vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am submitting this complaint regarding my bank 's failure to properly investigate and resolve unauthorized transactions on my debit card account under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Beginning in early XX/XX/year>, my account was subjected to numerous unauthorized micro-chargestypically ranging from XXXX to XXXX cents eachprimarily from XXXX XXXX, with additional transactions from other unrelated sources. These charges follow a clear pattern consistent with card-testing fraud, where scammers probe accounts with small amounts to verify validity before larger thefts. I did not authorize any of these transactions, promptly reported the issue to my bank, initiating the first dispute on XX/XX/year>. Despite providing evidenceincluding account statements highlighting the charges, my XXXX XXXX order history showing no matching activity, and screenshots of the denialsthe bank rejected the disputes without adequate investigation. They asserted the transactions were authorized by me, refused to reopen the matter, and declined to provide any substantiation. This mishandling violates my rights under EFTA/Reg E, which require financial institutions to investigate reported unauthorized electronic fund transfers, provisionally credit accounts during review, and refund proven fraud. I have attached supporting documentation : statements, charge details, denial correspondence, and relevant history logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
b'Subject: Complaint Regarding Unreasonable Hold on Cashiers Check Deposit JPMorgan Chase Bank\n\nTo Whom It May Concern,\n\nI am submitting this complaint regarding my recent experience with JPMorgan Chase Bank and what I believe to be an unreasonable and unjustified hold placed on a cashiers check deposit.\n\nOn XXXX XXXX, I deposited a cashiers check issued by the Federal Reserve Bank into my Chase savings account. Despite the fact that cashiers checks are generally considered guaranteed funds, Chase placed a 10-day hold on this deposit.\n\nSince the deposit, I have contacted Chase multiple times to request clarification and resolution. Unfortunately, I have received inconsistent and conflicting explanations from different representatives regarding the reason for the hold. This lack of transparency and consistency has caused confusion and concern.\n\nGiven that this check was issued by a highly credible financial institution, I believe this matter could be easily verified through direct communication with the issuing bank. However, Chase has not taken reasonable steps to expedite verification or release the funds.\n\nThis extended hold is causing unnecessary inconvenience and financial disruption. Based on the nature of the check and its issuer, I believe the delay is excessive and not in line with reasonable banking practices.\n\nI respectfully request the following:\n\t1.\tImmediate review and release of the held funds, if verification confirms the validity of the check.\n\t2.\tA clear, written explanation of the reason for the hold, including the specific policy or regulation being applied.\n\t3.\tA review of Chases internal procedures to ensure customers receive accurate and consistent information.\n\nI appreciate your prompt attention to this matter and look forward to a timely resolution.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: TX

Complaint narrative:
this company has failed to provide the following : 1. The name and address of the original creditor 2. The total amount of the alleged debt, including an itemization of principal, interest, fees, and charges 3. Copies of any contract, agreement, or instrument bearing my signature that allegedly creates an obligation to pay 4. Proof that your firm has legal authority to collect this debt, including the complete chain of custody

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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding my auto loan with Capital One and the handling of my account as it approaches repossession. I am currently approximately XXXX days past due and have made a good-faith effort to resolve this matter prior to repossession. Specifically, I offered a lump-sum payment of {$15000.00} to settle the account and prevent further loss escalation. I contacted Capital Ones collections department directly to pursue this resolution. During that conversation, I was placed on hold while the representative consulted internally. I was then told that Capital One does not offer settlements on this type of account. When I asked for written documentation of this policy, I was told none could be provided. This is concerning for XXXX reasons : A blanket statement that no settlement options exist does not appear to reflect the financial reality of the situation I was unable to obtain any written confirmation of the policy being cited From a financial standpoint : The vehicle has a branded title and significantly impaired market value ( ~ {$7000.00} {$9000.00} at best, likely less at auction ) Repossession will introduce additional costs ( recovery, transport, auction fees ) The result will be a large deficiency balance with reduced likelihood of recovery That deficiency is typically placed or sold to third-party collections at a substantial discount In contrast, my offer represents immediate, certain recovery at a materially higher level than the expected net proceeds of repossession and post-default collections. I am attempting to resolve this proactively and minimize losses for both parties. However, I am being prevented from doing so by responses that appear to be policy-driven, non-transparent, and economically inconsistent. If a reasonable resolution is not made available, I will be forced to evaluate legal options, including XXXX XXXX XXXX protections, which would further reduce potential recovery. I am requesting : Review by a senior loss mitigation, recovery, or executive resolution team Written clarification of Capital Ones policy regarding settlements on delinquent auto loans Consideration of my settlement offer prior to repossession I am ready to resolve this matter immediately if a practical and rational solution is made available

