vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has locked my XXXX XXXX card despite my identity documents being officially uploaded and marked 'Accepted ' in their internal verification portal. I discovered the automated verification check originally stalled because my XXXX credit file was frozen. I have officially unfrozen my XXXX file as of today so that the bureau data can be read. I am a VA recipient currently recovering from a medical procedure today. My rent is due tomorrow, this credit card is my only active line of credit until my next VA payment clears next Wednesday, and the bank 's administrative delay is causing an imminent housing crisis. I require immediate corporate escalation to run the verification check against my unfrozen XXXX profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Re : Debt Validation Request Account # XXXX Amount Listed : {$1500.00} To Whom It May Concern, This letter serves as a formal dispute and request for validation of the alleged debt referenced above, pursuant to FDCPA 809 ( b ). I do not acknowledge this debt and require full validation. Until proper validation is provided, you must cease all collection activity and stop reporting or verifying this account with any credit bureau, as required under FDCPA 805 ( c ) and FCRA 623. Provide the following : 1. A complete breakdown of the alleged balance of {$1500.00} 2. A copy of the original signed lease or contract with State National 3. Proof of your legal authority to collect this debt 4. Itemized charges, fees, and interest 5. Proof of assignment or ownership 6. Full payment history 7. Original creditor information 8. Your state collectio n license I am currently experiencing financial hardship due to reduced income and essential living expenses. This does not waive my rights under federal law. If you can not validate this debt, you must delete it from all credit bureaus under FCRA 611 and 623. I expect your response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I had left my apartment in XX/XX/year>, there was not any inspections done in front of me before I left. XXXX months later a receive a letter from the property with pictures claiming that I breaks stuff and left furniture inside, which I didnt do any of those. When I look at the pictures it was not even my apartment. I went to the leasing office to sort it out. They took the letter from me and told me that they were going to take care of it, with they never did. A few months later I was reporting to collection with a bill of {$1300.00}. I want this to be removed from my credit because its fraudulent. I also filled a small claim for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My promotional welcome offer of XXXX points were removed on XX/XX/XXXX Dear CP, I am writing to formally express my concern regarding the handling of my account and the removal of my XXXX welcome offer points. I believe I was misled regarding the status of these points. Furthermore, I was not informed of this removal until today, XX/XX/XXXX, despite the change apparently occurring on XX/XX/XXXX. This delay in communication is unacceptable and has prevented me from addressing the matter in a timely fashion. I request that you review the following details : - Welcome Offer Amount : XXXX points - Date of Removal : XX/XX/XXXX - Date of Notification : XX/XX/XXXX AMEX gold credit card ending XXXX with annual fee of {$390.00} I can be reached via email XXXX or cell phone XXXX Please restore the XXXX points to my account or provide a detailed explanation as to why they were removed without prior notice. I look forward to your prompt response and a resolution to this matter. Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Merchants refunded me for payments made for products not received or stolen. The babk refuses to acknowledge this benefit for customers. It is my understanding that if those funds would not have been withdrawn I'd have sufficient funds to cover expenses or charges. The bank has repeatedly discriminated against me for 21 years. Restricting and denying service they offer other customers. I've submitted complaints and your agency closes then without a justifiable solution. Why?

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 2026-06-11 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: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield is reporting a collection account associated with XXXX XXXX XXXX XXXX XXXX on my consumer credit reports. I dispute the accuracy and completeness of the information being reported. To date, I have not received sufficient documentation supporting the balance being reported, the calculation of the alleged debt, or documentation demonstrating Hunter Warfield 's authority to collect and furnish this account to the consumer reporting agencies. Pursuant to 15 U.S.C. 1681s-2 ( b ), I request a reasonable investigation of this disputed account and verification of the information being reported. I also request documentation supporting the amount claimed, the basis of the debt, and the authority to collect and report this account. The continued reporting of unverified or inaccurate information is causing substantial harm to my ability to obtain housing and access credit. If the information can not be verified as complete and accurate, I request that the account be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
To Whom It May Concern : I am formally requesting full validation of the alleged debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and demand that you provide competent legal evidence that I have a contractual obligation to pay. Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request the following documentation : 1. A complete accounting of the alleged debt. 2. The original contract bearing my wet ink signature proving I agreed to assume this debt. 3. A copy of any judgment, if applicable. 4. The name and address of the original creditor. 5. Documentation showing your legal authority to collect this alleged debt. 6. Proof that your company is licensed to collect debts in my state. 7. Complete payment history and itemization of all charges, fees, and interest. 8. Copies of all documents bearing my signature associated with this alleged account. Be advised that reporting unverified or inaccurate information to any credit reporting agency violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore, pursuant to 15 U.S.C. 1692c ( c ), this letter serves as a formal CEASE AND DESIST notice. You are hereby instructed to cease all communication with me regarding this alleged debt except to provide the validation requested herein or to notify me of specific legal remedies being pursued. If you can not provide the requested validation, including a signed agreement with my wet signature, within fifteen ( 15 ) calendar days from receipt of this notice, you must : Immediately cease collection activity ; Remove this account from all credit reporting agencies ; Notify all credit bureaus that the account is disputed and unverifiable ; Provide written confirmation that the account has been deleted from my consumer report. Failure to comply with federal law may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and possible civil litigation for violations of the FDCPA and FCRA. This is not a refusal to pay, but a notice that your claim is disputed and validation is required. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IA

Complaint narrative:
I am writing to formally document a concern regarding my recent interaction with a customer service representative with Ed Financial Services, XXXX ( I did not get a last name ). During my call on Thursday, XX/XX/year> at XXXX ( XXXX ), I found the service provided by XXXX to be unprofessional and disrespectful in tone and approach. As a borrower seeking assistance with my federal student loan account, I expected clear, respectful, and patient communication. Instead, I the tone and approach I received was dismissive, short and reproachful and not treated with the level of courtesy and professionalism that ( 1 ). I've received in past encounters and ( 2 ). should be standard for customer service representatives handling sensitive financial matters during this uncertain time. I am requesting that this interaction/audio of the call be reviewed, shared with me, and appropriately addressed. Additionally, I would appreciate clarification on my account questions and assistance from another representative if needed. Please confirm receipt of this complaint and advise on any next steps to XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
" I am a XXXX on a fixed income. I have been on the deed of my primary residence since 2016. The servicer is violating 12 CFR 1024.38 by refusing to recognize my Successor in Interest status. They have systematically rejected my valid monthly payments to manufacture an artificial default and secure a state summary judgment. '' Late fees increasing monthly and adding legal fees will make payment harder to repair. Bank says I am not human and does not reconise me as property owner and Law firm acknowledge me by trying to foreclose on me by name. Shellpoint states they are a collection company and will not acknowledge me as the property owner. I cant get other funding or repair help because of threat of foreclosure. It is causing me hardship in many ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX ( PayPal , Inc. ) regarding the permanent deactivation of my account, their repeated refusal to review valid identity verification documents, and the unlawful holding of my personal funds totaling {$69.00}. The timeline of events proves that I have acted in complete good faith, while XXXX has relied entirely on automated rejections ; The Initial Suspension was on XX/XX/year> : XXXX suspended my account due to " unusual activity '' and requested a photo ID via their upload form. I submitted it immediately. Then, on XXXX XXXX XXXX, without providing any specific reason or opportunity to correct a potential upload error, XXXX permanently deactivated my account under XXXX ID # XXXX. When I asked for clarification and requested my funds, Support XXXX XXXX XXXX refused to release the money, stating it would be held for up to XXXX days under the " Refunds, Reversals and Chargebacks '' policy. After waiting XXXX days to hear any updates, on XX/XX/year>, in a secondary attempt to prove my identity and resolve the block, I proactively emailed Venmo a clear, direct attachment of my valid Driver 's License. Then on XX/XX/year> under a new Request ID # XXXX, Support XXXX XXXX XXXX issued another boilerplate response, completely ignoring the valid ID attached, reinstating the permanent ban, and refusing to divulge their decision-making criteria. XXXX is abusing its User Agreement to operate as a XXXX box. They demand sensitive identity documents, but when a consumer provides a completely valid, government-issued state ID, they ignore it, lock the account permanently, and seize liquid funds for half a year under the guise of " loss prevention ''. There is no risk of liability regarding my balance ; it is my personal property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In reviewing my XX/XX/XXXX credit card statement for my account ending in XXXX, I found a billing discrepancy. The statement summary shows {$170.00} in purchases, but the itemized transaction list for the same billing cycle shows only one charge, the authorized XXXX XXXX installment of {$25.00}. There are no other purchases listed for the cycle. The statement also displays a {$140.00} XXXX transaction dated XX/XX/XXXX, but this charge is from XXXX and was previously reversed as part of a fraud dispute. It should not be included in the XXXX purchase total. The XXXX statement is therefore mathematically inconsistent, because the itemized activity does not add up to the purchase total shown in the summary. I received an email on XX/XX/XXXX notifying me of a minimum payment due, but I did not receive the physical XXXX statement at that time. I later received the statement and confirmed the discrepancy. I contacted Chase Executive Office on XXXXXX/XX/XXXX to request a reprint of the XXXX statement and asked Chase to upload all XXXX transactions and an explanation directly to the CFPB portal. Chase acknowledged my complaint but has not yet provided the corrected documentation or an explanation for the discrepancy. I am requesting that the CFPB keep this complaint open until Chase uploads the complete XX/XX/XXXX statement, all XXXX transactions, and a clear explanation of why the XXXX purchase total does not match the itemized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Formal Complaint : Violation of Regulation E / Unauthorized Charges on Navy Federal Account The Issue : Navy Federal Credit Union has twice denied a fraud claim for unauthorized charges totaling [ Insert Total Amount ] occurring between XX/XX/XXXX and XX/XX/XXXX in Indiana and Illinois. Total amount of transactions : {$4800.00} Key Facts Proving Fraud : No Physical Card : I never received the physical card. It was mailed to my Home of Record in XXXX, TX, where mail piles up as I only visit 56 times a year. I only ever utilized a digital card number sent via email and activated over the phone. The physical card was either intercepted in transit or compromised while sitting in the mailbox. Location Impossibility ( XX/XX/XXXX - XX/XX/XXXX ) : I was present for XXXX XXXX XXXX at XXXX XXXX, GA from XX/XX/XXXX to XX/XX/XXXX. I have provided my official XXXX XXXX XXXX XXXX XXXXXXXX proving my presence in Georgia, making it physically impossible for me to make charges in Indiana or Illinois. Location Impossibility ( XX/XX/XXXX - XX/XX/XXXX ) : On XX/XX/XXXX, I took approved ( pass into leave ) leave to travel to XXXX, TX. I have provided statements from my primary financial institution ( XXXX XXXX XXXX XXXX ) showing a clear paper trail of my physical route ( gas stations/purchases in XXXX, Mississippi, and along the direct route to XXXX, Texas ) XXXX At no point did I travel to or near Indiana or Illinois. From XX/XX/XXXX through XX/XX/XXXX, I was in XXXX, TX. Account Intent : This Navy Federal account was opened strictly for school purposes and as an emergency backup. My primary XXXX XXXX pay and daily transactions go entirely through XXXX XXXX XXXX XXXX XXXX I made XXXX authorized transactions on this NFCU account during this timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX : XX/XX/XXXX, XXXXPortfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX : Formal Complaint Failure to Validate Alleged Judgment Debt / Improper Collection Activity PRA Reference # : XXXX Alleged Original Creditor : XXXX / Online Bank Alleged Account Ending : XXXX Alleged Judgment Case No. : XXXX ( XXXX XXXX, XXXX XXXX ) To Whom It May Concern : I am submitting this formal complaint regarding Portfolio Recovery Associates continued attempts to collect an alleged judgment debt that has not been validated, not supported by documentation, and appears to be based on improper or nonexistent service in the underlying lawsuit. On XX/XX/year>, I mailed a written dispute and validation request to your attorney, XXXX XXXX XXXX, XXXX. This letter was delivered on XX/XX/year>, as confirmed by USPS tracking and the XXXX XXXXXXXX XXXX XXXX. I sent a second written notice on XX/XX/year>, which was delivered on XX/XX/year>. To date, no validation, documentation, or response has been provided. Your XX/XX/year> letter states that if I dispute the debt by XX/XX/year>, you must cease collection and provide validation. I disputed well before that date, yet no documentation has been provided. I am requesting the following : 1. Full validation of the alleged debt, including : Proof of ownership and chain of assignment Copy of the original petition Sheriffs return of service Itemized accounting Business records supporting the amount claimed Identity of the current creditor 2. Proof of proper service in the underlying lawsuit, including : Date of service Method of service Name of the individual allegedly served 3. Immediate cessation of all collection activity until full validation is provided. 4. Correction of any internal records if you can not validate the debt. This complaint is being documented for regulatory and court purposes. I reserve all rights under state and federal law. Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/year> multiple transactions hit my cash app account that were not authorized by me. All these transactions happened XXXX right after the other and I was not given the opportunity to deny them in real time. Upon getting notified by my bank that fraudulent transactions were happening on my account ( which my cash app was connected to ) I contacted Cash app and informed them that this was fraudulent activity and I did not authorize any of them. Upon signing into my cash app account at that time I noticed that there was a XXXX debit card attached to my account that was not put there by me. I did inform cash app of this as well. Needless to say my account was hit with XXXX - {$200.00} withdrawals and XXXX withdrawal {$500.00} XXXX right after the other for a total loss of {$1500.00} A fraud claim was filed with Cash app the same day- which they denied less than XXXX hours later " stating that I authorized these transactions '' which I absolutely did not. I have refilled a new claim on XX/XX/year> and provided Cash app with the same information as before. I have to wait another XXXX days to find out if the is company will do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
b"I am a victim of a XXXX XXXX, that occured in XXXX XXXX. I have a police report with the XXXX Police department (XXXX Police Department case #XXXX XXXX). On XXXX XXXX XXXX, I was coerced into making a XXXX XXXX transfer and withdrawing XXXX from a Chase ATM. Because of this, my account balance fell, and I was charged a XXXX monthly maintenance fee. I am actively cooperating with law enforcement, whose report is attached.\n \n On XXXX XXXX XXXX, after obtaining the police report, I visited a Chase branch in XXXX XXXX to file a fraud dispute for these three charges. I provided a copy of the police report and my account statements. The branch banker told me they could not assist me because I had willingly made the transactions, and they refused to open a dispute or provide any alternatives.\n \n Chase's denial ignores the official police report documenting that these were coerced transactions related to a crime. Under Regulation E of the Electronic Fund Transfer Act (EFTA), a transfer induced by fraud is considered an unauthorized EFT, and Chase has a legal duty to investigate. I am requesting that the CFPB compel Chase to conduct a proper fraud investigation and reimburse me for my losses."

Company response to consumer: Closed with explanation