vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: PR

Complaint narrative:
I am filing this complaint against Credit Control , LLC for multiple and ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ) regarding an alleged debt ( Reference # : XXXX ). Timeline of Events XX/XX/year> : I sent a formal written dispute and validation request via email, explicitly detailing my rights under 15 U.S.C. 1692g. I also placed the collector on notice that their validation was deficient and requested they cease telephone communication. PostXXXX XXXX, 2026 : Credit Control , LLC ignored my dispute and validation request and continued placing collection calls, which is a direct violation of 15 U.S.C. 1692g ( b ) ( requiring all collection activity to cease until validation is provided ). XX/XX/year> : I emailed a second, more detailed cease-and-desist letter, again demanding all telephone communication stop. My phone number is registered on the National Do Not Call Registry. XX/XX/year> : Credit Control , LLC responded via email, stating " This account is no longer active with us. '' Since XX/XX/year> : Despite their response that the account was closed and my repeated cease-and-desist demands, Credit Control , LLC has called my phone number at least 10 times. This makes it clear the calls are for harassment, not legitimate collection as the account is " closed. '' Specific Legal Violations FDCPA Violation ( 15 U.S.C. 1692c ( c ) ) : Continued calls after my clear written cease-and-desist demand of XX/XX/year>. FDCPA Violation ( 15 U.S.C. 1692g ( b ) ) : Continued collection activity ( phone calls ) after my XX/XX/year> validation request, without providing any validation. TCPA Violation ( 47 U.S.C. 227 ) : Continued calls to a number registered on the National Do Not Call Registry after I revoked any prior consent. Requested Resolution I request that the CFPB direct Credit Control , LLC to immediately cease all telephone communication and provide the debt validation I lawfully requested over a month ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding multiple overdraft fees that were charged to my checking account, despite my immediate efforts to resolve the issue. On XX/XX/XXXX, I received a notification that my account had been overdrawn by - {$150.00}. As soon as I became aware of this, I transferred {$150.00} from my savings account the same day to correct the balance and prevent any further issues. Despite taking prompt action, I received another notification on XX/XX/XXXX indicating my account was overdrawn again by the same amount- {$150.00}. When I reviewed my account this morning, I was shocked to find that four overdraft fees had been charged, bringing my balance to approximately - {$260.00}. It appears these fees may have been applied while my transfer was still processing. Total overdraft fees {$130.00}. This situation is extremely upsetting and financially harmful. I am currently XXXX, and my Chase account reflects this, as my unemployment deposits were deposited in this assount and have stopped. At this time, the only income I receive is XXXX XXXX for my daughter. That money, along with very limited savings, is what I rely on to pay rent and meet basic needs. The XXXX XXXX is deposited into my Chase account. I made every effort to correct the overdraft immediately, and I do not understand how that resulted in multiple fees that I can not afford. These fees have placed an additional and significant burden on my household. If these overdraft fees are taken from the XXXX XXXX, which we rely on for rent, it will create an immediate hardship and put our housing stability at risk. I have also taken further steps to avoid any additional issues by transferring another {$100.00} into my account this morning. I am respectfully requesting that these overdraft fees be reviewed and waived, as I acted promptly and in good faith to resolve the situation. I believe the fees are unreasonable given the circumstances. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
This is a follow-up to Complaint No. XXXX, filed yesterday. I tried again to contact XXXX. I was able to cancel XXXX XXXX going forward, but XXXX refuses to refund for past charges for this service which I never ordered and never used. Under cover of AI, XXXX is keeping payment for services it sneaked in through its automated app. It offers no human customer service. So a consumer is stopped by an AI-wall, the victim of AI. I finally got in, after a half-hour to a Bank of America XXXX XXXX BOA does not allow consumers to dispute online anymore, even though it advertises that it does. This is a tactic to make disputation so onerous that a consumer would rather give up. The XXXX should require BOA to restart it online disputation on a robust basis. The BoA rep refused to dispute this transaction, in violation of law. She cited XXXX 's policy of not refunding back charges. Obviously, that is precisely the legal question. Then, the rep said she would put a supervisor on the line, disconnected me, and never called back. The XXXX is the last bulwark a consumer has against AI that proft-seeking companies are using to amass and keep fees they do not earn, and to avoid serving customers thoroughly and fairly. Both of these companies are hugely successful. XXXX has made them so. They can afford to treat the people that helped them prosper with respect and honesty. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered multiple accounts on my credit report that I did not open or authorize. These include credit cards, a personal loan, an auto loan, and a mortgage account reported with large balances and serious delinquencies. Several accounts show charge offs, late payments, and even foreclosure status. For example, XXXX account reports over {$36000.00} charged off and another shows over {$420000.00} with foreclosure activity. These balances and histories are not mine. There are also clear inconsistencies in reporting. XXXX account shows it was sold to another lender but still reports under the original creditor. Another shows a closed and paid account but still reports late payments. These contradictions indicate inaccurate and unreliable reporting. I disputed these accounts with the credit bureaus and stated that they are fraudulent and the result of identity theft. Despite this, the accounts remain on my report without proper verification. Under FCRA XXXX, identity theft accounts must be blocked. Under FCRA XXXX, the bureaus must conduct a reasonable investigation. Under FCRA XXXX, furnishers must report accurate information. Under FCRA XXXX, the bureaus must maintain maximum possible accuracy. The continued reporting of these accounts shows a failure to properly investigate and verify the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
My Vanilla Gift card was drained by a scammer for gambling. I have the physical card. The company 's phone system and website are broken/looping and preventing me from speaking to a human to report fraud. I want my funds restored under Zero Liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX applied a transaction to my account for {$250.00}, without providing me any explanation as to what the charge was related. Further, XXXX erroneously label the charge as " Balance Transfer. '' Initially, when I called, I as the representative to explain this balance transfer. She stated that it was the " balance leftover '' from my previous account in XXXX. I told the representative that didn't make sense because I pay off my bill at the end of every month. XXXX further review she stated it was possible that the charge originated from a dispute I filed on XX/XX/XXXX for {$250.00}. She stated that she would need to research it and get back to me. After I got off the phone, I was able to determine that the charge was related to a dispute I filed. The issues is now that regardless of the underlying dispute, XXXX can not rebilll my account, reverse a prior credit, or reassert the disputed amount if XXXX failed to comply with the billing error resolution procedures required by the Truth in Lending Act ( TILA ) and Regulation Z, XXXX XXXX XXXX XXXX XXXX XXXX. Under XXXX C.F.R. XXXX ( c ) ( XXXX ), a creditor must comply with the applicable error-resolution procedures within XXXX complete billing cycles, but in no event later than XXXX days, after receiving a billing-error notice. If XXXX determined that I owed all or part of the disputed amount, XXXX was required to timely complete its investigation and provide a written explanation setting forth the reasons for that determination before reasserting, rebilling, or collecting the amount ... if a creditor fails to mail or deliver the required written explanation or otherwise fails to comply with the error-resolution procedures, the creditor generally must credit the disputed amount and related finance or other charges to the consumers account. Here, XXXX failed to timely complete its investigation from XXXX and failed to provide written explanation it it determined that I owed all or a part of that disputed amount and the reason for refilling. In this case, XXXX tried to label the charge as " balance transfer, '' without any written explanation. The error-resolution period expired long before XX/XX/XXXX. Unless, XXXX and prove it provide me more that on credit, it must reverse the charge it put on my account an XX/XX/XXXX. This is not the first time XXXX has reversed a credit or temporary credit without first disclosing to me that it was going to do so

