vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
I am writing to follow up on a previous identity theft complaint filed with the CFPB against Credit Ninja XXXX operated by XXXX XXXX ). Despite acknowledging receipt of my initial dispute and the submission of supporting documentation, Credit Ninja has failed to take any further action or communicate a resolution. The fraudulent account remains unresolved, with continued damage to my credit and exposure of my sensitive personal data. 

XXXX XXXX for Credit Ninja 2025 Inquiry Date : XX/XX/year> Product Type : XXXX XXXX Amount Requested : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Purpose : Credit Application Channel : Online

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Bank of America Closed My Account Without Notice, Causing Payroll Disruption Dear Consumer Financial Protection Bureau, I am filing a complaint against Bank of America regarding the unexpected closure of my checking account without prior notice, which has directly disrupted my payroll and caused financial hardship. 

Bank of America closed my account on or around XX/XX/year>, without any advance notification, warning, or opportunity for me to take corrective action. This account was actively used for my direct deposit payroll. Because the closure happened without notice, I was unable to update my payroll information in advance. 

As a result : - My salary for the current pay period has been delayed or is at risk of being delayed. 
- I was forced to spend significant additional time communicating with my employer and payroll department to resolve the issue. 
- I experienced financial stress and uncertainty due to lack of access to my earned wages. 
XXXX Bank of America did not explain where my payroll funds were held, how long the return process would take, or what immediate options were available to access my money. 

This situation could have been entirely avoided if Bank of America had provided reasonable advance notice before closing the account, especially considering that payroll income is essential for basic living expenses.

I am requesting : 1. A clear written explanation for why my account was closed.

2. Confirmation of the status and handling of my payroll funds.

3. An apology and appropriate compensation for the inconvenience, delay, and hardship caused by this action.

4. Assurance that Bank of America will improve its procedures to prevent payroll-related harm to consumers in similar situations.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
No proof was given showing that this debt was theirs Spring Oaks Capital LLC debt XXXX $ XXXX XXXXXXXX XXXX XXXX Va. XXXX This has been disputed several times with results saying verified

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
The debt collector served but sent it to the wrong address which was my girlfriends house so now she knows about this. I changed my address months back so I dont know why they would send it to her house and they just left it at the front door. My point is they didnt even make sure it was being delivered to the right person. The collector name is portfolio recovery associates llc

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I attempted to make a payment on my Chime Instant Loan today. I accidently clicked on {$1500.00} instead of {$150.00}. I immediately contacted Chime and explained the error. They stated they can not issue a refund, due to the payment already being processed. I asked for a supervisor who said the same thing, became rude and hung up. I called back with the same outcome. I then called a 3rd time and requested a payment reversal due to error. Again, I explained the accidental payment. I was refused again. I asked for a written explanation for the refusal and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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:
I am a victim of identity theft. A collection account from XXXX XXXX XXXX XXXX ( {$3400.00} ) and several credit inquiries appeared on my XXXX  report. I disputed this multiple times, and although it was temporarily removed, it was later reinserted. I have filed an FTC Identity Theft Report and a police report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested that the credit bureaus block this fraudulent information. Despite providing the required documentation, the credit bureaus have not permanently blocked it and have allowed reinsertion without proper notice. This is a direct violation of 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Request for Assistance Fraudulent Transfer/ Wells Fargo Body : Dear CFPB, I am contacting you to request your assistance regarding a fraudulent transfer of {$700.00} from my Wells Fargo account on XX/XX/year>. 

I previously submitted a claim directly to Wells Fargo ( Case : XXXX ), but it was denied. I am now requesting CFPB intervention, as this transfer was made without my authorization and constitutes fraud and theft. 

During an XXXX ride, a passenger deceived me and abused my trust by asking to borrow my cell phone, claiming she had no internet. While she had my phone, she performed a transfer of money without my consent. 

Immediately after the incident, I : 1. Contacted Wells Fargo to report the transaction as fraudulent ( Case : XXXX ). 
2. Contacted XXXX to report the incident. 
3. Filed a police report ( Case : XXXX ). 

I respectfully request your help to ensure Wells Fargo investigates this case and reimburses the full amount of {$700.00}, as the transfer was made illegally and without my consent. 

I have included all available information and remain available for any additional requirements. 

