vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I canceled the card XXXX months ago so I can get it paid off. I am still being charged {$15.00} a month for a maintenance fee on a cancelled card, not to mention the interest. To charge a maintenance fee is absurd on a canceled card.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint against XXXX XXXX XXXX along with a formal validation and accuracy dispute regarding an alleged debt they are reporting and/or attempting to collect. In my dispute, I specifically requested competent documentary evidence supporting the legality, ownership, and accuracy of the alleged account. This included the original signed agreement, proof of assignment or ownership, purchase or transfer documentation, complete account history, and information necessary to verify the accuracy and completeness of the information being furnished to consumer reporting agencies. I also specifically requested the Date of First Delinquency ( DOFD ), which is a critical reporting field under the FCRA and XXXX XXXX reporting standards because it determines the lawful reporting period of the account. XXXX XXXX XXXX responded to the complaint but failed to adequately address several material issues raised in my dispute. The response did not provide competent documentary evidence establishing lawful ownership of the account, a complete chain of assignment, or sufficient proof verifying the accuracy and completeness of the information being furnished to the credit bureaus. Additionally, XXXX XXXX XXXX failed to provide : 1. The actual Date of First Delinquency ( DOFD ) ; 2. Documentary proof substantiating the DOFD being used for reporting purposes ; 3. Complete assignment or transfer documentation identifying this specific account ; 4. A complete accounting/payment history ; 5. The original signed agreement bearing my signature ; 6. A description of the procedures used to investigate and verify the disputed information. Simply providing generalized account information or internal records does not fully establish that the account has been reasonably investigated or accurately verified under the FCRA and FDCPA. Because the requested information and supporting documentation were not fully provided, the account remains disputed as inaccurate, incomplete, and insufficiently verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, my Venmo account was permanently deactivated without any specific explanation. The only reason given was a vague statement that I violated the User Agreement, with no details provided about which transaction or activity caused this decision. The transactions in question were personal reimbursements from multiple friends for a group trip we took together completely normal personal use of the platform. The payments came in on XX/XX/year> and my account was immediately deactivated. As a result of this deactivation, {$5200.00} of my personal funds are being held for up to 180 days. I contacted Venmo via email regarding case # XXXX requesting a specific explanation and immediate release of my funds, but received no satisfactory response. I am requesting that the CFPB require Venmo to provide a specific explanation for the account closure and immediately release my {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am filing this complaint against CAINE & WEINER COMPANY INC regarding inaccurate and unverified debt collection reporting associated with an alleged Progressive account currently being furnished to consumer reporting agencies. I dispute the validity and ownership of this alleged debt. Despite disputes being submitted, the collection agency continues reporting this account without providing competent evidence, lawful verification, or documentation proving the account belongs to me. The company has failed to provide : A signed agreement bearing my signature Full accounting records or payment history Proof of lawful assignment or ownership of the debt Proper method of verification used to report this account to credit bureaus I believe the continued reporting of this disputed account constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX U.S.C. XXXX ( XXXX ) False representation of the character, amount, or legal status of a debt XXXX U.S.C. XXXX ( XXXX ) Communicating false or misleading credit information XXXX U.S.C. XXXX Use of unfair or unconscionable collection practices XXXX U.S.C. XXXX ( b ) Continuing collection activity without proper validation after dispute XXXX U.S.C. XXXX ( b ) Failure to conduct a reasonable investigation after notice of dispute The continued furnishing of this disputed and unverified account is causing financial harm, emotional distress, reputational damage, and adverse impact to my credit profile. I am requesting immediate deletion of this collection account from XXXX, XXXX, and XXXX, as well as written confirmation that all collection activity and negative reporting have ceased. If the company can not produce lawful verification establishing ownership and accuracy of the alleged debt, they should not be permitted to continue reporting derogatory information under federal law. I also reserve all legal rights and remedies available under the FDCPA and FCRA, including pursuit of damages for negligent and willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filing this complaint because my credit card account was closed without my authorization. A while back, the lender for XXXX XXXX XXXX XXXX credit card switched to Synchrony Bank. Later, I received an email stating that XXXX XXXX XXXX was bought out by XXXX XXXX. I do not do business with XXXX due to a serious issue that happened to a close family member involving that airline. Because of this, I contacted Synchrony Bank through secure chat to discuss my concerns regarding the value of continuing to keep the card, since I would no longer be able to use the airline-related perks. The representative I spoke with was named XXXX. I do not remember the exact date of the conversation. During the conversation, XXXX stated that he could help me close the account. I specifically told him that I was unsure how closing the account would affect my credit and that I did not want to proceed with closing it at that time. I explained that I intended to first seek information elsewhere regarding how my credit could be impacted IF I decided to close the account in the future. I reiterated during the conversation that I did not want to close the account. On XX/XX/year>, I received an email stating that my account had been closed. I did not authorize this closure. I never instructed Synchrony Bank to close the account, and I never gave consent to proceed with closure. After receiving the closure notice, I initiated another secure chat with Synchrony Bank on XX/XX/year>. During that conversation, another representative acknowledged that the prior representative failed to properly confirm my intent before closing the account. The representative stated : I'm sorry, I can see your point and I would agree that my colleague did not clarify further with you if you wanted to proceed with the closure. I am sorry for the inconvenience and mistake on behalf of my colleague, but I am not able to reinstate the account. I am now extremely concerned about how this account closure will be reported to the credit bureaus and how it may negatively impact my credit profile, credit utilization, and account history. I never had the opportunity to properly evaluate the consequences of closing the account because the representative closed it without my authorization.

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 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request via certified mail ( USPS ) to Hunter Warfield , Inc. regarding Account No. XXXX, pursuant to 15 U.S.C. 1692g. As of today, XX/XX/year> more than 90 days later I have received XXXX response. Hunter Warfield has continued to report this collection account to credit bureaus while my written dispute remained unanswered, in violation of 15 U.S.C. 1692e ( 8 ) and 1692g ( b ). I am the co-signer on the original lease. The primary resident abandoned the apartment without my knowledge. I was never notified of missed payments by the landlord, denying me any opportunity to cure the default. The full balance of {$13000.00} is disputed. I am requesting that Hunter Warfield be required to respond to my validation request and immediately note this account as disputed with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: MA

Complaint narrative:
Fraudulent/Unauthorized charges made on my Discover Card while I was out of state visiting my grandkids and family on XX/XX/year>. They alerted me to one and I declined, however, they allowed and excepted the others. I have provided detailed information, time stamps, the list of charges, my whereabouts, have made over XXXX calls to the company since XX/XX/year> and they are unwilling to assist. I can provide names and dates of those I have contacted, and a list of the transactions that appeared on my Discover statement. I have mail XXXX certified letters to the corporate offices and again, have had no resolution. Please let me know what information I need to provide and I can upload all the information in a secured email. I have attempted to resolve this matter for XXXX months and they are not supporting me as they state " Discover has {$0.00} Fraud Liability Guarantee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Via Certified Mail To : LVNV Funding LLC and XXXX XXXX XXXX XXXX : Cease and Desist Communication / Request for Validation To Whom It May Concern, This letter serves as a formal notice that I am requesting that you cease and desist all communication with me regarding any alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute the validity of this alleged debt in its entirety and request full validation of the account, including : The original creditors name and address The original account number A complete payment and charge history Any signed agreement or contract bearing my signature Proof that your company has legal standing to collect this debt Documentation showing the chain of assignment or ownership of the alleged debt Until such validation is provided, you are instructed to cease all collection activity, including : Phone calls Text messages Emails Reporting to credit bureaus Contacting third parties regarding this matter If you continue collection efforts without providing proper validation, or if you report inaccurate information to any credit reporting agency, I will document all violations and consider filing complaints with the : Consumer Financial Protection Bureau Federal Trade Commission My State Attorney Generals Office Additionally, please be advised that any communication after receipt of this notice, other than providing legally required validation or notice of specific legal remedies, may constitute a violation of federal law. I request written confirmation that this matter has been noted and that communication will cease accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Chase has locked my online access every other day since XXXX. I've gone to the local branch 5 or 6 times. They can't figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
* * Complaint Against XXXX XXXXl * * I am filing this complaint due to ongoing payment processing issues that are not caused by me but have impacted my ability to make timely payments. For over a year, I have consistently used the same checking account to make my monthly payments without any issues. This is a long-standing bank account that I have maintained since I was XXXX XXXX XXXX, and there have been no changes to the account information. Within the past month or so, I have been unable to successfully make payments using this same account. My most recent payment was returned, and I was informed that XXXX XXXX system could not locate my account. This explanation is unacceptable, as the exact same account information has been used successfully for all prior payments. This issue appears to be the result of a system or processing error on XXXX XXXX end, not due to any fault of my own. As a result, I am now being prevented from making payments using my checking account and am being forced to consider alternative payment methods that may include additional fees. I am not willing to incur extra fees due to an error that is not mine. I expect XXXX XXXX to promptly correct this issue and restore my ability to make payments using my original checking account without penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing this complaint against Bank of America regarding its handling of Case # XXXX. The Dispute : My business account was subjected to unauthorized ACH withdrawals by a merchant ( XXXX XXXX XXXX ). We had a written agreement for a " seasonal hold '' fee of $ XXXX. Instead, the merchant misappropriated my funds by withdrawing amounts as high as $ XXXX, totaling {$1300.00} in overcharges. The Intimidation Tactic : When I initiated the dispute, the merchant attempted to stop me by providing a fake " Warrant in Debt '' to the XXXX as proof of a lawsuit. However, on XX/XX/year>, an XXXX representative ( XXXX XXXX XXXX admitted via voicemail that no such case has been filed. A search of the XXXX XXXX court records confirmed this is a fabrication. The Banks Failure : Bank of America denied my dispute on XX/XX/year>, claiming they were unable to process the return because the " originating Bank will not allow a return. '' It is unacceptable for a financial institution to allow a merchant to violate a written agreement and then permit the merchants bank to unilaterally block the return of unauthorized funds. This matter is also under review by the XXXX Attorney General ( Case # XXXX ) and the OCC. I have also filed a formal complaint with the XXXX of XXXX XXXX. The business is currently within their 14-day window to respond to my rebuttal regarding their use of fabricated court documents to stop my bank dispute

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have reached out to all creditors expressing my situation and no one is willing to work with me. I am writing to request full forgiveness of my outstanding debts, totaling approximately {$5000.00}, tied to my Goldman Sachs and XXXX It accounts. Shortly after opening these accounts, I was wrongfully accused of a crime and subsequently incarcerated for nearly a year. During that time, I was unable to access any funds, as I was placed in halfway houses and rehabilitation programs. This period caused immense financial, emotional, and physical distress, and I am still recovering today. To compound my hardship, my mother was recently diagnosed with stage XXXX XXXX and XXXX XXXX, and I am unable to see her or support my XXXX young children due to this crushing debt. I can not secure a car, rebuild my credit, or move forward in life. I am on the brink of declaring bankruptcy and facing XXXX XXXX XXXX. I humbly ask for your compassion and consideration in removing these debts, so I can begin to rebuild my life and care for my family. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
re : Citi Double Cash Card - I have been a Citi customer since XXXX. This payment was less than XXXX hours late due to a banking oversight/timing issue, and I corrected it immediately upon discovery. Given my long-standing relationship and prompt corrective action, Im requesting a courtesy adjustment of all late fees and related interest charges based on my long-standing relationship, history, and good-faith prompt payment. I want to remain a customer and considering keeping the account long-term. XXXX XXXX, XXXX LATE FEE - XXXX PAYMENT PAST DUE {$30.00} XXXX XXXX, XXXX INTEREST CHARGED TO STANDARD PURCH {$21.00} XX/XX/XXXX LATE FEE- APR PAYMENT PAST DUE {$41.00} XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$1.00} total : {$93.00} Citi refused and said they could not do anything ( I previously requested, and there was no response from Citi ). I also have XX/XX/XXXX on-line chat transcript, as well as telephone reference ( their recorded line ). I requested to speak to Citi Card customer retention/advocacy dept - Citi refused to provide this contact information and/or connect me with department.

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 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a money market, a savings account and a checking account at the Citizens bank, all in my name before it was handled by a person who had a power of mine 15 days ago, I informed the bank that I took away all power or authorization from that person over my finances, the money is mine and everything is in my name, the bank has my accounts frozen and does not give me an answer, I am XXXX XXXX XXXX and I need my money to live, it is what I save all my life from my work in the United States and That my husband left me. I only have XXXX son, who is the only one authorized to help me with my finances. XXXX

Company response to consumer: Closed with explanation