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a dispute with Wells Fargo due to unauthorized charges on my account from XXXX. After the dispute was denied I provided them evidence that Im not even eligible to book a car on the car sharing rental platform XXXX and cant even have an account with that company to which they hardly even acknowledged and said they wont re open the claim. To add insult to injury they then proceeded to close all of my Wells Fargo accounts and ban me from online access without notice. So now Im out funds I didnt authorize and multiple account after being an account holder for years. Also had to wait for tax refund check due to account closure and the account was listed as my direct deposit on tax refund to then be denied by bank and sent back to irs .. Id like my fraudulent charged funds back and will proceed with taking my banking needs to a better more caring and professional bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding a credit card charge for services not rendered and the inability to dispute the charge. I was charged {$350.00} by XXXX XXXX XXXX XXXX XXXX ) for a flight. I initially filed a dispute with Citibank, but canceled it after the merchant indicated a refund would be issued. Citibank has confirmed that after I canceled the dispute, the funds were released back to the merchant ( reference XXXX, posted XX/XX/2026 ). However, the merchant never issued a refund, and I did not receive the flight service. I currently have : * No ticket * No service provided * No refund issued Citibank has refused to allow a new dispute on this charge, stating that the previous dispute was canceled. This leaves me with no recourse despite being charged for a service that was never provided. I am requesting that Citibank : 1. Allow a new dispute or reopen review of this charge under services not rendered, or 2. Otherwise assist in recovering the funds from the merchant. This is a charge where I paid but received no service and no refund, and I am seeking resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: DC

