vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: IN

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : Urgent Fraud Complaint Unauthorized Skrill Account Access and {$3600.00} Theft with No Response I am filing this complaint regarding a serious fraud incident involving my Skrill account and the companys failure to provide timely assistance or resolution. On XX/XX/2026, my Skrill account was unauthorizedly accessed, and within approximately XXXX minutes, {$3600.00} was transferred out of my account to XXXX other accounts that were Skrill users without my consent. This was clearly a case of account compromise and fraudulent activity. I acted promptly by : - Securing my account - Reporting the unauthorized transaction to Skrill immediately - Providing all requested transaction details and evidence Despite the urgency and the fact that this was a Skrill-to-Skrill transfer ( which should be traceable and potentially recoverable ), I have now waited over 10 days with no meaningful response, no update, and no indication that action has been taken. This lack of response is unacceptable given : - The speed and nature of the unauthorized transaction - Skrills ability to identify and freeze the receiving account - The financial harm caused I am requesting the following actions : 1. Immediate escalation to Skrills fraud and compliance department 2. Confirmation of whether the receiving account has been identified and frozen 3. A full transaction trace and status of the transferred funds 4. Recovery of the stolen {$3600.00}, if still possible 5. A formal explanation for the delay and lack of communication This situation involves clear unauthorized access and financial theft. Skrills failure to respond in a timely manner has potentially reduced the likelihood of recovering my funds and has caused significant financial stress. I expect prompt intervention and assistance in resolving this matter. Amount in Dispute : {$3600.00} Transaction Type : Unauthorized Skrill-to-Skrill transfer Date of XXXX I am prepared to provide any additional documentation required. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Formal Complaint Failure to Honor Stop Payment & Misrepresentation Subject : Urgent Complaint Improper Processing of Stop Payment Request and Misleading Information To Whom It May Concern, I am submitting a formal complaint regarding Bank of Americas failure to properly execute a stop-payment request on a check issued to the IRS, despite multiple confirmations from your representatives that the payment had been successfully stopped. I contacted your Bank of America on two separate occasions to request a stop payment. During both interactions, I was explicitly informed that the stop payment had been processed and that the funds would not be withdrawn from my account. I relied on these assurances in good faith. Despite these confirmations, the check was still processed and cleared approximately two days later. This directly contradicts the information I was provided and represents a serious failure in execution and communication. Additionally, I received conflicting and inconsistent information from multiple representatives : One representative ( XXXX, Nevada ) stated that the stop payment had not been processed Another representative ( XXXX ) stated that the stop payment had been applied to a different account A subsequent representative ( XXXX, Nevada ) who told me again that the check was not cleared and payment was stopped and the money will go back to my account. These discrepancies demonstrate a lack of internal consistency, inadequate verification processes, and failure of accountability, which placed me at financial risk. This situation is particularly concerning because, had there been insufficient funds in my account, I could have faced overdraft fees, penalties, or additional financial consequences. Customers depend on the accuracy of information provided by bank representatives when making time-sensitive financial decisions. In this case, that trust was not upheld.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Recovery Service Incorporated
State: FL

Complaint narrative:
On or around XX/XX/year>, I received a collection letter from American Recovery Service Incorporated ( XXXX ), signed by XXXX XXXX, regarding an alleged debt of {$5500.00} purportedly owed to XXXX XXXX XXXX XXXX My XXXX XXXX XXXX XXXX ( Account XXXX. XXXX, XXXX XXXX. XXXX ). I dispute this debt in its entirety. ARSI has not provided any validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, ARSI has failed to provide : ( 1 ) a copy of the original signed credit agreement; ( 2 ) a complete itemized account statement showing how the alleged balance of {$5500.00} was calculated ; ( 3 ) proof of ARSI 's legal authority and chain of title to collect this specific debt ; ( 4 ) proof that ARSI is licensed to collect debts in my state ; and ( 5 ) verification that this debt is not time-barred. The letter contains a settlement offer of 50 % of the alleged balance with a deadline of XX/XX/year>, which constitutes pressure to pay a debt that has not been validated. I am requesting a full investigation into ARSI 's collection practices on this account and demand that : ( 1 ) ARSI provide complete debt validation documentation ; ( 2 ) all collection activity cease until validation is provided ; and ( 3 ) any negative tradeline associated with this account be removed from all consumer credit reporting agencieXXXX XXXX