vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: MN

Complaint narrative:
On XX/XX/XXXX, I was notified that my account balance was below {$100.00}, despite my mother having transferred {$1000.00} via wire the previous day and posting a deposit on XX/XX/XXXX. Upon contacting the bank, I was informed that the account had been closed by the co-owner and that all remaining funds were transferred to their personal account. I had no prior knowledge of this action, as I received no communication from the bank or the co-owner regarding the closure. The co-owner was my guardian when I arrived in the United States as an international student at age XXXX. We parted ways in XXXX and have had no contact since then. I was not aware that the co-owner had not been removed from the account when I turned XXXX. Furthermore, the co-owner has never contributed to this account. The remaining balance, totaling {$1200.00}, consisted entirely of my mothers wire transfer and my personal funds. I requested that the bank cancel the transfer, but I was informed that both co-owners have equal rights and the request was denied. However, throughout this situation, I was denied any of my rights as a co-owner and received no prior notice of account closure or fund transfer.

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 2026-04-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A {$190000.00} loan was created in 2013, approved and dispersed by XXXX XXXX, XXXX XXXX XXXX and Wells Fargo. 64 pages of documents was allegedly read and signed by home owners at unknown location in front of notary. Loan was concluded with a right to cancel document which was signed the XXXX which we are disputing. If this document is not legit then All other documents remains in question.

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 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted LVNV Funding LLC regarding this account. When I offered a settlement, they responded. However, when I requested validation of the debt on XX/XX/year>, including proof of ownership, the original contract, full payment history, and an itemized balance, they failed to provide any response or documentation. This shows they are able to communicate but are ignoring my request for proper validation. Despite this, they continue to report this account on my credit report. This account remains unverified and should not be reported without proper validation. I am requesting this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: TX

Complaint narrative:
I took out a {$750.00} loan and have already paid {$750.00}, exceeding the principal. Despite this, I am still being required to continue payments due to excessive interest charges ( over 600 % APR ). This is causing financial hardship and appears to be a predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

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 XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX 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. As a result of this improper reporting, my credit score has suffered a significant and unwarranted decline. I have maintained a good credit history and have not engaged in any wrongdoing. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ), companies like XXXX XXXX ( called furnishers of information ) are required to : Report accurate and complete information to credit bureaus Not report information they know ( or should know ) is inaccurate Correct and update information if it is later found to be incorrect Notify credit bureaus if an account is disputed If XXXX XXXX reported an account that : You never agreed to Lacks a valid contract or authorization Has not been properly verified Contains inaccurate or incomplete information then they may have violated 1681s-2 ( a ) by furnishing inaccurate data and failing to ensure its accuracy before reporting it. Given these violations and the harm caused, I demand the immediate removal of this account from my credit report. I also reserve the right to pursue compensation for the damages resulting from these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I used XXXX to purchase an item from XXXX in the amount of {$83.00}. The order was marked as delivered, but I never received the item. I contacted both the merchant and XXXX multiple times to resolve the issue and attempted to provide proof, but I was unable to successfully submit my documentation due to technical issues on XXXX side. The issue was never resolved. Despite my efforts, XXXX sent the balance to a debt collection agency ( TrueAccord ). I have since formally disputed the debt with the collection agency. XXXX has refused to investigate the issue or take responsibility for the original transaction and continues to redirect me to the collection agency. This debt is invalid because the goods were never received. I am requesting that XXXX investigate this matter, recall the account from collections, and remove the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Improper guarantor liability and unauthorized use on business credit card I am filing this complaint against Chase Bank regarding a business credit card account for which I am listed as the sole guarantor. I have not been affiliated with the business associated with this account for over 12 years and have had no ownership, operational control, or involvement since that time. The business is a XXXX XXXX that is currently XXXX XXXX and inactive. Despite this, Chase has continued to allow the account to be used by individuals operating the business who added themselves as employees, without my authorization or involvement. I did not authorize these users and did not authorize the charges associated with the current balance. Additionally, the current owner of the business has attempted multiple times to assume responsibility for this account and transfer liability into their name. Chase has denied those requests, leaving me as the sole liable party despite having no involvement with the business or the account activity. After discovering this issue, I made minimum payments for a limited period solely to protect my personal credit while attempting to resolve this matter. These payments were made under duress and should not be interpreted as acceptance of liability. Chase is continuing to hold me liable for a balance that was incurred without my knowledge, authorization, or benefit, while allowing ongoing use of the account tied to a suspended and inactive business entity. I have attempted to resolve this directly with Chase without success and am requesting regulatory assistance. Additional information provided by consumer : XXXXXXXX Consumer states the complaint was filed under the wrong company and requests the company name be updated to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed XXXX transactions on my bank statement {$180.00} & {$640.00}. I contacted Wells Fargo and opens a claim and told them about how I didnt recognize both chargers and how I am going thru a divorce and how it was my ex wife who performed both of the charges to my account. The bank teller person told me she will issues me a new card and submit my claim. I also gave the bank teller my new address so my new card can be sent to my new home address. I then checked my status of claim 2 days later on my Wells Fargo ap and looks like my claim was denied.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: MN

