vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: NY

Complaint narrative:
I am submitting a complaint regarding the handling of a disputed charge by JPMorgan Chase. I disputed a charge of {$1900.00} related to a car rental damage fee. The charge was for an alleged scratch to a rental vehicle. My dispute concerns the amount charged, not the existence of damage. The merchant charged XXXX but never provided any itemized repair invoice, estimate, or documentation demonstrating that this amount reflects actual repair costs, despite repeated requests from myself and my insurance provider. Chase has now closed the dispute. The written explanation provided by Chase states that the charge is valid because the merchant was authorized to bill my account under the rental agreement. However, the documentation provided by the merchant ( as shared by Chase ) consists only of : The rental agreement A signed damage acknowledgment A payment receipt The merchant did not provide any : Itemized repair invoice Repair estimate Documentation of actual repair costs Chases decision appears to rely solely on the existence of authorization, without requiring substantiation of the amount charged. This does not address the core issue of the dispute, which is whether the XXXX charge reflects actual and reasonable repair costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 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: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX charged me {$9.00} XXXX times and I have no account with this company and chime bank denied my claim and its clear I have no knowledge of thisI actually thought I had submitted a claim already with cfpb but I was mistaken

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, a

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
My name is XXXX XXXX XXXX I am the author of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : I have financial certainty of over XXXX XXXX dollars. So I went to the truist bank yesterday on XXXX XXXX in Washington near the trader joes with a check WRITTEN OUT TO ME for XXXX XXXX DOLLARS, and the lady refused service and handed me the check back, WHICH I BELIEVE IS A CRIME. It was the bank managers first day. OVER A XXXX DOLLARS WALKS INTO THE BANK AND THEY WON'T BE XXXX WITH MY XXXX. I do believe that i t i XXXX a crime to hand me this check back. Why can the bank not accelerate their left hemisphere with over A XXXX DOLLARS at the counter? I HAVE TO PAY TAXES THAT HAS TO BE A CRIME, to hand me the check back. PLEASE ALLOW MONEY TO ACCELERATE YOUR LEFT HEMISPHERE BECAUSE THE BANK DOES NOT HAVE A RIGHT HEMISPHERE TO ME IF IT WILL NOT DO EVERYTHING IT CAN FOR ME WITH A CHECK.

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 2026-03-31 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: Block, Inc.
State: FL

