vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am disputing this collection account under the Fair Debt Collection Practices Act. You havent verified these debts and have not been validated and no legal proof has been provided showing you OWN or have the legal right to report or collect on them. These accounts are highly injurious to my credit profile. I have not received any purchase agreement, assignment letter, chain of title, or legal documentation proving their ownership or right to collect. Without proper standing or proof of ownership, these items should not be on my report and must be removed. Account : TRUEACCORD C, Account Number : XXXX Please see the attached letter for full dispute details and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX. In XX/XX/year>, I noticed my checking account was overdrawn by {$720.00}. Since I had not made any large purchases I called the bank. The bank told me to call XXXX. I called XXXX and was told that since the item had not shipped, they'd refund the money. XXXX. The next day I saw a driver unloading XXXX boxes, He had already unloaded XXXX before I helped him reload them. These boxes were very heavy but logged it in his handheld showing rejected the boxes. XXXX. At this point the merchandise was returned and I was still waiting on a refund. PayPal tried to take money out of my account two more times, however, there was no money available because I was still waiting on the refund. XXXX. I called PayPal and they were upset that I had called XXXX and said that I had to pay them ( PayPal ). I refused and I still refuse to pay them XXXX. The boxes arrived a second time. However, the driver was a block away and said he contact his manager. So, the boxes remained on the walkway. When I awoke the next morning, the boxes were gone. I assumed the driver took them back and now PayPal is billing and has created a separate account for this, and is taking money from my XXXX account to pay. I'm XXXX old and on fixed income. I want PayPal to stop taking money from me and to refund my XXXX earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I am filing this complaint regarding Citibanks handling of a disputed credit card transaction that I did not authorize. The unauthorized charge of {$910.00} posted to my credit card account on XX/XX/XXXX. For clarity, the timeline is as follows : XX/XX/XXXX Fraudulent charge detected and reported to Citibank immediately. XX/XX/XXXX Airline notified that the booking was unauthorized. XX/XX/XXXX Scheduled departure date of the ticket. XX/XX/XXXX Cancellation email received from XXXX, after the departure date. I reported the transaction to Citibank as unauthorized. During a phone conversation, Customer Service Supervisor XXXX XXXX informed me that the dispute could not be processed as fraud and would not be refunded because the booking was made by my ex-wife and because I know the individual who used the card. I requested a written explanation of this decision, including the specific policy, investigation findings, or legal basis used to deny my claim. I also requested documentation supporting the determination that the transaction was authorized. Despite my request, I have not received any written explanation. I am concerned that Citibanks position suggests that if a cardholder knows the individual who used the card, the transaction can not be considered unauthorized. I did not provide authorization for this transaction. Knowing an individual does not constitute authorization under federal consumer protection laws governing unauthorized credit card use. To resolve this matter, I am requesting the following : A written explanation of the investigation conducted regarding this disputed transaction. The specific policy or legal basis Citibank relied upon to deny the dispute. Documentation supporting Citibanks claim that the transaction was authorized. Clarification of Citibanks standards and procedures for determining unauthorized credit card use. As the primary cardholder, I expect my account to be protected from unauthorized use and for disputes to be investigated and documented in accordance with applicable consumer protection laws. I am requesting a formal written response and appropriate resolution of this dispute. * Supporting documents/attachments include the divorce decree and email communication with the bank, for which I did not receive any reply or explanation.

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 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
My daughter loaned me {$300.00} via Zelle. I went to repay her the money and unfortunately, I selected her old cell phone number which was still listed in my contacts to transfer her back to {$300.00}. My daughter informed me later that day that she had not received the monies therefore I went back into the Zelle application and I realized that I had selected her old phone number. I selected her correct phone number and sent her {$300.00}. I requested that the other number send me back the {$300.00} and did not receive a response. I called XXXX bank and informed them of the mishap. They said they reached out to Zelle and unfortunately they were not able to give me back my {$300.00}. I called the number that previously belonged to my daughter and it constantly goes to voicemail. I dont believe that this is an active phone number and I do not believe. that previously belonged to my daughter and it constantly goes to voicemail. I dont believe that this is an active phone number and I do not believe that this phone number received a {$300.00}. I believe that the monies are within the Zelle system and that they are able to refund my money back and obtain the money from the incorrect person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: OH

Complaint narrative:
Got my credit report early this year XXXX. I had one hard inquiry on my report by US Bank. I made several attempts to call in XXXX they told me that they did not have anything on file in my name nor ssn #, but my Credit Report showing that this inquiry will be removed in XX/XX/year>.. this type of inquiry stays on your report for XXXXwo years ; yet I did not know what the hard inquiry was at that time .. XXXX XXXX just found out on XXXX XXXX that I knew about all of his unauthorized consent of the credit cards that he has C/O, opened/closed, just terminated with XXXX XXXX XXXXXXXX in XXXX : told him hes going to be in trouble for identity Theft-fraudulently opened up credit cards-in my name & checks that hes cashed without my authorization and car loans. My credit report notified me that a change has been made-on XXXX and that the hard inquiry is removed. I have screenshots showing it was for two car loans which I did not authorize. Yeah this is not the first one. He also had a car holding with XXXX XXXX XXXX. Which that was a payout through XXXX XXXX XXXX also, they issued checks in my name and he cashed them as well without my consent using via an virtual online bank. XXXX called in and had them removed this hard inquiry from US Bank trying to cover/erase his tracks. This has been on my credit for two years, causing me financial problems. Im reporting this because this is also fraud identity theft and he has a repeatedly accumulating fraudulent debt/ loans in my name.Ive also reported all dispute/complaints to the FTC and to all the bureaus Ive placed a freeze on credit as well.

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 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NV

Complaint narrative:
I am disputing the 'Ineligible ' status of my student loan account for XXXX and XXXX of XXXX. On XX/XX/year>, my servicer, MOHELA, placed my account into a servicer-initiated XXXX administrative processing forbearance while transitioning my repayment plan from SAVE to IBR. I received a formal notice from MOHELA dated XX/XX/year>, which explicitly stated : 'You will receive credit toward IDR forgiveness... for the time covered by this forbearance. ' Despite this written commitment, my Federal Student Aid ( FSA ) dashboard currently lists these months as 'Ineligible ' for IDR forgiveness. I filed an initial FSA feedback case on XX/XX/year> ( # XXXX ) regarding this discrepancy, but it has remained pending without a response or resolution for nearly a year. I am requesting that MOHELA and the Department of Education honor the terms of the XX/XX/year>, letter and update my payment history to reflect these XXXX months as 'Qualifying. '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
1. XXXXsubmitted Buy Back request for XXXX months to Awaiting Documentation Forbearance 2. XXXX XXXXSubmitted a PSLF Reconsideration request for months XXXX towards PSLF credit 3. XXXX XXXXFiled an escalation with the Federal Student Aid Ombudsman requesting expedited review of concerns listed

Company response to consumer: Untimely response
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Last week I contacted Bank of America customer service to request the closure of my Spirit Airlines credit card ending in XXXX. During that call I clearly stated that I wanted to close the XXXX card only. Instead of closing the XXXX card, Bank of America closed a completely different account : my XXXX XXXX XXXX credit card ending in XXXX This is an account that I actively use and did not request to be closed under any circumstances. I never mentioned the XXXX card during the call. The closure appears to have been the result of an error by the customer service representative. Since discovering the mistake, I have contacted Bank of America customer service twice to request that the XXXX card be reinstated. Both times I was told that an investigation would take XXXX days. I was also told that no claim or case number could be provided. This response is unacceptable given that the closure resulted from a clear error during my call to customer service. The incorrect closure has disrupted my access to a credit account that I actively use. I am requesting the following : Immediate review of the call recording from my original request to confirm that I asked to close the XXXX credit card ending in XXXX. Reinstatement of my XXXX credit card ending in XXXX as soon as possible. Written confirmation explaining how this error occurred and what steps will be taken to correct it. This situation appears to have resulted from a processing error by Bank of America, and I am requesting prompt correction of the mistake.

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
When talking with representatives they couldnt give me financial hardships because during that time I wasnt working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: MS

Complaint narrative:
Funds were taking out of my account tha were not authorized by me and Ive filed a dispute twice that was denied and its too much money to let it just go, filed a complaint with you guys and now my chime account is being closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: CA

Complaint narrative:
I dispute an alleged telecommunications debt that Sunrise Credit Services is attempting to collect on behalf of XXXX. On XX/XX/year>, at approximately XXXX PM, I placed an XXXX call to XXXX at ( XXXX ) XXXX and requested cancellation of my internet service. In approximately XX/XX/year>, I returned XXXX equipment to a physical XXXX store. Despite my cancellation request and equipment return, XXXX continued billing the account for later service periods. The balance later accumulated to approximately {$250.00} and was referred to Sunrise Credit Services for collection. I do not owe this debt because the service had already been cancelled and equipment returned. I requested validation of the alleged debt including billing history, call logs, cancellation records, disconnect records, equipment return records, and proof of the collectors authority to collect the debt. This information has not been provided. Because the debt is disputed, collection activity should stop until the debt is properly verified and any inaccurate information reported to credit bureaus should be corrected or 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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
My name XXXX XXXX XXXX -- i don't know about credit card is XXXX XXXX bank of XX/XX/XXXX its not belong to I never ever apply credit of this bank so please dispute this card from my account -- someone fraud-or some miss match information of with me -- so please solve my problem thank you

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 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I disputed an automobile loan account reported by Global Lending Services on my credit report. The account shows an original loan amount of approximately {$28000.00} and a balance reported around {$30000.00} with a charge-off status. I requested verification of this account and asked the company to provide the original signed agreement, the complete payment history, and documentation showing how the balance and the charge-off amount were calculated. The company responded that the account was verified as accurate, but they did not provide the documents I requested. Because I did not receive the requested documentation, I can not confirm that the balance and the charge-off status being reported are accurate. I believe the investigation may have been incomplete and the information being reported may be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have loans and credit card accounts opened up in my name that are not belonging to me and I need them removed immediately.

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 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I sent this company a debt validation letter back on XX/XX/year>. and then i sent another letter to them on XX/XX/year>, to inform them that they never answered the debt validation and that they were under violation of the fair debt collection practices act. now they just keep calling me all hours of the day and night. and they reported this on to my credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Collection agency illegally acquiring Debt not belonging to me and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: Affirm Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, I placed order # XXXX ( XXXX XXXX ) and canceled it one minute later ( XXXX XXXX ). Despite this, the merchant shipped the item. On XX/XX/XXXX, the merchant manager ( XXXX XXXX promised in writing to " assist with the return '' if I kept the package unopened. I have strictly followed these instructions, but the merchant has since ignored three follow-up attempts and refused to provide a return label. Affirm has denied two disputes solely on the basis of delivery confirmation, completely ignoring the merchant 's breach of its written return agreement and the consumer 's subsequent abandonment. I am seeking a full refund of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a collection account being reported for {$3800.00} that is listed as a XXXX debt sold to a debt buyer. I contacted XXXX directly to verify this account. XXXX informed me that they have no record of this account or any outstanding debt associated with my information. Because the original creditor can not verify the account, I believe the collection may be inaccurate or improperly reported. Despite this, the account continues to appear on my credit report and is harming my credit. I am requesting that the company provide full validation of the alleged debt, including documentation from the original creditor showing that the account belongs to me. If the company can not provide proper verification, I request that the collection account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have been a credit card customer with Bank of America for approximately XXXX years and have consistently made my payments on time during that period without any prior late payments. In XX/XX/year>, a payment on my credit card account became XXXX days past due and was reported as a late payment. Around that time, I was dealing with a medical situation that required a hospital visit, which contributed to me not realizing that the payment had not been made and missing the notifications that the account was past due. As soon as I realized the payment had not been processed, I immediately paid the balance. This was an isolated incident and not intentional, especially given my XXXX-year history of on-time payments with Bank of America. After discovering the late payment reporting, I contacted Bank of America customer service to explain the circumstances and my long payment history. I requested that the late payment be reviewed and removed as a one-time courtesy. I was informed that Bank of America does not provide goodwill adjustments or remove late payment reporting. Given my history of on-time payments and the circumstances surrounding this incident, I am requesting that this matter be reviewed.

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 2026-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I've tried to dispute this numerous times and they just for note with no explanation say that it's going to stay at my report I've asked for the last time I've asked for verification and validation report I want them to prove that I use this service because I did not and if somebody else used it as me then I'm not paying for it and I shouldn't have to and it shouldn't be affecting my credit especially if they refuse to go by the Fair credit reporting I can give me written validation and verification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I am trying to file this complaint with JPMorgan Chase Bank regarding they closed one of my credit cards without reason and notice. It is an XXXX XXXX credit card. I called and the XXXX told me it was closed in XX/XX/XXXX but he can not see the reason. I should have some reward points there. But of course if they closed the account and I will lose all of them. The only information I have now is from the last statement in XX/XX/XXXX. It shows I have a balance of XXXX points at that time. They can not just close a customers account and take away all the points without any reason.

Company response to consumer: Closed with explanation