Complaint narrative:
Dispute transaction with a charge of {$1000.00} to XXXX XXXX. XXXX charges were made, so I disputed this on XX/XX/XXXX. Today is XX/XX/XXXX. Without no resolution or any answers if Ill get my funds, they decided to closed the account. I lost XXXX and a closed Creditkarma spend account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX from XXXX ( XXXX # XXXX ) in the amount of {$320.00}. I received only an empty XXXX product box with nothing inside - no glasses, no cables, no accessories. XXXX has refused to issue a refund or replacement. They refused to listen to the deputy who was present with me who was Deputy XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX ( report date was XXXX, XXXX, 2026 ). I contacted Capital One by phone call to report the problem, the agent didn't provide reason as to why they couldn't get the money back and rushed me off of the phone. I received the package on Monday, XXXX, XXXX, 2026, I have reached out to XXXX, who suggested that I go contact XXXX. XXXX has used multiple stories : wait for Investigation in 5 days, then wait for the investigation 6 days, and then that they conclude that their investigation it was theft ) - This is the case of I didn't receive the item I paid for and that I would like either a replacement or refund, none of these options were told to me. Capital One failed to give me any clear explanation for the attempt to file a dispute for non-delivery of exact merchandise. I do not believe the dispute was properly processed, I am requesting that Capital One open a formal dispute and issue a full refund to my debit card for the entire amount charged. I have attached photos here, I am missnig XXXX items that the box should contain multiple items. This was a sealed package, with no signs of tampering, delivered by USPS into my apartment locker. Meaning someone forgot to put the product into the box, which should have been checked before shipment, took my money from my Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I made a dispute and it was found in my favor. Current credited my account then immediately reversed the credit that was applied. Then tried to say the dispute wasn't found in my favor but they emailed and messaged me saying it was found in my favor. Even credited the account to only take it back and then change there story.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I am filing a complaint against Fiserv / XXXX regarding the wrongful termination of my merchant account and the handling of my funds. I have maintained a merchant processing relationship with this company for approximately XXXX years without major issues. On XX/XX/year>, XXXX transactions in the amounts of {$7000.00}, {$13000.00}, and {$5000.00} were processed and approved through their system. These transactions were legitimate wholesale business transactions conducted through my company, XXXX XXXX XXXX. The cardholder referenced in these transactions is my spouse, and all transactions were authorized, documented, and supported by inventory and invoices. After approving the transactions, the company later flagged the activity, held the funds, and instructed me to issue refunds. I complied fully with their instructions and provided all requested documentation, including invoices, business details, and bank statements. However, the company failed to properly communicate, delayed the refund process, and ultimately terminated my account. This caused significant financial harm to my business, including loss of supplier relationships and operational disruption. Additionally, I am concerned that my business may have been reported to the MATCH list without proper justification, which is now preventing me from obtaining payment processing services elsewhere. I am requesting : 1. A full explanation of the account termination. 2. Confirmation of whether I have been placed on the MATCH list and the reason code. 3. Removal of any negative reporting if based on incorrect assumptions. 4. Review of the financial damages caused by their actions. I am willing to provide all supporting documentation to verify that these transactions were legitimate. This situation has severely impacted my ability to operate my business, and I am requesting urgent assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Company Name : XXXX ( PayPal, Inc. ) Case ID Reference : XXXX Subject : Refusal to Release or Recover Accessible Digital Assets ( XXXX on XXXX ) Description : I am filing this complaint regarding {$60.00} in XXXX sent via the XXXX ( XXXX ) network to my XXXX account. Currently, XXXX is retaining these funds and refusing to facilitate a recovery or a return-to-sender transaction, despite having the technical infrastructure to do so. While XXXX previously claimed they could not access these funds because they did not support XXXX tokens, XXXX has since integrated and currently supports XXXX ( XXXX ) infrastructure. Because the funds are sitting in a wallet address controlled by XXXX on a network they now actively support, the assets are no longer " unsupported '' in a technical sense. They are simply being withheld. I have contacted XXXX support multiple times to request that the {$60.00} be either credited to my account or pushed back to the originating wallet address. In each instance, XXXX has acknowledged the funds are there but has chosen not to take the manual steps required to release them. This is not a case of " lost '' funds on an incompatible chain ; this is a financial institution possessing a customer 's assets and refusing to provide access to them despite having the technical capability. Desired Resolution : I am requesting that XXXX either : Credit the {$60.00} XXXX to my XXXX XXXX hub, OR Perform a one-time recovery transfer to return the funds to the original sending address.The Infrastructure exists : Since they have integrated the XXXX XXXX into their app to support their own stablecoin ( PYUSD ), their backend systems are already communicating with the XXXXXXXX XXXX . Recovery is a manual " Send '' : Technically, since the funds are in a wallet address that XXXX controls, a developer or a specialized support tier has the ability to sign a transaction and send those funds back to the original address. They aren't " lost '' ; they are just " unindexed '' in your personal XXXX. 2. Addressing " Unjust Enrichment '' and " Coercion ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
on or about XX/XX/year> the XXXXbank with out my permission withdrawed {$2700.00}, from my bank account that i did not authorize, XXXX bank account XXXX card was XXXX payed in full {$15000.00} upon closing XXXX DID NOT AUTHORISE THE XXXX TO XXXX NOR TAMPER WITH ANY FUNDS IN MY BUSINESS BANK ACCOUNT OR OTHERWISE, THIS IS ALSO IDENITY THEFT FOR THEM TO USE MY IDENTITY TO FALSELY AUTHORISE SUCH WITHDRAW, BECAUSE THEY HAVE ACCESS AND HAS USED MY PEERSONAL INFORMATION IN DOING WITHOUT MY PERSONAL KNOWLEDGE LIKE THEFT- UNAUTHORIZED XXXX AND WITH OUT NOTICE VUIOLATING MY RIGHT TO DUE PROCESS TO BE INFORMED OF SUCH TRANSACTION BEFORE THE CHARGE.

