vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was charged {$3000.00} by a taxi driver in XXXX, XXXX on my credit card. The actual and agreed-upon fare for the taxi ride was {$30.00} the merchant charged exactly XXXX times the correct amount. I did not authorize a charge of {$3000.00}. While I did use my card for a taxi fare, authorization for a taxi ride does not constitute authorization for an arbitrary amount XXXX the actual fare. The distinction between authorizing a transaction and authorizing a specific fraudulent amount is critical here. I reported this to my credit card company immediately upon discovering the charge. The company opened a fraud investigation. However, on XX/XX/XXXX, without adequate explanation, the case was downgraded from a fraud investigation to a general dispute. On XX/XX/XXXX, I received a call informing me the claim would be denied unless I produced a receipt. This is an unreasonable and inappropriate standard for several reasons : 1. Taxi transactions in many jurisdictions, including XXXX, do not routinely generate receipts that consumers retain. 2. The burden of proof for a legitimate charge should rest with the merchant, not the consumer. 3. The charge itself {$3000.00} for a taxi fare is objectively anomalous and should have triggered heightened scrutiny, not dismissal. 4. My credit card company has failed to request any documentation from the merchant to substantiate the {$3000.00} charge. I am requesting the following : - Full reversal of the {$3000.00} charge - An explanation of why this case was downgraded from fraud to dispute - Confirmation that the merchant was asked to provide documentation justifying the charge amount This was a clear case of merchant fraud targeting a tourist. My credit card company 's failure to protect me from an obvious XXXX overcharge, and its demand that I produce a receipt as the sole basis for resolution, represents a failure of its consumer protection obligations. Account holder : XXXX XXXX Card issuer : Chase ( card type Preferred ) phone : XXXX Transaction date : XX/XX/XXXX Amount fraudulently charged : {$3000.00} Actual fare amount : {$30.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 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: TX

Complaint narrative:
Money was taken from my account because my card was lost and I was XXXX at time of purchases. I submitted police report as well as release paperwork the amount of funds were XXXX. Chime has never submitted me with documents finding no error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I need to report this Zelle user to yall for fraudulent and scamming and wont send their customers their orders or do their service their phone number is XXXX their name is XXXX XXXX but on XXXX their name is XXXX XXXX they need to be investigated and punishment and terminated and relationship need to be ended and disable and restrict and suspended and banned and put on hold and Zelle token need to be banned and disable and suspended and restricted and permanently disable or permanently limited or permanently suspended or permanently restricted and send yall investigation decisions to their bank if they have bank linked to their Zelle account so they can do they own investigation too to their checking and saving account so they investigate both accounts and close them out and put a restriction on it or suspension on it and end their banking relationship and terminate their relationship with their bank relationship terminated it etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX ( CCI ) for continued harassment and failure to comply with federal consumer protection laws. In XX/XX/year>, I sent CCI a formal cease and desist letter instructing them to stop all communication with me regarding an alleged debt. Despite this, I continue to receive repeated phone calls from their company. These ongoing contacts are unwanted and constitute harassment. In addition, I requested proper debt validation, including the method of verification used to confirm the accuracy and ownership of the alleged debt. To date, CCI has failed to provide this information. Their failure to validate the debt while continuing collection attempts is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). CCIs actions include : Ignoring a formal cease and desist request Continuing to place repeated calls, causing harassment Failing to provide required debt validation and method of verification I am requesting that this matter be investigated and that appropriate action be taken to ensure compliance with federal law. I also request that CCI cease all communication with me immediately and provide proper documentation if they intend to pursue this matter further. Thank you for your attention to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Re : Account Number : [ Insert Account Number ] To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request validation of it pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : - The name and address of the original creditor - The full account number- The amount of the alleged debt, including an itemization of fees, interest, or charges - Documentation showing that I agreed to this debt - Proof that you are legally authorized to collect on this debt - A copy of any judgment ( if applicable ) Additionally, if this debt has been reported to any credit reporting agencies, please provide the name of those agencies and verify that the information reported is accurate. Until you provide proper validation, I request that all collection activities cease and that this account is not reported or is removed from my credit report. If you can not validate this debt, you must cease collection efforts and notify any credit reporting agencies to remove the account. I prefer communication in writing only. Sincerely, [ Your Signature ] [ Your Printed Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Central Research Inc
State: GA

