vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 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: IL

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLCs continued furnishing of inaccurate and unverified credit information in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent LVNV Funding LLC a written dispute and demand for verification regarding the above-referenced account, pursuant to 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). I specifically requested competent evidence verifying the debt, including the original signed agreement, proof of assignment, and a complete payment history ( Exhibit B ).

LVNV, through its agent Resurgent Capital Services, responded by letter dated XX/XX/XXXX. In that response, LVNV failed to provide any original creditor documentation, signed agreement, or proof of authority to collect, and instead referenced only internal transaction history. This response does not constitute legally sufficient verification under the FCRA ( Exhibit A ). 

Despite failing to validate the debt, LVNV continues to furnish and update the account with consumer reporting agencies. As shown in my XXXX  credit report, LVNV updated the balance on XX/XX/XXXX, while the account is actively marked as disputed by consumer ( Exhibit C ). This demonstrates ongoing reporting without competent verification and a failure to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ).

Additionally, LVNV is reporting inconsistent and inaccurate account information, including nonsensical payment terms ( 1 month ) on a collection account and conflicting status update dates, further evidencing unreliable furnishing ( Exhibit C ).

The account documentation LVNV relies upon consists of billing statements that do not establish contractual liability, assignment, or ownership of the debt. Such documents do not satisfy the verification requirements imposed by the FCRA or CFPB guidance for disputed tradelines. ( Exhibit D ).

By continuing to report and update this account after failing to verify it, LVNV is violating : 15 U.S.C. 1681s-2 ( b ) ( failure to conduct a reasonable investigation ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( furnishing information with reason to know it is inaccurate ) 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OR

Complaint narrative:
No backup withholding occurred, and Box 4 correctly reflects {$0.00}. The reductions to my received funds were therefore not taxes, but business processing fees assessed on non-business, personal, gift, and insurance-related payments. I did not operate a business and did not provide informed consent to have these funds treated as business transactions Additionally, my Cash App account statements did not indicate anywhere that the account was designated as a Cash App for Business account. There was no clear labeling, notice, or disclosure on my statements reflecting a business classification. As a result, I was unaware that my account had been treated as a business account, which is precisely why I was confused and concerned when I later discovered that business fees had been assessed. The absence of any such indication on my statements undermines the claim that I had clear notice or informed consent regarding a business account designation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
It was for over XXXX that they withheld that I received as payment from through XXXX. I provided all documents asked and they lifted the hold but never paid me or sent said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sezzle Inc.
State: IL

Complaint narrative:
The merchant charged multiple penalty fees including late payment fees, failed payment fees, a balance add fee, and a {$9.00} subscription charge totaling {$140.00}. 

These fees were charged despite the merchant holding my funds and their billing system preventing timely resolution. I attempted to make payments and resolve the issue, but the merchants system design caused unavoidable delays and improperly triggered penalty fees. 

I am not disputing the original installment/payment amount owed. I am disputing only the penalty fees and subscription charge as billing errors resulting from the merchants handling of funds and system failure. 

The merchant refused to reverse or refund these fees even after I contacted them and explained the situation. 

I am requesting a full refund of {$140.00} for all improperly charged fees and the subscription charge.

Wouldnt let me upload everything but I have proof of emails I attempted to contact someone for almost a week prior, they never contacted me back after our chat conversation with in the XXXX hour rule ( their rule btw ) I have proof of the ridiculous late payment fee and late fees, proof that I deposited the {$200.00} into their account to pay the fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: Chime Financial Inc
State: WA

Complaint narrative:
I am writing to formally lodge a complaint regarding two unauthorized transactions charged to my account by XXXX XXXX XXXX XXXX XXXX  XXXX Despite my repeated efforts to resolve this matter directly with the company, including submitting a dispute for the transactions, I have not received a satisfactory resolution. The details of the disputed transactions are as follows : Transaction Date : XX/XX/2025, at XXXX XXXX Amount : {$400.00} Transaction Date : XX/XX/2025, at XXXX XXXX Amount : {$830.00} These transactions were not authorized by me under any circumstances, and I have taken immediate steps to dispute them directly with the company. As of the date of this submission, the company has failed to provide a proper resolution or acknowledge the unauthorized nature of these transactions. Despite submitting the necessary documentation and providing all required information, I have not received a timely response, and an agent is currently investigating the dispute. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and investigate this matter with urgency. The unauthorized nature of these charges and the failure of XXXX XXXX XXXX  XXXX XXXX XXXX to address the dispute in a reasonable and timely manner are in clear violation of my consumer rights. 

To support my claim, I have attached the relevant documentation, including transaction receipts, dispute confirmation emails, and any other correspondence with the company. I request that the CFPB expedite the resolution of this matter and ensure the refund of the disputed amounts. 

Please consider this complaint as a formal request for assistance under the Fair Credit Billing Act ( FCBA ) and Electronic Fund Transfer Act ( EFTA ), as applicable, to ensure that my rights as a consumer are fully protected. I expect a timely resolution and appropriate action in accordance with U.S. consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Okay I had walked in chase bank to put stop payments because going through debit resolution. The first guy very helpful 2 day later I needed to add XXXX more and I paid {$30.00} for each XXXX, but the lady wouldn't look at me or say anything no printout like the guy from first time. Okay so the XXXX of my stop payments was in pending I called right away and customer service said she didn't see it so charged another {$30.00} for stop payment but they still took. So I filed a claim and at first wasn't going to credit me then they did but said they would MAIL form to me and must give back in 10 days from receiving, I even called back to verify that it would be mailed. I get informed mail from post office so I can prove form never mailed to me. Then I open my account saying form due or they will reverse. Now I'm on XXXX and have big scar on my neck, I'm guessing that's the problem because the way I'm treated is totally different from my son and friends. I filed XXXX stop payments at {$30.00} each but still had to fill out form and that was fine but they never .aimed and I asked and no one ever had to fill out form mailed to them. I knew they would do this because 10 days ends right when I get paid. I don't know what there problem is with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America N.A. for failure to provide investigation evidence as required under Regulation E ( Pursuant to 12 CFR 1005.11 ( d ) ( 2 ) I am a victim of ongoing financial abuse and fraud by an ex known individual with history of theft, heavy over seas gambling, alcohol abuse, violent rage.

This deals with Debit Card Fraud for both. 
Claim # XXXX ( XX/XX/XXXX ) : This claim was closed/resolved on XX/XX/year>. Despite multiple requests, the bank has failed to provide the full 'Investigation Results Package. ' Under Regulation E, I am legally entitled to the documentation used to reach this decision. I require merchant names, IP addresses, and location data for my safety and for police documentation.

Active Fraud Claim # XXXX ( XX/XX/XXXX ) : I am currently dealing with a new round of fraud that occurred on XX/XX/year>. I didnt even have my new replaced debit card for a month and couple days and fruad happened again. I demand that Bank of America provide a full investigation package immediately upon the conclusion of this 'research ' phase without the delays I have experienced with my previous claim.

Bank of America 's incompetenceincluding sending me two different Mastercard debit cards with different CVVs for the same accounthas left me feeling unprotected. I demand full transparency and the immediate mailing of all evidence files for both claims

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 2026-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
What Happened My mortgage servicer, Lakeview Loan Servicing ( with XXXX XXXX as XXXX ), engaged in prolonged escrow mismanagement, payment misapplication, and administrative failures that directly caused severe financial harm, business shutdown, and housing instability. 

Despite verified 100 % property tax exemption, confirmed insurance premiums, and documented corrections, the servicer continued to overcharge escrow, misapply payments, generate reversals and unapplied funds, and assess improper fees. These errors inflated my monthly payment, created artificial delinquency risk, and disrupted my ability to manage basic finances. 

As a result of these servicing failures, my construction and woodworking business was forced to shut down, cash flow collapsed, and I was unable to operate normally. Time that should have been spent working was instead consumed by repeated calls, disputes, document submissions, and system errors that prevented resolution. Online systems repeatedly failed or blocked submission of corrections, leaving errors unresolved for months. 

This was not an inconvenience. This directly contributed to loss of income, inability to maintain normal operations, escalating financial distress, and threats to the habitability of my home. The servicer had the correct information, acknowledged it, and still failed to act appropriately Online reviews show this is an ongoing issue. This company is a scam and ahiuld not be allowed to work with XXXX. The elderly, or XXXX. They leave exceptions out and then force you into foreclosure. I am owed money. I have XXXX formal request. No refund. No explanation. Then the XXXX explanation the gave was 100 % incorrect. And they did not take out escrow.

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 2026-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ref Numbers : XXXX XXXX XXXX To the Consumer Financial Protection Bureau, This submission relates to our ongoing complaint against Bank of America. 
We have clearly, explicitly, and repeatedly stated that we do not consent to any phone communication in any form. Despite this, Bank of America continues to insist on telephone contact and so-called secure email, which we consider a deliberate delaying and manipulation tactic. The email correspondence attached clearly evidences this behavior. 
Let us be unequivocally clear : We are requesting and formally demanding that all responses be provided exclusively via physical written mail. 
We do not consent to phone calls. 
We do not consent to secure email systems. 
We have ongoing medical appointments and are on continuous medication, leaving us with neither the time, energy, nor capacity to participate in phone calls or time-sensitive electronic processes. These constraints have already been communicated and ignored.

Bank of Americas continued refusal to respect this reasonable and clearly stated accommodation is unacceptable and has unnecessarily prolonged this matter. 
If Bank of America fails to comply immediately and continues to disregard our written-only, physical mail request, we will proceed with filing a formal complaint with the Office of the Comptroller of the Currency ( OCC ) without further notice. 
We request that CFPB ensure this communication preference is documented, enforced, and conveyed to Bank of America without delay. 
Sincerely, XXXX XXXX XXXX Please find below the email from BOA : From : Enterprise Resolution XXXX Date : Thu, XX/XX/year>, XXXX Subject : Acknowledgement of your Inquiry To : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX for contacting Regulatory Complaints of Bank of America XXXX As your Resolution XXXX I welcome the opportunity to address your concerns. 
I am your point of contact until this matter is resolved. 
My direct number is XXXX, extension XXXX, XXXX  through XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Please note that we will be providing our response to your concerns by phone, in writing via secured email or through standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number above and I or XXXX of my colleagues will return your call within XXXX hours If you have difficulty hearing or speaking on the telephone, you may contact Bank of America through Telecommunications Relay Service dial XXXX. You can request to have bank documents read to you through telephone banking or by visiting a financial center. Because location hours vary, please schedule an appointment requesting reader services or call XXXX Thank you, XXXX XXXX [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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

Complaint narrative:
The PayPal account associated with the email address XXXX, under the name XXXX XXXX XXXX, was permanently limited in XXXX. At the time of the limitation, my account had an available balance of USD XXXX. 

PayPal informed me that my funds would be held for up to 180 days in accordance with their User Agreement. After the 180-day period passed, I repeatedly contacted PayPal customer support through messages and phone calls to request the release of my remaining balance. 

From XXXX until XXXX, I have contacted PayPal numerous times. Each time, I was told to wait, and no clear or specific reason was provided for why my funds could not be released. PayPal has not identified any dispute, chargeback, or policy violation that would justify holding my funds for multiple years beyond the stated 180-day period. 

As of today, the balance of USD XXXX remains inaccessible, despite my continued efforts to resolve this matter directly with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CFPB letter/ Capital One To the Consumer Financial Protection Bureau , I am submitting this complaint regarding Capital One Bank ( USA ), N.A . for failing to acknowledge a valid court-ordered settlement agreement, providing inconsistent information regarding my account, and refusing to provide a complete payment history upon request. 
On or about XX/XX/year>, a Stipulation of Settlement was entered and So Ordered by the Civil Court of the City of XXXX XXXX, XXXX XXXX, in the matter of Capital One Bank ( USA ), N.A. XXXX XXXX XXXX XXXX, concerning an account ending in XXXX. 
Under this settlement, I agreed to pay {$1400.00} in full resolution of the matter. The agreement explicitly provides that upon receipt of all required payments, the account would be considered paid in full/ settled for less than the full balance, and a confirming letter would be issued. 
I made all payments as agreed, and no payment was ever in default. Recently, I contacted Capital One directly to confirm the status of the account. During that call : * Capital One confirmed that I paid a total of {$1400.00} ; * Capital One claimed that no settlement agreement exists, despite the court-ordered stipulation; * Capital One refused to provide a payment history, stating they were unable to do so. 
This position is contradictory and deeply concerning. Capital One can not simultaneously acknowledge receipt of the full settlement amount while denying the existence of the settlement agreement that governed those payments. Additionally, refusing to provide a payment history prevents me from verifying account accuracy and protecting my legal rights. 
Capital Ones actions may constitute : * Failure to accurately maintain account records; * Failure to honor a court-ordered settlement; * Failure to provide documentation upon reasonable consumer request ; * Potentially inaccurate reporting or internal handling of a settled account. 
I am requesting that Capital One be required to : 1. Formally acknowledge the court-ordered settlement agreement ; 2. Provide a complete payment history reflecting all payments made toward the {$1400.00} settlement ; 3. Confirm in writing that the account is paid in full/ settled for less than full balance in accordance with the stipulation ; 4. Correct any internal records or reporting that conflict with the settlement. 
I have retained copies of the So-Ordered Stipulation of Settlement and can provide them upon request. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX, XXXX York

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I have been experiencing extreme financial difficulty since XX/XX/year> due to a serious illness and the inability to work consistently. I contacted Sofi to explain my situation and was offered a payment plan of {$23.00} per month and close the card. I later realized I was being charged over 30 % interest form that small payment, therefore my balance in not be reduced significantly. I called and requested that the interest charges be waived but they refused. 

On XX/XX/XXXX, I chatted with Sofi online as well as by phone, to inform them I have entered in to a debt consolidation agreement and no longer wish to make the {$23.00} payment as this will now be handle by this company, ( please see attaches chat interaction ) I was assured no more payments would be deducted. On XX/XX/XXXX, another deduction was made from my acct. I called and spoke to XXXX different people who refused to help, instead tried giving me a XXXX number to call. 

I need my case to be investigated, my most recent payment refunded and all the interest I was charged for the past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, at around XXXX hours, I received a text message from XXXX requesting an authorization code. I also received two additional text messages at around XXXX hours, requesting an authorization code, again. On XX/XX/year>, at around XXXX hours, I received a phone call from the number : ( XXXX ) XXXX. The caller identified as " XXXX '' from XXXX and told me that someone bought {$3000.00} worth of equipment on my account and he wanted to give me a " refund ''. The caller also told her that he wanted to give her money and discounts. I proceeded to give my debit, bank account, and driver license information to the caller. While I was on the phone with the caller, I noticed six more text messages that requested a XXXX authorization code. 
After the phone call ended, my phone was shut off. I was unable to send text message, call people or log into my email while I was filing the report. 
I changed my bank account information. 
I attempted to call the number ( XXXX ) XXXX, and received an automated message stating " I'm sorry but the person you called has a voicemail box that has not been set up yet ''. 
The officer later conducted a TLO search of the phone number. The return on that search was " no results found. '' She also searched the number in RIMS and there were no matches. 
That report, along with additional documentation, could have been provided if anyone at Chase had actually asked. But no one contacted me. Instead, without any communication or warning, they quietly reversed funds that had already been rightfully returned to me, based on documentation that couldnt withstand even the lightest scrutiny.

Company response to consumer: Closed with explanation