vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have tried to close my checking and savings accounts, I have tried to make money transfers out of ally into other bank accounts, I have tried to use my debit card to make a purchase but can not. I have spoken to someone at ally they said they would release the hold on my account but they havent. I have money in ally that I cant access.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding a disputed rental debt being collected and/or reported in connection with my former tenancy at XXXX XXXX XXXX XXXX The final move-out statement dated XX/XX/year> reflects an alleged balance of {$4000.00}. However, the amount later claimed increased to over {$10000.00} without proper explanation or supporting documentation. The increase appears to include accelerated rent and other charges added after I was removed from the property on or about XX/XX/year>. The amount reported to the credit bureaus is also different from both the original final statement and the later claimed amount. This inconsistent reporting is materially damaging my creditworthiness. I previously disputed this debt. I also spoke directly with XXXX, who was handling the account through the debt collection agency, and I was assured the account would not be reported to any credit bureaus while the dispute was being reviewed. Despite that, the account appears to have been reported. Court records show the landlord filed for possession only, with monetary claims reserved. No monetary judgment was requested or awarded. The property was also subject to documented housing/code violations affecting habitability. I am requesting full validation, correction, and deletion of any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: DE

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-05 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding the handling of multiple disputed transactions and their denial without a sufficient or reasonable explanation. This matter involves 31 separate transactions with a merchant identified as XXXX, each in the identical amount of {$490.00}, for a total of {$15000.00}. The repetitive and identical nature of these charges is highly irregular and indicative of unauthorized or improperly authorized activity. I filed disputes for these transactions, and Navy Federal never issued provisional credit. My case was closed within 7 days and the only explanation provided in their written correspondence, under reference number XXXX, was that I was charged what I was owed. This statement does not adequately address the nature of my claims. My disputes included : Transactions where the merchant failed to deliver the services promised Navy Federal did not provide a detailed explanation of how each of the 31 transactions was determined to be authorized. They also did not provide any supporting documentation such as IP logs, device identification, timestamps, or merchant-provided evidence to substantiate their conclusion. Additionally, a separate financial institution ( XXXX ) investigated similar transactions involving the same dollar amounts and ruled in my favor, further calling into question the validity of these charges and the adequacy of Navy Federals investigation. Under Regulation E, financial institutions are required to conduct a reasonable investigation and provide the consumer with the results, including documentation upon request. Navy Federal has failed to meet this obligation by issuing a generalized denial without addressing the specific facts, transaction pattern, or evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Northstar Legal Group LLC
State: MN

Complaint narrative:
I have sent Northstar Legal Debt Services numerous emails request a return of my money. Again this morning I sent out this email & it bounced back from 2 of the 3 email address per the company that were previously given to me. They just tell me to reach out to the company directly. I do and it just goes to a message center, saying no one is able to take my calls at this time & to leave a message. No one calls or emails me back. This is the email I send them every few months : 3rd Request~ Good Morning, Everyone with North Star Legal Services . I think this has gone on far too long with this " court case claim '' that you keep saying I have to wait to have my money returned to me. Your company scammed me out of XXXX of dollars only to return less than 1/2 of it. You want to steal from me, take my hard earned money that should have went to clear up my debts! YOU did nothing but add to my debt. This is appalling that a company like yours can get away with such thievery. You are truly a scam. I don't care about the " pending '' court case, I WANT ALL OF MY MONEY RETURNED IMMEIDATELY. I WANT A CHECK ISSUED IN THE AMOUNT OF {$1000.00} TO MY ADDRESS ON THE DOCUMENTS THAT YOU HAVE IN YOUR SYSTEM. Your company preyed on vulnerable people who wanted to work on clearing up their debt only to be scammed out of our hard earned money. I WANT A FULL REFUND IMMEDIATELY! ENOUGH WITH TELLING ME TO WAIT FOR A COURT CASE TO FORCE YOU TO RETURN MY MONEY SINCE YOU DID NOTHING FOR ME. WHY DO YOU THINK YOU HAVE ANY RIGHT TO KEEP ONE CENT OF IT! IMMEDIATE ACTION NEEDED! ENOUGH OF THE GAMES! RETURN MY MONEY & I WILL GLADY GO AWAY! Bounce back from the attorneys that were handling my case until the class action was filed against all shady debt companies : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK

Complaint narrative:
My account with First Horizon Bank was closed due to inactivity. At the time the account was closed, there was a remaining balance of approximately {$2000.00} in the account. Initially, I was able to view the balance through the XXXX XXXX feature, but it is no longer accessible. I am currently residing in XXXX and no longer have access to my account. I have attempted to contact the bank to request information about my remaining funds and how to retrieve them, but I have not received a clear response. I would like to confirm the status of my remaining balance and receive my funds. As I am located outside the United States, I need assistance with receiving the funds, either by reissuing a check or providing an alternative method such as an international transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was notified by wells fargo that my checking account was overdraft by {$39.00}, wells fargo stated reason that there were multiple sales leading to that result, this is not wells fargos standard practice, when one purchase is declined, wells fargo declines that transaction and others following it, this was not what happened in this case here, and there is no one sale that overdraft the account, wells Fargo claims it was multiple because there was not one amount that overdrafted the account, and on my last checking of my account funds the night before, the account had {$41.00} worth of funds in my account, i was notified by a merchant that my attempted purchase was declined when attempting a purchase on the next day with an overdraft of {$39.00} with no reasonable explanation from wells fargo why they did not decline any of the charges or the companies used on my behalf to make the sales transactions, case complaint was filed # 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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my XXXX account that were denied after I disputed them. On XXXX XXXX, I discovered unauthorized transactions on my XXXX account totaling {$850.00}. I did not authorize these transactions, nor did I knowingly permit another person to access or use my account to make them. After discovering the activity, I immediately reported the transactions to XXXX, secured my account by changing my password, and filed a police report XXXX denied my dispute ; however, I do not believe the investigation was adequate. I was not provided with a sufficient explanation or evidence showing that I authorized these transactions. I am requesting : A reinvestigation of the disputed transactions A detailed explanation of the basis for the denial Reimbursement for any transactions determined to be unauthorized I am also concerned about the security of my account and how unauthorized access occurred. I would XXXX to review any login activity, device access, IP addresses, or other indicators associated with the disputed transactions. These unauthorized transactions caused financial harm and significant concern regarding the handling of my claim. I am requesting a fair review and resolution of this matter. Dispute ID - XXXX XXXX XXXX XXXX XXXX There are 15 transactions of {$50.00} to XXXX There is 1 transaction of {$50.00} to XXXX XXXX XXXX XXXX There is 1 transaction of {$52.00} to XXXX XXXX XXXX These transactions occurred on XXXX XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: WI

Complaint narrative:
am filing a complaint against Sezzle regarding a dispute that was improperly handled and closed. I used Sezzle to purchase an item that was marked as delivered, but I never received it. I contacted the merchant ( XXXX ) immediately and was instructed to wait several days. After following their instructions, I was told that my refund would be processed. However, the refund was never issued. The merchant then required a police report. I filed a police report documenting theft, including the item ( front struts ), delivery address, and date and time. I submitted this report multiple times in PDF format, along with screenshots and supporting documentation, exactly as requested. Despite complying with every instruction, the merchant refused to process my refund and claimed the police report was invalid without providing a clear explanation. After submitting the documentation again, the merchant stopped responding. I then opened a dispute with Sezzle and provided all documentation, including the police report and communication with the merchant. Sezzle paused my payments but later closed my dispute without properly addressing the evidence I submitted. I did not receive this item and made every effort to resolve this issue in good faith. I am being held responsible for a charge for goods I never received. I am requesting that Sezzle reopen my dispute, properly review my documentation, and refund or cancel the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Denali Capital Holdings, LLC
State: KY

Complaint narrative:
This company has sent me documents with electronic information with my name on it but nothing with my banking information proving that the money was actually deposited into my bank account! This could have been anyone who filled out these forms! I contacted my banking institution and went over the time frame the company reported the money has been deposited and my bank reports no deposits had been made in that amount in or around that time period! I am asking for documentation of the deposit and what account the money loaned was deposited into! The company will not provide this!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I purchased vehicle at the XXXX XXXX with a down payment of {$3000.00} dollars and paid additional fees for the registration and license plates The vehicle was short out lived in my possession for a short period of time from XX/XX/year> until XX/XX/year> and i volunteered surrender car was still brand new and sold immediately XX/XX/year> for a good price so i was left with charges that exceeded my fiancs so i took it to XXXX XXXX XXXX as a final resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, I made a purchase in person using my Chase business credit card in the amount of {$2800.00} from XXXX XXXX, XXXX in XXXX. The item delivered to me was not what was represented or agreed upon at the time of purchase. I initially filed a dispute with Chase on XX/XX/year>. The dispute was denied on the basis that the transaction was made in person. After the dispute was denied, I pursued the matter with law enforcement. The XXXX XXXX Police conducted an investigation ( Case ID : XXXX ) and concluded that fraud had occurred. The police issued a formal order requiring the merchant to provide a full refund. The merchant has failed to comply with this order and has since closed their business and is no longer reachable. I submitted this new evidence, including the police report and official refund order, to Chase and attempted to have the dispute reconsidered. However, Chase refused to reopen the case and did not properly review the new evidence. I was told the matter was not their responsibility because the transaction was made in person. This is incorrect. The issue is not authorization of the transaction, but fraud, misrepresentation, and failure to provide the agreed goods. Additionally, the transaction history shows a refund followed by a re-bill/adjustment by the merchant, which is consistent with improper or deceptive transaction handling. I am requesting that Chase reopen and properly review this dispute based on new evidence confirming fraud, which was not available at the time of the original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I arrived at a hotel for business travel. At check-in, the authorization from my employer had not yet been processed, so I was required to use my personal Cash App debit card ( ending in XXXX ) authorize the stay. On XX/XX/year>, the authorization was properly submitted by my employer, and the full transaction amount of {$860.00} ( room charges of {$780.00} plus incidentals of {$80.00} ) was transferred to a separate payment method ( XXXX ending in XXXX ). The merchant has confirmed that my stay has been finalized, and documentation reflects a {$0.00} balance, indicating that my personal card should no longer be charged. Despite this, the full amount of {$860.00} remains held as a pending charge on my Cash App debit card. I have contacted Cash App, operated by Block , Inc., multiple times and have received inconsistent and conflicting information regarding when the funds will be released. I was initially told 48 hours, then 510 days, 30 days and most recently up to 60 days. Multiple representatives have acknowledged that the transaction appears void or invalid. I have provided all requested documentation. Notably, in one of the support communications, I was specifically asked to provide proof including the final transaction amount showing a {$0.00} balance, the transaction date, merchant contact information, and the merchants logo. I provided all of this information exactly as requested. Despite this, I was still informed that no action could be taken to release the funds while they did acknowledge that they could confirm the transaction was void/invalid. This delay has caused financial hardship, including putting me at risk of falling behind on essential expenses such as my childs daycare. The amount being held is significant, and I can not reasonably wait 30-60 days for resolution. Additionally, the hotel has confirmed that the charge has been transferred and has offered to communicate directly with Cash App to release the hold. Supporting documentation has been provided. I am requesting immediate release of the held funds and a clear explanation for why this hold has not been removed despite multiple representative and manager confirmation that the transaction is no longer valid. Managers have claimed to escalate my concern because following investigation they note the transaction as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
What Happened I identified a series of transactions on my Capital One account that I did not authorize and/or that involved services not rendered as agreed. In total, I disputed 28 transactions as part of a primary claim, along with two additional matters : a XXXX XXXX XXXX charge and a single XXXX transaction ( {$9.00} ). From the outset, I requested that Capital One properly investigate these transactions under the correct classifications ( fraud and/or services not rendered ), provide any merchant-submitted evidence, and issue appropriate refunds. During the dispute process : - Capital One issued partial credits for 8 of the 28 disputed transactions, while 20 transactions remain unresolved with no clear, itemized status provided. - A separate XXXX charge ( {$9.00} ) was credited promptly, demonstrating that timely resolution is possible when the claim is properly handled. - The XXXX XXXX XXXX dispute was denied, despite concerns that the services were not provided as represented ; this denial remains contested. In addition, my original contact email ( XXXX ) became inaccessible during the investigation. As a result, I may not have received important communications, updates, or determinations related to my disputes. I have since provided an updated email ( XXXX ) and requested that all prior and current claims be consolidated under this active address. Overall, the handling of my disputes has been inconsistent and incomplete. Some transactions were credited, others remain pending without explanation, and at least one was denied without full transparency regarding the evidence relied upon. I have not received a comprehensive accounting of the status of all disputed transactions, nor the documentation used to make these determinations. I am seeking a complete, accurate, and properly classified investigation of all disputed activity, along with full reimbursement where appropriate.

Company response to consumer: Closed with explanation