Complaint narrative:
In late XXXX my lender switched to XXXX. I received notice that my student loans were due and it showed up as debt on my credit. I applied again for deferment /forbearance and the lender approved however my student loans are now showing as debt on my credit report. Before this happened I only had credit card debt less than XXXX that showed now it shows I owe XXXX for student loans. I reached out to the lender and they said they couldn't help. I asked for a supervisor and they refused the call. I am getting frustrated because I can see the difference. I was about to close on a home loan and now they backed out. Its impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am currently a special education teacher with public student loans. I have faithfully submitted my application for XXXX XXXX XXXX XXXX with my qualifying employer for 10 years. I have become eligible for loan forgiveness. I enrolled in the XXXX plan when it became available under the guidance of Federal Studen Aid. When I became eligible for forgiveness, I contacted XXXX Student Aid to request my loan buyback amount. This form was submitted on XX/XX/year> ( confirmation number XXXX ). Upon submitting, I realized that XXXX of my loans were miscalculated and therefore not showing up as qualifying. This is an error by Federal Student Aid as these loans were distrubuted and had payments made at the same times as other qualifying loans. I called Federal Student Aid and was directed to fill out another request stating the issue. This was submitted on XX/XX/year> ( confirmation number # XXXX ). There have not been any updates to my case. I have not heard anything about either case and now the XXXX plan has ended. I am worried that I will have to begin paying loans that should have been forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding XXXX accounts reported by United Revenue that I dispute. Acct : # XXXX {$1600.00} Acct : # XXXX {$1500.00} I believe these account is inaccurate and/or does not belong to me. The information being reported is either incomplete, incorrect, or has not been properly verified. I have not received sufficient validation of this debt despite my requests, and the reporting of this account is negatively impacting my credit. I am requesting that United Revenue provide full validation of the alleged debt, including original creditor information, account details, and proof of my responsibility. If they are unable to properly verify this account, I request that it be removed from my credit report immediately. Please investigate this matter and ensure that my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I need to report these XXXX Cash App users who is doing scam and fraudulent wont send their customer their orders or do their service cash app is $ XXXX and other cash app tag is XXXX XXXX for both cashapp tags need be investigated and punishment and accounts closed and relationship termination and ended etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
On or about XX/XX/year>, I received a written debt collection letter from Radius Global Solutions regarding an alleged XXXX XXXX XXXX, XXXX. debt in the amount of {$8200.00}. This appears to have been the first written communication I received from this debt collector regarding this account. The letter stated the balance due and included settlement and payment offers, including an offer to resolve the account for {$3300.00} through installment payments beginning on or about XX/XX/year>. However, the letter did not include the required validation notice. Specifically, it did not state that I had 30 days to dispute the debt, that the debt collector would assume the debt valid if I did not dispute it within that period, or that I could request verification of the debt, or request the name and address of the original creditor if different from the current creditor. These are core elements of the validation notice required by 15 U.S.C. 1692g and CFPB Regulation F, 12 C.F.R. 1006.34. I checked the reverse side of the letter and reviewed the mailing materials I received. There was no validation notice on the back and no separate notice page enclosed. I am submitting this complaint because the first written collection notice I received demanded payment and offered settlement terms but did not include the required notice of my dispute and validation rights.

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 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Submit a complaintStep 3 of 5 What happened? Describe what happened, and well send your comments to the companies involved. Include dates, amounts, and actions that were taken by you or the company. Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Publishing this description will not affect how the CFPB handles your complaint. Inactive modal What would be a fair resolution to this issue? Well forward this to the companies involved. Be specific so they know what resolution you are looking for. The company may or may not offer to resolve your complaint.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX XXXX, an unauthorized ACH withdrawal was initiated from my Coinbase account ( Transaction Reference # : XXXX ) for {$31000.00}. I immediately reported this transaction as fraud, locked my account as instructed by a Coinbase representative, and requested an ACH recall under XXXX unauthorized transaction procedures ( XXXX ). I was told that a concierge team would contact me within XXXX hours, but no contact has been made. Because my account is locked, I am unable to submit additional support tickets or access normal support channels. Despite multiple attempts, I have been unable to reach a live representative. The transaction remains pending and time-sensitive, yet Coinbase has provided no confirmation that a recall has been initiated or that any action has been taken to stop or mitigate the transfer. The funds are being directed to a Shopify Balance account ( via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I do not own or control. XXXX has indicated they can not freeze the funds without authorization from Coinbase. This situation creates a critical failure point where a clearly reported fraudulent transaction is allowed to proceed due to lack of timely action or communication from Coinbase. I reached out to XXXX and to XXXX, they inform me that Coinbase must take action and inform them to freeze the transaction. What I'd like Coinbase to do : -Immediately confirm that an ACH recall ( XXXX ) has been initiated -Escalate this matter to the fraud and payments team without delay -Take all available steps to prevent completion of the transaction -Provide direct communication and status updates Harm Suffered : -Significant risk of financial loss due to a fraudulent transaction proceeding despite immediate reporting and repeated attempts to obtain assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am submitting this complaint regarding a credit card account that was opened in my name without my knowledge, authorization, or consent. I did not apply for this account, I did not authorize any person to apply on my behalf, and I have never received or used a credit card associated with this account. Because I did not open or authorize this account, I believe it is the result of identity theft and fraudulent activity. This account has appeared on my credit report and/or has been reported to me by the creditor. I immediately disputed the account once I became aware of it and informed the creditor and/or the credit reporting agencies that the account is fraudulent. Despite this notification, the issue has not been fully resolved. I have taken protective measures to prevent further fraud, including placing a security freeze on my credit reports with the nationwide credit reporting agencies. I am also reporting this matter as identity theft and fraud through the Federal Trade Commission. Under the Fair Credit Reporting Act ( FCRA ) and applicable federal identity theft protections, I am requesting that the creditor conduct a thorough investigation of this fraudulent account, permanently close the account, remove all associated balances and activity, and delete any reporting related to this account from all credit reporting agencies. Because this account was not opened by me, I am not responsible for any charges, balances, fees, or other obligations associated with it. Any attempt to hold me responsible for this fraudulent account would be improper. I am requesting written confirmation that the investigation has been completed and that the account has been removed or corrected accordingly. I also request confirmation that no negative reporting related to this account will remain on my credit file. I certify that I did not open or authorize this credit card account and that the information provided in this complaint is accurate to the best of my knowledge. I appreciate the CFPBs assistance in ensuring that this matter is properly investigated and resolved.

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 2026-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute the collection account reported by your agency and to notify you of multiple violations of my consumer rights under federal law. The account in question is ( XXXX ). 1. Lack of Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) You have failed to provide the necessary validation information regarding this collection account. Under 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to receive this information, and your failure to do so is a violation of my rights as a consumer. 2. Failure to Allow Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) Additionally, I have not been given an opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of communication and opportunity to contest the validity of the debt is a clear infringement on my rights. 3. Misleading and Deceptive Practices Your agency has engaged in false, misleading, and deceptive practices by reporting this account without providing the required disclosures. Such actions violate my rights and are not only unethical but also illegal under the Fair Debt Collection Practices Act. 4. Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) Furthermore, you have furnished this account to consumer reporting agencies without providing all necessary disclosures required by law, in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). This unauthorized action has negatively impacted my credit report and overall financial standing.

Company response to consumer: Closed with explanation