vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, a transaction for {$5400.00} was charged to my PayPal XXXX account. I disputed the charge because I did not receive the services associated with the transaction. The transaction occurred after I was directed by individuals associated with what I later came to believe was a deceptive scheme to click links and follow steps that were presented as necessary to proceed. As a result, I was induced into a transaction that I did not fully understand and would not have knowingly entered into had the circumstances been accurately represented. I repeatedly informed PayPal that I did not receive the services and that I disputed liability for the charge. I also explained that I have safety concerns regarding contact with the merchant and do not feel safe re-engaging with them directly. PayPal denied my dispute based on the merchants assertion that services were delivered. However, I maintain that no legitimate services were provided to me. I requested information regarding the basis for the denial and the evidence relied upon to conclude that services were delivered, but I was not provided with the documentation I requested. Despite my dispute and supporting information, PayPal continues to hold me responsible for the balance. I do not believe I should be financially liable for services that were not received and for a transaction that was induced through deceptive conduct. I am requesting that PayPal XXXX conduct an independent review of this matter and remove liability for the disputed transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXTransunion and XXXX violated my rights as a consumer under XXXX XXXX XXXX and I need these inquires blocked and deleted from my credit report within XXXX days of receiving this ftc report under fcra law XXXX. Remove; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-06-07 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: FCTI, Inc.
State: CA

Complaint narrative:
I went to the atm at XXXX XXXX on XXXX XXXX in XXXX ca I withdraw {$100.00} dollars at XXXX Friday XX/XX/year> Later that night around XXXX I notice a second withdrawal from my account for {$700.00} without my authorization. I tried calling the atm machine and they said a dispute need to be made through my card provider. I then called my provider but my card provider stated I need to make a police report. So I tried to make a police report but XXXX XXXX stated I can not file a report because its not a criminal matter, but I should be able to still file a civil police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
COMPLAINT AGAINST : JPMorgan Chase Bank, N.A. Account No : XXXX Previous CFPB Cases : XXXX and XXXX This is my third CFPB complaint as Chase has failed to respond to XXXX XXXX prior complaints ( Case XXXX. XXXX and XXXX ). Chase Bank has caused catastrophic and escalating financial harm to me and my XXXX minor children through the following documented actions : XXXX. FRAUD & WRONGFUL REVERSALS : XXXX wrongfully reversed {$3200.00} in fraud dispute credits despite my submitting a sworn affidavit notarized in XXXX XXXX Alabama, a filed police report with XXXX XXXX ( Case dated XX/XX/XXXX, Alabama Uniform Incident Report, offense code XXXX and XXXX ), XXXX certified recorded call transcripts, and XXXX supporting documents. XXXX. BROKEN PROMISE ON RECORDED LINE : A Chase representative on a recorded line explicitly promised full reimbursement if I submitted a XXXX XXXX screenshot showing no active account. I submitted this and Chase still refused to restore my funds. XXXX. UTILITY DISCONNECTION : As a direct result of Chases actions I have received a disconnection notice from XXXX XXXX for {$170.00} due XX/XX/XXXX at XXXX XXXX XXXX, XXXX Alabama XXXX. I have XXXX minor children in this home. XXXX CREDIT DESTRUCTION : Chases wrongful actions have caused my XXXX XXXX to drop XXXX points, including an auto loan now reporting XXXX days late with XXXXn, account XXXX. opened XX/XX/XXXX, balance {$23000.00}. This damage was caused entirely by XXXX withholding my funds. XXXX. FAILED BILL PAYMENTS : XXXX and other recurring bills are failing due to Chases negative balance on my account caused entirely by their error. XXXX. XXXX DISCRIMINATION : A screenshot from Chases own Digital Assistant portal, sent to me by a third party, shows Chases system responding to a query about my account with the statement that I should learn from XXXX people and that while he is a white male different treatment applies. This constitutes a potential violation of the Equal Credit Opportunity Act and federal civil rights law and must be investigated immediately. XXXX. NO PROVISIONAL CREDIT : Chase has refused to issue any provisional credit during their investigation in apparent violation of Regulation XXXX, leaving my family without access to funds for basic necessities including food and gas. I have filed a police report, sworn affidavit, XXXX certified transcripts, and all requested documentation. Chases XXXX XXXX acknowledged my case and stated funds would be restored but has taken no action. I am requesting immediate intervention, full restoration of {$3200.00}, reversal of all credit damage, and investigation of the XXXX discrimination incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage servicer is LoanCare , LLC, servicing an XXXX loan owned by XXXX XXXX XXXX XXXX XXXX XXXX By cover letter dated XX/XX/XXXX, LoanCare approved me for an FHA partial claim of {$12000.00} to resolve my XX/XX/XXXX through XX/XX/XXXX payments, and stated twice that properly executed documents had to be received by XX/XX/XXXX. I complied. My documents were notarized on XX/XX/XXXX by the mobile notary that LoanCare itself arranged. That notary kept the executed package and shipped it herself using LoanCare 's own prepaid XXXX return label ( tracking no. XXXX ) to the exact return address LoanCare designated. XXXX records show the package was accepted XX/XX/XXXX and delivered to LoanCare 's designated address on XX/XX/XXXX at XXXX AM XXXX days before LoanCare 's own deadline. The package never returned to my possession after signing. LoanCare nonetheless refused to finalize the partial claim. A representative told me by phone it was because my package was " received late. '' I never received any written denial. The " late '' determination is contradicted by LoanCare 's own letter, its own notary 's written confirmation that she shipped it, and XXXX 's delivery record. Because the approved partial claim was never put into effect, the agreed terms ( next payment due XX/XX/XXXX at {$2900.00} ) never started, and additional months of delinquency, late fees, and derogatory credit reporting have accrued through no fault of mine. On XX/XX/XXXX, a foreclosure action was filed against me ( XXXX XXXX. XXXX, Eleventh XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX a foreclosure that would not exist if LoanCare had honored my timely submission. No foreclosure sale is scheduled. On XX/XX/XXXX I sent LoanCare a Notice of Error under XXXX XXXX XXXX and a Request for Information under XXXX XXXX XXXX by email, with certified mail following XX/XX/XXXX, copied to HUD and to the foreclosure firm. I have supporting documents ( LoanCare 's approval letter, the prepaid label, XXXX proof of delivery, and text messages with LoanCare 's notary ) and can provide them on request.

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 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
By way of record with this complaint, I would like to solidify my recorded phone conversation XX/XX/XXXX at XXXX with agent ID : XXXX XXXX This is for a XXXX card issued by TD Retail card services ( f/k/a TD Bank, XXXX XXXX XXXX Specifically, I was informed of the following during the phone call : I was approved for a XXXX month forbearance agreement starting on XX/XX/XXXX with monthly reduced payments of : {$78.00}. A late fee refund of {$80.00} was processed on the account ( XXXX {$40.00} late fees ). Standard monthly payments will resume on XX/XX/XXXX. I was advised not to begin the reduced payments until I receive a paper letter in the mail. I was informed that I will not be reported late to the credit reporting repositories while I wait for the confirmation letter regarding reduced payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
Escrow history XX/XX/XXXX - XX/XX/XXXX Escrow interest accrued on XX/XX/XXXX- {$1300.00} and on XX/XX/XXXX - & XXXX equalling total of {$2600.00}, where is this money going? Listed on your document from XXXX property XXXX 's. Paid {$5200.00} should have been {$2800.00}. prop tax is {$2500.00} XXXX should have been {$5400.00} NOT {$7800.00} Where did the extra money GO? I keep asking the same question over and over again and still no answer. After contacting XXXX on this issue my payment was lowered. So for almost a year I have been paying too much? Also my case was closed after they responded? What I don't have a chance to respond to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX North, XXXX XXXX XXXX, FL XXXX. Capital One is reporting a charged-off account of {$7200.00} ( account ending XXXX, opened XX/XX/XXXX ). NOTE : This complaint is only about the charged-off account ending XXXX, NOT my open Capital One account in good standing. VIOLATION XXXX BALANCE DISCREPANCY ( XXXX U.S.C. XXXX ( b ) ) : This account shows {$7200.00} on XXXX XXXX XXXX but {$0.00} on XXXX. XXXX bureaus show different facts about the same debt. This proves the data is unverified. VIOLATION XXXX MISSING CLOSED DATE AND CREDIT LIMIT : No closed date appears on XXXX XXXX XXXX despite XXXX showing XX/XX/XXXX. Credit limit is missing on XXXX. These required fields are absent on XXXX of XXXX bureaus. VIOLATION XXXX FAILURE TO PROVIDE METHOD OF VERIFICATION ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) : Following Round XXXX dispute, Capital One verified this account without providing me the method of verification as required by law. I demand deletion of this charged-off account from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: VA

Complaint narrative:
Here 's the letter with the address and today 's date filled in : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2026 INDebted USA , Inc . Re : Request for Debt Validation Klarna Account To Whom It May Concern : I am responding to your attempts to collect an alleged debt that you claim I owe on behalf of XXXX. in the amount of XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I dispute this debt and request that you provide the following information : 1. The name and address of the original creditor. 2. The account number associated with the alleged debt. 3. The amount of the debt, including any fees, interest, or other charges. 4. Documentation showing that I am legally obligated to pay this debt. 5. Documentation showing that your company has the authority to collect on this debt. 6. A complete payment history for the account. Until you provide proper validation of this debt, I request that all collection activity cease and that you do not report or continue reporting this account to any consumer reporting agency without verifying its accuracy. This letter is not an acknowledgment of liability for the debt and should not be construed as acceptance of responsibility for the alleged account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year>, I opened a Chase Total Checking account at the branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to secure a {$400.00} new account promotional offer ( Code : XXXX XXXX XXXX XXXX ). Due to mobile app technical issues, I visited the branch for assistance. Branch management verified my eligibility, provided repeated verbal assurances, and induced me to open the account with their manual assistance. I have since exceeded the requirement by depositing over {$5000.00}, far surpassing the {$1000.00} requirement. Despite fulfilling all requirements, the bonus has not been credited. My efforts to resolve this have been met with obstruction : I was previously hung up on by a branch manager, and a subsequent customer service representative insisted that I have 'no choice ' but to return to the branch, while simultaneously refusing to provide any resolution on the call. That representative explicitly admitted they were merely filing a 'complaint submission'an administrative task they stated carries no guarantee of successeffectively performing a procedural omission of actual help. This tactic places the burden on me to return to a branch that is not a safe or viable option. The banks use of administrative 'complaint submissions ' that provide no certainty, combined with the hostile conduct of management and the dismissive coercion of customer service, constitutes a deceptive and abusive practice. I have already filed a formal report regarding the conduct at this branch ( Report XXXX : XXXX ) and have exhausted all internal escalation paths. I am requesting that a corporate compliance officer review the internal logs of this interaction to confirm the promotional eligibility promised to me and to manually credit the {$400.00} bonus immediately, without requiring any further in-person branch visits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I entered into a joint auto loan with Truist Bank for a new vehicle, XXXX XXXX. The account was charged off in XX/XX/XXXX in the amount of {$43000.00}. Despite the charge-off, Truist Bank has not released the lien on the vehicle title, leaving an active encumbrance on a vehicle that remains in my lawful possession. Prior to the charge-off, Truist Bank made unsuccessful attempts to repossess the vehicle but was unable to locate it. The co-obligant LLC on this joint account has since dissolved and no longer exists as a legal entity, yet Truist Bank continues to maintain an unreleased lien and report this as an active joint obligation. On XX/XX/XXXX, I sent a formal written settlement demand via XXXX XXXX Mail to Truist Bank 's Loss Mitigation Department at two separate addresses. Delivery was confirmed XX/XX/XXXX and XX/XX/XXXX via signed Return Receipt. In my demand I offered a negotiated lump-sum settlement payment in exchange for lien release XXXX clean title transfer, and full tradeline deletion from all consumer reporting agencies. I specifically requested that Truist Bank respond in writing with their best and final settlement figure so that payment could be arranged and the lien formally released. As of today, XX/XX/XXXX 31 days after confirmed delivery Truist Bank has not responded in any form whatsoever. Their complete non-response constitutes a refusal to negotiate in good faith, failure to address an unreleased lien on a charged-off account, and disregard for my rights as a consumer under applicable federal law.

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 2026-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CARS Acquisition, LLC
State: GA

Complaint narrative:
b'Hello CAR FINANCIAL SERVICES,\n\nI am writing to formally complain about the inaccurate and misleading information you have reported on my credit report. This inaccurate information is preventing me from obtaining credit and is damaging my financial well-being and character.\n\nEnclosed with this letter are the details of the account in dispute, including my personal information to verify my identity. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or remove this item from my credit report as soon as possible. This is a serious matter affecting my daily life.\n\nThe outlined item is completely inaccurate and a serious error in reporting. Please update this information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount NumberXXXX XXXX XXXXThis account is listed as a collection/charged off account on my credit report, but I have never received a 1099C for this charged-off debt. Can you please provide me with a 1099C to accurately reflect this as a charge-off for tax purposes and update my credit report accordingly or delete it immediately?\n\nPursuant to 15 US section 1681i (6) (A) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigationXXXXhank you for your attention to this matteXXXX XXXX XXXX XXXX XXXX XXXX XXXX appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a laid ess blem trari a hin employment. Please consider expediting'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Adjusters, Dear National Credit Adjusters, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. Best, XXXX XXXX

Company response to consumer: Closed with explanation