Thank you very much for your attention and support. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They said I requested a credit line increase too many times and dont do enough business with their company for a credit line increase. I have 100 % payment history and spotless credit habits.

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Barclays Bank Delaware related to a fraudulent JetBlue Barclays credit card account that was opened without my authorization. 

Barclays has acknowledged that this account was fraudulent and that negative credit information was reported in error. Barclays further represented that it sent corrective notification to the credit reporting agencies on XX/XX/XXXX. 

However, I have contacted XXXX XXXX and XXXX and all three have confirmed they never received any correction or deletion request from Barclays. Despite Barclays acknowledgment of error, the account continued to be reported negatively through XX/XX/XXXX. 

Barclays continued furnishing of inaccurate information after knowledge of fraud and error has caused ongoing damage to my credit profile. This has resulted in material financial harm, including adverse impact to an active mortgage refinance and exposure to unfavorable interest rates. 

This appears to be a violation of Barclays obligations as a furnisher under the Fair Credit Reporting Act ( 15 U.S.C. 623 ), including the duty to correct and cease reporting information known to be inaccurate.

I am requesting : 1. Immediate deletion of all negative information related to this fraudulent account from all credit reporting agencies 2. Written confirmation of the correction and the date it was transmitted to each bureau 3. An explanation for why Barclays continued reporting inaccurate information after acknowledging the error 4. Remediation for the financial harm caused by this prolonged inaccurate reporting I am submitting this complaint to ensure timely correction and appropriate accountability.

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 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The ATM took {$1900.00} from me no cash was dispensed. So I filed a dispute on said day of the XXXX of XX/XX/year>. I was told to wait 10 days for a provisional credit + an additional 45 days for an investigation. I am currently experiencing financial hardship that was all the money I had to get me to the next pay check and there were still some bills that needed to be paid. I need the provisional credit immediately because this delay is causing financial harm.

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 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
Company name : XXXX XXXX Department of Education XXXX XXXX XXXX XXXX ) Product : Student loan Issue : Incorrect information on credit report Problem with credit reporting companys investigation I am filing a complaint regarding inaccurate and misleading credit reporting by XXXX in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Aidvantage is furnishing multiple student loan tradelines to consumer reporting agencies that are reported as paid, closed ; paid as agreed, while simultaneously reporting historical delinquency information ( including XXXX late markers and X status codes ). 

This reporting is materially misleading and internally contradictory, in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information that is inaccurate or misleading. 

Additionally, several of the reported delinquency periods occurred during times when my federal student loans were subject to deferment, administrative forbearance, or federally mandated payment pauses, during which late reporting is not permissible. 

XXXX has also failed to provide documentation establishing that each tradeline represents a distinct, legally enforceable obligation supported by a separate promissory note. The reporting appears to be fragmented or duplicative. 

I submitted a direct dispute under FCRA XXXX ( a ) ( XXXX ) requesting : Original signed promissory notes Complete itemized payment histories Documentation supporting the reported delinquency dates Proof of authority to report each tradeline XXXX has failed to adequately investigate and correct the inaccuracies. 

I am requesting that the CFPB require Aidvantage to either : XXXXProduce full documentary verification supporting the accuracy of each tradeline, or 2.Request deletion of the inaccurate student loan tradelines from all consumer reporting agencies.

I am also requesting that this complaint be forwarded to the Department of Education for review.

Desired Resolution : Correct inaccurate information Remove inaccurate information from credit report Provide documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank restricted and interfered with my account after I filed a complaint with the CFPB. Shortly after reporting them, my account was flagged through XXXX XXXX XXXX  even though the account was paid and no longer negative. Because of this, I was denied when attempting to open a new account at another bank ( XXXX XXXX XXXX  ), which directly impacted my ability to access normal banking services. 

Regions did not notify me in advance that they would report or flag my account through XXXX XXXX, nor did they explain why this was done after my CFPB complaint. This appears to be retaliation for exercising my consumer rights. 

Additionally, my access to banking services has been disrupted, including account restrictions and negative reporting that is no longer accurate. The account balance issue had already been resolved, yet Regions still caused harm to my banking history and ability to open new accounts.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a text message from Wells Fargo if I recognized and authorized a transaction for {$2100.00} at XXXX on card number ending in XXXX and to reply yes or no. I replied no. Wells Fargo text service then responded with invalid command, call XXXX for assistance. Reply help for more information or reply stop to stop receiving texts from XXXX. 

After getting that message, I checked my bank account to just make sure that the transaction had been stopped. And that's when I realized that it had not. I noticed the transaction was attempted, immediately reversed, and then attempted again at which point that second attempt did go through. I immediately called Wells Fargo XXXX department to file a fraud claim. They went ahead and started processing that. In the middle of that call, I checked my bank account again and noticed another additional transaction also at XXXX. This time it was for {$1400.00}. And while on the call with the fraud claims agent, I let them know. When speaking with the agent, I also informed them of the text message and the failure on Wells Fargo 's end to stop the transaction when I replied XXXX. 

Since then, Wells Fargo has investigated and decided to close my claim and has found no errors, apparently, and has not reversed the charges, even though I clearly did not authorize them and I attempted to not authorize, to stop them from being authorized by replying XXXX. But clearly the failure here was not on my end, it was on Wells Fargo and they allowed the transactions to go through and now they are withholding my money, all {$3600.00}.

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 2026-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Solutions, LLC (KY)
State: KY

Complaint narrative:
My hospital sold a medical debt to the company XXXX XXXX. For approximately XXXX year I made payments of {$100.00} per month. The company then began to ask me to increase my monthly payments, which I could not afford. However eventually I agreed to increase my monthly payment to {$120.00} per month and kept this arrangement for approximately XXXX months ( until present, as of XX/XX/XXXX ). I was contacted on XX/XX/XXXX by a representative who identified himself as XXXX. He asked to update my debit card information because it had expired. I updated the information and paid my monthly payment of {$120.00} at that time. He then informed me that during tax season they wanted a bigger lump sum payment in order to continue a payment plan. XXXX then asked me about how much I receive in tax returns. I informed him it isnt the same every year but approximately {$3000.00}. XXXX then told me that if I lied about the amount I received in tax returns that it could result in the company increasing my monthly payments without my consent. He also suggested that the company could verify my tax return and they would be charging my bank account for {$3000.00} on XX/XX/XXXX but I could ask for an extension if I had not received my tax return as of that date. It wasnt until after the call that I realized that I had been lied to about the companys ability to verify or intercept my tax return without a court order. My family lives on a tight budget and our tax returns are used to pay off credit cards and for emergency repairs of our home and automobiles. Without our tax return my family could struggle financially throughout the entire year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I signed up to get a bank for my check from work and I didnt have a id it was working the first day I got my check it was all good and I finally received my debit card and they refused to let me get my funds saying I needed a government issued id. Mind you I never owned a id but I gave them forms from the patriot act they still refuse to release and unfreeze my funds its been XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
I am filing this complaint as an escalation regarding Complete Credit Solutions for account XXXX. This complaint concerns continued negative credit reporting after notice of dispute and constitutes new violations. 

I disputed this account because the information being reported is inaccurate and can not be verified, I requested debt validation and account documentation. Complete Credit Solutions Failed to provide proper verification, including proof of ownership, a complete account history, or documentation establishing consumer liability.

Despite the lack of proper verification, Complete Credit Solutions continues to report this account and has caused negative credit reporting indicating the dispute was resolved. Reporting or maintaining negative information without conducting a reasonable investigation violates the Fair Credit Reporting Act. 

This continued reporting of unverifiable information is inaccurate and causing ongoing harm. I am requesting deletion of account XXXX from all consumer reporting agencies, removal of any dispute resolved remarks and written confirmation that the account will not be reinserted without full compliance with federal law.

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 2026-01-30 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: Block, Inc.
State: WI

Complaint narrative:
I experienced a missing transfer involving Cash App. A payout that was supposed to be delivered to my Cash App account never arrived, even though the sending platform marked the transaction as completed or PAID. My financial institution confirms that no deposit was received, pending, posted, or rejected. I contacted Cash App requesting the processorlevel transfer details required to trace a missing payout, including the transfer method, processor name, processor transaction ID, release timestamp, disposition code, and confirmation of the destination account. Cash App did not provide this information. Without these required details, my bank can not locate or trace the missing transfer. I am requesting CFPB assistance to compel Cash App to provide the processorlevel documentation and to resolve the missing funds.

Company response to consumer: Closed with explanation