Complaint narrative:
On XX/XX/XXXX I noticed two unauthorized transactions on my PayPal account associated with my email XXXX. Both are transactions completed by a company named XXXX. I am not associated with nor heard of this firm. A fraudulent account was initiated. I was charged a {$500.00} membership fee and an additional transaction of {$960.00}. I reported the suspicious activity within 5 minutes to PayPal. The membership fee of {$500.00} was credited back to my bank account. PayPal did not refund the {$960.00} stating there was no unauthorized activity. I did not make the charges. My account was hacked. PayPal will not give me my money back. Below is a cut/paste of the correspondence : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal transaction history. Transaction details Transaction amount {$960.00} USD Transaction ID XXXX I am a victim of fraud. Please open an investigation into this fraudulent activity. I have no history of transactions with this company nor have an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: CA

Complaint narrative:
About 5 weeks ago, American Expressed opened a case in order to resolve purchase protection claim XXXX This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CA

Complaint narrative:
About 5 weeks ago, American Expressed opened complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
My mother passed XX/XX/year>. I provided bank with all requested documents, Death certificate, Heir affidavits, Police reports. Her account was fraudulently used by someone in the hospice center who changed online log i and mailing address. I filed claims of wire fraud and check fraud. Both claims have been approved. One check for {$600.00} was finally received a couple weeks ago for the check fraud. The other check for {$970.00} has been sent out twice and we have not received it. I have driven 3 hours one was to bank numerous times to discuss this and was told another was issued, its in the mail. Spoke to bank manager, fraud department, claims and now the executive office. I am now being told that they can not discuss claim with me because I am not listed on the account and they need to speak to my mother. I am the only heir, they have already issues 1 check to me at my home address, I am the only person in contact with them. This has been ongoing for 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing because this debt is being recycled to bypass my rights. I have previously notified the debt owner ( LVNV Funding ) that I am judgment proof ( unemployed, no assets ) and have invoked my Cease and Desist rights under the FDCPA and California Rosenthal Act ( see Complaint ID XXXX ). Transferring the debt to XXXX XXXX XXXX after already disputing harassment for the previous two collectors for LVNV Funding is a bad-faith tactic to restart the daily harassment I previously experienced via debt recycling. I demand LVNV Funding LLC and their associated cease all contact immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed two disputes regarding a transaction with a merchant ( XXXX ). The disputes consisted of {$190.00} for a defective product and {$50.00} for an unfulfilled 15-day express production service. On XX/XX/year>, the company sent a formal email notification stating they had finished their investigation, determined that " an error occurred, '' and were closing the claim as resolved in my favor. They credited the {$190.00} but failed to credit the {$50.00} service fee associated with the same erroneous transaction. On XX/XX/year>, I contacted the company via phone ( 22-minute duration starting at XXXX XXXX ) to resolve the remaining {$50.00}. I was connected with a supervisor who provided patently false information regarding federal banking regulations. The supervisor explicitly stated that there are no time limits for a merchant to respond to a dispute and claimed a merchant " could take a year '' to respond. This statement is a direct violation of Regulation E ( 12 CFR 1005.11 ), which mandates a 90-day maximum resolution window for such errors. Furthermore, the supervisors claim that the merchant response is still pending contradicts the company 's own written notice from XX/XX/XXXX stating the investigation was " finished '' and " closed. '' The company is currently withholding funds for a service fee ( {$50.00} ) on a transaction they have already officially documented as an error. I am seeking the immediate credit of the remaining {$50.00} and a review of the company 's compliance training regarding Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing a complaint against Capital One Bank regarding their handling of a fraudulent transaction dispute on my account. On XX/XX/year>, I reported a charge of {$410.00} from XXXX that I did not authorize. This charge occurred on the same day all of my credit cards were stolen from my wallet. I was not immediately aware of the theft and only discovered it after receiving a notification of the charge. The bank opened an investigation ; however, a few days later, my claim was denied, with Capital One stating there was insufficient evidence of fraud and that information suggested I or another authorized user benefited from the transaction. I also received two communications from Capital One in immediate succession-one stating that an investigation into my claim had been opened, and another denying the claim. These communications appear to have been generated at nearly the same time. This raises concerns about whether a reasonable and thorough investigation was actually conducted prior to issuing the denial. I request clarification on the timeline of the investigation and the steps taken before the decision was made. I strongly dispute the conclusion reached by the bank. I did not make or authorize this transaction, and no authorized user on my account made this purchase. The transaction occurred after my wallet was stolen and before I had the opportunity to secure my accounts. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are protected against unauthorized transactions, and financial institutions are required to conduct a reasonable investigation and provide the results.

Company response to consumer: Closed with explanation