vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 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: FL

Complaint narrative:
I am filing this complaint because JPMorgan Chase improperly denied my credit card dispute involving a defective medical service and failed to conduct a full and fair investigation as required under the Fair Credit Billing Act ( FCBA ). On XX/XX/year>, I paid {$8500.00} to XXXX XXXX XXXX XXXX, a Florida plastic surgeon, for a cosmetic procedure that was misrepresented and performed in a materially defective manner. The surgeon failed to disclose critical medical information prior to the procedure, including the presence of XXXX XXXX and the limitations of the technique he used. As a result, the outcome was objectively defective and required corrective treatment. Multiple independent board certified surgeons later confirmed that the original procedure was improperly performed and could not have produced the results represented to me. I provided Chase with written evaluations, photographs, and a detailed timeline demonstrating that the defects were not immediately discoverable and became apparent only after the normal healing period a recognized form of delayed discovery under FCBA dispute standards. I attempted to resolve the matter directly with the surgeon, who refused to provide a refund or corrective treatment unless I paid additional fees. I submitted all documentation to Chase, including proof of payment, the surgeons refusal to remedy the issue, and independent medical assessments confirming the defective service. Despite this, Chase denied my dispute solely on timing, without addressing the substance of the defective service, the delayed discovery, or the medical evidence I submitted. Chase also denied my subsequent appeal without conducting a meaningful review. This constitutes a failure to perform a reasonable investigation under the FCBA. I am requesting that the CFPB require Chase to : 1. Reopen the dispute 2. Conduct a full and fair investigation 3. Review the medical evidence demonstrating misrepresentation and defective service 4. Provide the protections afforded under the FCBA for materially defective services I have acted in good faith, provided extensive documentation, and followed all dispute procedures. Chases refusal to properly investigate has left me financially harmed for a service that was not delivered as represented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Duplicate accounts which is illegal, contacted my boss, dropped my credit significantly this need to be off of my report. I tried to open a business account for my new business and was denied. They set up a garnishment when the main company already settled this. I need everything to do with LNVN to be removed expeditiously. Served by XXXX, wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: PA

Complaint narrative:
I opened an Apple Card online. I charged nothing to it. I received notice that I had XXXX charges - {$50.00} for an XXXX Ride and {$990.00} for a purchase from XXXX, a firm in XXXX. i never received any product or service from XXXX. I made neither of these charges. I did make an XXXX ride o XX/XX/XXXX, which I paid for and submitted the receipt to Apple Card. The ride they were referring to took place on XX/XX/XXXX. I checked my sent file and there was no evidence that I made either charge, I called XXXX and they said someone in New Mexico hacked into my account. They asked me about my Apple Card Account but I had already closed the account. They then wanted information about my bank account. I terminated the conversation because I did not feel comfortable sharing that information. Also, Apple Card said someone had hacked into my Apple Card account. I told them I did This has been going on since XX/XX/year>. Nothing I say convinces them that I did not make these charges.I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against CENTRAL PORTFOLIO XXXX regarding an erroneous debt collection attempt for an account purportedly under my name, XXXX, with a current balance of {$930.00}. This account has been reported to all three major credit bureausXXXX, XXXX, and XXXXas being in collections. I wish to assert that this debt is not mine and am requesting the complete removal of this account from my credit reports. On XX/XX/year>, I initiated a dispute regarding this issue, challenging the accuracy of the information reported to the credit bureaus. Despite this action, CENTRAL PORTFOLIO XXXX has continued to pursue collection actions, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, debt collectors are prohibited from pursuing collection of debts that are not owed by the consumer, and they must cease collection activities until the debt 's legitimacy is verified. The presence of this erroneous account has significantly impacted my credit scores, which are currently at XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX, causing substantial harm to my creditworthiness. This has further affected my financial stability and ability to obtain necessary credit or loans. I have no knowledge or record of this debt, and I have not received any documentation from CENTRAL PORTFOLIO XXXX that verifies its legitimacy. In light of these circumstances, I am requesting that this account be completely removed from my credit reports with all three credit bureaus. Please treat this matter with urgency and rectify the errors on my credit report to prevent any further harm to my financial reputation. I expect confirmation of the account 's removal and an adjustment to my credit scores in accordance with the corrected information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding a charge-off account being reported on my credit file that I believe is inaccurate, incomplete, and/or not properly verified. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. I have reason to believe that this account does not meet those standards. Specifically, this account is being reported without sufficient documentation to support its accuracy. I have not been provided with adequate verification, including proof of authorization, a signed agreement, or a complete payment history of the debts. Additionally, the reporting of this account appears inconsistent and may include inaccuracies related to the balance, payment status, and/or dates. Please provide : The name, address, and telephone number of the furnisher The method of verification used An itemized breakdown of the balance ( including interest/fees ) The Date of First Delinquency ( DOFD ) Documentation showing ownership or assignment of the debt A copy of the original signed agreement Full payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Ive been a customer for XXXX years+ and Ive explained to the bank there is no physical bank close to me and I have to do auto payments to get the price discount from XXXX like XXXX XXXX I sometimes dont get to the bank in time to deposit the money so Im not short and for years in the beginning they honored crediting my account the fees. {$35.00} & {$14.00} plus ATM fees. The last few years they havent and will only credit me for a month. Its becoming more and more difficult to stay at this bank and that money over the years adds up. My savings account just pays fees so XXXX XXXX is looking more appealing. I even had both my kids join this bank. : ( Loyalty should count for something