Complaint narrative:
Square Transaction Issue The transaction under review is a one-time {$950.00} vehicle rental, fully documented with : Formal invoice and agreement Verified customer identity ( drivers license and insurance ) Authorized payment processing The transaction was completed as a single charge, after standard authorization attempts ( XXXX and XXXX declined ; XXXX approved via XXXX XXXX XXXX. These were authorization attempts only, not multiple or split charges. Despite full compliance and documentation, Square has : Restricted access to funds Requested repeated documentation Failed to provide a clear or consistent explanation Cash App / Block , Inc. Pattern In addition, I recently recovered {$390.00} in unclaimed funds from a Cash App account associated with Block , Inc. , which had been : Deemed dormant Subject to escheatment procedures Subsequently closed after payout was issued This demonstrates a broader pattern of : Restricting access to funds in dormant or low-activity accounts Forcing recovery through delayed or indirect processes Closing accounts following fund disbursement Regulatory Concerns Block, XXXXnc.s conduct raises concerns under : 1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 Failure to provide timely access to funds and interference with electronic transfers. 2. Regulation E ( 12 CFR Part 1005 ) Lack of transparency regarding restrictions Failure to provide clear error resolution or justification Unreasonable delay in access to funds 3. UDAAP ( 12 U.S.C. 5531 ) Potential : Unfair practices : Withholding funds without proportional justification Deceptive practices : Inconsistent explanations across interactions Abusive practices : Leveraging control over funds to compel repeated compliance Key Issues Unjustified Restriction of Funds Legitimate business proceeds are being withheld without clear cause. Pattern of Financial Access Interference Both Square and Cash App have restricted or delayed access to funds across separate accounts. Lack of Transparency and Due Process No consistent or specific reasoning has been provided. Disproportionate Impact As a disabled veteran relying on this income stream, these actions directly impact financial stability and daily living.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive paid off my debt to regions bank but they keep reporting it like I havent which is causing me a problem with opening a new account because of XXXX XXXX XXXX Ive disputed it plenty of time but for some reason its still being reported so I want to file a complaint against the company that way I can open an account I just want to use it for direct deposit thats 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 2026-03-31 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: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I believe Rushmore Servicing is over charging me on my escrow account for the year XXXX to XXXX. On XX/XX/XXXX, I contacted Rushmore Servicing concerning my escrow account after receiving my new escrow analysis. The new escrow analysis stated that my escrow account had surplus funds of {$200.00}. and this amount was being refunded. However, at the time I was two months behind on my mortgage payments. Therefore, my escrow account should have been missing {$1300.00}. But according to the escrow analysis it was already at a surplus. I contacted the mortgage company to explain the discrepancy. However, their response was that there was no discrepancy. That although they refunded me the {$200.00}, I was still responsible for the {$1300.00} in escrow payments for the same year as the refund surplus. This does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
I wanted to transfer a small portion of my savings account to another bank where i could access it easier. XXXX at Goldman Sachs is the bank I have the savings account with. They are an online bank and have no local presence and i dont have a checking account with them so I was trying to transfer it to XXXX XXXX where I can more easily access it. XXXX at Goldman Sachs denied the transfer saying they are " a goal oriented bank '' and they have the right to deny transferring the money to other new accounts. I said, I need access to this money and how can I do that. They said my only option is to transfer it back to the original source of where the money came from ( XXXX XXXX ). Which was another savings account that i closed and no longer had access to, since i setup a new savings account with XXXX. They said they would have to call XXXX and verify it was true that I no longer have access. It was a crazy, predatory phone call where they clearly did not want me to withdraw money from their bank and were doing anything they could to prevent that. I believe this violated multiple sections of the deposit agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I sent this letter via certified mail. XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To Whom It May Concern, I am writing in response to your communication regarding the above- referenced account. This letter is not a refusal to pay, but a notice that the debt is disputed. Pursuant to my rights under the Fair Debt Collection Practices Act, I request validation of the alleged debt. Please provide the following : The name and address of the original creditor. The amount of the alleged debt, including an itemization of interest, fees, or charges. Copies of any documents bearing my signature showing I agreed to the debt. Proof that your company is licensed to collect debt in my state. Proof that you have the legal authority to collect this debt on behalf of the creditor. The complete chain of ownership of this debt, including documentation showing each transfer or sale of the account from the original creditor to the current owner, with dates and the names of all entities involved. Until you provide proper validation, please cease collection efforts and refrain from reporting this account to any credit reporting agencies. If this account has already been reported to any credit bureau, please note that the debt is disputed. I look forward to your response. Sincerely, XXXX XXXX XXXX the certified mail tracking it was received XX/XX/XXXX at XXXX XXXX. I received a response XX/XX/XXXX at approximately XXXX XXXX. This response to the 3 accounts in question did NOT include : -Copies of any documents bearing my signature showing I agreed to the debt -Proof that their company is licensed to collect debit in Massachusetts -Proof that they have the legal authority to collect the debt on behalf of the creditor -The complete chain of ownership of this debt, including documentation showing each transfer or sale of the account from the original creditor to the current owner, with all dates and the names of entities involved. The accounts in question are for {$430.00} {$1100.00} {$670.00} On XX/XX/XXXX I received a call from a debt collector I am unsure if it was for this company a scam etc. from XXXX phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Perpay, Inc.
State: IL

