vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 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: ROBINHOOD MARKETS INC.
State: VT

Complaint narrative:
I am filing this complaint against Robinhood regarding a credit card account that was never activated, yet has accrued significant fees. 1. Non-Receipt of Card and Lack of Activation : Robinhood claims a credit card was delivered to me on XX/XX/XXXX. I never received this card, nor did I ever receive account disclosures or access instructions. Most importantly, I never activated this card. Despite the card never being activated or used, Robinhood charged a {$50.00} annual subscription fee to the account. 2. Predatory Fee Accumulation : Because I never received the card or any statements, I was unaware of the balance. Robinhood has since charged me multiple late fees of {$40.00} each. I am now receiving demands for a payment of over {$120.00}. It is unreasonable to charge {$40.00} penalties on an unactivated account where the consumer has no means to view a statement or verify the debt. XXXX. Failure of Customer Service ( Case Date : XX/XX/XXXX ) : I contacted customer service via text on XX/XX/XXXX to resolve this. The agents refused to help, stating only that their system showed the card as " delivered. '' They ignored my statement that the card was never received. Instead of resolving the billing error, they pressured me to pay the late fees and use a " virtual card '' a service I could not access without the account information they refused to provide. XXXX. Unfulfilled Management Escalation : During my contacts with at least five different agents, I was promised a callback from a manager to discuss closing the account. That callback never occurred. Robinhood continues to send automated payment demands while failing to address the underlying delivery and activation issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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
State: PA

Complaint narrative:
-Improper account limitation and withholding of funds I am filing this complaint regarding PayPals permanent limitation of a financial account belonging to a 508 ( c ) ( 1 ) ( A ) religious ministry organization. -The ministry is a separate religious entity and is not financially liable for any individuals personal PayPal account. However, PayPal appears to have improperly linked the ministry account to a personal account with a negative balance and has restricted access to the ministrys funds as a result. -The ministry does not owe any debt to PayPal , nor did it authorize any offset or collection action against its funds. The funds in the account consist of religious contributions and operational funds belonging solely to the ministry. -PayPals actions raise serious concerns regarding : -Improper association of separate accounts -Wrongful withholding of funds -Potential improper offset of unrelated financial obligations -Lack of clear justification for the permanent limitation The ministry operates as a faith-based organization protected under the First Amendment and federal law, including Religious Freedom Restoration Act, as well as financial regulations under Title 12 of the United States Code, Title 31 of the United States Code, and 31 CFR . -Despite multiple good-faith appeals, PayPal has not provided a sufficient explanation or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: NY

Complaint narrative:
On XX/XX/year> I recieved a text message regarding possible fraud charges on my chase freedom credit card. I responded saying that it was indeed fraud. What Chase did not notify me was that duplicate charges were made within miliseconds of each other and chase only blocked 1 of those charges of {$970.00} to XXXX XXXX, and the second charge of {$970.00} to XXXX XXXX was allowed to be posted on my statement, bring me within {$200.00} of my credit limit ( which will be reported to credit bureaus causing my score to drop as it was there on my most recent statement. I have called 4 times about having the fraud charge removed or credited and even after being told it would be, I have yet to recieve any credit after almost 20 days. Every time I have called I have asked to receive proof of correspondence and a summary of the conversation yet I have been denied this every time. I have already got sent 2 new credit cards trying to resolve this and it has yet to be resolved in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am experiencing an issue with Midland Credit Management regarding a debt collection account that is not mine. The account number in question is XXXX, with a current balance listed as {$330.00}. This account is currently affecting my credit scores, which are XXXX XXXX, XXXX XXXX, and XXXX XXXX, and has been reported as a collections account. On XX/XX/year>, I filed a dispute labeled as 'Incorrect Details ' but have not received any satisfactory resolution. I have never opened an account with this creditor, nor have I authorized any debt that Midland Credit Management claims I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any debt that I believe is incorrect or not mine, and creditors must provide verification of the debt. Despite my attempts to resolve this matter, I have not received any documentation proving that this debt is valid or belongs to me. This situation is causing significant harm to my credit profile and financial well-being. The erroneous reporting of this account as a legitimate debt I owe is artificially lowering my credit scores, thus affecting my ability to obtain credit on favorable terms. It also impacts my peace of mind, knowing that my creditworthiness is being unfairly tarnished due to an error that should have been corrected upon my initial dispute. I am seeking the complete removal of this account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. I believe this is a reasonable request given that the debt is not mine, and Midland Credit Management has not provided any verifiable evidence to the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint against U.S. Bank regarding my " XXXX XXXX XXXX '' credit card. I applied for this card specifically for the advertised 12-month 0 % introductory APR. After receiving the card, I attempted multiple times to link my external business checking account via the U.S. Bank website to set up autopay. The website failed to complete the link, citing technical errors. This prevented me from making the first payment on time despite my good-faith effort to automate the process. When I contacted customer service on XX/XX/year>, the representative confirmed a late fee and interest were charged. More importantly, they stated that because the first payment was late, the 12-month 0 % APR promotion has been permanently revoked. I believe this is an unfair practice. The " default '' was caused by a documented technical failure of the banks own online platform, which served as a barrier to payment. I am requesting that U.S. Bank : 1. Reinstate the 12-month 0 % introductory APR. 2. Reverse the late fee and interest charges. 3. Ensure no negative reporting is made to business or personal credit bureaus regarding this technical error.

