vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried to change my status as the authorizing XXXX of a company that I sold in XXXX and was subsequently sold to another company. I did not realize my personal credit was associated with the Business Credit card until the current owners did not pay the credit card timely. The new owners have agreed to take over as the authorizing XXXX, but Chase has put in place a process that has no visibiliity and after trying to complete the process for over a year ( starting at the end of XXXX ) I have still been unable to do so. 

Myself and the new owner have processed and submitted the paperwork 4 times and except for the initial attempt where we we told we left a simple piece of information off the form, we have never been told any details in regards to the status of our cases. 

Chase does not have a phone number or email address to obtain information about the process. They have also said they mailed me additional forms, but never did, which I believe were blantent lies. 

At XXXX point in the process, the new owner went into a Chase branch in XXXX XXXX and had a XXXX review our paperwork and confirm that it was complete and accurate and he faxed it to the Chase department himself and confirmed receipt. After we did not hear anything back from Chase, I called the XXXX and he told me he had now way of getting in touch with the department. 

I also, had formal complaints allegedly filed by customer service representatives and the Chase XXXX where I was supposed to be contacted via phone but a Chase representative never called me. We I called to inquire about the status of the complaints, the representatives told me they could not help. 

I have also attached a secure message chain starting in XXXX with Chase that provides evidence for much of what I wrote above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
- On XX/XX/year>, I purchased a XXXX XXXX XXXX through XXXX using XXXX XXXX XXXX payment option through Paypal. 




Order from XXXX XXXX XXXX, XXXX. 
Date XX/XX/year> at XXXXXXXX XXXX PST Transaction ID - XXXX Transaction status Pending Gross amount {$1000.00} USD - On XX/XX/year>, I cancelled the order through XXXX and did not receive the laptop. 




Online OrderNumber - XXXX XX/XX/year> {$0.00} See details XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Review for a chance to win a {$400.00} gift card. Write a Review Store XXXXXXXX XXXX  Canceled Canceled on XX/XX/scrub>XXXX XXXX 

- On XX/XX/XXXX, I contacted Paypal and requested a refund of the first installment of the loan. Paypal denied my request and told me contact XXXX to determine when XXXX would refund the purchase. 

- On XX/XX/XXXX, I contacted XXXX XXXX and was told the order was immediately refunded upon cancellation, and I was given a transaction ID from XXXX for the refund - Transaction ID = XXXX - On XX/XX/XXXX I contacted Paypal with this information and they denied receiving a refund and referred me back to XXXX. 

- On XX/XX/XXXX, XXXX, and XX/XX/XXXX, I contacted Paypal asking for a status update on my refund. They continued to maintain that I would only be refunded once XXXX had provided them with the refund. Each time XXXX contact XXXX, I am given the same information that the refund was provided to Paypal on XX/XX/year>XXXX 

- Paypal has continued to take money from my account for this cancelled order : XX/XX/year> Authorization to XXXX XXXX XXXX XXXX XXXX. Details - {$1000.00} USD {$0.00} USD - {$1000.00} USD XX/XX/year> Payment to PayPal XXXX XXXX XXXX - {$260.00} USD {$0.00} USD - {$260.00} USD XX/XX/year> Payment to PayPal XXXX XXXX XXXX - {$260.00} USD {$0.00} USD - {$260.00} USD XX/XX/year> Payment to PayPal XXXX XXXX XXXX - {$260.00} USD {$0.00} USD - {$260.00} USD It has been over 1 month since the order cancellation and Paypal is scheduled to take the remaining payment of {$62.00} dollars this week. 

Despite repeated attempts to have Paypal refund my account for the cancelled order, they continue to tell me to contact XXXX. 

I have done everything within my power to provide the information given to me by XXXX to resolve this issue, but Paypal refuses to reimbursement the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against PNC Bank regarding the improper handling of my account closure and the failure to return a {$6400.00} cash ATM deposit. 

On or about [ insert date ], a cash ATM deposit of {$6400.00} was made into my PNC Bank account by a family member on my behalf. This deposit consisted entirely of legitimate funds belonging to me. PNC Bank accepted the deposit. 

Shortly thereafter, PNC Bank closed my account. At the time of closure, I was informed by PNC Bank representatives that any remaining funds, including the {$6400.00} cash deposit, would be returned to me via cashiers check. 

Despite these assurances, I have never received the cashiers check. PNC Bank has not provided : Proof that a cashiers check was issued A mailing date or tracking number Any documentation accounting for the disposition of my funds I have made reasonable efforts to resolve this matter directly with PNC Bank, but the bank has failed to return my money or provide a clear explanation of where the funds are being held. 

As of today, PNC Bank is in possession of {$6400.00} of my money without justification, documentation, or remittance. This has caused significant financial harm and hardship. I believe this constitutes an unfair banking practice and improper retention of customer funds following account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc.
State: TN

Complaint narrative:
I am disputing an alleged debt being collected by Collection Receivables , Inc. ( CRI ) on behalf of XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I timely disputed this debt in writing. CRI responded on XX/XX/year>, but failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Specifically : 1. CRI is attempting to collect a {$2500.00} collection fee that is not authorized by the underlying contract and is disputed.

2. CRI failed to provide proof of default, acceleration, or evidence that required cancellation or renewal notices were properly issued.

3. The underlying contract states that personal training sessions expire within three ( 3 ) months, which renders the claimed balance legally unenforceable.

4. Despite receiving my written dispute, CRI continued collection activity, including phone calls and text messages, in violation of the FDCPA. 

I have sent a second written dispute demanding proper validation and cessation of collection activity. CRI has not provided lawful validation.

I am requesting that the CFPB investigate this matter, require CRI to cease collection activity, correct or delete any credit reporting, and take appropriate enforcement action for FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
DIVERSIFIED ADJUSTMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research DIVERSIFIED ADJUSTMENT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding Wells Fargo Bank for withdrawing an incorrect amount of {$400.00} from my checking account on XX/XX/year>, for a XXXX XXXX XXXXXXXX ( XXXX ) bill payment. All previous payments have been around $ XXXX {$200.00}. 

I promptly disputed the transaction after identifying the error. Despite being notified, Wells Fargo failed to correct the issue and allowed the incorrect withdrawal to continue or remain unresolved. I did not authorize this amount. 

As a result, I experienced financial harm and disruption to my ability to manage essential expenses. Wells Fargo failed to adequately investigate or resolve the billing error after a formal dispute was filed. 

I am requesting CFPB assistance to require Wells Fargo to refund the full disputed amount of {$400.00}, correct the billing error, and prevent further incorrect withdrawals. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Wells Fargo Checking Account ( last XXXX digits ) : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I opened a Capital One QuickSilver credit card in XXXX of XXXX which had a promotional purchase offer of 0 % interest for 15 months on new purchases. I paid off the charge in 12 months ( I had a {$0.00} credit card balance as of XX/XX/XXXX ) and did not get charged any interest. Capital One then had a promotional offer in XX/XX/XXXX to transfer balances that would receive 0 % interest for 15 months with a balance transfer fee of 3.5 % of the balance transferred. I accepted this offer and made a transfer in XXXX ( I paid the transfer fee ) and was not charged any interest in XXXX, but in XXXX, I was charged 28.74 % interest on the balance. When I called Capital One to complain, they said the promotional balance transfer offer was for 0 % interest for 15 months from when the account was opened and since my account had already been opened for 14 months, I only received 1 month with 0 % interest before reverting to the regular interest rate of 28.74 %. This is very deceptive to show a promotional offer when there is only 1 month left on the promotional rate and say there is an offer that is for 15 months but hide in the fine print that the offer is from when the account was opened versus an offer that is valid for 15 months from when the transfer is made. Had I known the duration of the promotional rate, I would not have made the transfer and left the loan at the 5.75 % I had been paying. After I called Capital One to complain, they said there was nothing they could do since I had accepted the offer and would note my issue as feedback for future promotional offers. I then paid off the loan in full and closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: FL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX  XXXX XXXX XXXX [ XXXX, FL, XXXX ] [ XXXX ] [ Phone Number optional ] Date : [ XX/XX/year> ] Via Certified Mail / Return Receipt Requested [ NTL recovery agency ] [ XXXX XXXX XXXX ] [ XXXX, PA XXXX ] Re : Cease and Desist Alleged Account # [ Account Number, if known ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am a small business owner. I own and operate a tuition preschool program and have 2 employess. In XXXX someone used my email credentials and impersonated me to my accountant. Without questioning me, she added 3 contractors to my XXXX accounts and paid them " substitute fees '' spanning over {$39000.00} in four days. I was never contacted and knew nothing until my business debit card didnt work because I had a negative balance. That is when I saw the payroll amounts and k new something was drastically wrong. I immediately contacted my accountant, my bank, my IT director and local police. For 3 months I have fought trying to get my money back. My accountant, my bank, or XXXX has taken any responsibility in authorizing such bogus payroll amounts. I dont know what to do. The last 3 mo tha has been brutal XXXX for me and my family. I have exhausted my time and energy into fighting for my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Reference # : XXXX Jefferson Capital Systems LLC is attempting to collect an alleged debt in the amount of {$360.00} without proof of ownership and without producing the legal chain of title. I dispute this debt in its entirety and demand full validation under the Fair Debt Collection Practices Act, 15 U.S.C.1692g.

You claim to have purchased this account from the original creditor. All debts originated by major creditors are routinely pooled and sold as receivables. When a debt is sold, the purchaser must be able to prove lawful ownership and authority to collect.

This raises the following issues, which you are required to address with competent evidence : 1. Identification of the current owner of this alleged debt.

2. Documentation of all assignments or transfers showing how this specific account was conveyed from the original creditor to Jefferson Capital Systems LLC.

3. Documentation sufficient to establish the legal chain of title for this account.

4. A copy of the original agreement or service contract creating the alleged obligation.

5. Verification of the debt amount you are seeking to collect, including a complete method of calculation showing how the balance of {$360.00} was derived. 
6. The account opening date.

7. The date of the last payment made on the account.

8. The date of default.

You are required to produce : 1. The bill of sale or assignment demonstrating transfer of this specific account to Jefferson Capital Systems LLC.

2. Account-level documentation identifying this account as included in any sale or transfer.

3. Proof that Jefferson Capital Systems LLC has legal standing and authority to collect this alleged debt.

4. A complete accounting of the amount claimed, including principal, fees, and any other charges, with an explanation of how each amount was calculated. 
Generic portfolio documents, affidavits, screenshots, or redacted spreadsheets that do not identify this specific account do not constitute validation. 
If you can not produce the above documentation, you must : Cease all collection activity immediately. 
Remove any reference to this account from all consumer reporting agencies. 
Refrain from selling, transferring, or assigning this account to any other entity. 
Until full and complete validation is provided, you must cease all collection activity, including reporting or furnishing information to any consumer reporting agency. If this account has already been reported, it must be marked as disputed by consumer pursuant to 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Any continued collection activity without proper validation constitutes violations of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C.1692g ( b ), 1692e, and 1692f. Such violations subject your company to civil liability under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by CDR GENESIS for {$10000.00}, allegedly associated with XXXX XXXX. I have never received any prior notice, billing statements, or written communication regarding this alleged debt before it appeared on my credit report. I was not provided an opportunity to dispute or validate this account before it was reported. 
Despite disputing this account, the credit reporting agencies have continued to report the collection without providing documentation substantiating its accuracy or evidence that proper notice was ever sent. 

Reporting a collection account without first providing proper notice and validation violates consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and verifiability of reported information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide written notice of the debt and the consumers rights before engaging in collection activity, including credit reporting. 
Because I never received notice and no documentation has been produced, the accuracy of this account can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Chime Financial Inc
State: KY

Complaint narrative:
Chime inaccurately reported my secured Credit Builder account as delinquent, closed the account, and continues furnishing false late payments across all credit bureaus despite prior disputes and acknowledgment of error. Despite this, Chime continued reporting the account as 30 days late, reported new delinquency months including XXXX XXXX, and ultimately closed my account for alleged delinquency. There was no unpaid debt. The account was secured, funded, and any delay was caused solely by Chimes payment application process. 

Chime is now furnishing inaccurate and ongoing delinquency data to XXXX XXXX XXXX XXXX causing severe credit score damage. This violates the Fair Credit Reporting Act, including continued reporting after notice of dispute and furnishing information known to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency National Credit Adjust # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation