vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I received text alerts from Wells Fargo stating that a {$700.00} transaction was made from my checking and the entire balance ( {$3000.00} ) of my savings account was transferred to my checking account. I immediately called Wells Fargo to inform them that these transactions were not my doing. The savings account money was successfully transferred back and a claim opened for the fraudulent checking account transaction. I was in possession of my debit card but a new one was issued to prevent further fraud. A new savings account number was also assigned. 

I have since been informed that my claim has not been found valid due to my having possession of the debit card. I called to dispute this as there is a clear trail of the actions and my phone call. I was told there is no appeals process and if I feel the need to take my banking elsewhere, that is my decision. 

You should be able to see where and how that {$700.00} transaction was made and my account activity around that time ; I have never made any similar transaction. Given that so many transactions are done electronically, I dont think me having possession of the card is a valid argument in my claim being 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 explanation
Consumer complaint received 2026-01-07 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: NC

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I lost my job do to no control of mine own, and was unable to pay the XXXX credit cards card off with Chase Bank, last XXXX numbers of cards XXXX, and XXXX, or make payments on the accounts. So I found out that these accounts were listed as charge-off 's, which letter 's will prove that accounts were RESOLVED, with no payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
In XXXX of XXXX my savings account went from around XXXX XXXXXXXX XXXX XXXX XXXX 
There were no traces of where it went. I had reported it to Huntington as soon as i noticed. They looked into it and said there is no trace of where it went and that it would probably take a little while to figure it out. Said maybe 45 days or so. I kept calling and they keep giving me the run around saying they are looking into it. Well after about 45 days they then told me they had to turn it over to Federal investigation because they " dont know '' where my money went. It is now XX/XX/XXXX. I have no answers and no temporary funds they gave me while they investigate and they are not giving me any answers. They will not let me speak with management or anyone higher up. They keep giving me no information. On XX/XX/XXXX i noticed that my DEBIT account had unauthorized charges on them. I reported them right away while they were " pending ''. The lady was looking into it and said that the website the charges said they were being charged to doesnt even exsist. They gave me funds to replace the money taken and were investigating the charges. Today XX/XX/XXXX They took the money back and said i made the charges which I DID NOT and they even knew that when I disputed the charges. I have no answers and all my money has been taken. It is not my fault that they dont have sufficient protection of their banking system. There have been MULTIPLE people this is happening to. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had a account with chime. I had a checking and a savings account. I was alert over the weekend to get whatever I need out the account due to maintenance issues on that day. Only on that day which it the XXXX of XXXX. I call them and I got hung up a couple of times due to me questioning why do I have to wait XXXX for you to issue my funds and what activity was made for them to close my account. They only kept telling me that my account have been close on the fifth and the money thats in there will be mail out in 30 days. I never heard anything like this. So now my money is just sitting there until they issue a check. Its very unconvinced for me. Now I have to get all my accounts transferred to another bank and my bills going to be put on hold because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Acima Leasing failed to verify disputed information under FCRA 1681i and 1681s-2 ( b ). Their CFPB response did not include method of verification, Metro-2 data, DOFD, or proof of permissible purpose. They only provided an Agreement copy, which does not meet verification standards. I am requesting a reinvestigation and deletion due to failure to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I maintain a joint checking account with my spouse, which was used for all transactions related to these loans. 

Because Cash Express was closed on XX/XX/year>, on XX/XX/year>, we went to the Cash Express location at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, and paid our outstanding check loans in cash. Prior to going to the store, we had already withdrawn funds from our joint checking account to make these cash payments. 

At the store on XX/XX/year>, XXXX XXXX staff informed us that our post-dated checks had already been sent for processing but explicitly stated that the checks could be recalled and would not be deposited into our bank account. Based on this representation, we were told it was safe to pay in cash and that there would be no issues with our bank account. 

Despite this assurance, three checks were deposited against our joint checking account, resulting in three NSF fees of {$30.00} each, totaling {$90.00}, and leaving our account with a negative balance.

If Cash Express had been honest or accurate about the status of the checks, we would have deposited the withdrawn funds back into the account to cover the checks and no NSF fees would have occurred. The financial loss was caused by Cash Expresss incorrect assurance that the checks would not be deposited. 

On XX/XX/year>, we returned to the XXXX XXXX XXXX XXXX store to report the NSF fees. Store staff and a XXXX  XXXX XXXX XXXX who refused to give me her last name or contact information ) stated that Cash Express does not reimburse NSF fees under any circumstances, citing company policy, and refused reimbursement even though the fees resulted from their failure to recall the checks as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
MOHELA delayed/Denied XXXX twice in XXXX. They failed to timely process my XXXX applications and denied them for minor errors, as detailed in reports from the XXXX  and XXXX. MOHELA failed to timely process critical paperwork which delayed my path to loan forgiveness. I was told that I would need to file for forgiveness through MOHELA from XXXX financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I'm a victim of credit card fraud or scam on the date of XX/XX/year> through PayPal account. {$1300.00} from a XXXX XXXXXXXX XXXX XXXX never heard of this person. Also {$500.00} in XXXX gift cards and {$400.00} in XXXX XXXX XXXX cards. All Through PayPal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A promotion on XXXX XXXX said that if I signed up for Capital One XXXX, I would get {$300.00} in credit and {$200.00} in travel credit after spending {$500.00} within the first 3 months of having the credit card. I did not receive either and it has been more than 3 months and at least XXXX due dates since I got up for the card. I contacted Capital One and they said it would be through XXXX XXXX. XXXX XXXX said the same thing about Capital One, that it would be through them. So now I am out all that money that I was counting on. And I would not have spent nearly as much in those first 3 months if not for that promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a utility jacket from XXXX XXXX XXXX XXXX XXXX ( XXXX  ) for a total of {$300.00}. I initiated a return request on XX/XX/year>, and the merchant provided a prepaid XXXX  return label. 
I shipped the item back on XX/XX/year>, via XXXX  ( Tracking ID : XXXX ). According to the official XXXX shipping log, the package was delivered to the merchants facility in XXXXXXXX XXXX, on XX/XX/year>, at XXXX XXXX. The merchant 's policy states they will process the return once they receive the original items, yet I received no confirmation of the refund. I emailed the merchant on XX/XX/year>, to follow up on the missing refund but did not receive a resolution. 
Due to the merchant 's failure to refund the transaction, I filed a dispute with my bank, Wells Fargo ( Dispute Number : XXXX ). On XX/XX/year>, Wells Fargo closed the dispute and declined my request for credit. The banks denial notice stated that " XXXX requires specific information from the cardholder '' to file a dispute and claimed these requirements were not met, rather than determining the merchant was entitled to the funds. 
The merchant currently holds both the returned merchandise ( proof of delivery established ) and my payment of {$300.00}. I am seeking a full refund as I successfully returned the item within the required timeframe.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am disputing the accuracy and completeness of a collection account being reported by Online Information Services related to XXXX XXXX XXXX XXXX. 