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint regarding an alleged debt being collected by this company that has not been properly validated. The original account was with Navy Federal Credit Union and was reportedly sold or transferred to a third party ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested written validation of this debt, including documentation of the chain of ownership, account balance breakdown, and proof of legal authority to collect. Despite my requests, the company has not provided sufficient documentation to validate the debt. Additionally, the account is still being reported under the original creditor on my credit report, which creates confusion regarding who legally owns and is authorized to collect this debt. I have attempted to resolve this matter directly with the company, including requesting settlement options and verification, but have not received a meaningful response. At this time, I am requesting that the company : XXXX. Provide full validation of the debt, including chain of title and ownership XXXX. Verify the accuracy of the balance being reported XXXX. Correct or remove any inaccurate or misleading credit reporting XXXX. Cease collection activity until proper validation is provided Until this information is provided, I dispute the validity and enforceability of this debt as presented by this collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app settlement. Cash app states that instant transfers are in fact instant and they have not been in the past. I will a fee each time i use instant transfers. I would like to be compensated for the misguidance. Cash App CFPB Settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: OK

Complaint narrative:
Since closing case # XXXX, GoodLeap has engaged in physical retaliation. An agent trespassed on my property in XXXX XXXX, and placed a physical padlock on my solar AC disconnect. This is a life-safety Rapid Shutdown device. Per XXXX XXXX, this switch must be readily accessible to first responders. By padlocking it, GoodLeap created a fire hazard for my family and the community. Furthermore, they were so negligent they left the combination on the neck of the lock. This physical sabotage, combined with their previous admission of " coding errors '' and on-going calls to my co-signer from spoofed numbers ( XXXX ), constitutes a pattern of willful, abusive collection practices and a level of incompetence of historic proportions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX credit card was cancelled by Wells Fargo, a new card was sent with an advertised XXXX no no apr but Wells Fargo claims its not applicable given the account was already open. Bait and switch.

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 2026-03-29 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Goldman XXXX Apple Card refused to remove XXXX fraudulent charges so I closed the card and withholding payment until its addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
please see above, I am not a XXXX or XXXX, I believe this is part of their scam, I believe they have my real name as listed for you above. These appear as Portfolio Recovery on the ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I ordered a XXXX XXXX online from XXXX on XX/XX/year> for XXXX dollars. I immediately became suspicious from their vague confirmation email. I tried to cancel order immediately only realize the process was taking me in a circle and i found buried in website cancelations not allowed. Then I researched company and found hundreds if not thousands of people saying they have been ripped off too. I have never received product. I don't want product. I reported to Citi credit card and all they keep saying is merchant wont issue a credit and consumer is responsible. How can a dispute be based off the direction of an obvious criminal and how can a credit card company deny they have to give me my money back? Im looking at Fair Billing XXXX XXXX a XXXX Citibank is not following the law. There is so much proof out there that XXXX is a criminal organization. How is the XXXX government allowing citizens to be stolen from like this? We are supposed to have consumer protection laws for things just like this but credit card company is acting like we dont and that they cant do anything about it.

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 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2024, I made payments to a company identifying itself as XXXX XXXX XXXX XXXX, which also represented itself as XXXX XXXX and XXXX XXXX XXXX XXXX, for employment-based immigration ( XXXX ) services. I paid a total of approximately {$21000.00} USD, including : {$10000.00} USD via Zelle The remaining amount via XXXX bank transfers The company represented that they would : Secure a U.S. employer sponsor File a PERM labor certification in a timely manner Progress my case through the XXXX immigration process However, after receiving payment : I did not receive verifiable documentation confirming that my case was properly filed I did not receive any official receipts, case numbers, or formal updates Communication became inconsistent and delayed Responses were vague and did not provide concrete evidence of progress Over time, I repeatedly followed up to request : Proof of filing ( such as PERM submission confirmation ) Timeline updates Clarification on the status of my case The company failed to provide clear or verifiable information. Additionally : The company primarily communicated through XXXX, not formal business channels They referenced a U.S. office and business presence, but I have not been able to verify this information independently Key details regarding processing timelines and procedures appeared inconsistent or misleading compared to publicly available immigration information As of now, I have : Paid a substantial amount of money Not received the promised services or verifiable progress Not been provided with sufficient transparency regarding my case I believe I was induced to make these payments based on representations that may have been misleading or inaccurate. Some earlier chat records are incomplete due to device changes, but all available documentation has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
I am filing this complaint against USAA Federal Savings Bank ( USAA FSB ) for inadequate handling of fraud-induced ACH disputes totaling {$20000.00}. BACKGROUND THE FRAUD : I am a Rhode Island XXXX and parent at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year>, I made XXXX payments of {$20000.00} for XXXX tuition. On XX/XX/year> XXXX days after my last payment the school 's XXXX XXXX, XXXX XXXX, confessed to maintaining XXXX sets of books for years, fabricating a {$500000.00} letter of credit, and concealing ~ {$15.00} XXXX in unauthorized debt. XXXX Police confirmed an open criminal investigation. A civil lawsuit was filed in XXXX XXXX XXXX ( XXXX XXXX. XXXX ) formally charging Given and XXXX XXXX XXXX XXXX with fraud. My payments were induced by deliberate false pretenses. Given launched the accelerated tuition campaign XXXX days after executing the fraudulent lease, offering a 6 % discount to accelerate upfront payment collection while knowingly concealing the school 's insolvency. This conduct constitutes felony larceny under Rhode Island XXXX Laws XXXX ( obtaining property by false pretenses ). My amount exceeds the {$1500.00} felony threshold under XXXX. BANK 'S INADEQUATE RESPONSE : USAA FSB denied my dispute ( ID : XXXX ) XXXX days after filing, ruling that the investigation " found that no error occurred because the transaction was authorized and processed as requested. " This ignores the legal distinction that authorization obtained through criminal fraud is not valid authorization. I am aware from discussions with similarly affected parents that XXXX XXXX Bank reversed identical XXXX XXXX XXXX transactions on XX/XX/year>. I contacted USAA FSB on XX/XX/year> to inform them that I disagreed with the the original reviewer 's decision and there was no attempt to request supporting documentation as I expected. The representative responded that she opened a reinvestigation and placed a note on the file stating that the customer would be uploading supporting documentation and she walked me through where I needed to upload the documents. Additionally, on XX/XX/year>, I contacted the vendor ( XXXX XXXX XXXX XXXX ) directly via email to request a refund as requested by USAA FSB.

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am disputing an alleged credit card debt that is being reported and/or collected by a third-party debt buyer and its affiliated entities. I previously submitted a written dispute requesting full validation of the debt and proof that the account is attributable to me. Specifically, I requested a signed agreement, a complete chain of title, proof of identity attribution, and a full accounting of the balance. I also informed the company that my personal identifying information was exposed in a confirmed data breach, which increases the risk of misattribution. In response, the company and its affiliates, including Resurgent Capital Services and XXXX XXXX XXXX, failed to provide proper validation. Instead, they provided self-generated account summaries and incomplete documentation that does not establish that I incurred the debt. The materials provided are not original creditor records and do not demonstrate a contractual relationship or accurate identity attribution. Despite failing to provide competent validation, the companies continue to attempt to collect the debt and/or report it to consumer reporting agencies. I do not believe this debt is mine, and the companies have not provided sufficient proof to support their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am disputing an alleged credit card debt that is being reported and collected by a third-party debt buyer. I previously sent a written dispute requesting full validation of the debt and proof that the account is attributable to me. I specifically requested a signed agreement, a complete chain of title from the original creditor to the current debt buyer, proof of identity attribution, and a complete accounting of the balance. I also informed the company that my personal identifying information was exposed in a confirmed data breach, which increases the risk that the account may not be properly attributable to me. In response, the company failed to provide proper validation. Instead, they sent self-generated account summaries and incomplete documentation that does not establish that I incurred the debt. The documents provided are not original creditor records and do not demonstrate a contractual relationship or accurate identity attribution. Despite failing to provide competent validation, the company continues to attempt to collect the debt and/or report it to consumer reporting agencies. I do not believe this debt is mine, and the company has not provided sufficient proof to support their claim.

Company response to consumer: Closed with non-monetary relief