Complaint narrative:
I entered into a purchase agreement with Perpay for an XXXX, with payments deducted directly from my paycheck. Perpay began taking payments as agreed. However, I never received the XXXX. Tracking shows the package was returned to the sender. After the item was returned, I contacted Perpay multiple times requesting a refund. They were unresponsive for several days. When they finally responded, they stated I would not receive the XXXX and refused to issue a refund. Instead, they claimed the money I paid for the undelivered XXXX would be applied to a different product ( a TV ). I did not authorize this change and never agreed to apply my payments to another purchase. This means Perpay has taken money from my paycheck for goods that were never delivered and is now reallocating those funds without my consent. I believe this conduct violates the Electronic Fund Transfer Act ( Regulation E ), which protects consumers from unauthorized electronic deductions, as well as the prohibition against unfair, deceptive, or abusive acts or practices under federal consumer protection laws. Charging for goods not received and refusing a refund while applying funds to a different product without authorization is deceptive and unfair. I am requesting a full refund for the undelivered XXXX and immediate cancellation of any remaining payments associated with that item. I also request confirmation that no further unauthorized deductions will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I had a XXXX XXXX XXXX bill that was supposed too been cancelled an they was still billing me even when I switched phone providers an changed my number

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 2026-03-31 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: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I received a call at XXXX, on XXXX XXXX I have an answering service that let her know that I was not available to talk, and I will get back as soon as I was available.and asked her to leave a message. She did leave a message regarding the matter. I was out eating breakfast in XXXX, Virginia, with my husband. At 10 am only3 minutes later the collecter called XXXX my husbands phone he answered the phone she proceeds to give him all the information on my debt account, told him the company it was from. and the amount the originally credit was from. And there have Been payments made up until 2025. She also told him he was on the account. Which was a lie then I enterjected on the call and asked are you speaking with someone named XXXX. He said yes, and I took over the call.I told her she had no right giving out information on my account to my husband she said she had every right because the company can sue and put a lien on the house. The credit in hand has nothing to do with my house. My husbands name was not on the at hand credit application that she was calling about and she had no right giving out any type of information without my permission.As we were out this call created a very uncomfortable environment while out eating and now my husband and I are arguing in public. About a call that could hv been taken care of whn i contacted her back. Date XXXX XXXX XXXX pm XXXX calls my husband again but he didnt answer.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I have verified and sent copies of all forms to supervisor XXXX and you are still denying claims against XXXX XXXX. I was locked up and proved all this. You have police report and documents of release from nys prison. I've done everything I can to prove this. They still withholding my money. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I maintained a Citibank credit card account for approximately XXXX years without payment issues. In late XXXX, the account began showing unauthorized and fraudulent charges, which I reported to Citibank multiple times. Despite those reports, Citibank did not properly investigate or resolve the fraudulent activity and continued to assess interest and fees on disputed charges. The account was charged off in XX/XX/XXXX with a balance of approximately {$34000.00} and later sold to XXXX XXXX XXXX XXXX XXXX XXXX filed a collection lawsuit and obtained a default judgment on XX/XX/XXXX. The judgment was entered procedurally and did not involve judicial review of the accuracy of the balance or the unresolved fraud disputes. After judgment was entered, XXXX immediately initiated bank garnishment. On XX/XX/XXXX, I sent written correspondence by certified mail to XXXX and its counsel disputing the balance due to fraud, requesting a detailed accounting of the debt, documentation supporting XXXX authority to collect, and correction of credit reporting related to this account. That correspondence was delivered, but no substantive response was provided. Instead of addressing the dispute or providing the requested information, XXXX proceeded with enforcement activity and continues to report this account and judgment to consumer reporting agencies in a manner that presents the debt as valid and undisputed. This credit reporting is materially misleading because it does not reflect the fraudaffected nature of the balance or the procedural nature of the judgment. I am seeking correction and removal of inaccurate and unfair credit reporting related to a disputed, fraudaffected account that was never substantively adjudicated on its merits.

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 2026-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
am writing to formally file a complaint regarding the recent restriction placed on my account. I was informed that my account has been restricted and that additional documentation is required. However, I find this action both confusing and frustrating, as I already have an established relationship with Capital One, including an active debit account and a XXXX credit card in good standing. Given this existing history, I do not understand why my account has been restricted without clear explanation, nor why further verification is being requested at this stage. This situation has caused unnecessary inconvenience and has disrupted my ability to access and manage my finances. I respectfully request the following : A clear explanation of why my account was restricted Specific details on what documentation is required and why A prompt review and resolution of this matter I value my relationship with Capital One and expect a reasonable level of transparency and fairness. I would appreciate this issue being escalated and resolved as soon as possible.

Company response to consumer: Closed with explanation