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
CREDIT CNTRL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CNTRL 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 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing the following inquiries on my Experian credit report as they were not authorized by me and should not appear on my report. Please investigate these inquiries and remove them from my report : XXXX CARD - Date : XX/XX/XXXX XXXX CARD - Date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/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 2026-03-24 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: CA

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 explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo Bank allowed Money to transfer out of my account from a debit card that was already cancelled with confirmed dates. They returned {$770.00}.... the second claim was from a card number I never had and mysteriously got in the mail. Saturday afternoon. They have locked my account against me.... wnow ill not send me a new debit card. I can't access my money in anyway... I'm on XXXX XXXX XXXX and have been left XXXX. I've been hearing 3 business days since the 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 non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company Name : PayPal ( and optionally XXXX XXXX XXXX ) Issue : Incorrect denial of duplicate charge dispute / billing error Complaint : I am filing a complaint regarding PayPals handling of a duplicate billing dispute. On XX/XX/year>, I was charged twice by a merchant ( XXXX ) for {$59.00} within 37 seconds via PayPal. Both transactions were processed under the same billing agreement/authorization, indicating a duplicate processing error. The two PayPal transaction IDs are : XXXX XXXX I filed a dispute with PayPal identifying this as a duplicate charge. PayPal denied the claim, stating the transaction was properly processed. I then attempted an appeal, but the case was incorrectly categorized as item not as described, which is not relevant to a duplicate billing issue. PayPal failed to properly evaluate the core issue : two identical charges processed within seconds under the same authorization. I am requesting that PayPal : Reopen and correctly review this case as a duplicate billing error Refund at least one of the duplicate charges ( {$59.00} ) Review their dispute handling process to ensure billing errors are not misclassified Additionally, the transaction appears to involve a third-party service marketed in a way that may cause consumer confusion with XXXX/XXXX XXXX, which contributed to this issue. I also contacted XXXX and they stated a refund would not be made because I had to contact them within 3 days, and I contacted them on the 4th day. I believe XXXX and Paypal are furthering an international scam. As I was taking an online XXXX course I revceived a pop up stating that I had to upgrade my XXXX subscription to " XXXX XXXX '' to continue, which I did thinking it was part of the course. Turns out the product I purchsed was a product called XXXX XXXX which is a third party product unconnected with XXXX XXXX XXXX This product and others like it are offered for sale online in deceptive ways by a company called XXXX in XXXX and they use XXXX as a third party billing company. I believe XXXX, XXXX and Paypal are engaging in illegal conduct on an international level. This situation has resulted in financial loss and significant time spent attempting resolution. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing regarding the account you are attempting to collect under my name, XXXX XXXX. I formally dispute this debt and request full validation of the account pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : - The name and address of the original creditor - The original account number - A complete breakdown of the amount claimed, including fees, interest, and charges - Copies of any signed agreement or contract bearing my signature - Documentation proving your legal authority to collect this debt The amount being claimed is inaccurate and does not match the original agreement. Until proper validation is provided, I request that all collection activity cease and that no further negative reporting be made to any credit bureau. If you can not provide full validation, I request that this account be deleted and all reporting removed immediately. Please respond in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I arrive to XXXX XXXX in XXXX and my rate of room was for XXXX that day the hotel charge me XXXX with the XXXX dollars debit card guarantee deposit and they told me I gon na received the refund my XXXX dollars in my debit card, I went to the Wells Fargo and dont understand that was a debit card no credit card and they told me no my deposit is gon na be no refunded because the hotel o ly charge XXXX but the hotel charge me XXXX and this XXXX dollars debit card never was refunded I received the refund from the hotel they send me a letter that takes 14 days and the average of XXXX dollar dont appears in the statement I have the screen shot and everything but the balk cant understand was debit card my money was taken and the refund never refunded is like cash please help me

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 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
I am filing this complaint because Bounce AI continues XXXX send collection notices demanding payment on a disputed debt, even though I have already filed a CFPB complaint and they have not provided proper validation. I previously disputed the alleged XXXX Deposit Residential Tenant Bond balance in writing and submitted a CFPB complaint ( Complaint ID : XXXX ). That complaint is still open. Despite this, on XX/XX/year>, Bounce AI sent me a new collection email demanding payment, offering repayment options, and quoting generic contract language. They still have not provided : - Any evidence that blinds were replaced - Any maintenance records, before and after photographs of blind change - Any proof supporting the stormwater charges - Any documentation validating the underlying debt This appears XXXX be continued collection activity during an active dispute, which is not permitted. I am submitting this new complaint XXXX document Bounce AIs ongoing conduct and XXXX request regulatory review of their continued attempts XXXX collect an unvalidated and disputed debt. I have attached the new collection email as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I deposited a large check with my bank, Ally bank. They told me there would be an initial hold and Monday I would be released {$300.00} of the deposit and the remaining balance would be credited today the XXXX. In fact the remaining balance was released this morning, only for them to pull the money back out. Now, it is going to cause me to bounce XXXX checks that were written and sent out today, because the balance of my account showed the funds were there. Along with important medicine I need, the payment is going to decline and I will be without said medication for another week. They refuse to put the funds back in and do not care I will be bounce checks because of their actions.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to my Chase Branch on XXXX XXXX in XXXX XXXX on XX/XX/year> to sit with a Banker yo find out why my account was not debiting items and the balances were not up to date nor was the credits or debits and some of them were Shown repeating twice. She told me she could not explain why this was happening and maybe I should close my account. I was shocked. Instead or her trying to fix the problem, she wanted me to close my account thinking this was the best way to handle this situation. This is XX/XX/year> and duplicate postings are still showing on my account and my balance is never correct. I have had my savings depleted because they kept taking money from my savings to cover overdrafts in my checking that I did not have. Since my pension check goes direct deposit I told her I would have to change all of my ach debits and wait until I know exactly what I had in the bank. I have spoken to several agents on the phone to stop payments and they did not even do this. I intend to sue Chase for misappropriation of my funds along serious accounting errors that lead to overdrafts Shadow or memo transactions that are not fully settled, and the internal accounting mistakes that have caused me severe harm. For the month of XXXX they also deducted my mortgage XXXX x 's and I had to place a stop payment on the incorrect amount. At this point, all my funds were gone and I was in a serious financial situation. I have since opened a new account with another bank, but to date the errors are still occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
XXXX years ago I went to XXXX for just XXXX session and the next day I had an allergic reaction and called them and said my XXXX wouldn't allow me to continue with XXXX and cancel my package. I had also already paid them about a XXXX dollars and they said the first service was free for new customers. They said they would do a cancel but after a few years I recently had a collection on my credit report for this clinic. They had taken a few signatures from me but they didn't say they would involve another company. I had not received any service that I don't have to pay to this company for nothing.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
I had this debt come on my credit report and I was not notified to verify this debt. This account is listed as a collection, and I am requesting that it be fully investigated. Under the fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of this account. If you can not verify this information, I am requesting that if he removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank stated that my account was closed due to receiving a fictitious check. Upon speaking with the company on today, there has been no contact regarding this allegation. Thus, the funds of approximately {$19000.00} are being held into an account at Ally Bank. Each time I call, I'm told that they are waiting on instruction of how to send the money back, but it appears that this is not the case, and that maybe they are trying to withhold the funds for themselves.

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 2026-03-24 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: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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