vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

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 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally dispute a transaction on my account as unauthorized and fraudulent. The charge in question is : Amount : {$2500.00} Date : XX/XX/year> Merchant : XXXX XXXX ( Opticians ) Location : XXXX, Hawaii I confirm that I did not make or authorize this transaction. At the time of the charge, I was physically in New York and have not traveled to Hawaii. My credit card has been in my possession at all times and was never shared with anyone. Given these facts, it is clear that this transaction is fraudulent. I request that you reopen and conduct a thorough investigation into this matter. Please permanently remove this charge from my account and restore any provisional credit that was reversed. If needed, I am willing to provide supporting documentation to verify my location and confirm that this charge was not made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: CA

Complaint narrative:
Ive have been very patient with Jefferson capital collection Ive tried to pay my debt with them. I am on a payment plan with them every time I asked to reschedule or change the payment. They give me a very hard time, threatening that they will cancel what I have to pay for they always use their lawyers and I tell them I only can pay a certain amount a month I have worked with them numerous amount of times I called to verify payment and in the beginning, they went to my old address. They serve my father giving him paperwork that did not belong to him and harassed him very rudely. They never provide me documentation. They say they will just take me to court and now I just feel harassed all the time at these people. I am paying my debt little by little I know its not much that I pay but I have took responsibility and would like these people to stop abusing their power. If continue, I would like to seek legal council.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My home address is being used or appears to be used without my authorization in connection with a Bank of America account. I did not approve any use of my personal address or any change of address related to any account. On or around XX/XX/XXXX, I visited my local post office to report a possible unauthorized change of address. I spoke with a supervisor and requested that my address be flagged and protected. However, I am still receiving mail for another individual at my address. On or around XX/XX/XXXX, I also sent a written letter to Bank of America requesting investigation, removal, and correction of any unauthorized use of my address. I have not received a resolution or confirmation that the issue has been corrected. I am requesting a full review of any accounts associated with my address, removal of my address from any unauthorized or incorrect records, correction of any unauthorized change of address, and written confirmation once this has been resolved. I am also concerned this may involve unauthorized use of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: DE

Complaint narrative:
This is my XXXX complaint regarding my XXXX XXXX XXXX account and reflects an ongoing pattern of inaccurate, inconsistent, and misleading responses by the company. In my first complaint, the company denied responsibility. In my second complaint, the company stated that my account had been reinstated. In my third complaint, I reported that despite this claim, I was unable to use the account, and that issue remains unresolved. The company represented that my account was reinstated, however I was denied the ability to use the card and was informed I could not make purchases until after a billing cycle. A credit card that can not be used is not meaningfully reinstated. I made a {$500.00} payment on XXXX ( posted XXXX ) in reliance on the expectation that my account would be restored to usable status. Instead, I have been deprived of access to those funds while also being unable to use the account. As a result, I have been forced to seek alternative financial options, including high-interest lending, creating additional and avoidable financial harm. I did not receive clear or timely written notice regarding the actual status of my account. The only explanation of closure came through prior complaint responses, not direct communication. This reflects a pattern of contradictory statements, failure to provide accurate information, and resulting financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
Start from XX/XX/XXXX I'll talk to him as they close my account I asked him also why is my account closed they said because of activities on my account I've been with them since like XXXX XXXX it's like that he's on my account is me spending my own money how's that a fraud it's my money I spend what they want to spend I have got in touch with him XX/XX/XXXX but then I have all the documentation I can send to you but I'll talk to him several times since then and I all get in the same XXXX same answer I said okay if you moved and mail I didn't move I still sent them my address I'm just getting played and played and playing install like I said they told me my money will be here in XXXX days and wait for a little bit and cash it at a couple days but they can't tell me anything about my money but it's been melt where's my money you don't take XXXX days to get money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
The response provided by ALDOUS is insufficient and does not resolve my complaint. The company has failed to provide any documentation validating the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Simply stating that they will reach out to the original creditor does not satisfy their legal obligation to provide proper validation upon request. To date, I have not received : - A signed agreement establishing my liability for the alleged debt - A complete payment or account history - Proof of assignment or legal authority to collect on behalf of the original creditor - Verification of the Date of First Delinquency Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), the company is required to conduct a reasonable investigation before continuing to report this account. Their response indicates that such an investigation has not yet been completed, yet the account continues to be reported, which raises serious concerns regarding accuracy and compliance. The continued reporting of an unverified account may also constitute a violation of FDCPA 15 U.S.C. 1692e, as it is misleading and deceptive to report a debt that has not been properly validated. I am formally rejecting this response and maintaining my request for : - Immediate deletion of the account from all consumer reporting agencies- Full compliance with FDCPA and FCRA requirements- Documentation proving the validity of the alleged debt, if it exists Until proper validation is provided, this account must be considered disputed and unverifiable. I request that this complaint remain open and that further investigation be conducted into the companys reporting and collection practices. I declare that the information provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had filed an XXXX XXXX report against XXXX XXXX XXXX XXXX to let them know someone had used my name to obtain a credit card. I send them all the necessary information that it wasn't me that I never live at the address that they have on the credit card. I paid the debt in full. They had it on the report as a charge off but I never received XXXX XXXX XXXX It still shows on my credit report as a negatif. I send Equifax all the information and the Identity theft report that I had filed. They still don't want to remove the negative report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I was recently contacted by a local office of OneMain Financial regarding an alleged overdue balance on my loan. This was unexpected, as my account is set up on automatic payments, with funds transferred directly from my bank account each month. While on hold with a representative, I reviewed my account statements online ( I am enrolled in paperless billing ). During this review, I discovered that in XX/XX/year> my loan balance increased from {$9100.00} to {$9400.00} due to a charge labeled XXXX Placed Insurance Add-On ( see attached statement ). I was never notified of this charge. When I inquired about the increase, I was told the insurance was added by a third party. I asked for clarification on the purpose of the charge and why I had not been notified. I also explained that I maintain my own valid insurance coverage on the vehicle used as collateral for this loan ( see attached proof of insurance ). Despite this, I was instructed to contact the third-party insurance provider directly. I expressed concern with this response, as I was not provided with any contact information, policy details, or documentation identifying this third party. As a consumer, I have no reasonable way to dispute or resolve a charge from an unidentified entity. I requested that OneMain Financial address the issue directly, as the charge appears on my loan statement and was applied to my account under their authority. Additionally, I reviewed earlier statements and found a similar issue in XX/XX/year>. A charge of {$380.00} for XXXX XXXX XXXX was added to my loan without notice. Later that same month, on XX/XX/year>, a credit of {$320.00} was applied for XXXX XXXX XXXX XXXX. I was not notified of either the original charge or the partial credit, nor did I initiate any action related to these transactions. These unexplained charges and adjustments raise serious concerns about transparency, billing practices, and account management. I believe it is unreasonable for a lender to apply charges to a consumers account without notification and then require the consumer to resolve the issue with an unidentified third party. I requested escalation and asked to speak with a manager. I was informed that I was already speaking with the manager. When I requested the managers full name for documentation purposes, the request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
U.S. Bank reported account abuse based on the claim that I opened and agreed to the account in XXXX. In XXXX Banks response to my first CFPB complaint, it explicitly stated that I opened and agreed to the account in XXXX. That is incorrect. I did not open the account and was not added to the account until XXXX. After that CFPB response, I disputed the ChexSystems reporting. The item was verified. I then disputed it again and specifically explained that XXXX Banks XXXX claim was false and that I did not open the account and was not added until XXXX. The item was still verified. U.S. Bank has now had multiple opportunities to correct the inaccurate XXXX timeline and has not done so. It also has not provided documentation showing when I was actually added to the account, what my role on the account was, or what account terms I agreed to.

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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I ordered a XXXX XXXX model from XXXX , I received the item in the XXXX box so didnt think much, when I finally got the rest of the studio together I opened the box just to find out the seller did a bait and switch and gave me the old XXXX model that is not advertised and shown in description for having a XXXX XXXX, I received a XXXX XXXX microphone. I showed the description and evidence and how I tried to resolve with seller to Capital one and they kept closing the case ignoring I did not receive the item in the description or title

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Company is sending me letters with threat to sue and they keep sending people to my house to try to serve me papers about a debt that isn't even mine. I reached out via letter, email, and I attempted to use their chat function on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: SERVICEMAC, LLC
State: MN

Complaint narrative:
Servicemac LLC incorrectly reported a foreclosure on my credit report when they were paid in full.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My American Express XXXX XXXX account was restricted and later closed. In their official communication, I was informed that the restriction would be in place for XXXX business days. It has now been over a week, and I have not received confirmation that the remaining balance of {$13000.00} has been returned or that a check has been issued. I also contacted American Express by phone and was told I would receive a check within XXXX days, but no confirmation has been provided. This delay is causing financial harm, and I am currently in default on contractual obligations due to lack of access to my funds. I am requesting immediate issuance of the check or expedited delivery of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NC

Complaint narrative:
I opened a cash app account and tried adding money, it closed my account. Verified my information and it said my name was different.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Chase Credit Card Services, I am writing to formally request an explanation regarding the recent closure of my credit card accounts. I have been a loyal customer of Chase for over XXXX years, maintaining a checking account in good standing throughout that time. Because of this long-standing relationship, I was surprised and concerned to see that my credit card accounts were closed shortly after I paid off their balances in full. Over time, I maintained several Chase credit cards with relatively low credit limits. I made multiple requests for credit line increases, which were denied. Despite this, I continued to responsibly manage my accounts and ultimately paid off all balances. Shortly after doing so, I was notified that my accounts had been closed. This sequence of events is confusing and frustrating. It appears that even though I demonstrated responsible usage and repayment behavior, my accounts were still closed without clear justification. Additionally, I have noticed that while Chase has declined my credit increase requests, other financial institutionssuch as XXXX XXXXhave not had similar concerns and have approved both credit line increases and new accounts based on my income and credit profile. Given my strong income and long-standing history with Chase, I would like to better understand : The specific reasons behind the closure of my credit card accounts Why my requests for credit limit increases were denied Whether there are specific factors in my credit profile that led to these decisions What steps, if any, I can take to reestablish a positive credit relationship with Chase I value my relationship with Chase and would appreciate a detailed explanation so I can better understand your decision-making process. Thank you for your time and attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I got a settlement with this company but when I called neither affirm or XXXX XXXX are giving me an answer of who will be reporting to my credit buros, meanwhile i am Here disputing and receiving answers that I still owe when I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Recently, Chase reduced the credit limits on three of my credit card accounts without sufficient explanation or prior notice. As a result of these sudden reductions, my credit utilization ratio increased significantly, which may cause a negative impact on my credit scores. This may also adversely affects my standing with other financial institutions and my overall financial profile. I have consistently made payments on time and have worked to maintain my accounts in good standing. Despite this, the reductions appear arbitrary and disproportionate. I was not provided with a clear, specific, or satisfactory reason for these decisions. Additionally, I am concerned that these actions may reflect unfair treatment. As a minority consumer, I feel that I may have been subjected to discriminatory practices or targeted account actions that are not being applied equally to other customers. While I understand that financial institutions assess risk, these decisions lack transparency and raise serious concerns about fairness and compliance with consumer protection and anti-discrimination laws.

Company response to consumer: Closed with explanation