vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I sold cryptocurrency on Venmo in 2025 and received an email stating XXXX documents are ready. I no longer have access to the phone number on the account, but I do have access to the email. Venmo has not provided a way for me to obtain my XXXX tax document issued under my social security number I am requesting access to my tax documents for filing purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my Gemini credit card was charged XXXX times after the company denied XXXX charges. The charges were from XXXX XXXX XXXX, a restaurant delivery service in XXXX, XXXX. I live in XXXX, Texas and was there on XX/XX/XXXX. The XXXX charges were in the following amounts : {$52.00}, {$210.00}, {$52.00}, {$52.00}, and {$100.00}. The card was charge all XXXX times within XXXX minutes. The company initially declined XXXX charges then allow these XXXX charges to go through. I disputed the charges with the company on the same day and the company temporarily credited my account while they investigated the dispute. I received an email today, XX/XX/XXXX, stating the following : " Your dispute case has been resolved and your claim was denied. The credit has been removed and the disputed amount plus any applicable interest has been added to your balance. You will be receiving a letter with more information regarding the details of your dispute resolution. '' I clearly did not initiate these charges and after the company declined XXXX charges, I'm unsure why they would approve XXXX more from the same place. It is clearly fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
On XX/XX/XXXX, American Express notified me of the following via email : " We're currently conducting a periodic review of your account What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible limit reduction. What you can do Make a payment towards your balance to maintain your current limit we wont take the action stated above if you make a payment of {$4700.00} by XX/XX/XXXX. '' No actual reason was given... I have never been late on a payment and have never missed a payment. When I call support I am greeted with " thank you for being with us since XXXX ( 20 years!! ). '' But I get what is essentially a ransom note demanding a one-time payment of they'll be lowering my limit... which they did, to around {$500.00} over my balance ( thereby hurting my credit score ) and for around {$13000.00}! How is this legal? I asked to appeal the decision and got an email again asking for the {$4700.00} or I can provide the past 3 months bank statements from checking and savings. I have not done ANYTHING wrong ... why should I have to provide all of this information? Shouldn't people with 20 years of perfect payments who also have paid a LOT of interest actually be REWARDED for their behavior? This card was my primary method of payment for my personal accounts as well as for my small business... so this has really harmed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

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 2026-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
{$510.00} Please remove this debt I did not authorize this company permission to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX, I deposited XXXX ( XXXX XXXX bills ) in the ATM around XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The ATM died after I inserted the bills without depositing my money into my account and just swallowed my money. I called and filled the claim immediately within XXXX mins after the incident. After more than 1 month, they closed my claim and saying I only deposit XXXX when I was only using XXXX bills. This is totally not acceptable. I tried to let them investigate, and they refused unless I can provide some video filming me depositing the money, which is totally irrational, especially there are camera all around the ATM. How come they can not figure it out themselves? I would like the bank to give my XXXX dollars back, otherwise the system is just done. I will upload the error notice receipt, the claim document, and my call history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
In XX/XX/2026 Jefferson Capital Systems reported to all CRA 's that I owed a XXXX bill for the amount of {$480.00}. I have never received a phone call, letter, or email from this company. The XXXX XXXX account was for a business, that business is closed, and the XXXX XXXX bill was on auto-pay and closed out years before the business closed down. The biggest complaint I have is that this is several years old. South Carolina has a 3 year statute of limitations on telecommunications debt such as cell phone bills. This bill is well over XXXX XXXX XXXX. They have no rights to collect and cant legally re-date the debt when they bought ownership. I have called them twice to ask for information and they hung up on me. I have emailed them with no response. I sent a formal letter to them with no response. I want the collection report removed from all CRA 's immediately and this matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received an email from Capital One on XX/XX/year>, at XXXX about one or more of my phone number 's being updated. I have never set up an account with them, so this concerned me. I opened their website with the link they send, after checking it for phish, to only be redirected and/or given a " XXXX '' error, which could be anything. They immediately sent me to their fraud department after I added my information through the phone, so something didn't match. One of my hobbies is XXXX so I don't see how this happened, I'm quite paranoid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank failed to act in good faith by refusing to honor a clear compensation promise made by its customer