This account was previously disputed when it was reported by a different collection agency. That prior collector closed its file after being unable to obtain a response or documentation from the original creditor. Despite this, the debt was subsequently transferred to Online Information Services, which is now reporting the same alleged debt without providing any competent verification. 

Online Information Services has not provided any documentation establishing the legitimacy of this debt, including but not limited to : A final bill from XXXX XXXX XXXX address or service dates Meter usage or billing records An itemized balance Proof of legal assignment or authority to collect and report this debt The account is being reported as a collection with no payment history, no itemized balance, and no supporting documentation. Reporting a collection account without verifying the underlying debt or ensuring maximum possible accuracy is misleading and violates the Fair Credit Reporting Act.

Under FCRA 611 and 623 ( a ) ( 1 ), furnishers are required to ensure maximum possible accuracy and conduct a reasonable investigation when a consumer disputes information. Under FCRA 623 ( a ) ( 8 ), I am exercising my right to dispute the accuracy and completeness of this account directly with the furnisher.

Because Online Information Services is unable to substantiate this debt or demonstrate legal authority to report it, I am requesting deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: VA

Complaint narrative:
For the past year, Albert has attempted to take $ XXXX {$23.00} from my bank account. After SEVERAL attempts at canceling and speaking with their representatives, they would quietly toggle the subscription back on without consent. They will lie, and say you have money in their accounts that you mysteriously can not see and is only visible on their end. They will do everything possible to avoid contact with you, but suddenly have XX/XX/year> customer service if you mention wanting to continue using service.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I received a phishing email impersonating XXXX, a platform I actively sell on. The email stated that my seller payout was blocked and required payment verification. The email used XXXX branding and language consistent with legitimate XXXX communications. 

Acting in good faith and under false representation, I clicked the link provided and entered my Navy Federal debit card information. Shortly afterward, an unauthorized debit card transaction in the amount of {$280.00} occurred. 

I immediately notified Navy Federal Credit Union of the fraudulent transaction upon discovery. I also contacted XXXX, who confirmed the email was fraudulent and that they do not request payment information via email. My debit card was closed and replaced. 

Since my initial report, Navy Federal has repeatedly delayed resolution of this dispute. I was advised that the claim was filed incorrectly, after which Navy Federal refiled the claim on my behalf. That refiling was also mishandled, resulting in additional delays and repeated back-and-forth without resolution.

Navy Federal ultimately stated that recovery was unsuccessful because the merchants bank declined the claim. However, there was no legitimate merchant involved. This transaction resulted from impersonation and phishing fraud. 

Authorization obtained through deception does not constitute valid authorization under Regulation E. Navy Federal failed to properly investigate this transaction under Regulation E error-resolution requirements and relied solely on merchant chargeback efforts rather than determining whether the electronic fund transfer was unauthorized due to fraud. 

I have filed a federal IdentityTheft.gov report documenting this impersonation fraud. I am seeking reimbursement of the disputed funds and a proper Regulation E determination. Any delays in resolution were caused by Navy Federals handling of the claim after timely notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MO

Complaint narrative:
My cash app account was closed saying that I worked the policy rules I don't know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im tired of calling these credit companies to let them know Im not a military. Im not an XXXX XXXX. They keep putting me on military once I told him to take it off then they try to tell me I got ta pay them {$11.00}. I want my money you use my personal data having people put data on my account and then when I report you oh no, we fixed it no pay me. This is like XXXX XXXX years of this 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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2026-01-07 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: MD

Complaint narrative:
Company : PayPal Product : Digital wallet / payment processing Issue : Funds held / account closed / unable to access money What happened ( describe the issue ) : I opened a PayPal business account for my small business, XXXX XXXXXXXX. I also accepted XXXX payments from hair clients through this account to purchase hair supplies on their behalf. 

The first transaction processed without issue. During the second transaction, PayPal made only a portion of the funds available and then permanently limited my account, stating I violated their policies. My appeal was denied, and I am not allowed to re-appeal. 

PayPal is currently holding {$110.00} of my money until XXXX, citing potential chargebacks. No chargebacks, disputes, or refund requests exist, and the services were completed. I paid for my clients supplies out of pocket because PayPal withheld her payment. 

Why this is a problem : The funds are from legitimate, completed transactions. 

There have been no disputes, chargebacks, or complaints. 

I have provided services and fulfilled the transactions. 

PayPal has denied all further appeals and will not review additional evidence. 

Holding funds for XXXX days without any dispute creates financial harm to a small business owner.

Company response to consumer: Closed with explanation