was approved pending IRS acceptance. As soon as IRS acceptance was received, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, XXXX fraudulent transactions were charged to my credit card ( XXXX : {$10000.00} ). The transactions appear to be from XXXX " Super checks '' that were sent to me from Wells Fargo without my knowledge or consent, for that matter. I never asked for those checks or saw them. 

I contacted the bank several times to request that the charges be stopped. They provided me with a new credit card and closed the defrauded one ; however, they transferred all the fraudulent transactions to the new card. They also told me that they are investigating the issue. After XXXX  days, they have not provided any satisfactory response to me. It seems to be a straightforward issue to resolve since it is entirely the bank 's mistake. However, I keep getting a boilerplate response that they can resolve the issue in XXXX to XXXX  days, which is unacceptable to me, as the bank is at fault. 

Later, I realized they had posted a balance transfer to my account that I was unaware of. And charged me interest on that balance transfer. ( attached statement screenshot XXXX ) Also, they have charged me an interest fee on my final statement for the old card ( attached statement screenshot XXXX ), even though my online account showed I don't have any amount due, and their representative explicitly told me I do not need to pay my credit card until the issue is resolved. 

The bank also went as far as issuing a credit card statement that includes those fraudulent transactions in it, which is perplexing, as they told me they are investigating those as fraudulent charges ( attached statement screenshot XXXX ) As a result, my credit card balance is over the limit by about {$6000.00}. So XXXX ) I can not use the credit card since it gets rejected. XXXX ) I have been charged with an around {$100.00} fee by Wells Fargo and other charges that I don't understand. XXXX ) My credit scores have dropped by XXXX points. Overall, it has jeopardized my finances, as the credit card was my primary one for everyday activities.

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 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disclaim any association with these accounts and request removal within XXXX  days per USC 1681g.

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 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS ( Klarna ) {$220.00} CFPB Category : Debt Collection Issue ( s ) to select ( check both ) : Information on my credit report is inaccurate Company failed to investigate a dispute I am submitting this complaint regarding inaccurate and unverified credit reporting by Jefferson Capital Systems. This account is reporting as a collection allegedly originating from XXXX. 

I previously disputed this account and Jefferson Capital Systems failed to provide documentation establishing their legal authority to collect or report this debt. No copy of an original agreement, itemized accounting, or proof of assignment was provided. 

Additionally, this account is reporting inconsistent information across consumer reporting agencies, including conflicting dates of last activity and payment history. Reporting inconsistent or unverifiable information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

Because this account remains unverified and inaccurately reported after dispute, I am requesting deletion of this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I've reached out to let the company know that I was scammed with XXXX of those work from home {$350.00} scams, except this scammer got {$510.00} out of me in total. I was promised I would be compensated by the scammer by the company they " work '' for, XXXX XXXX. I did confirm with XXXX XXXX this individual is not an employee there. I've relayed this information to both PayPal and XXXX XXXX after they've both given me advice to contact the seller since my transactions can't be reversed on their end. PayPal couldn't even provide me with contact information for the " vendor '' anyway, but I did attempt to message said " vendor '' to no avail and they still refuse to help me. 

This has been ongoing since XX/XX/XXXX and I've been fighting with them since this incident happened. PayPal refuses to refund me and credit karma refuses to reverse the transactions. My daughter 's birthday is a week away. 

On XX/XX/XXXX at XXXX EST, XXXX " XXXX XXXX '' PayPal account received {$350.00} from me with the message of " Software and Computer '' and then on XX/XX/XXXX at XXXX, " XXXX XXXX XXXX received {$150.00} from me again in the promise of reimbursement. The comment with this transaction was, " time clock and reimbursement '' All of these have been labeled and the total combined amount I would like refunded will be {$510.00} by PayPal. PayPal has said this isn't eligible for a refund given I've sent it as " Friends and Family '' but they are saying even though it was a scammer 's instructions to send it this way, they're unable to refund me my money. 

Please, help make this right for me. I honestly will no longer be using credit karma as a banking service after this. I've lost complete trust in them, their overdraft protection doesn't even work anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a XXXX payment that was sent without my authorization. I immediately reported the incident to Chase and filed a police report identifying it as a XXXX scam, but Chase denied my claim twice and stated the decision is final. 

I allowed the individual at the XXXXXXXX XXXX XXXX station in XXXX XXXX to briefly use my phone only to input their email address because they said XXXX was not available on their device. I did not authorize them to send money or approve a {$500.00} transfer. They returned my phone and told me XXXX was not working either on my phone, and I believed no transaction had occurred. I later discovered that a {$500.00} XXXX payment had been sent without my knowledge or consent. The transfer exceeded the limited permission I gave, and I reported it immediately ( within minutes after the scam ) upon discovering it.

Chase denied my claim on the basis that the transaction was authorized, despite the fact that I did not knowingly approve the payment or the amount sent and was affirmatively misled about whether any transfer occurred. I am requesting review of this determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ENDING BUSINESS RELATIONSHIP BETWEEN ME ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And CAPITAL ONE BANK, N A

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
We have used Robinhood for over 7 Years to trade stocks, use the prediction XXXX and XXXX IRA. We have been asked randomly in-between transactions to verify our Biometric Data, Bank Statements, and information multiple time, freezing our funds in there App. 2 years ago we were banned from trading Crypto but retained our regular stock portfolio. After trying to withdrawl funds they had locked my account pending a review -- siting we need to review my information due to trading crypto, etc -- mind you we have not traded any crypto for years on the account -- in the last 4 months and about XXXX deposited they have asked for my biometric data 3 times. Robinhood will lock you money up, restrict your account from trading stocks that are doing well, and also have some of the highest fees for prediction markets. They will pressure you to sign up as a gold member, they will lock you money up for weeks or hours without any warning. Beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I requested debt validation from BullCity Financial Solutions in XX/XX/2025. The company did not provide validation of the alleged debt, including the original creditor agreement, account statements, or proof of ownership. Despite this, the account continues to be reported on my credit report as accurate. I disputed the account with XXXX and previously filed a CFPB complaint. The furnisher has never validated the debt as required, yet continues to report it, which is inaccurate and harmful.

Company response to consumer: Closed with explanation