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 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: CA

Complaint narrative:
My Chime account was closed on XX/XX/XXXX. Shortly before the account was closed, the unsecured loan was offered through the same platform. I did not expect that closing my account would prevent me from being able to manage or submit payoff on the loan afterward. After the account was closed, I no longer had access to the platform used to manage and document payments. On XX/XX/XXXX, I attempted to pay the remaining balance of approximately {$100.00} and requested alternative payment methods so I could submit payoff in full. I spent over XXXX hours attempting to resolve the issue and spoke with multiple representatives ( XXXX, XXXX from XXXX XXXX, XXXX from XXXX XXXX, and XXXX ). Despite my willingness to immediately resolve the balance, no alternative payment method was provided. The company later reported late payments to the credit bureaus even though I attempted to submit payoff and requested assistance. Reporting delinquency after refusing to provide a way to submit payment following closure of my account is inaccurate. I am requesting correction or removal of the late payment reporting and instructions for submitting payoff immediately, along with written confirmation once corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
A loan was opened with Mariner Finance on XX/XX/year>. In XXXX of XXXX XXXX XXXX XXXXXXXX, where I was employed, eliminated the training program where I was employed as a XXXX. As a result, I became unemployed and missed XXXX payments. I was in constant touch with Mariner Finance and by the XXXX month I was reemployed and back on track. Since, I have made XXXX consecutive payments and this loan, has always been paid on-time and ahead of schedule. It will be paid of earlier than agreed. My wife and I are considering selling our home and have applied for mortgage loans and we found out that on our credit file this Mariner Loan is recorded as " Account was closed because of charge-off or repossession '' and is listed as " In Collections ''. THIS IS WRONG AND MISLEADING, AND I discovered that this is a deceitful, vengeful reprisal for having been late early in the repayment of this loan. After visiting the Mariner office here in XXXX XXXX and after hours on the telephone they say that I am wrong and that it does not say that on my credit report, even after supplying them a screen shot of the credit entry obtained from the credit union. Additionally, they admitted that it is listed " In Collections '' even though it is not in collections, and even though I have made and they have accepted XXXX consecutive on-time payments, and was told that that reference to being " In Collections '' is the penalty Mariner issues to anyone who is late on a payment. I am told it will stay referenced as " In Collections '' until the loan is paid off. Our loan applications have been denied as a result of Mariners credit reporting practices. I need this loan to be accurately recorded as current and on time immediately. Can you help?

Company response to consumer: Closed with explanation