vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VA

Complaint narrative:
I am submitting this complaint regarding a collection account that I have disputed and repeatedly requested validation for. On or around XX/XX/XXXX, I sent a written dispute requesting debt validation and asking the company to provide written proof of the alleged debt, including the original creditor, account history, and documentation showing my obligation for the debt. In that same communication, I clearly requested that all future communications be made by U.S. mail only and stated that I did not consent to phone calls, text messages, or emails. After this request, I continued receiving collection communications by text message. I also contacted the company approximately XXXX separate times and sent emails requesting that they stop electronic communications and send validation through the mail. The requested validation and supporting documentation were never provided by mail. Instead, the account was transferred/sold to another third-party debt collector. I then had to repeat the same request to the new collector, again asking them to stop calls and texts and communicate only through U.S. mail. I am requesting that the company provide proper validation of the alleged collection account and review whether collection activity and account transfer occurred without responding to my validation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: TN

Complaint narrative:
On Thursday XX/XX/year> I called regional finance in XXXX Tn ask about a call I had received some days ago about some money I had available to renew my loan they told me I have XXXX plus dollars available I told them I didnt need that only XXXX or XXXX XXXX the lady I spoke with which her name was XXXX told to send her copy of my ID and income thru email she provided a link so I did so I got business she called back left message that she got me approve for XXXX I told her I couldnt come on that day but could come on Monday morning she said would be ok so Monday morning I called her office told lady I be there at XXXX that was fine she said but then at XXXX on my way to her office she calls said she couldnt do the loan I feel I was mislead and gave false information and she lied I want a apology from this company and they cause me trouble and embrassment and this lady XXXX needs discipline about her poor job

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank discrimination. On XX/XX/XXXX, I deposited a check in the of {$5700.00} at the Bank of America XXXX located at XXXX XXXX XXXX, XXXX, to business account ( XXXX ), at the time the teller told me the check was on hold to be cleared on XX/XX/XXXX and my bank app showed that information, then later without informing me the hold was changed to XX/XX/XXXX I was not informed about the changed and was not given the reason for the change, I did not say anything about that, on XX/XX/XXXX I deposited XXXX checks totaling {$14000.00} which should have been cleared the next day, as per the teller 's receipt, once again without informing me the bank placed a hold on the checks for XX/XX/XXXX, then XX/XX/XXXX. On XX/XX/XXXX I went to the same branch attempting to make a withdrawal the teller told me that my account was freeze, I find the bank actions to be harassing and discriminatory. Although I filed a complaint with the bank, to date, the account is still frozen for absolutely no legal reason other than discrimination. The account is showing an available fund of {$5900.00} of which the check for {$5700.00} was cleared on XX/XX/XXXX without any issues from the issuer 's bank, but I can not access the funds. Customer service representative refused to provide me with any details, only stated that it was to verify some information. Unfair, illegal, discriminatory practices and complete disregard for consumers business operations should not be tolerated by any institution. All of my business activities is being halted for no reason other than someone from the bank chose to discriminate.

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 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WLCC
State: MI

Complaint narrative:
Im very upset about the whole situation. XXXX of all I never received my money back off the XXXX XXXX. They keep denying me constantly denying me never receive none of my money back on no situation that I have disputed second of all they just closed my account for some odd reason trying to understand why and then I cant even get the rest of my money back. Can you please let me know whats going on and not only that I will have to call XXXX XXXX XXXX in the BBB company on you guys cause this is ridiculous how yall just keep passing constantly messing around with peoples money like this yall give fees out and we have to pay that trying to understand why then not only that I constantly constantly complaining about my disputes. XXXX constantly denies me. I need my money back. Its a whole type of situation different transactions that I have complaint about it still didnt get that done or settled. This is really ridiculous then XXXX XXXX na close my account for some reason or let somebody play on my account and act like it was a frog. My girlfriend have been doing things like that lately so can you please reopen my account and not only that I have another account that I tried to return to in yall not letting me return to that that XXXX either my daughter have XXXX that she have money on and can not even get in. This is really ridiculous about this XXXX XXXX. Im gon na have to sue you guys too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: VA

Complaint narrative:
Back in XXXX, I booked a hotel room with XXXX for {$340.00} and I also paid an additional {$15.00} for XXXX XXXX insurance that covered a stay protection plan ( Policy effective date of XX/XX/year> - XXXX -- policy number XXXX ) that covered my stay 100 % for unforeseen issues ( ie inclement weather ). That weekend the governor declared the state of Virginia under a state of emergency due to the horrendous weather. Therefore, my work event was cancelled. I then reached out to XXXX XXXX and they told me what to submit for reimbursement -- however, over the following weeks AND MONTHS no matter what I supplied to XXXX XXXX insurance plan -- they did not compensate me for my loss. So I went to my Citi Bank Credit card -- -where I have been a loyal customer for over 18 years. I put in a dispute on XX/XX/XXXX and explained my situation. On XX/XX/XXXX Citibank contacted the XXXX. The merchant responded on XX/XX/XXXX and mainly sent them the XXXX booking that stated it was not refundable. BUT that is why I secured XXXX XXXX insurance to cover this cost of {$340.00} incase an unforeseen event happened. Hence the whole purpose of insurance!!! CitiBank then stated I ( the customer ) was responsible. So I reached out to Citibank again and supplied them the XXXX XXXX insurance plan and various other documents to show them the insurance I purchased and how I was covered. Then the dispute was reopened. And things went around and around again. I recently spoke to a customer rep of CitiBank and he mainly stated that XXXX XXXX might not even be a legit company. Bottom line -- CitiBank should remove this charge of {$340.00} whether XXXX XXXX is or is not a legitimate company. Also what is the purpose of the Consumer Protection Bureau if not to enforce unethical practices like this? Citibank should cover fraud like this an unscrupulous business practices from companies like XXXX XXXX. AND the CFPB should Stop XXXX XXXX business if they are not going to honor their contracts. This has been XXXX of the worse fraudulent activities Ive experienced and by googling XXXX XXXX it appears they have had numerous complaints. What does it take to make things right?? XXXX should also be held accountable if they are endorsing this insurance too!!

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 2026-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a formal federal complaint against Capital One , N.A . ( as successor in interest to XXXX XXXX ) for predatory debt collection and credit reporting violations. I am a documented victim of identity exploitation and business debt conversion by third parties XXXX and XXXX XXXX, who are subject to an active {$140000.00} court judgment in XXXX XXXX ( XXXX XXXX ). The underlying charges on this account were commercial overhead items run by the debtors without my authorization. A XXXX XXXX XXXX recently issued an official Dismissal for Want of Prosecution ( DWOP ) regarding their collection lawsuit ( Case XXXX ). I demand that Capital One permanently close this account file, cease all collection actions, and completely erase this negative payment history from my credit reports. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
The Huntington National Bank has committed a severe violation of Regulation E and engaged in predatory account execution. My consumer checking account was targeted by a verified corporate internet employment scam masquerading as XXXX XXXX XXXX XXXX on Indeed. Instead of conducting a lawful investigation under federal guidelines, Huntington Bank permanently closed my account, labeled me with a negative 'Account Abuse ' flag in the banking registry, and illegally seized my legitimate personal savings balance to satisfy the scammer 's reverse overdraft debt. I am a documented victim of a crime with an active police report on file. I demand that Huntington Bank immediately return my seized personal funds, wipe out the fraudulent overdraft balance, and expunge the blacklist marker. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am submitting this complaint regarding current disputed XXXX XXXX transactions connected to my Chime Bank account that I reported as unauthorized. After discovering the transactions, I immediately reported them to Chime Bank and disputed the charges. I have continued cooperating with the dispute process and provided supporting information and documentation. Despite this, I have received inconsistent information regarding the investigation and timing of any resolution. Most recently, during a conversation with a Chime supervisor in XX/XX/year>, I was informed that the disputed funds would reportedly be returned or released by XX/XX/year>. However, these disputed transactions have already caused substantial financial hardship. As a result of delayed access to my funds : my gas utility service was disconnected for over XXXX month, my electric utility service was disconnected for approximately XXXX week, and my mortgage hardship agreement is now in jeopardy, placing my home at risk. I am XXXX and have repeatedly attempted to resolve these matters through the proper channels. I am requesting review of the handling of these disputes, the investigation timeline, and the communication provided regarding the status and expected release of funds. I am willing to provide additional supporting documentation, screenshots, statements, and dispute records upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i had a bank go XXXX account in 2021 and they closed it due to fraud and someone trying to transfer money into their account. since then i have not been able to open any banking account with any other business

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 2026-05-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a formal federal complaint against JPMorgan Chase Bank , N.A . for a direct violation of the Fair Credit Reporting Act and predatory commercial debt collection. I am a documented victim of an extensive corporate fraud scheme perpetrated by third parties XXXX and XXXX XXXX under active enforcement in the XXXX XXXX XXXX XXXX XXXX under Case Number XXXX. The outstanding balances on this card are entirely composed of unauthorized commercial expenses and corporate utility bills run by the debtors without my indemnification. Chase 's collection firm, XXXX XXXX XXXX, XXXX, has initiated a state lawsuit against me in XXXX XXXX ( Case XXXX ) despite having full notification of this corporate conversion and my active law enforcement fraud reports. I demand that Chase immediately place a mandatory litigation hold on the XXXX XXXX action, cease all negative credit bureau reporting, and completely expunge these fraudulent commercial charges from my consumer identity. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP

Complaint narrative:
I purchase my vehicle in XXXX in 2020 and registered my vehicle under XXXX. My vehicle was cosigned with my husband. I never changed my last name anywhere after getting married. Shortly after I joined the military and got assigned to XXXX. My car stayed registered in XXXX. During my assignment in XXXX, my registration came back with the incorrect last name ( my husbands name ). I didnt notice at first as I usually put it in my car right away. I got order to move overseas. I tried to ship my vehicle to XXXX but was denied. I attempted to put my vehicle in government storage before moving to XXXX. I was denied access due to my name on registration not matching my military orders. I also couldnt sell my vehicle. I had to find a private company to watch my car. I couldnt delay moving to take care of the issue so I tried fixing it while in XXXX with runarounds. My husband and I called both XXXX DMV and XXXX XXXX but no one could help update my information. DMV said they assumed since my last name wasnt changed to my husbands last name that they should update it so that I had my husbands last name. They demanded XXXX XXXX to change my information on documents which they did and then DMV also changed it. I had to keep paying on my car but I have no control over it. I can not legally drive it or sell it. Im paying for storage in the states as that is my only option. I am at a loss of what to do and this is a huge financial and logical burden. Now that Im stateside for a few days I was hoping to go in the XXXX store to get this corrected but to help with finance. They told me I had to call. I called XXXX XXXX XXXX and they informed me that since my title was paid off they sent my title to my old address in XXXX with the incorrect name. I asked that they update my name and send it to my current address. They denied my request. They offered to give me a lease letter instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
CFPB Update Request for Manual Restoration Without Login I am submitting this update to clarify that I can not safely log in to my PayPal account due to ongoing security issues, repeated unauthorized access, and compromised credentials over the past nine months. Logging in would be unsafe and could further compromise the account or interfere with the fraud investigation. Throughout this period, I have experienced : Unauthorized logins and attempted logins Compromised passwords and unsafe authentication events Unauthorized provisioning attempts Unauthorized activity on the PayPal CreditXXXX account Repeated account limitations triggered by fraud Conflicting or incomplete responses from PayPal anXXXX XXXXXXXX Because the account has been compromised, I have repeatedly requested that PayPal and XXXX restore and secure the account without requiring me to log in, consistent with FTC identitytheft guidance. Despite these requests, PayPal continues to direct me to log in and complete tasks in the Resolution Center, which is not possible or safe given the compromised state of the account. Over the past nine months, my PayPal account has experienced repeated unauthorized access, unsafe login attempts, and compromised credentials. Because the account is not secure, I can not safely log in to complete tasks in the Resolution Center. Logging in would risk further unauthorized access and interfere with the investigation. During this period, I received multiple limitation notices from PayPal stating that my account could not send, receive, or withdraw funds due to suspected unauthorized activity. I also received alerts about unauthorized activity on a card linked to the account. These issues occurred alongside unauthorized provisioning attempts and repeated login attempts that I did not initiate. I contacted PayPal many times and requested that they manually restore and secure the account without requiring me to log in, consistent with FTC identitytheft guidance. I also requested investigation results, device and login logs, digital wallet provisioning logs, and details about the unauthorized access. PayPal did not provide this information and continued to direct me to log in, even though the account is compromised and unsafe to access. XXXXXXXX XXXX, which issues PayPal Credit, provided incomplete or conflicting information about the unauthorized activity connected to the compromised PayPal account. The underlying security issues remain unresolved, and the account is still limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX, I attempted to purchase ice cream from a food truck located in XXXX DC using my Navy Federal debit card. The merchant attempted to process my Navy Federal card approximately XXXX times. Each attempt appeared to fail or decline on the merchants terminal. Because the merchant stated the transactions were not successful, I then used my XXXX XXXX XXXXXXXX card to complete the purchase. After reviewing my accounts, I discovered that my Navy Federal account was still charged despite the merchant indicating the transactions were unsuccessful. My XXXX XXXX XXXXXXXX card was also charged for the same purchase. I disputed the Navy Federal charge because I only intended to complete one purchase and was informed the Navy Federal transactions were declined. I provided supporting documentation, including evidence from my XXXX XXXX XXXXXXXX account showing that a separate payment was processed for the same transaction. Despite this, Navy Federal denied my dispute and stated the transaction was valid based on XXXX investigation. I am requesting the documentation and evidence relied upon in reaching this conclusion, including the merchant response, authorization records, and proof supporting why the duplicate charge was considered valid. I am disputing this charge because I was charged multiple times in connection with a single food purchase transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation