vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: Absolute Resolutions Corp.
State: MD

Complaint narrative:
I am filing a complaint against Absolute Resolutions Investments , LLC, regarding collection activity on an alleged consumer debt originally associated with XXXX XXXX XXXX XXXX dating back to approximately XXXX. A lawsuit was filed against me in XXXX, and a judgment was entered without my knowledge. I was never properly served with the Summons and Complaint and therefore was denied the opportunity to appear in court or assert defenses, including statute of limitations and proof of ownership of the debt. I did not receive personal service, did not sign for certified mail, and no member of my household accepted service. Despite this, a wage garnishment has been issued against my federal employment.I am currently the primary financial provider for dependent children, including a child diagnosed with a mental health condition requiring ongoing care and treatment, as well as a child receiving necessary private educational services. The garnishment creates severe financial hardship and threatens my ability to provide essential medical and educational support. I have filed a Motion to Vacate Judgment and Stay Garnishment with the District Court of Maryland due to improper service.I am requesting that Absolute Resolutions Investments , LLC provide : Proof of lawful service of process ; Complete validation of the alleged debt. Documentation proving legal ownership and assignment of the debt ; Verification that all collection and legal actions comply with federal and Maryland consumer protection laws. I further request investigation into whether threatening or enforcing wage garnishment without proper service constitutes unfair or deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX XXXX XXXX I contacted Synchrony bank about fraud charges on my account over {$9000.00} that were made in XXXX Someone there also changed my name and address on the account There were XXXX charges that they said they approved as fraudulent but still are charging me {$9000.00} + I have called several times with no resolution In XXXX a fraud agent took all the information again and said it would be handled this time I called this week and none of the information I gave in XXXX was in their file on my account

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 2026-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez XXXX XXXX is escrowing my home insurance without my consent whichis a breach of my contract. My Closing Disclosure cleary states my Home Insurance is NOT to be escrowed. I have submitted requests to fix this error many times. Each time I have been denied, even after custom service themselves has confirmed my Closing Disclosure says " NO '' for Home Insurance Escrow. The error has increased my monthly mortgage by {$900.00}. I need this error fixed immediatelyand my monthly mortgagereturned to the normal rate. NewRez is unwilling to honor my contract with them. I have included a copy of my CD and payment history with Citizens Insurance.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TransferWise Ltd
State: TX

Complaint narrative:
I am filing a complaint regarding Wises handling of my billing dispute for merchandise that was never delivered. I filed a dispute for a charge related to an item purchased through XXXX XXXX. The package was never received at my designated XXXX XXXX XXXX XXXX. XXXX has confirmed that the package was not accepted into my XXXX XXXX XXXX The merchants only alleged proof of delivery consisted of photographs of a package outside a XXXX location. These photographs do not show : The package inside my XXXX XXXX XXXX by XXXX personnel A delivery scan confirming receipt A signature confirmation Verification of delivery to my assigned XXXX XXXX XXXX this, Wise denied my dispute. Wise has refused to provide : Documentation of the investigation The specific evidence relied upon in denying my claim Confirmation of whether they contacted the XXXX An explanation of how the merchant met the burden of proof I requested written documentation supporting the denial, but Wise has not provided it. Under consumer protection standards governing electronic fund transfers and billing disputes, financial institutions are required to conduct a reasonable investigation and provide findings. Wises refusal to provide documentation and transparency raises concerns about whether a proper investigation was conducted. I am requesting : A copy of all documentation relied upon in denying my dispute A written explanation of the investigation performed Reconsideration of my dispute based on the lack of verified delivery This matter involves failure to deliver goods and inadequate dispute resolution procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: COMMERCE BANK
State: MN

Complaint narrative:
Please see the document I have attached. It describes, in detail, XXXX fraudulent charges on my CommerceBank XXXX that I am having difficulty resolving with the company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Paypal Holdings, Inc

Complaint narrative:
In the week starting XX/XX/XXXX, I tried to access my paypal account. I was sent to the verification pgee where I first tried to answer my security questions. Repeaatedly told I geve the wrong answers. I have the answers written down so I knew they were right. I tried to do it by phone number but realized they had the wrong number. I cant change the number because I cant acccess my account. I cant even gt customer support without acceessing m account. I am blocked from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA
State: NC

Complaint narrative:
I did not receive notice of this debt or that it went into collections. My schooling was paid for by the VA in XXXX. The school did not communicate to me that funds were due. I did not receive a letter, email, or phone call indicating the debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding Regions Banks loan servicing transparency and disclosure practices related to daily simple interest accrual and payment processing. This loan accrues interest on a daily simple interest basis. While daily interest loans are not uncommon, I do not believe the material impact of daily accrual on payment timing, processing delays, and total interest cost was clearly explained at origination. Specifically : The loan accrues interest daily, meaning the date a payment is credited materially affects the total interest paid. Payments sent through third-party bill pay services are processed via mailed physical checks rather than electronic transfer, resulting in significant crediting delays. The online servicing platform does not provide clear, real-time visibility into daily interest accrual, per diem amounts, or transparent breakdowns of how payments are applied between principal and interest. The platform previously allowed fixed-date recurring payments. However, when editing payment details ( including payment amount ), the fixed-date option was eliminated without clear disclosure that this feature would no longer be available. There are limited options to schedule fixed-date payments at customized amounts, and changes to automatic payment settings are not clearly explained in terms of long-term impact. On a daily simple interest loan, lack of clarity around payment credit timing and servicing limitations can materially increase the total cost of borrowing. My concern is not that daily simple interest loans are inherently improper, but that consumers should clearly understand : How daily accrual affects payoff strategy How payment crediting timing impacts total interest How servicing limitations ( such as mailed check processing ) affect loan cost When modifying payment settings will permanently alter available options The current online platform does not provide sufficient transparency or proactive disclosure for consumers to fully understand these implications.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter in formal response to your recent communication regarding the alleged debt referenced above. I am officially disputing the validity of this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. To date, you have failed to provide a shred of legal evidence that I have any contractual obligation to your agency or that the amount you are claiming is even accurate. I demand that you provide the following documentation within 30 days : Proof of Legal Authority : A copy of the original contract or agreement bearing my signature. Chain of Title : A complete breakdown of the chain of assignment from the original creditor to your agency. Itemized Ledger : A full accounting of the alleged debt, including the original balance and a detailed list of every fee, interest charge, or " collection cost '' added. Verification of License : Evidence that you are legally licensed to collect debts in my state. Notice Regarding Credit Reporting ( FCRA Compliance ) : Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate or unverified information to the credit bureaus. If you have already reported this unverified debt, you must immediately mark it as " Disputed '' with all credit reporting agencies. Failure to provide the requested validation while continuing to report this item or pursuing collection efforts constitutes a willful violation of federal law. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my States Attorney General. Cease and Desist : Until you provide the legal proof demanded above, you are hereby ordered to cease all collection activity. Do not contact me by phone at my place of residence or employment. All future correspondence must be in writing via XXXX. Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX unauthorized XXXX transactions appeared on my Chase Ink Business Unlimited credit card. I immediately reported the fraud to XXXX and Chase on XX/XX/XXXX, requested cancellation, and secured my account. On XX/XX/XXXX, Chase denied my fraud claim. After receiving the denial letter on XX/XX/XXXX, I returned the merchandise the same day to reduce financial harm. On XX/XX/XXXX, I contacted Chase supervisor XXXX and reopened the investigation, providing new information. At Chases instruction, I contacted XXXX and spoke with a XXXX supervisor named XXXX, who confirmed my XXXX account had been compromised and that the transactions were unauthorized. He stated XXXX internal records were updated to reflect account compromise and unauthorized activity. I immediately notified Chase and requested that Chase obtain updated fraud confirmation directly from XXXX through its merchant and fraud investigation channels as part of the second investigation. Chase closed the second investigation on XX/XX/XXXX and XX/XX/XXXX, stating there was no indication of fraud and relying on earlier merchant information. Chase did not obtain updated fraud documentation from XXXX reflecting its corrected internal records. I filed CFPB Complaint No. XXXX. Chase responded on XX/XX/XXXX, again stating there was no indication of fraud. On XX/XX/XXXX, after escalation to XXXX XXXX XXXX, XXXX XXXX XXXX confirmed in writing that all XXXX transactions had been coded in XXXX XXXX as Fraud/Unauthorized and issued the remaining refunds. XXXX also stated that financial institutions may coordinate directly with XXXX XXXX team if additional information is required to support accurate reporting. This confirms that the transactions resulted from account takeover fraud and that updated merchant fraud documentation existed. Chases prior investigations and CFPB response relied on incomplete or outdated merchant information and failed to obtain updated fraud confirmation available through XXXX fraud investigation channels. I am submitting XXXX XXXX XXXX written fraud confirmation and refund documentation as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: MS

Complaint narrative:
MOHELA is reporting inaccurate information on my federal student loan to the credit bureaus. The account reflects a current balance that exceeds the original loan balance, without any clear explanation or documentation supporting the increase. Additionally, the payment history shows extended periods marked as ND ( No Data ), which indicates incomplete or unverifiable reporting. This makes it impossible to confirm whether the information being furnished is accurate or complete. I disputed this account with the credit reporting agency and requested verification from MOHELA, including a full payment history and documentation supporting the balance reported. MOHELA has not provided the requested information or adequate verification. Because the account information has not been properly substantiated, I believe MOHELA is violating its obligations under the Fair Credit Reporting Act by continuing to report inaccurate or incomplete information. I am requesting that the inaccurate reporting be corrected or the account be removed if it can not be fully verified.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts and and inquiries on my consumer report. I've listed in my dispute letter the accounts that were opened fraudulently. UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MS

Complaint narrative:
A third-party debt collector, Rent Recovery Solutions , is reporting a rental collection account on my credit report in the amount of {$3700.00}, allegedly owed to a prior landlord/property manager. I dispute that this debt is valid and legally owed as reported. I previously requested verification of this alleged debt, including a copy of the signed lease, a complete and itemized statement of charges, proof of move-out damages if any, and documentation showing the collectors legal authority to collect and report this debt. The company has not provided the requested verification or documentation. Despite failing to properly validate the debt, Rent Recovery Solutions continues to report this account to the credit bureaus, which I believe is inaccurate and incomplete. Reporting an unverified rental debt is misleading and does not comply with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that this account be removed from my credit report unless the company can provide full and verifiable documentation substantiating the debt and the amount claimed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter in response to your communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of this debt. I have no record of this debt and, to date, you have provided no evidence that I have a legal obligation to pay you. Please provide the following documentation : Proof of Liability : A copy of the original signed contract or agreement creating the debt. Verification of Amount : An itemized accounting of the alleged debt, including the original balance, any interest charged, and fees added. Proof of Ownership : Documentation proving that you have the legal right to collect this debt ( e.g., a bill of sale or assignment from the original creditor ). License Verification : Evidence that you are licensed to collect debts in my state. Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ), if you have reported this unverified information to any credit reporting agencies, you are required to mark the account as " disputed. '' If you can not provide the requested validation, I expect this account to be removed from my credit report immediately. Please be advised that I am not refusing to pay, but rather exercising my right to ensure this claim is valid. Until such time as you provide the requested proof, you must cease all collection activity. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a XXXX account by chase that was closed in XXXX. I never received the balance from my account. When I went to the chase branch they told me to bring in identification and they would release my funds. They never did. They instead told me to call the number and then when I called they would tell me to go back into a branch with ID. I also called and spoke to the corporate division back in XXXX when it happened and still did not receive anything. It got so frustrating that I gave up on trying to get my money back. It was about {$900.00} and some change and I never got it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding repeated credit line reductions on my Citibank credit card accounts. Beginning in XX/XX/XXXX, Citibank significantly reduced the credit limits on several of my accounts. Since that time, the credit limits have continued to be lowered repeatedly. In multiple instances, the credit limit was reduced again shortly after I made payments on the account balances. As a result, even when I make payments to reduce balances, the available credit is immediately reduced again. This creates a pattern where the credit limit remains close to the outstanding balance and prevents the account from recovering normal utilization levels. I contacted Citibanks executive customer service team by email on XX/XX/XXXX requesting a review of these repeated credit line reductions and asking for clarification about the factors affecting my accounts. I have not received any response. I am requesting : A written explanation for the repeated credit line reductions A review of my accounts to determine whether the credit limits can be restored or adjusted Clarification of what actions or account conditions would qualify the accounts for reconsideration in the future I am not disputing the balances on the accounts. I am simply requesting a fair review and explanation of the continued reductions and lack of response to my inquiry.

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