XXXX XXXX XXXX XXXX XXXX if ARSI can not fully validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I placed an order from XXXX. They over charged me almost doubt for the amount of the order. They credited my credit card but XXXX out the whole amount instead of just crediting me just the amount that they over charged me. Wayfair states they cant recharge the credit card for the correct amount? There system doesnt allow this. Instead of contacting me or charging me again for just the amount of the order they sent it to collections. Since I pay the credit card off monthly when I can I had no idea of this second error that they made. I have very good credit and am very upset how they handled this. They told me they would resolve this since this was their errors but after weeks of calling them they told me today I would have to pay the collection agency because there is nothing they can do even though they are saying the overcharge was a systems issue. I think its terrible that no one will take accountability for this issue. The first time I knew of a balance due was when the debt collections contacted me by email. Why would a company do this when this is their errors not mine. The least they could of done was to contacted me about the second error instead of trying to ruin my good credit. The invoice for the order and credit card statement dont add up so I have no idea if what they say I owe is correct because none of the charges are for items in the order. I will be happy to send invoice and statement. I cant make any sense out of them. I went to the XXXX website and sent a picture of what is now showing on the invoice.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am filing a complaint regarding PayPals handling of some unauthorized cryptocurrency transactions on my PayPal account. On XXXX I found my PayPal account had unauthorized crypto transfers. I reported the unauthorized transfers and changed my password based on PayPals suggestion and got confirmed my account was safe. Despite following PayPal 's specific security instructions and changing my password on XXXX, the unauthorized transfers continued on XXXX night when I was sleeping. On Monday morning ( XXXX ) I reported to PayPal the other unauthorized crypto transfers. My account was frozen since Monday. The PayPal fraud team told me to check back on XX/XX/XXXX. I followed up with them on XX/XX/XXXX, and I was told that I must pay off my negative balance of $ XXXX as to access the PayPal account and get my money back. This is typical fraud behavior. I think I should not be required to pay any negative balance created by fraudulent crypto activity. I am requesting the following resolution : PayPal must return my money to me. The XXXX wroth about {$35000.00}. PayPals current requirement that I pay the negative balance before they will unfreeze my account is unreasonable and violates consumer protection laws. I am requesting CFPB assistance to ensure PayPal resolves this matter properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
When I spoke to a customer service agent they told me that the payoff amount would not increase anymore since the early purchase option already expired I already made a huge payment towards paying off my loan and it keeps increasing which makes no sense people will never pay off thier loans if these thieves keep increasing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding my Capital One Venture X credit card account, which was unexpectedly restricted and subsequently closed without any prior notice or explanation. At Capital Ones request, I promptly submitted my drivers license and completed identity verification using the secure link they provided. I have followed up multiple times and re-uploaded the required documents as instructed. I also confirmed with customer service representatives that my documents were successfully submitted. Despite my compliance, I never received any communication from Capital One regarding the status of my account. I did not receive any phone calls, emails, letters, or voicemail messages informing me of any issues, concerns, or the decision to close my account. To my shock, I later discovered that my account had been closed without notice. Additionally, all of my accumulated rewards points were removed without my knowledge or consent. I had been saving these points for travel, and losing them without explanation has caused significant frustration and stress. I made repeated attempts to contact Capital One customer service for clarification and resolution. However, I have not received any meaningful response or assistance. No one has been able to explain why my account required verification initially, nor why it was ultimately closed despite my full cooperation. This situation has caused unnecessary stress and financial inconvenience, especially given the value of the rewards points that were removed. I respectfully request the following : 1. A clear explanation for why my account was restricted and closed. 2. Immediate review of my account and verification documents. 3. Reinstatement of my account, if possible. 4. Restoration of all rewards points that were removed. I have made every effort to comply with Capital Ones requests and have acted in good faith throughout this process. I am requesting a fair and timely resolution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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: Experian Information Solutions Inc.
State: GA

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 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I did not apply for, authorize, or benefit from any accounts, services, or transactions associated with these institutions. I became aware of this issue after noticing unfamiliar activity and/or accounts that I do not recognize. This activity appears to have been conducted by an unknown individual using my personal information without my consent. I have not shared my personal information with anyone who would have permission to open or use these accounts. I am requesting that these fraudulent accounts and any related transactions be investigated, removed, and blocked, and that my identity be protected moving forward. I certify that the information I have provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: TN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We are truly horrified! Just late this evening/early this morning XXXX XXXX placed two ( 2 ) telephone calls to the Frauds Unit of the Bank of America because the bank told him to do so concerning certain transactions. XXXX XXXX verified that he had authorized all the transactions in question! BUT, alas, that was not at all the end of it. In the course of the two ( 2 ) telephone calls it so happened XXXX XXXX stated to the bank 's representatives/agents/employees that he has XXXX XXXX and so could not take too much time at these late hours to remain on the telephone! AND YET neither of these individuals could say, " I am concerned that you, XXXX XXXX, have XXXX XXXX! ONE : At least half a dozen or more times the male employee on the first call refused to make THAT STATEMENT! TWO : At least ten or more XXXX on the second call refused to make THAT STATEMENT and even when XXXX XXXX asked XXXX to do so! THREE : XXXX had the audacity to say that we were being " belligerent ''! FOUR : " Belligerent '' over XXXX XXXX and not just XXXX XXXX but AGGRESSIVE XXXX XXXX for which XXXX XXXX was treated an astounding FORTY-EIGHT ( 48 ) times! THEREFORE, it is not possible at all for XXXX XXXX to continue banking with the Bank XXXX XXXX which in these two ( 2 ) grossly atrocious incidents that have made XXXX XXXX ill now with a racing XXXX and perspiring there is displayed a gross inhumanity, insensitivity, disregard for XXXX XXXX who is XXXX! XXXX XXXX may be a very long retired attorney-at-law but he alleges now that the Bank of America has committed THE TORT OF THE INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS on the both of us! What kind of a bank is THIS that creates XXXX XXXX XXXX XXXX XXXX and his beloved wife XXXX XXXX XXXX THIS WAY? We are appalled, shocked, disheartened, and ready to commence a lawsuit if need be in State and/or Federal court XXXX XXXX XXXX CAVEAT : AND THERE SHALL BE NO RETALIATION BY THE BANK OF AMERICA AS THAT WOULD BE THE TWIN FELONIES OF OBSTRUCTION OF JUSTICE AND INTERFERENCE WITH THE ADMINISTRATION OF JUSTICE AS THIS IS A COMPLAINT TO THE FEDERAL GOVERNMENT!

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/year>, I identified several unauthorized charges on my Citi AAdvantage credit card totaling approximately {$10000.00}. Upon further investigation, I learned that an individual named XXXX XXXX, located in XXXX, Nebraska, had been added to my account without my knowledge or consent and was issued a credit card. I did not authorize the addition of this individual to my account, nor did I authorize any of the associated transactions. All of these charges are fraudulent. I promptly reported the issue to Citi and have disputed the charges multiple times between XXXX and XX/XX/year>. Despite these efforts, the matter remains unresolved, and I continue to be billed for the fraudulent charges. Additionally, after Citi canceled several compromised cards, I was sent a replacement card in XX/XX/year> that still bore the unauthorized individuals name, indicating a serious failure in account security and resolution procedures.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Complaint : I am filing this complaint regarding an unauthorized credit card transaction on my SoFi account that has been improperly denied after multiple attempts to resolve the issue directly with the bank. The transaction in question is a charge of {$600.00} at XXXX XXXX XXXX on XX/XX/year>. I did not make, authorize, or benefit from this purchase. I promptly reported this transaction as fraud and fully cooperated with the investigation. I also filed a police report with the XXXX documenting the incident. Despite this, SoFi denied my claim, stating that the transaction was valid because a chip was used and referencing my presence in XXXX XXXX XXXX. While I was in XXXX XXXX XXXX for work that day, I was not present at XXXX XXXX XXXX and did not conduct this transaction. The bank has relied on assumptions based on chip usage and location rather than providing evidence that I personally authorized or completed the purchase. Additionally, I clarified that when I initially stated the card was in my possession, I meant that it had been issued to me and was believed to be at my home. It was not in my physical possession at the time of the transaction. Logging into my account after the transaction occurred was done to identify and report the unauthorized charge, not to authorize it. SoFi has not provided any documentation showing that I conducted the transaction, such as : * Signature verification * Identification used at the point of sale * Any confirmation that the purchaser matched the authorized cardholder I requested a reinvestigation and formally appealed the decision, but the bank has maintained its denial without providing sufficient evidence. Under the Fair Credit Billing Act, I am not liable for unauthorized credit card transactions. SoFi has failed to conduct a reasonable investigation and has improperly held me responsible based on unsupported assumptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This is a supplemental complaint against Equifax related to my prior complaint. Since submitting feedback on XXXX response I have confirmed additional inaccuracies and identified a pattern of coordinated re-reporting by XXXX XXXX. First, XXXX XXXX re-reported the same inaccurate balance of {$3200.00} to Equifax on XX/XX/XXXX the same date XXXX simultaneously re-reported to XXXX and XXXX while XXXX CFPB investigation was actively open. All three bureaus now show XX/XX/XXXX as the most recent reporting date. This coordinated same-day re-reporting occurred while XXXX XXXX XXXX XXXX XXXX interim CFPB response the prior day claiming to still be investigating. The balance remains {$3200.00}, still not reflecting {$790.00} in payments made at XXXX XXXX locations in XX/XX/XXXX. The Date of Last Payment still shows XX/XX/XXXX. The payment history XXXX deleted confirmed in Equifaxs own XX/XX/XXXX reinvestigation document remains deleted. Second, Equifaxs payment history contains the same impossibility identified across all three bureaus. The account was opened XX/XX/XXXX and the reported Date of First Delinquency is XX/XX/XXXX. However Equifaxs payment history shows 90 days past due in XX/XX/XXXX and 120 days past due in XX/XX/XXXX XXXX months before the reported first delinquency date. XXXX, XXXX, and XX/XX/XXXX show no data at all. These impossibilities are consistent with deletion and inaccurate reconstruction of payment history. Third, XXXX own XX/XX/XXXX reinvestigation document states : THE PRIOR PAYING HISTORY HAS BEEN DELETED FROM THIS ACCOUNT. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION, CLOSED DATE, DATE OF MAJOR DELINQUENCY XXXX REPORTED, DATE OF LAST PAYMENT. Despite having this information in its own document, Equifax concluded the account was being reported correctly and has now accepted two additional re-submissions of the same inaccurate data from XXXX. Equifax verified a record its own document confirmed had been modified by deletion. Equifax then accepted re-submissions of the same modified record on XX/XX/XXXX and XX/XX/XXXX without independent verification. This is not a reasonable investigation under FCRA 611. I am demanding immediate deletion of this tradeline from my personal consumer credit file and am consulting an FCRA plaintiff attorney regarding Equifaxs violations under FCRA 611 and 617.

Company response to consumer: Closed with non-monetary relief