vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: NJ

Complaint narrative:
I do not have any previous relationship with XXXX XXXX but there have been series of unauthorized ACH charges getting taken out of my checking account since XX/XX/XXXX. XX/XX/XXXX {$1000.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} I do not have any previous relationship with XXXX XXXX XXXX XXXX XXXX XXXX but there have been series of unauthorized ACH charges getting taken out of my checking account since XX/XX/XXXX. XX/XX/XXXX {$260.00} AXXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$49.00} XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX$49.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am submitting this formal dispute regarding inaccurate and unverifiable information currently being reported on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). Account Information : Creditor/Collection Agency : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Collection Account I am disputing this account in its entirety. The information being reported is inaccurate, incomplete, and/or can not be verified. As such, its continued reporting constitutes a potential violation of federal law. Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of any information reported. Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation when a consumer disputes information. A superficial or automated verification process does not satisfy this requirement. Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. You are required to provide competent evidence that I have a legal obligation to pay. Accordingly, I demand that you provide the following : 1. Complete account-level documentation, including original creditor information and full payment history 2. A copy of any signed agreement or contract bearing my signature 3. Documentation evidencing your legal authority to collect on this debt 4. A detailed description of the method of verification used to validate this account, including the name, title, and contact information of the individual or entity that verified the information Be advised : If you can not provide the requested documentation, you must delete this account immediately from all consumer reporting agencies to which it has been furnished.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account was locked over 2 weeks ago due to an apparent fraud attempt. I was told Id receive my bank card within 10 business days. Its been well over 2 weeks and they still havent sent my card out yet and my account is still locked. This is absolutely absurd and causing me a lot of problems financially besides a myriad of inconveniences. And its impossible to get a hold of customer service unless you actually walk into a building. All of my billing and subscriptions are connected to this account. The fact they are acting in XXXX urgency is appalling.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Back in XX/XX/XXXX, I canceled my XXXX auto policy and switched to XXXX on that very day. I paid whatever I needed left to XXXX and canceled my policy with them. They apparently reinstated my auto policy without my authorization. I had no idea. I found out in XXXX and told them to stop this payment and I have already switched to XXXX so they billed me incorrectly. So then I go to purchase a house in XXXX of XXXX, and come to find out my credit is below XXXX because XXXX sent me to a collections agency for not paying the {$520.00} they said I owed them. I contacted XXXX and explained AGAIN that they screwed up and they needed to fix it. We lost the house... I called XXXX again and explained and then they said they needed proof. So I sent a copy of the welcome email of XXXX that I received the same day I canceled XXXX. They said that was not good enough, I then sent them the Declarations page I received from XXXX. Apparently they said they fixed it, however I am currently, with my XXXX XXXX XXXX wife, trying to purchase another home and my XXXX credit is still a XXXX because XXXX has not received anything from XXXX or the collections agency saying that the {$520.00} was not at the fault of me. I am now expected to lose {$1300.00} on this deal if my credit is still low. PLEASE HELP! I have been on the phone with XXXX for over XXXX hours within the past 2 months and on HOLD not even talking to a person with the collections agency for over XXXX hours. I have done everything in my power to rectify this even though I canceled my policy the correct way. I am being tormented and punished by this company and it is affecting my ability to purchase a home. I have called every credit union too to see if they can fix it on their end, but to no avail, they are waiting on the collections agency and XXXX. I have attached the Declarations page I sent XXXX two months ago. Sorry for the file name, but you can see my frustration I have with this company firsthand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Purchase was made in. XXXX and returned unopened in XXXX. Package showed through mail was delivered on return and confirmed by company with charges. They will not cash a check that was sent or take the charge off the card even though they received the package. XXXX purchase, XXXX credit don't show on statement They say we owe XXXX Woman within is the company Comenity bank is the credit card woman within uses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: Paypal Holdings, Inc
State: SD

Complaint narrative:
My card was charged items not received i submitted my case with Venmo and waited the time. I was advised that the merchant has 29 days to respond that was XX/XX/XXXX. XX/XX/XXXX came and the merchant did not make the deadline. I was informed by XXXX agents and a supervisor that the case would be closed and in my favor. And it did not I need help with my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: GA

Complaint narrative:
I am submitting a formal consumer complaint against Klarna for failing to return funds that were refunded by a merchant and for providing misleading information regarding the status of that refund. On XX/XX/year>, XXXX confirmed that my reservation ( Confirmation # XXXX ) was canceled free of charge, with a total cancellation cost of {$0.00}. XXXX further confirmed that a full refund of {$1800.00} was issued to Klarna and provided an XXXX XXXX XXXX ( XXXX : XXXX ), which is a traceable transaction identifier within the payment network. Despite being provided with this XXXX, Klarna has repeatedly stated that they have not received the refund. This claim is inconsistent with standard payment processing practices, as an XXXX allows the receiving financial institution to trace and locate the transaction. Klarna has failed to demonstrate that a proper trace or investigation has been conducted. I have made XXXX out of XXXX payments toward this transaction, totaling {$1500.00}, which Klarna continues to retain. Klarna paused my payments on XX/XX/year>, after I initiated a dispute, indicating acknowledgment of an issue, yet they have failed to resolve it. I have contacted Klarna multiple times on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> During each interaction, I was told the issue was under investigation, but no resolution or meaningful update has been provided. It has now been nearly XXXX days since the refund was issued by the merchant. XXXX actions raise serious concerns, including : Failure to properly process or apply refunded funds XXXX of consumer funds without justification Providing inaccurate or misleading statements regarding the status of a traceable refund Failure to resolve a billing dispute within a reasonable timeframe These actions may constitute violations of state consumer protection laws prohibiting unfair or deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: FL