service representative, following a delay caused by Chase internal processing systems. On XX/XX/year>, I transferred XXXX Chase Ultimate Rewards points to XXXX XXXX XXXX in order to redeem a XXXX XXXX XXXX award on the XXXX to XXXX route. At the time of transfer, Saver category ( requiest only XXXX miles ) availability was confirmed. Chase represents that partner point transfers may take up to 7 days. However, the transfer was not completed until XX/XX/year>, taking 11 days ( time stamped by their emails ). Chase has acknowledged in writing that there was a delay in processing the transfer. As a direct and foreseeable result of this Chase-caused delay, the XXXX XXXX XXXX award became unavailable. To complete my travel, I was forced to redeem XXXX XXXX miles instead of the originally required XXXX miles, resulting in a loss of XXXX miles. On XX/XX/year>, I contacted Chase Sapphire customer service. The representative acknowledged the processing delay and explicitly confirmed that Chase would compensate me for the XXXX mile difference. I reasonably relied on this representation. On XX/XX/year>, Chase issued a written letter stating that although there was a delay in processing the transfer, it would not provide any compensation and would not honor the prior customer service commitment. Chase now asserts that it bears no responsibility for award availability at XXXX XXXX. However, my complaint is not based on award availability itself. The loss was caused by Chase failure to process the transfer within its stated timeframe, followed by Chase refusal to honor an explicit compensation promise made by its authorized representative. Also this written letter stated their stands that it is OK to just delay any transfer of points, no consequence on their part. Chase conduct constitutes a failure to act in good faith and a failure to honor a service commitment made to a consumer. I am requesting that Chase honor the originally promised compensation of XXXX XXXX XXXX points or provide an equivalent remedy. They should add more compensation now that they refuse to give any compensation which resulted in me wasting more time to escalate this matter. For reference my chase chard in question XXXX I look forward CFPB will give consumer a fair resolution. yours sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
A third-party debt collections agency, LOCKHART MORRIS & MONTGOMERY , is reporting a medical debt collection account on my credit report in the amount of approximately {$1000.00}. This debt was previously disputed with a prior collections agency who sold the account to LOCKHART MORRIS & MONTGOMERY without resolving the dispute, potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ). Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. Given the history of this debt being transferred between collectors without dispute resolution, I have reason to believe the reported amount may be inaccurate or unverifiable. I am requesting that the CFPB require LOCKHART MORRIS & MONTGOMERY to validate this account and immediately remove it if it can not be fully verified from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
Dear National Enterprise System # XXXX This letter requests validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the information and documentation described below in writing within 30 days of receipt of this letter. 1 ) Identification of the debt Send me detailed list of payments history for this account. Original signature that I agreed singed to this creditor. 2 ) Original creditor and chain of title The name and address of the original creditor, the amount originally claimed, and the date of original claim. A complete chain of title showing every assignment, transfer, sale, or other disposition of the debt from the original creditor to the current creditor ( including dates, names, and addresses of all holders ). 3 ) Documentation supporting the debt A copy of any contract that evidence my obligation to pay and your authority to collect on behalf of the current creditor, including a complete chain of assignment. Any supporting documents such as statements, notices, bills, or receipts relied upon to claim the debt. If applicable, any judgments, court orders, or subpoenas authorizing collection. 4 ) Verification of calculation A detailed description of how you calculated the alleged debt, including the date of each charge and the basis for each charge. Any interest rate, annual percentage rate, or other charges applied, with supporting calculations or rate schedules. 5 ) Insurance claims and related items ( if applicable ) If you allege any insurance proceeds or insurance claims were involved, provide the insurers name, policy number, claim number, and a summary of how insurance interacts with this debt. 6 ) Certifications and licenses Verification that you are a licensed debt collector under applicable federal or state law, including license number ( s ) and the state ( s ) of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Us bank closed my checking account on XX/XX/year> for no reason. They refuse to tell me why and wont release my funds. I have XXXX in the account. I have called and gone to branch 3 times without 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 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Select Portfolio Servicing ( SPS ) regarding improper mortgage servicing and document mishandling related to Loan Number XXXX. For the past four months, I have been attempting to complete a loss mitigation review. SPS has repeatedly claimed that my Profit and Loss statement is incomplete, despite the following : I have submitted the document at least ten ( 10 ) times. A supervisor previously walked me through completing the document according to underwriting notes. I have two loans with SPS requiring identical documentation. The same Profit and Loss statement was accepted and approved for one loan. The identical document submitted for Loan Number XXXX continues to be rejected without clear explanation. On XX/XX/XXXX at XXXXXXXX XXXX I spoke with an SPS representative named XXXX who stated that no Ombudsman was available. At XXXXXXXX XXXX the same day, I spoke with a supervisor named XXXX who added clarification notes regarding the rental deposit for XXXXXXXX XXXX Despite complying with every documentation request, SPS continues to provide inconsistent explanations and delays. This appears to be a failure in servicing procedures, inconsistent underwriting standards, or improper document handling. I am requesting that the CFPB investigate SPSs handling of my loan, require a full written explanation of the alleged document deficiencies, and ensure that my loss mitigation application is reviewed fairly and consistently. This complaint is also a Notice of Error under RESPA, as SPS has failed to properly evaluate complete loss mitigation documentation and has provided contradictory servicing responses. I request regulatory oversight and assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: LA

Complaint narrative:
I been with this company 3 years this ridiculous I received deposits in my account one for XXXX had no problem received another one XXXX they restricted my account with a balance of XXXX I sent all required documentation they giving me the run around this unfair Im in the process of getting evicted because my funds rescricted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am the victim of a socially engineered imposter fraud in which an individual falsely claimed to be a XXXX XXXXXXXX XXXX employee. Acting under that deception, I was instructed to withdraw cash and deposit it at a Truist ATM into an account controlled by the fraudster. Claiming that someone was trying to steal my money and that doing this would verify its not a fraudster withdrawing the money. Due to him saying he had talked with truist and was working with them to setup a new account because I bank at both. On XX/XX/XXXX, I deposited a total of {$12000.00} in two cash transactions at a Truist ATM. The fraudster represented that this action was necessary to secure or verify my funds and used bank-staff impersonation to gain my trust. I reported the fraud immediately to Truist Bank and to my local police department. Despite prompt reporting, receipts, and a police report, Truist refused to even open a fraud claim, stating that because the cash was not deposited into my own account, it was considered a voluntary third-party transaction and therefore not eligible for investigation or appeal. I am disputing Truists refusal to investigate or review this matter. This was not a voluntary transferit was the direct result of bank impersonation and social engineering fraud. Truist has denied me any appeal or escalation and has provided no written determination beyond stating that nothing can be done. I am requesting executive-level review, confirmation that this incident has been properly classified as imposter fraud, and reconsideration for reimbursement or policy-exception relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have repeatedly contacted Apple Card Goldman Sachs since XX/XX/year> regarding unauthorized charges due to identity theft, which they have ignored and continue to report my over the limit balance to credit reporting agencies. In addition, they are charging me over the limit penalties and interest on the fraudulent charges, are constantly calling me to resolve the unpaid bill, and are ignoring my cease and desist letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing this complaint regarding what I believe to be excessive and harassing collection communications from Capital One Auto Finance concerning my auto loan. Since approximately XX/XX/year>, I have received approximately XXXX phone calls from Capital One Auto Finance regarding my account. I have already communicated clearly with the company about my situation and my plan to bring the account current. Due to a temporary period out of work related to health and financial hardship, I fell behind on my auto loan. However : I informed Capital One that I am expecting a substantial insurance settlement check by the end of XXXX, which will allow me to bring the account current. I have now returned to work and have income again. I fully intend to resolve the delinquency and remain in good standing. Despite this proactive communication, the volume and frequency of calls have continued and have become overwhelming. While I understand the need for reasonable collection communication, the frequency of these calls feels excessive and inconsistent with consumer protection principles outlined in the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding conduct that XXXX be considered harassing, oppressive, or abusive ( XXXX XXXX. XXXX ). Even if Capital One is acting as an original creditor, CFPB guidance still emphasizes fair treatment, reasonable communication frequency, and avoidance of undue pressure when consumers are actively working toward resolution. This repeated contact has created unnecessary stress during an already difficult financial and health recovery period, especially given that I have : Communicated honestly about my situation Provided a clear timeline for payment Demonstrated intent to resolve the debt in good faith XXXX transportation is critical for my employment and financial stability. Excessive collection pressure while I am actively working to resolve the account creates unnecessary hardship and anxiety rather than facilitating repayment.

Company response to consumer: Closed with explanation