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 2026-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX the house burnt down and fifth third bank received a check from XXXX XXXX XXXX for {$39000.00} which they told was the payoff amount havent heard anything from bank in 2 years now they are trying to evict me from the house which is no more and my lawyer put me over the estate of my parents XXXX and XXXX XXXX XX/XX/XXXX. Ive sent the lawyer several messages with no response contacted fifth third banks president and hes investing it today received my paperwork from fifth third bank s lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: IA

Complaint narrative:
CRI/ federal student loans started sending me bills for student loans they say they bought from XXXX. I sent a certified letter asking for accuracy, validity, and enforceability of this account. With the security problems with XXXX being hacked my personal information may be exposed and just wanted this information provided. I sent a letter to them requesting information to and no response from the but still sent me another bill in the mail but no response to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank of America XXXX XXXX XXXX did not approve my dispute claim for {$15000.00} for a transaction of a fraud law office called XXXX XXXX offices on XXXX XXXX. They didnt provide any valid nor logical evidence for the reason for the dispute. The bank sent me some contract that I never signed nor anyone in my family signed. They then sent me XXXX receipts with fabricated signature on it from unknown date. I told the bank that I didnt agree to pay them nor did I provide my card information to this company nor sign anything, I claimed the signatures are fake and fabricated. I told the bank we never received any of the services nor charges listed on the invoice. Reading the invoice they provided doesnt even sound like any type of legal representation nor am I familiar with the people doing the services. I still want to re-open this dispute and re-claim the funds.

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 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
I requested th\e original purchase contract/ agreement for seventh Ave as I have no knowledge why company this even is.. I have never received this information. This account has been charged off for quite a long time and is still showing up. even when requested to be removed numerous times. it was removed once and then put back on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: MA

Complaint narrative:
Subject : Request for Debt Validation I am writing in response to an account you are reporting on my credit report. I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act. Please provide the following : - Proof that I am legally obligated to pay this debt - The name and address of the original creditor - A complete account history, including the original balance and how the current balance was calculated - Documentation showing that you have the legal right to collect on this debt ( including assignment or purchase agreement ) - Verification that this account belongs to me I have recently updated my address, and I request that all future correspondence be sent to my current address. Until you provide proper validation, you must cease all collection activity and reporting of this account. Reporting unverified information to credit bureaus may constitute a violation of the Fair Credit Reporting Act. If you can not provide the requested documentation, you must delete this account from all credit reporting agencies immediately. This is not a refusal to pay, but a notice that your claim is disputed and must be validated. Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Home Depot credit card and was denied for revolving accounts on my credit report. This reason does not make sense because there was no negative information on my credit report that would justify the denial. After receiving the denial, I called and requested a reconsideration and asked to speak with or be transferred to underwriting. I was refused and repeatedly told that the decision was final. No one was willing to provide a meaningful explanation or allow the application to be properly reviewed. I am concerned that this credit decision may have been based on vague, inaccurate, incomplete, or improperly interpreted credit information. I am requesting a full investigation, a detailed explanation of the denial, and a fair reconsideration of my application.

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX of XXXX, Chase decided to close my credit card. i had been a customer with them since XXXX. There had been problems with my credit card due to the number of unwanted charges. i notified Chase of this problem, and then i was told the account was being closed bc of fraud when in fact it was i who'd contacted them in the 1st place. bc of this closure, it has been difficult now for me to make payments to my credit card. up until that point i had never been late with my credit card payments There has been no redress from the company even though i tried numerous times to reach out to them. it was a constant cycle of calling them with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Absolute Resolutions Investments LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX RE : Debt Validation Request Under the FDCPA To Whom It May Concern : I am formally requesting validation of the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide full verification before any further collection activity. Specifically, I request : 1.A signed purchase or assignment, signed by all parties involved, showing a complete chain of title and legal transfer of the alleged debt. 2.Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. 3.A full itemized accounting of the alleged debt, including original creditor, dates, amounts and any added fees. Until this information is provided, you must cease all collection efforts, phone calls, and reporting to any credit bureau. Please note that I have been contacted by other debt collectors about this same alleged account, and therefore require strict proof of ownership and legal authority. This request is made pursuant to 15 USC 1692G and15 USC 1692C. Any attempt to collect without providing proper validation will be documented as a violation. I expect your response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt collector put it on the credit report and have sent numerous text messages to my cell phone. I have bot receive valadation letter from the debt collector just texts messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I discontinued my service with XXXX XXXX on XX/XX/year>. All I owe XXXX is {$36.00}, and now XXXX has sent false information to Credence XXXX Management stating that I owe {$190.00}, was is total fraud. I spoke with someone at XXXX on XX/XX/year> concerning the XXXX person looked information up, and said all I owe is XXXX, not XXXX. This is total fraud!. Looks like XXXX is upset because I dropped their service in XX/XX/year>. XXXX has already dropped this from my credit report because they saw the bill with me balance on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
Gemini credit card fraudulently without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( % ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
In XX/XX/XXXX, I joined Navy Federal Credit Union as a new member and opened a 12-month XXXX XXXX XXXX Certificate, funded on XX/XX/XXXX, under a promotional offer promising a {$200.00} bonus for new members who opened this certificate between XX/XX/XXXX and XX/XX/XXXX. The offer terms, as presented to me at the time of opening ( see attached archived offer page ), stated : " To qualify for the {$200.00} bonus, you must be eligible for membership, join Navy Federal and open a new 12-month XXXX XXXX XXXX certificate between XX/XX/XXXX and XX/XX/XXXX. Limit one ( 1 ) {$200.00} bonus per member. The new member must be the primary account owner of the XXXX XXXX XXXX XXXX certificate to qualify. Business and Trust accounts are not eligible. IRA, ESA, and Navy Federal Business Solutions certificate products are not eligible. {$5.00} minimum balance is required to open and maintain Membership Share Savings Account and to obtain bonus. Bonus will be deposited to the new member 's Membership Share Savings Account by XX/XX/XXXX. The new certificate must remain open throughout the time Navy Federal attempts to deposit the bonus. Accounts must be in good standing for credit to be processed. '' No direct deposit or checking account requirement appears anywhere in the bonus offer terms. I met every condition listed. The XXXX XXXX XXXX XXXX Certificate has remained open and in good standing since XX/XX/XXXX. The bonus was never credited by the XX/XX/XXXX deadline. On XX/XX/XXXX, I contacted Navy Federal requesting the bonus. On XX/XX/XXXX, they denied it, citing a direct deposit and checking account requirement. I responded the same day with the exact promotional disclosure terms, which do not list direct deposit as a condition for the {$200.00} bonus. On XX/XX/XXXX, Navy Federal again denied the bonus, stating I had not established direct deposit. The direct deposit requirement appears in the terms governing the certificate 's dividend rate not in the bonus offer terms presented to me at the time of opening. The full eMessage exchange is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I discovered that Binance.US had restricted access to my account funds without prior notice or explanation. I initiated a live chat with support agent " XXXX '' to determine the cause of the restriction. During the chat, the agent acknowledged the issue but could not provide a reason for the restriction, a timeline for resolution, or a formal appeals process. After repeated requests, I was issued XXXX ID XXXX and told the matter had been escalated to an " internal team '' with no estimated response time. The agent also confirmed that Binance.US does not provide any compensation for losses incurred while funds are inaccessible. I specifically asked for : ( 1 ) the reason for the restriction, ( 2 ) the regulatory or policy basis for withholding my funds, ( 3 ) a formal appeals process or direct compliance contact. All three requests were deflected. My funds remain inaccessible. I am unable to trade, withdraw, or manage my assets, exposing me to ongoing financial losses due to market movements. Binance.US has failed to provide any transparency, timeline, or recourse. I have documented the entire chat interaction with screenshots. I am requesting that Binance.US immediately disclose the reason for the restriction and either restore access to my funds or provide a clear, documented path to resolution.

Company response to consumer: Closed with explanation