Complaint narrative:
I went to local convenience store locations all if them were XXXX XXXX except XXXX XXXX location but i was not able to ever receive no money from the ATM I finally review my account some days later because I've been having issues logging in for a week and on my netspend account I see that my balance is low and I need help with receiving this money that the ATM took from me I've used ATM with netspend at other XXXX XXXX locations and other convenience locations around me and this is the first were I'm having errors were I never received no money from them and they are not helping me with not receiving no cash back from thesevATMs

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, I received a PayPal payment of {$170.00} from XXXX ( transaction ID : XXXX ; sender transaction ID : XXXX ) as an authorized refund for XXXX undelivered shipments from a prepaid subscription. I am the recipient of this refund -- I am not a seller. On XX/XX/XXXX, PayPal notified me that XXXX was contesting the transaction as " unauthorized. '' I immediately notified PayPal, through their dispute resolution center, that this was an authorized refund from XXXX to me. I uploaded an email from XXXX confirming that this was an authorized refund. On XX/XX/XXXX, PayPal ruled against me and clawed back the refund and, in addition, charged me a {$15.00} dispute fee. This left my PayPal account with a negative balance. PayPal 's stated reason for ruling against me was that " the proof of delivery you provided was invalid. '' This is a fundamental error : I am the recipient of a refund, not a seller of goods or services. Seller Protection standards are categorically inapplicable to my position in this transaction. I am attaching an email from XXXX demonstrating that the refund was authorized. ( I provided the same email to PayPal previously, as mentioned above. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: TN

Complaint narrative:
Jefferson Capital Systems continued collection activity after receiving my formal FDCPA 809 ( b ) debt validation request. I sent a written dispute and validation request on XX/XX/year>, and XXXX tracking confirms it was delivered to XXXX XXXX on XX/XX/year>. They did not provide any of the required validation documents. Instead of validating the debt, XXXX XXXX continued collection activity. On XX/XX/year>, they sent me a settlement demand letter, stated that my account had been placed with their internal legal department, and attempted to collect {$3900.00} or a reduced settlement of {$2500.00}. This occurred while my dispute was still open and unresolved. During this same period, XXXX XXXX also updated the account on my TransUnion credit report. TransUnions investigation results show that XXXX XXXX verified the account and updated the Date Updated, Rating, and Historical Trended Data during an active dispute. Updating or verifying information during a pending validation request is prohibited. XXXX XXXX actions violate multiple federal laws, including FDCPA 809 ( b ) ( continued collection without validation ), FDCPA 807 ( 8 ) ( false credit reporting ), FCRA 623 ( a ) ( 1 ) ( A ) ( reporting information they can not verify ), FCRA 623 ( a ) ( 3 ) ( failure to properly report the account as disputed ), FCRA 623 ( a ) ( 5 ) ( illegal re-aging ), and CFPB Regulation F 1006.30 ( prohibited collection activity during dispute ). I have attached the validation request, XXXX delivery confirmation, XXXX Capitals XX/XX/XXXX settlement letter, and the TransUnion investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX by XXXX for failure to provide services, false or misleading advertising, lack of communication, and refusal to issue a refund. On XX/XX/year>, I paid {$3500.00} by credit card to XXXXXXXX XXXX by XXXX. I was told that the company would rent our timeshare to businesses and that we would receive a payout close to {$20000.00} within XXXX days. These representations were a major factor in my decision to move forward and pay the deposit. More than XXXX full year has now passed, including the initial XXXX period and an additional XXXX period, and no payout has been received. The company has provided no proof of rental activity, no documentation, no contracts, and no evidence that any work was ever performed. I made multiple phone calls attempting to get updates. On a recorded line, the business stated that we were close to a payout. After that call, communication stopped entirely. During our last contact, we specifically requested documentation proving their claims and a refund. Since that request, the company has gone completely silent and has not returned calls or provided any resolution. At this point, this appears to be false advertising and a failure to render services. The business has made no attempt to resolve the issue, has not contacted us, and has retained our money without providing the promised service. I have formally requested a full refund of {$3500.00} and I have also filed a credit card chargeback, which has been denied twice by Navy Federal Credit XXXX. It XXXX due to the longevity of the case, but I could not have known the service would fail until that period passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2026 Via Certified Mail Return Receipt Requested Consumer Protection Branch U.S. Department of Justice Civil Division XXXX XXXX XXXX, XXXX. XXXX XXXX DC XXXX RE : FORMAL REQUEST FOR FEDERAL AUDIT CREDIT REPORTING AND DEBT COLLECTION PRACTICES Account Reference : XXXX ( Resurgent Capital Services ) To Whom It May Concern : I respectfully submit this letter as a formal complaint and request for a federal audit concerning debt collection and credit reporting practices involving Resurgent Capital Services and nationwide consumer reporting agencies. I disputed an alleged debt identified as Account XXXX. Despite the absence of lawful debt validation, collection activity and credit reporting have continued. These actions implicate the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), which prohibits continued collection activity after dispute absent verification, and the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s2 ( b ), governing accuracy, reinvestigation, and furnisher obligations. Of particular concern is the apparent allowance of collection agencies to pursue collection or litigation without producing underwriting contracts, proof of assignment, or documentation bearing the consumers signature, while unverified tradelines remain reported. I respectfully request that the Department conduct an audit and determine whether these practices constitute systemic violations of federal law warranting enforcement action. Supporting documentation is enclosed. Respectfully submitted, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 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: GA

Complaint narrative:
I have no knowledge of the debt and the company hasnt validated it. Proper validation includes a full itemized bill statement. The original signed contract. And proof displaying that the debt belongs to you. Amount is {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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