vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
They have never contacted me. No phone call no email and no letter have ever been sent to me. The debt was added to my credit report 10 days after my apartment complex cleared and closed my account. I filed a complaint through credit karma I think. Still never received any communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
b"Company Name: XXXX XXXX XXXX XXXX.\nTotal Amount in Dispute: XXXX USD\nChase Executive Case #: XXXX\nChase Executive Investigator: XXXX XXXX XXXX XXXXnFBI IC3 Report #: XXXXXXXX Complaint #: XXXXn\nI am formally disputing XXXX in unauthorized charges from XXXX. These charges resulted from a coordinated criminal operation at Cancun Airport involving physical coercion, the illegal seizure of my U.S. Passport, and the unauthorized manipulation of my mobile device.\n\n1. Criminal Duress and Coordinated Theft:\nMultiple individuals worked in coordination to distract me while physically seizing my identity documents. I was physically restrained while staff manipulated my credit card and phone. My passport was withheld as leverage and only returned after a signature was obtained while I was in acute medical distress and under the threat of missing my international flight. This signature is void ab initio as it lacks voluntary consent.\n\n2. Exhaustive Efforts to Resolve & Merchant Evasion:\nI have attempted to resolve this through every available channel, but the merchant is intentionally evading accountability:\nDirect Merchant Contact: I sent formal emails and messages to the merchant contact, XXXX XXXX XXXX XXXX XXXX XXXX XXXX), explicitly rescinding consent. These messages were read, but the merchant has since ceased all communication and stopped answering phone calls.\XXXX XXXX XXXX XXXX): I have filed a formal complaint via email and attempted multiple phone calls to Mexican consumer authorities to report the Article 56 violation.\nXXXX XXXX XXXX: I have reached out via email and attempted several phone calls to airport security/authorities to report the passport seizure and theft. These calls frequently go unanswered, leaving me with no local recourse.\n\n3. Catastrophic Security Failure and Breach of Duty by Chase:\nAlthough I initially reported the criminal activity on XXXX Chase did not initiate the fraud investigation or cancel my card until XXXX At that time, I provided an explicit directive to opt-out of the 'Automatic Billing Updater' service to ensure no merchant bridge could occur. Chase initially confirmed the fraudulent charges were successfully blocked. However, on XXXX Chase allowed these charges to bypass both the card cancellation and my security opt-out, allowing them to officially post. This represents a gross failure of internal controls and a direct violation of my security instructions.\n\nResolution Sought:\nI demand that Chase permanently reverse these charges (XXXX. I have done my due diligence by reporting this to the FBI, NCDOJ, PROFECO, and Airport Authorities. The merchant's refusal to answer calls and emails further confirms their fraudulent nature."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I applied for a loan modification back in XX/XX/year>, which was approved to bring the payment to {$1600.00} at that time circumstances were different than now and two of the trial payments were made out of the three that were supposed to be made, I called in XXXX to let them know of the current situation that the second person on the loan is no longer in the home or contributing to the house payment due to domestic XXXX for the second time, I have reached out again and they are telling me there are no options available besides a short sale option I have explained to them. I am on XXXX permanently and the amount of my XXXX does not cover the {$1600.00} that was originally given for the modification, but since circumstances have changed, and now I am the one occupying the home with four children that have special needs as well and have offered to provide all documentation police reports my XXXX income verification anything that they need they are still denying any assistance besides a short sale and a short sale at this point isnt appropriate for the situation that I have also explained to them that my daughter who is XXXX XXXX XXXX has been missing for two weeks now, a victim of human trafficking have offered to provide all of that information regarding her XXXX number I have basically done everything that I can with the mortgage company to comply with them and keep them updated with Current and updated information on my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I hired XXXX XXXX XXXX XXXX to program a key fob for my vehicle for an agreed price of {$200.00}. After the service had already been completed, the locksmith increased the price to {$290.00}, stating it was a credit and service fee, which was not disclosed or agreed to in advance. The vehicle started after the service and I was able to drive it home, although an anti-theft light appeared on the dashboard. After the vehicle was turned off, it would no longer start. The key fob did not function properly and the vehicle became inoperable. The locksmith refused to correct the issue or provide a refund. I subsequently hired a second locksmith ( receipt attached ) who confirmed the key fob had not been properly programmed and successfully resolved the issue. I attempted to resolve the matter directly with the merchant and through Truist, but the issue was not 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 2026-04-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: NY

Complaint narrative:
I have a New York State issued child support Eppicard, that I had been using for many years and I still have a large balance on it. There was a glitch in their system online between XX/XX/XXXX and XX/XX/XXXX that prevented me to use my card anyplace I tried. On the XX/XX/XXXX the online system, which is XXXX started to operate again, I could see my balance but the card stopped working. The decided to send me a new card. I got my new card on XX/XX/XXXX and it failed to activate by the phone, which is XXXX. It havent work in a while, because every time I tried to check my balance I got the same message saying we are temporarily unable to access your account, call back later. They decided to send me a new card the same day but I knew it that is definitely not an issue here, there is a problem with that automated system that needs to be fixed. When the new card arrived i obviously had a same issue trying to activate it for days, but no luck. I finally decided to file a complaint and the supervisor tried to activate the card for me calling the same number, and failed, so the report was issued for an upper management to call me within 3 to 5 days to solve the problem, but I never got that call. I really need that money to pay my bills and it puts a lot of financial and emotional stress on me. Please help me. Go after the company, Conduent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I filed a dispute on XX/XX/XXXX and again also on XX/XX/XXXX. The dispute has been under investigation since that time. The transactions that were made were already found as fraudulent but have not got my money back. They said ill get a response within 10 days. I have made multiple attempts to get a response from cashapp and they will not respond. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My checking account was closed by JPMorgan Chase Bank in XXXX. Since discovering this on XX/XX/XXXX, I have made multiple attempts to recover my {$2500.00} balance, but Chase has consistently failed to issue the refund check, providing contradictory and unreliable information for over 60 days. Timeline of Events : XX/XX/XXXX : I discovered my account was closed. I called Chase and was told a refund check would be issued within XXXX business days. XX/XX/XXXX : No check arrived. Chase admitted they sent it to an incorrect address. I provided my correct address in XXXX, UT, and requested a re-issuance. XX/XX/XXXX : Still no check. I called Chase again ; they stated the check hadn't been issued yet and promised it would arrive within 10 business days. XX/XX/XXXX : I called again. Chase now claims my previous request was " rejected '' on XX/XX/XXXX and that they have no record of my XX/XX/XXXX request. They are now asking me to wait another XXXX business days. Chase refuses to provide any written confirmation of these requests, making it impossible to verify the status without calling repeatedly. This administrative failure has resulted in an unacceptable delay in returning my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TX

Complaint narrative:
My Venmo account has been restricted and I have been unable to send or receive payments for several days. Venmo informed me that I must verify the phone number ending in XXXX to restore access to my account. However, the phone verification failed on the very first attempt. After that, Venmo displayed a message stating that my phone number could not be verified because of too many failed attempts and instructed me to wait 24 hours before trying again. I contacted Venmo support repeatedly over the course of three days. I requested an explanation for why my account is restricted, why I am unable to send or receive payments, why the phone verification failed, and what exact steps or documents are required to restore access to my account. Venmo has not provided this information. Instead, I have continued to receive generic responses stating that they can not explain why the account is not functioning. I also attempted basic troubleshooting on my own, including reinstalling the app or trying to log in with a different email address. This did not resolve the issue. As a result, I remain unable to use my account for ordinary personal payments. I am requesting that Venmo conduct a manual review of my account, reset the phone verification restriction, provide a workable process to verify or update my phone number, and restore my ability to send and receive payments. If additional identity or phone ownership documentation is required, Venmo should clearly state what is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding an ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This company is currently reporting a collection account on my credit report and attempting to collect a debt. However, I have identified that ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has been listed by the Federal Trade Commission as a banned entity/individual from participating in debt collection activities. Because of this, I have serious concerns regarding their legal authority to collect or report this alleged debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), all information reported must be accurate and verifiable. A company that has been prohibited from engaging in debt collection activities can not reasonably ensure the accuracy or legal enforceability of the information being furnished. Additionally, under the Fair Debt Collection Practices Act, any attempt to collect a debt without proper authority or through deceptive practices is a violation of federal law. Given that this entity has been subject to enforcement action resulting in a ban, their continued reporting and collection efforts raise serious concerns of : Unauthorized debt collection activity Furnishing potentially inaccurate or unlawful information Violations of federal consumer protection laws Because of these issues : I am disputing this account in its entirety I am requesting immediate deletion from all credit reporting agencies I am demanding that all collection activity cease immediately I request verification of how a banned entity is still reporting to consumer credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I had an XXXX XXXX XXXX account with Capital One, that they decided to close my account due to their strict security policies. Upon closure of my account I haven't received my check with the ending balance of XXXX since 2025! They only sent three small checks instead of the full remaining balance in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: InDebted Corporation
State: KS

Complaint narrative:
I am filing a complaint regarding a transaction financed through XXXX that involves counterfeit merchandise and an unresolved billing dispute. In XXXX, I purchased a pair of headphones on XXXX for a total of {$130.00} using XXXX installment payment service. The product listing clearly stated that the headphones were authentic. However, the item was intended as a gift and was not opened until XXXX. Upon opening the package, I discovered that the headphones were counterfeit, did not work at all and not as described. After discovering the issue, I reviewed the seller more closely and found several negative reviews from other buyers stating that the sellers items were also counterfeit. This information was not apparent to me at the time of purchase, and I only became aware of it during my investigation after receiving the item. Because the issue was only discovered after opening the item, I was unable to complete a return within the allowed timeframe. I attempted to resolve this matter directly with XXXX and XXXX, but neither company provided a resolution or refund. I then disputed the charges with my bank. While my bank was able to refund a portion of the payments, several XXXX installment charges ( approximately {$32.00} biweekly ) were not successfully recovered. Despite the item being counterfeit, XXXX continued to hold me responsible for the remaining balance. The remaining balance of {$65.00} has now been sent to collections through XXXX, which I am also disputing. I do not believe I should be held responsible for paying for goods that were falsely advertised and counterfeit and not functioning at all. I am requesting that XXXX : 1. Remove the remaining balance of {$65.00} 2. Cease all collection activity related to this transaction 3. Refund any remaining payments made toward this purchase 4. Investigate the merchant involved for selling counterfeit goods This situation involves misrepresentation and unfair billing practices, and I am seeking a full resolution. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a business account open with chase and deposited 2 checks for the amount around {$24000.00}, the checks were under my prevoiuse business name and that had closed when i sold my business and was issued those checks but chase bank put a hold on those funds and marked it as fraud, there was proof of the address matching my information and I even gave them the phone number to the company that issued the checks to me but I had no luck with chase in releasing those funds to me or the company that issued them, and I got a hold of the company tht issued the checks to ask them to reuqest them back but they had no luck either since chase has those funds.. I have been fighting this issue back and fourth with chase since 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
I submitted numerous complaints in regards to US BANK allowing transactions to process when there were " NON SUFFICIENT FUNDS '' in my account. The first transaction was amended. But the next XXXX transactions that were processed when there were not sufficient funds, CFPB refused to show my complaints because CFPB claimed they were duplicates. And US BANK CHARGED ME {$120.00} IN OVERDRAFTS. AND BECAUSE OF THIS, MY FINANCIAL CONSUMER REPORT IS ADVERSE BECAUSE US BANK REPORTED THIS TO XXXX XXXX AND XXXX XXXX XXXX I am aware that the class action settlement orders the banks to return all money collected in these fraudulent overdraft fees. Besides the money US BANK has taken from me, I want my CONSUMER REPORT CLEARED OF THIS FRAUD

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this complaint because the consumer reporting agency continues to report a charge-off account that remains unverified, despite my multiple disputes and full cooperation during the reinvestigation process. I have previously submitted disputes and complied with all requests for documentation ; however, the bureau persists in reporting this account without providing competent written evidence establishing that the account belongs to me, that the reported balance is accurate, or that the information has been properly verified with the furnisher.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I disputed the following account multiple times : MIDLAND CREDIT MANAGEMENT Account No. XXXX {$1200.00} This account is being reported XXXX on my credit report as both a collection account and a charge-off under the same account number and balance. This is inaccurate and misleading reporting. A single account can not be reported in XXXX different statuses in this manner, as it creates a false representation of my credit profile. In response to my dispute, Midland stated that they mailed validation. I never received any such documentation. Simply claiming that something was mailed does not satisfy their legal obligation to provide proper validation. Additionally, the company failed to provide : A signed agreement Full account history Proof of assignment or chain of title Any documentation establishing legal authority to collect I also requested the method of verification, and Midland failed to explain how this account was verified or why it is being reported twice. Despite these issues, Midland continues to report this account as accurate. I have already filed a complaint with the CFPB, as well as complaints with the FTC and my State Attorney General, and this issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged {$7700.00} and XX/XX/XXXX I was charged {$750.00} by XXXX XXXX which is fraud.

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