vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2025, I purchased an item on XXXX using Cash App for {$42.00} The seller XXXX  marked the item as shipped, but it was shipped untracked and never arrived. 

I XXXX  attempted to open a return request on XXXX, but the seller denied it, claiming I ordered the wrong item, even though the item was never delivered. I then attempted to open a dispute through Cash App, providing screenshots of the XXXX order, the sellers lack of tracking, and the XXXX case closed message. 

Despite clear evidence that the item was never received, Cash App closed my dispute and denied my request for a refund. The seller has not responded or provided proof of delivery. I have lost {$42.00} due to this untracked shipment and unfair handling by Cash App and the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am an attorney at XXXX. I have a Paypal Business Account. I have been with paypal for many years. I recently about a month ago did XXXX XXXX XXXX XXXX XXXX XXXX  and my Paypal account was listed with XXXX for acceptance of my payment totaling {$2200.00} usd. Paypal down my account stating irregularity but did not state what the irregularity was. XXXX sent the fund to Paypal but the account from which I am now permanently restricted shows a zero balance. I contacted customer service and they said they could not discuss with me why my account was permanently limited. This has causes a major disruption in my law practice in terms of accepting payments. I did nothing wrong and Paypal permanently shut my account without any explanation after I queried them on the matter. I am requesting a full investigation by the cfpb and also for Paypal to state the reason they wanted to permanently limit my account and for them to restore my account. I believe their reason is bogus. XXXX XXXX XXXX XXXX XXXX XXXX  and I use Paypal quite a bit foXXXX XXXX XXXX XXXX XXXX pay via the Paypal method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a personal check of {$2000.00} into XXXX Bank of America account in XXXX XXXX but XXXX received the funds. 

The deposit was made on Friday, XX/XX/year>. Per Regulation CC ( XXXX and XXXX ) and the XX/XX/year> inflation adjustments, the first {$270.00} was required to be available on Monday, XX/XX/XXXX, and the full remaining balance no later than Tuesday, XX/XX/XXXX. As of today, XX/XX/XXXX, these funds remain inaccessible

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 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: HI

Complaint narrative:
On XX/XX/XXXX, I experienced fraud through a fraudulent XXXX XXXX  that was accepting donations and I donated XXXX XXXX  and they pulled {$3500.00} from my account. I reported this fraud day of before the money was even pulled through or posted it was still pending. I was told by my banking agent through an online chat that I did not need to freeze my card. It would be better to just cancel my card and that the pending charges would not go through for the {$3500.00} and IOn XX/XX/XXXX, I experienced fraud through a fraudulent XXXX XXXX  that was accepting donations and I donated XXXX XXXX  and they pulled {$3500.00} from my account. I reported this fraud day of before the money was even pulled through or posted it was still pending. I was told by my banking agent through a online chat that I did not need to freeze my card. It would be better to just cancel my card and that the pending charges would not go through for the {$3500.00} and I would still have my money. When I went to look on XX/XX/XXXX, the payments were still pulled from my account even after I was told they would not be. I called the security line and they told me there was nothing they could do and that the assistant on the chat service was confused and they gave me the wrong information when it came to these pending charges not being pulled. They said that between 10 and 90 business days would be when this might be resolved, which is not good for me. I told them this is not right because I was told day of before. The money was even pulled that it would not be taken out of my account yet it was still pulled for my account even after canceling my card and after being told that I did not need to freeze my account. They advised that it would be better to not freeze my account but to cancel my card. I went to the chat again after the phone call and was told the same thing and was met with condescension and dismissive words that were not helpful at all to my case and was told that I could call the number again, but I would hear the same script that they give. This is with SoFi banking, and I am appalled and frustrated that this is not being taken more serious, and that I was told that my money was not going to be pulled when my charges were pending, and it was still posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Beyond the legal violations, this situation has caused me significant personal distress. The constant stress of seeing an illegitimate mark on my credit report has kept me up at night, fearing for my financial future and my family 's stability. I have spent countless hours trying to resolve this, feeling ignored and bullied by a company that refuses to acknowledge my rights. This unfair burden has taken a toll on my mental well-being and my ability to move forward with my life. 

According to the [ FDCPA ] ( XXXX XXXX XXXX  ), I am entitled to compensation for these violations. My rights have been clearly violated, and I demand this account be removed immediately to end this emotional and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b'Formal Complaint Regarding Closed Credit Account Handling\nDispute of JP Morgan Chase Banks Procedures and Legal Actions\nJP Morgan Chase Bank Attn: Customer Relations Department , XXXX XXXX XXXX XXXX XXXX XXXX XXXXnCapital One: General Correspondence , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nDate: XXXXnSubject: Formal Complaint and Dispute  Closed Credit Account, Charge-Off, and Legal Proceedings\nTo Whom It May Concern:\nI am writing to formally dispute and express my concerns regarding JP Morgan Chase Banks handling of my closed credit account (Account No.XXXX Date XXXX XXXX Date XXXX XXXX  Date XXXX, which was designated as a charge-off. My attempts to obtain a 1099-C tax document for the charged-off account were denied, despite my clear and repeated requests. Subsequently, the account was transferred to an attorneys office, where I was threatened with the necessity of establishing a payment plan under duress.\nThroughout this process, I requested detailed information regarding the attorneys authority and the chain of command for the collection efforts. My inquiries were not adequately addressed, leaving me without a clear understanding of the legal basis and representatives involved. Furthermore, I was served with a lawsuit but did not receive proper notice to appear in court, which resulted in a default judgment being entered against me without the opportunity to defend myself.\nPrior to these actions, I made several attempts to negotiate a lower payment due to documented illness and significant financial hardship. These proposals were refused, and during this period, I was terminated from employment while on disability, further compounding my inability to resolve the matter.\nGiven these circumstances, I respectfully request that JP Morgan Chase Bank review the handling of my account, the denial of the 1099-C tax document, the transfer to legal counsel without proper communication, and the subsequent legal actions taken. I urge the bank to provide a clear explanation of the process, reconsider the default judgment, and address the lack of transparency and due process in this matter.\nDesired outcome for cases, for these judgements to be overturned and all issues be resolved properly.\nPlease respond in writing within XXXX  days of receipt of this letter. I expect a thorough review and resolution of these issues in accordance with applicable laws and fair banking practices.\nSincerely,\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A fair resolution would be the removal of this charged-off Capital One account from my credit report, as it is continuing to negatively impact my credit despite being charged off. I am requesting deletion or correction with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Got an email from XXXX XXXX stating Harris and Harris reported on XX/XX/year> that I owe {$180.00} apparently it was opened on XX/XX/year> and I have no idea who this is or owe anyone {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Immediate Removal of Unauthorized Account Jefferson Capital Systems , LLC To Whom It May Concern, I am submitting this complaint to formally dispute an account associated with Jefferson Capital Systems , LLC that appears on my credit profile and that I do not recognize. I do not recall applying for this account and was unaware of any related charges or loan activity prior to seeing it reported. 

Company : Jefferson Capital Systems , LLC Phone Number Listed : XXXX Loan ID : XXXX Purchase Price / Total Amount Reported : {$380.00} Interest Rate : 0.00 % APR This account was opened and reported without my knowledge or authorization. I did not apply for this loan, did not consent to any agreement, and did not receive or benefit from any funds related to this account. 

Because this account is unauthorized, its reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed immediately from my credit report and that all related negative reporting be deleted. 

This inaccurate account is causing harm to my credit profile, and I respectfully request prompt investigation and correction. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was contacted by a collection agency that purchased my USAA AMEX. I sent a debt Validation letter and a cease and desist and the information is still reporting on my credit report.

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 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX requested pay off quote the lien amount was {$390000.00} instead of {$270000.00}. It looks like none of the monies paid were applied to the principal balance. It is now XX/XX/XXXX, Ive paid my mortgage for approximately XXXX  years, initially I borrowed {$400000.00} and I still have an outstanding balance of {$390000.00} at the end of XXXX. Please help me to look into this matter. There is no way after XXXX  years I still owe close to the same amount. 
I did have a lapse in payment for a year in XXXX, however I had a modification and the amount lapsed was forgiven. 
I will attach all supporting documents. 
I did request a payment history and Loan document which i will receive in XXXX  days, i will upload this later

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I formally disputed the XXXX charge-off account listed on my Equifax credit report. Despite this dispute, Equifax continues to report materially adverse information without possessing or reviewing competent, primary-source documentation required to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) .Neither Equifax nor NFCU has produced or demonstrated review of a signed contract or application establishing legal liability, a complete, itemized payment history substantiating the charge-off, a verified and accurate Date of First Delinquency ( DOFD ) compliant with 15 U.S.C. 1681c, Evidence of a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Equifax appears to rely solely on automated e-OSCAR responses or furnisher attestations, which do not meet the statutory standard for a reasonable reinvestigation. Method of Verification Failure, I demanded the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including :, The method used to verify the account, The name and title of the individual who verified it, the documents reviewed, This information has not been provided, constituting an independent FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The account information reported is inaccurate and inconsistent across consumer reporting agencies and can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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:
I have a checking account with Chime, which has its banking services provided by XXXX XXXX XXXX. I have a virtual card and physical debit card associated with this account. In XXXX of XXXX, there were XXXX unauthorized transactions all labeled " Apple.com/Bill '' resulting in withdrawals ranging from {$30.00} to {$50.00}. My physical card was charged, even though I do not recognize these transactions at all. The XXXX account I use does not show purchases that correspond with these amounts or dates. 

I called Chime 's customer service on XX/XX/XXXX and disputed the charges. I had to make XXXX disputes since the first representative did not include all of the fraudulent charges I referenced. The first dispute has XXXX charges, and the second has XXXX. On XX/XX/XXXX the first dispute was denied, and on the XXXX the second one was also denied. 

The transactions are as follows : {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Company reopeaned an old account but refused my payment. Im offering XXXX dollars a momth and they wont accept

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Most of these additional student loans were taken out not by me. XXXX XXXX XXXX allowed student to fax a copy of an ID with a request for additional funds and it would be deposited into an account. I never authorized additional funds to be given and I can't get anywhere with NELNET they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint regarding the unexplained closure of my Cash App account. 

My account was permanently deactivated without any prior warning, notice, or explanation. I received a generic statement that I allegedly violated the Terms of Service, but Cash App has refused to identify what specific term was violated or what activity triggered the closure. My appeal was denied without any clarification.

My use of Cash App was minimal and lawful. I primarily used the platform for small, routine peer-to-peer transactions, such as sending my minor daughter {$20.00} {$30.00} for lunch, food, or personal care needs. I did not engage in large transfers, business activity, cryptocurrency usage, or suspicious transactions. I do not use Cash App as a primary banking service.

I was able to withdraw my remaining funds ; however, the lack of transparency and refusal to provide written clarification is concerning. I have never been accused of wrongdoing, and no opportunity was given to address or correct any issue.

Additionally, I recently became aware that my adult daughters Cash App account had been closed. She informed me that her account may have previously been sponsored while she was a minor and not properly converted. If this is related to my account closure, I was never notified or informed of any policy violation or corrective action needed.

I am requesting : 1. Written clarification identifying the specific Terms of Service allegedly violated 2. Confirmation of whether my account closure is linked to another users account 3. A review of the decision for possible account restoration The complete lack of transparency, warning, or explanation has caused confusion and concern. I am requesting regulatory assistance to obtain clear communication and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I hear they have XXXX counts under my social security number.I 'd like to know why I like to figure out why there's so many people using my account.I should only have XXXX account.There 's eleven accounts.I 'd like to know what's going on.And they won't talk to me

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 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, PayPal and the card issuer both issued refunds for the same transaction, creating a duplicate refund. 

On XX/XX/XXXX, the card issuer completed its review, approved my case, and cancelled the PayPal refund because it was a duplicate. This reversal returned the funds to PayPal and temporarily brought my PayPal balance to XXXX, confirming that PayPal was made whole. 

Despite this, from XXXX until last week, PayPal continued to show a negative balance on my account. I contacted PayPal multiple times requesting an explanation of the negative balance, confirmation that the duplicate refund had been reversed, and clarification of the ledger status, but I did not receive a clear or consistent response. 

Last Sunday, PayPal closed my case without correcting the ledger and transferred my account to a third-party collection agency, XXXX ( XXXX ). 

I have formally disputed the debt with the collection agency. This balance is not valid and resulted from a duplicate refund that was already reversed. I am requesting that PayPal correct its internal ledger and recall the account from collections.

Company response to consumer: Closed with monetary relief