vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Fair collections & Out XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX To Whom It May Concern, I am writing in response to your attempt to collect an alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. I dispute the validity of this debt in its entirety and request that you provide proper documentation to verify the following : - The amount of the alleged debt, including an itemization of any interest, fees, or charges- The name and address of the original creditor - Copies of any agreement or contract bearing my signature showing that I agreed to this debt - Proof that you are legally authorized to collect on this debt - Documentation showing that this debt is within the applicable statute of limitations Until you provide the requested validation, you must cease all collection activities and communication with me regarding this matter, as required under 15 U.S.C. 1692g ( b ). Additionally, if this account is being reported to any credit reporting agencies, including XXXX XXXX XXXX XXXX, I request that it be marked as disputed in accordance with the Fair Credit Reporting Act. If you can not provide the requested validation, you must immediately cease collection efforts and remove any reference to this account from my credit reports. I request that all future communication regarding this matter be conducted in writing only. Sincerely, XXXX 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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I went to check my account balance a few days ago. I logged into the app. It automatically said my account was closed. I did nothing wrong. None of my accounts were overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
XX/XX/XXXX I recieved a bill/statement from Fairway Capital Recovery stating I owed {$1600.00} since XX/XX/XXXX for XXXX XXXX. This was also put on my credit reports XX/XX/XXXX called Fairway XX/XX/XXXX I was told to have ins. to call them. i then called my ins. ( XXXX, XXXX XXXX XXXX ) they stated they never had that bill and had it been submitted it would have been paid because I was totally covered those dates. I then contacted the medical billing on the bill and was informed they did not have that bill nor did they use Fairway. I then contacted XXXX reported this and was given a confirmation. # XXXX, I also contacted XXXX to report and they stated they would do a investigation. in the mean time fairways phone no had been disconnected so I had to get a no. XXXX gave me and I contacted Fairway again. I spoke with XXXX, he was rude and short with me and would not allow me to speak with XXXX at which time he hung up on me. Report from transunion states " verified as accurate and updated '' there is no way it could have been verified because no one has this bill or ever had it, also because I was covered with my ins. totally so it would have been paid. this is still on my credit reports as of this day and is the only negative thing on them. I have not been receiving any more bills but they will not remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Dave Operating, LLC
State: WA

Complaint narrative:
Good evening, This is a follow up to Consumer Financial Protection Bureau ID # XXXX which has been closed. The original problem was that I was unable to access my account and it was locked. Now, Dave has closed my account and has mailed out the remaining balance to an old address. There is no way to update my address to my new address. I am stuck in a loop because I am not able to speak with a human being who is the United States and speaks XXXX fluently. I don't know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: TX

Complaint narrative:
I am disputing a fraudulent collection account reported by Sunrise Credit Services ( XXXX ) related to XXXX XXXX for {$400.00}. I have never conducted business with this company, never authorized any account, and never provided permission for my personal information to be accessed, used, or furnished. This account is not mine. Despite this, Sunrise Credit Services has reported and verified this account without providing any evidence of a valid contract, signature, or permissible purpose. The reporting also contains material inconsistencies, including conflicting balances ( {$190.00} vs. {$400.00} ), which further demonstrates a lack of reasonable investigation and accuracy. Their actions constitute clear violations of : * FCRA ( 15 U.S.C. 1681 ) failure to ensure maximum possible accuracy and reporting unverifiable information * FDCPA ( 15 U.S.C. 1692 ) attempting to collect a debt not owed and failure to properly validate * GLBA ( 15 U.S.C. 6801-6809 ) unauthorized access, use, and disclosure of my nonpublic personal information * Privacy Act of 1974 unlawful maintenance and dissemination of personal data without proper authority There is no permissible purpose for this inquiry or reporting, and no valid authorization exists. I demand : * Immediate deletion of this account from all credit reporting agencies * Written proof of authorization bearing my signature ( which does not exist ) * Full disclosure of how my personal information was obtained and shared * Immediate cease and desist of all reporting and collection activity Failure to correct this matter promptly will result in escalation for willful noncompliance and damages.

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 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I made a deposit at the bank of America they were given proof the checked cleared and they are holding back the funds. They should have told me at the branch it wouldn't clear for a week. The bank XXXX was rude and unhelpful at the bank of America XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Her name is XXXX i iam losing 5 % interest while they hold the money and i have driven to that branch twice in vain. They should release the money into my saving account immediately and compensate me for time gas and money the running around they put me through

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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My Cash App was hacked by someone all my money was sent to a account by XXXX XXXX on XX/XX/XXXX XXXX to XXXX XXXX it showed where Cash App fail to secure my account I had a pin in face recognition set up and the hacker still bypass that and hacked my account Cash App didnt even notify me that another account had logged into my account they stole XXXX then came back in stole XXXX dollars from me on XXXX the XXXX i filled a dispute denied I filled a appeal denied so now Im just left XXXX dollars short because Cash App failed to do they part and refusing to refund me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to U.S. Bank to open a checking account for my Social Security deposit. At the time, I had no employment and my only source of income was/is Social Security . The banker stated that there would be no fees because of my active mortgage, which had been open with them since XX/XX/XXXX. The banker never stated that there would be fees and never stated that my minimum balance had to be XXXX. On XX/XX/XXXX, I notice my Social Security deposit does not come in the full amount and then my son checks the statements online, and he tells me I've had a recurring fee of {$24.00} XX/XX/XXXX. On XX/XX/XXXX I call US bank to explain to me why I have this recurring fee and the banker tells me I had to have a XXXX minimum which makes no sense to me since I had no employment at the time of opening the account. On XX/XX/XXXX, I spoke to the US Bank branch manager in XXXX and she could not help us because I speak XXXX and someone from another branch would reach out to us to discuss the matter. On XX/XX/XXXX, I spoke to US banker by the name of XXXX XXXX from XXXX XXXX and he explained that they would refund fees for three months and change my account where I wouldn't need to have a minimum balance to avoid fees since that was my issue to begin with. I was not content with only three months getting refunded after the lack of communication from the banker whom opened my account in XXXX. It did not seem fair and I trusted the bank to give me an account specifically for seniors getting Social Security. We concluded the call with the banker speaking to someone higher up to see if I could get refunded more months and he also stated he would change my checking account to one specifically for my social security deposits with no fees. He did get back to me and stated that there was nothing else they could do and only could give me back three months. On XX/XX/XXXX, I received a letter in the mail, stating that I was put on a checking account where I have to have a minimum balance of XXXX dollars to waive fees. I do not have XXXX dollars and neither of this was discussed by the banker. I feel misled by the information given to me over the phone and disappointed with the lack of communication and trust by US bank.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> I summited a claim with Chase bank of XXXX. It was an ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX ATM. I did not receive the money and ATM screen just showed an error number XXXX. On XX/XX/XXXX I received a letter saying that the transaction was authorized that the money was released properly. I called the chase claim center XX/XX/XXXX and they told me they couldn't not provide me with more information of how they decided on the outcome and they couldn't talk to the investigator all they could tell me was what on the letter and in order to appeal I needed proof but the XXXX ATM never printed a slip it just had the code error on the screen. They also told me to put a claim at XXXX XXXX and I did on XX/XX/year>. I wrote a letter explaining what happened and they were suppose to email me a complaint number but till now I have not received it.I also told Chase bank and XXXX XXXX if they could see the camera at the so they could see that I didn't receive the money. But I had to wait for an investigation. Chase said that they lost the claim and they could not do anything I could not appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/year>, an unauthorized transaction in the amount of {$2900.00} was processed through my PayPal account and charged to my bank account with XXXX XXXX. The payment was issued to a company identified as XXXX XXXX XXXX, for an item I did not purchase and have no knowledge of. I did not authorize this transaction, did not receive any goods or services, and did not provide my login or payment information to this merchant. Upon discovering the charge, I immediately contacted PayPal to report the unauthorized transaction and initiate a dispute. I was then instructed to contact my bank, XXXX XXXX, to file a claim. Despite promptly reporting the issue, the matter has remained unresolved since XX/XX/year>. I have now been informed that the dispute was decided in favor of the seller, and I am being held responsible for the {$2900.00} charge. I was not provided with sufficient evidence demonstrating that this transaction was authorized by me. This situation has caused significant financial hardship for my household, as I am responsible for supporting my family, including my mother and my son, who are directly affected by this loss. I am formally disputing this determination and requesting an immediate refund of the full amount of {$2900.00}. I also request that both PayPal and XXXX XXXX provide documentation demonstrating how this transaction was verified as authorized, including any authentication records, IP logs, device information, or other supporting evidence used in their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a formal complaint regarding incorrect information reported by XXXX on my credit report. My date of birth is XX/XX/1988, and the last four digits of my Social Security Number are XXXX. I have identified two accounts with XXXX that are inaccurately reported as derogatory on my XXXX credit report. Both accounts are listed with a balance of {$0.00}, yet they continue to be reported as derogatory, adversely affecting my credit score. Despite having a {$0.00} balance, the derogatory status of these accounts on my credit report is incorrect and misleading. Under the Fair Credit Reporting Act ( FCRA ), I have the right to expect accurate reporting of my credit history. Inaccurate reporting can severely impact my ability to obtain credit, housing, or employment, given that my current credit scores are XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. I have not been provided with any valid documentation or justification for these accounts to remain in a derogatory status. This incorrect reporting not only causes financial harm but also emotional distress due to the potential denial of credit opportunities. I have attempted to resolve this issue directly with XXXX but have not received a satisfactory response that addresses the inaccuracies of the reporting. Therefore, I am seeking the Consumer Financial Protection Bureau 's assistance to ensure that these accounts are promptly and accurately updated across all major credit bureaus. It is imperative for my financial health that these accounts are corrected to reflect their true status, which is paid with a {$0.00} balance, and the derogatory status is removed entirely.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Company : JPMorgan Chase ( Chase Sapphire Reserve ) Product : Credit card Issue : Rewards/ promotional benefits misleading or reduced value Complaint : I opened and paid the annual fee for the Chase Sapphire Reserve card in part due to its advertised XXXX benefits, including monthly non-restaurant credits that could be used for pickup orders. Recently, XXXX implemented a {$20.00} minimum purchase requirement for certain pickup orders ( notably convenience stores ), which materially reduces the usability and value of the $ 10 monthly credits associated with this card. Previously, these credits could be used more flexibly at lower order amounts. While the nominal credit amount has not changed, the practical ability to use the benefit as advertised at the time of account opening has been significantly diminished. This feels like a devaluation of a key advertised perk after I already committed to and paid for the card. I understand that third-party benefits can change, but this materially impacts the value proposition that influenced my decision to obtain and keep this card. Requested resolution : I am requesting one or more of the following : * A waiver of the annual fee * Clear disclosure and remediation when partner changes materially impact benefit usability I would like Chase to address how they plan to make cardholders whole when partner-driven changes reduce the real value of advertised benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I have 2 bills from the Same company XXXX and the bills are different prices?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
Resurgent Capital Services and XXXX XXXX XXXX are both charging me for one account. Resurgent is owned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I Have An Account With Bank of America They Where Making Payments That I Didn't Authorized For About 18 Months The Amount Was Give Or Take {$100.00} A Month

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I didnt call cause I didnt know how to go about this matter but I do know this information was not correct and my information was this data breach and the company who sell this debt off did not send the proper paperwork confirming this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I am writing to notify you that I am a victim of identity theft and to dispute fraudulent accounts appearing on my credit report. my information also was stolen and leaked in a data breach with my social security number and diver license. I did not authorize or open the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bull city Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts These accounts are not mine and were opened without my knowledge or consent. under code 15 USC 1681c-2

Company response to consumer: Closed with explanation