vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint against multiple debt collection agencies for engaging in unlawful collection practices and credit reporting violations under the FDCPA and FCRA. After disputing the alleged debts and requesting validation under 15 U.S.C. XXXXg, the companies failed to provide sufficient documentation proving I owe the debts, such as signed agreements, chain-of-title records, ownership proof, or a full account breakdown. Despite this, they continue collection efforts and may be reporting unverified information to credit bureaus. These actions potentially violate several provisions of federal law, including failures to validate debts, misleading representations, unfair practices, improper collection activity, and inaccurate credit reporting. Overall, their conduct suggests a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information, which may expose them to legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased two money orders from Western Union totaling {$1500.00} to pay my rent. I mailed these money orders to my property management office using a secure United States Postal Service collection box. Several weeks later, I was informed by my property management that the money orders were never received. I contacted Western Union and was advised that both money orders had been fraudulently cashed by an unknown party. I promptly completed and submitted all required fraud claim and refund request documentation as instructed by Western Union. After processing my claim, Western Union informed me that a refund check was issued on XX/XX/XXXX. However, I have never received this refund check. Since that time, I have made multiple attempts to resolve this matter directly with Western Union. Despite my efforts, I have not been provided with a replacement check or a clear resolution. I am being given inconsistent information and ongoing delays. This situation has caused significant financial hardship, as these funds were intended for rent payments. I am requesting that Western Union immediately cancel the original refund check ( if it has not been cashed ) and reissue my full refund of {$1500.00} without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/scrub> 2026, I purchased an item ( a waist trainer ) online from a company called XX/XX/XXXX in the amount of {$71.00} using Cash App. I never received the item, and after waiting, I researched the company and found multiple complaints from other consumers stating that the website is a scam and that items are never delivered. I contacted Cash App to report the issue and request a refund. However, I was informed that they were unable to assist me in recovering my {$71.00}, despite the transaction involving a potentially fraudulent merchant. Additionally, on XX/XX/year>2026, I attempted to purchase gas using the remaining {$13.00} in my Cash App account. The transaction was declined at the pump, and I was unable to receive gas, yet the full amount was still deducted from my account. When I contacted Cash App again regarding this issue, I was told I would have to wait until XX/XX/year>2026, to have my money returned. This situation has caused me significant financial hardship, as that {$13.00} was the last of my available funds. I am requesting that Cash App investigate both transactions, provide immediate reimbursement, and take appropriate action regarding the merchant involved in the initial purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing a complaint regarding the handling of a travel insurance benefit associated with my Bank of America XXXX XXXX XXXX credit card. On XX/XX/year>, my XXXX XXXX flight was cancelled due to weather. I attempted to continue my trip by rebooking, but no flights were available, and I ultimately could not complete the trip. I submitted a Trip Delay claim for expenses incurred due to the disruption. The claim was denied on the basis that I did not take the trip. Following this, I attempted to submit a claim under the Trip Cancellation benefit, since the trip could not be completed. However, I was informed that this claim could not be processed because it was considered a duplicate claim. This creates a situation where : * My Trip Delay claim is denied because I did not take the trip, and * My Trip Cancellation claim is refused because it is considered duplicative As a result, I am being denied any meaningful review under either benefit. I am requesting that the company : 1. Allow a proper review of my claim under the appropriate benefit, or 2. Provide a formal written explanation citing the specific policy language that justifies denying both claims in this manner This issue reflects a failure to provide fair and consistent claims handling for a credit card benefit. I have documentation supporting my claim and communications with the claims administrator. I am seeking a fair review and resolution.

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 2026-03-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the actions taken by Citibank concerning my credit card account. I believe the bank has acted unfairly and without proper justification by reducing my credit limit, restricting access to my available funds, and removing rewards that I had earned. I have maintained a strong payment history on this account. I have never made a late payment and have consistently paid well above the minimum amount due since opening the card. Based on this responsible usage, I had every reason to expect fair and consistent treatment from the lender. At the time of the issue, I made an {$800.00} payment well in advance of the due date. My intention was to use approximately {$400.00} of my available credit to pay my electric bill and earn rewards, as outlined in the cards benefits program. However, when attempting to make the payment, I was only able to use {$200.00} of my credit. This was unexpected and unexplained. Upon reviewing my account, I discovered that Citibank had reduced my credit limit from {$2800.00} to {$2200.00} without prior warning. In addition, it appears that my available credit from my recent payment was restricted, and rewards associated with my account activity were affected or removed. These actions effectively limited my access to funds I had already paid toward the account. Initially, I received an email stating that the credit limit reduction was due to my XXXX XXXX. I waited for further clarification, expecting a formal notice explaining the reasoning. However, I later received communication indicating that the reduction was not based on my XXXX score, which contradicts the initial explanation. This inconsistency raises serious concerns about transparency and fairness. Citibanks actions placed me in a difficult financial situation without warning or clear justification. This is particularly concerning given that I am currently dealing with ongoing medical and legal issues that have already created financial strain.

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 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: TN

Complaint narrative:
I enrolled in a debt settlement program with National Debt Relief and made consistent payments into the program over time. Despite my participation and multiple deposits made into the account, my debts were not successfully resolved, and some accounts progressed to collections and legal action. Throughout the program, I experienced inconsistent results due to fluctuating payment requirements and lack of clear guidance. While I understand payments are required, I was not properly informed of the risks of falling behind or how this would impact the success of the program. I was led to believe that my accounts would be handled and protected from escalation, which did not occur. When I attempted to cancel my enrollment, I experienced extremely unprofessional and aggressive behavior from representatives. I was told I could not easily unenroll and that I would owe additional fees, which felt misleading and coercive. I repeatedly requested cancellation and eventually exited the program. After canceling, I contacted the company to request a refund or review of the fees charged, given that the services did not produce the expected results. My concerns were dismissed, and I was told the outcome was my fault due to missed or inconsistent payments, without acknowledgment of the lack of transparency and guidance provided by the company. I am requesting a review of the fees charged and a refund of payments made, as the services were not delivered in a manner that was clearly explained or effective in resolving my debt situation. Additionally, I believe the companys practices were misleading and predatory, particularly in how risks, fees, and cancellation were communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: MD

Complaint narrative:
On date of service, XX/XX/year>, l was taken to XXXXXXXX XXXX XXXX XXXXXXXX room by ambulance and my active medical insurance was given to intake staff at the hospital. My last name at the time was XXXX and my residence was in XXXXXXXX XXXX. I had XXXX state insurance with XXXX. However, l received a bill from the hospital for {$980.00}. I contacted them by phone and the billing dept said they werent sure how my insurance wasnt submitted correctly but its been over a year so my insurance isnt going to pay it so l needed appeal the bill. A few days later, l received a letter from a dept collector for this balance. I called the hospital billing dept again and left a message. A woman from billing called me and said get an itemized statement from from XXXX XXXX XXXX and dispute it. She said they will contact them after and the bill will be written off. She said in their system, l only show a XXXX balance but they had to sell the account to this dept collector per hospital policy. I disputed the bill and received a letter saying even though the hospital showed XXXX that l still had to pay them. My dispute was denied. I do NOT owe this amount. I had insurance at the time and it was presented to the hospital. It is NOT my fault that the hospital misplaced my insurance info and didnt submit it. I am on a fixed income and on XXXX, currently and at the time. This bill needs to be written off and removed from XXXX XXXX XXXX XXXX XXXX XXXX. It is unfair and very stressful to my well being and credit. Please help in anyway you can with this complaint so l can get a resolution. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I had multiple debits hit my account, which had a balance of {$440.00}. The first debit was for {$52.00}, and then JP Morgan Chase debited my account with two of the largest debits to deplete my account and cause a negative balance. Then they applied five debits totalling {$190.00} and charged me {$34.00} for six overdraft fees. If they had applied the smallest debits first, I would only have been charged for one overdraft fee. This is the same kind of system that XXXX XXXX was employing to earn the most overdraft fees. I want this corrupt practice examined to protect consumers from this type of fraud by banks. It is highly suspicious and needs to be looked into. If you need to contact me You may call me at my office, XXXX. My name is XXXX XXXX. You can plainly see by the files that I uploaded that they applied the largest two debits, after they applied one smaller debit. The two larger ones depleted my account and caused an overdraft immediately, and they charged 6 overdraft fees. I did speak to someone in customer service who said they were only allowed to refund 3 in any year. I feel that only one fee should be charged because if they had applied the debits from low to high, I would have only incurred one overdraft over the negative {$50.00} threshold that they set in their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2026-03-25 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: VA

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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
This is in regards to my citi simplicity credit card. This account has been closed for almost XXXX years and I have been on a payment arrangement. Due to financial issues on XX/XX/year>. I called and spoke to a customer service representative and was able to come to a settlement with Citibank in the amount of {$6800.00}. In our agreement I was going to make XXXX separate payments of {$2200.00}. I made my first payment on XX/XX/year>. During our recorded phone call on XX/XX/year>. I told the customer representative that if I was able to pay this off sooner would I be able to and he responded Yes no problem at all. So on XX/XX/year> I made a payment of {$4500.00} which would have completed our payment arrangement completely. I noticed that I still had a balance and made the phone call XX/XX/year> on a recorded line with Citibank and that customer service representative told me it showed my payments were complete and to give it XXXX days and they will report a XXXX balance. Yesterday XX/XX/XXXX my checking account was charged {$2200.00} by Citibank. when I called the customer service I was on the phone for over an hour and was transferred XXXX separate times. I finally spoke to a customer service representative named XXXX, and she confirmed that that was a duplicate payment, but they can not guarantee that Citibank will refund that to me. this has made my checking account go negative, I have been charged extra fees, and I have lost an hour of work being on the phone yesterday. This is in breach of our contract.

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 2026-03-25 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: CT

Complaint narrative:
I am writing regarding multiple fraudulent transactions on my XXXX account that have not been properly resolved. My XXXX account was compromised, and numerous gift cards were purchased without my authorization. While XXXX identified suspicious activity and was able to stop some attempted purchases, several fraudulent transactions were still processed. Despite acknowledging the suspicious activity, XXXX has refused to issue refunds for the completed purchases. The first unauthorized charge occurred on XX/XX/XXXX, in the amount of {$600.00}. I filed a dispute with Bank of America, and this claim was approved, with the funds credited back to my account. However, my account was compromised again on XX/XX/XXXX, resulting in unauthorized charges of {$200.00} and {$150.00}. I disputed these charges with Bank of America, but both claims were denied. I appealed the decision, and the denial was upheld, with final notice received on XX/XX/XXXX. Additionally, there was another unauthorized charge of {$200.00} on XX/XX/XXXX, for a gift card. I disputed this transaction as well, but it was denied both initially and upon resubmission. I have provided comprehensive documentation from XXXX XXXX Bank of America, including submitting materials in person at the XXXX branch on multiple occasions. This documentation clearly shows that XXXX detected fraudulent activity and even canceled an attempted purchase of XXXX gift cards, further confirming that my account had been compromised. After each incident, I took appropriate steps to secure my account, including changing passwords and updating account information. I have since permanently closed my XXXX account. Given that Bank of America approved my initial fraud claim for similar unauthorized activity, I do not understand why subsequent claims involving the same type of fraud were denied. All disputed transactions stem from the same pattern of account compromise. I have spent over XXXX hours attempting to resolve this issue and have not received a satisfactory explanation or resolution. I would also like to note that in over XXXX years as a Bank of America XXXX, I have only submitted XXXX prior fraud claim. This is not a pattern of behavior, but rather an isolated and unfortunate situation involving account compromise. I am requesting a thorough review of these claims and a clear explanation for the inconsistent handling of these fraudulent transactions.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, unauthorized ATM withdrawals totaling approximately {$1000.00} were made from my checking account without my authorization. The following day, after realizing that my wallet was no longer in my possession, I reviewed my account activity and discovered the unauthorized transactions. My wallet contained my debit card and other personal items. I immediately contacted XXXX XXXX to report the incident and opened a fraud claim. The claim number associated with this incident is XXXX. I explained that my wallet had been lost and that the withdrawals were not made by me. Despite reporting the incident promptly after discovering the unauthorized activity and cooperating with the investigation, XXXX denied my fraud claim. Since that time, I have attempted to follow up regarding this issue but have not received a meaningful response or resolution. As a customer of XXXX for over XXXX years, I am extremely disappointed with how this matter has been handled. I believe the investigation did not adequately consider the circumstances surrounding the loss of my wallet and the unauthorized ATM withdrawals, and I am requesting a fair review of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Validation of Debt Request - XXXX XXXX BANK OF MISSOURI XXXX XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief