vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing regarding the continued restriction on my account related to a garnishment matter that has already been settled. Despite the resolution of this issue, my account access has still not been restored. My account was originally frozen in XXXX, and this situation has caused significant financial hardship. Because I was unable to access my funds, I experienced difficulties paying essential obligations, including my rent, car payment, and Navy Federal credit card payments. I respectfully request that Navy Federal immediately review my account status, confirm receipt of the garnishment settlement documentation, and restore full access to my account without further delay however they refuse to except the notice of satisfaction from the courts. This matter has already created unnecessary stress and financial disruption, and I would appreciate prompt attention and resolution. Please provide written confirmation once the restriction has been removed or advise immediately if any additional documentation is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Im writing to file a complaint against PORTFOLIO RECOVERY A for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX XXXX passed away unexpectedly, we opened a spotfund me for the funeral expenses, we did a pay out of XXXX to my XXXX account. Once it reached my XXXX account I tried to transfer to a bank account ( my XXXX XXXX XXXX ) so we can pay the funeral costs. We received an email stating suspicious activity and they needed proof of identity and of bank account. Which we did that. Then called multiple times to get a respond on what was taking so long to process which they kept saying they needed to verify the information, today we received an email stating that due to suspicious activity they deactivated the account and we no longer can access our funds and that they wont respond to any questions we have regarding the case. They gave us no explanation even though we followed their steps we even have proof of funeral arrangements and death certificate, that this isnt fraud and was money donated by our community for my stepdaughter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXXMy case number is XXXX.I am real disappointed the way how investigation going. Looks like nobody check illegally open 2 accounts in XXXX XXXX in XXXX. Five days ago I find out that from Bank Of America Fraud department last four digits for both accounts completely different. I called to XXXX XXXX just recently and lady told me this is cash accounts. I dont know what is that . I never transferred money. I dont know how to do it. I know how to transfer it only from my checking to my saving.She was able to put alerts on that. Just now after four months. When earlier I call, they dont have my name. I ask them.I keep telling everybody I never been in XXXX. I dont have any accounts except the Bank of America for last XXXX XXXX years. When Bank of America fraud department, called me I cooperate with them it were authority for me. I didnt know what they were criminals.They use my phone and I saw that. Please try to understand that please believe me. I never open account anywhere any account. I never transfer money. My credit card was limited only XXXX but criminals was able to transfer much more. I dont know how.'

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding Chases handling of a legitimate in-person card transaction, the inaccurate guidance I received from Chase support, and the failure to properly escalate the issue. I drove approximately XXXX miles each way, about XXXX miles total, to complete a purchase in person. When I attempted to pay with my Chase card, the transaction was declined. I immediately contacted Chase support and waited approximately XXXX minutes before speaking with a representative. I was told that my limit had been increased and that the payment should now go through. Relying on Chases statement, I attempted the payment again, but the transaction was declined a second time. I then called Chase support again and waited approximately XXXX minutes. During that call, I was transferred between representatives and asked multiple verification questions. Only after that process was I told that I needed to visit a Chase branch to complete a card clearance. By that time, it was already after XXXXXXXX XXXX and Chase branches were closed. As a result, I could not complete the purchase, could not use my Chase card for a legitimate transaction, incurred unnecessary travel costs, and lost the entire day. At the end of the second call, I asked to speak with a supervisor. I then waited on the line for approximately XXXX more minutes, but the call was disconnected without a supervisor speaking with me and without any resolution being provided. My complaint is not simply that Chase declined a transaction for security reasons. I understand that financial institutions may block transactions when they detect potential risk. The issue is that Chase first told me the problem had been resolved and that the payment should go through, but that information was incorrect. The requirement for an in-branch card clearance was disclosed only after a second failed transaction and another lengthy support call, when no branch was available. Chase also failed to complete the requested escalation to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALCAR INC.
State: DC

Complaint narrative:
On XX/XX/year>, I was first contacted by a representative of XXXX XXXX through an automated XXXX direct message. On XX/XX/year> I signed the loan agreement XXXX DR Bank / XXXX ( Loan ID : XXXX ) for {$9000.00} to fund enrollment in a program operated by XXXX XXXX, marketed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The loan was disbursed on XX/XX/year>. I was recruited through an automated XXXX direct message after following the account. The message offered a free roadmap to becoming a XXXX XXXX XXXX XXXX XXXX. I was directed to fill out a survey asking about my income goals and willingness to commit. Approximately XXXX minutes later I received a phone call from a representative. No program curriculum, refund policy, cancellation terms, or enrollment agreement was presented at any point before the loan was originated. The sales process focused entirely on XXXX pressure tactics asking what I had to prove, why now, what this would mean to me designed to get me to sell myself on the program rather than evaluate what I was actually purchasing. I was never shown what the coursework would look like in detail before committing to a {$9000.00} loan. After gaining access to the program post-enrollment I discovered the following : the program is primarily self-paced with little to no grading or feedback on submitted work- the curriculum relies primarily on available XXXX videos with XXXX content, Day XXXX content covered introductory computer hardware basics that do not reflect the advanced cloud engineering program advertised, and live sessions do not align with the written curriculum materials. There is no public website for XXXX XXXX the entire sales process occurs through XXXX DMs, a XXXX channel, and a XXXX platform page. I formally requested cancellation and a full refund within XXXX hours of the loan being disbursed. Per Section G of my loan agreement, a full refund issued by the merchant XXXX DR Bank before my first payment date of XX/XX/year> cancels the loan in full. The merchant has refused to address my refund request in writing, refused to provide any documentation in advance, and the founder stated in writing : " This is not a conversation we can have over text '' and " How you choose to proceed outside of that is your decision. '' The founder also confirmed in writing that documentation is only reviewed on calls they control, stating " documentation is reviewed together on the recorded call that is the process for every student. '' I am requesting CFPB assistance in ensuring XXXX XXXX issues a full refund of {$9000.00} XXXX DR Bank / XXXX within the cancellation window outlined in my loan agreement, on the basis that the service was not clearly represented before purchase, no refund policy was disclosed prior to the loan being originated, and the sales process employed deceptive psychological pressure tactics that prevented informed consumer decision-making.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On or around XX/XX/year>, I mailed LVNV Funding a direct dispute and request for debt validation/method of verification regarding a disputed account they were reporting to the credit bureaus. I requested documentation supporting the accuracy of the reporting and verification of the account. I also submitted disputes with the credit bureaus regarding this account. Despite my request, LVNV Funding did not provide me with a direct response or adequate verification documentation. However, the account continued to be reported and verified through the credit bureaus. I believe the reporting and investigation of this account were inadequate and that LVNV Funding failed to properly respond to my request for verification while continuing collection and credit reporting activity. I am requesting that LVNV Funding provide proper verification documentation supporting the reporting of this account or cease reporting inaccurate or unverified information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email from Capital One - SAVOR Card with a promotional offer of 0 % XXXX, cash back on daily purchases, restaurants & travel and {$200.00} cash back bonus with {$500.00} in purchases within the first 3 months after approval. I received my approval noticed and new card in XX/XX/year> within the promotional period and the first billing cycle which reflected the cash back earned for my purchase of {$1000.00} within the first week after approval offer. I had not received my {$200.00} cash back and I called to XXXX and spoke with XXXX different supervisors I was told that the card that I received did not include the {$200.00} promotion, which does not make sense because theres only XXXX Capital One Savor card. According to the supervisor I spoke with the card that I applied for is different than the card that I received. That doesnt make any sense since there arent separate tiers on the same card. It can not be based on my XXXX XXXX since it is currently at XXXX and I currently have several cards and an XXXX XXXX card with NO LIMIT. I feel this was a bait-and-switch offer to get me to apply and now they dont want to honor my promotional offer. This is a deceitful practice and unacceptable as a consumer, not to mention that I currently have another card with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
Subject : Formal Dispute of XXXX Account # XXXX This email serves as formal notice that I dispute the balance of {$4600.00} referenced in your recent emails. I have made payments totaling approximately $ XXXX through FMS Financial Solutions XXXX leaving a remaining balance of approximately {$2700.00}. I have documentation reflecting payment amounts and dates. Your attempt to collect the full original balance without crediting payments already made is incorrect. Please provide written confirmation whether this debt was sold or assigned to FMS Financial Solutions and provide a complete accounting of the debt, including all payments received and the current adjusted balance. Until this accounting is provided, the balance is formally disputed. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Follow on previous case : XXXX I just received an official letter from Truist dated XX/XX/XXXX. It explicitly states : " Truist requires a Hold Harmless Letter and requested XXXX XX/XX/year>, however we have not received a response at this time as of XX/XX/XXXX On XX/XX/XXXX, XXXX stated XXXX informed them that Truist received the hold harmless letter. I think there is a major discrepancy here and it appears XXXX of the parties is not telling the truth. Please provide reasonable explanation for this

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 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint regarding the closure of my American Express XXXX XXXX XXXX Account, which held a balance of more than {$40000.00}. American Express closed this account without providing me adequate prior notice, a clear explanation, or any meaningful communication before the closure was carried out. I was not informed of the reason for this action, nor was I given an opportunity to address any concerns beforehand. I also spoke with an American Express representative named XXXX ( XXXX ID : XXXX ), who was unable to provide a satisfactory explanation. I am requesting the following : - A written explanation of why my account was closed. - A review of the decision to close the account. - The prompt return of all funds held in the account. Given the amount of money involved and the lack of communication from American Express, I expect a timely and substantive response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Im writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I have been XXXX since XXXX XXXX it is not possible for me be responsible for the debt asking to be collected. This is a result of identity theft.

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 2026-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never given permission for anyone to use my personal information to open accounts, apply for credit, or report inaccurate information in my name. Due to multiple data breaches involving the credit bureaus, my private information may have been accessed by unauthorized individuals. I believe the disputed items may be the result of identity theft or fraudulent activity. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
I did a VA XXXX XXXX with XXXXXXXX XXXX XXXX ( XXXX XXXX ) as well as United Wholesale Mortgage ( XXXX XXXX ). My loan is now transfered to a new company which is XXXX XXXX XXXX ( XXXX XXXX ). My loan to them is Conventional which is incorrect and should be a VA loan, I never signed any paperwork authorizing this transfer or switch to a conventional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NE

Complaint narrative:
My name is XXXX XXXX and I am filing a formal complaint against Chime Financial Inc for a direct violation of federal Regulation XXXX ( XXXX CFR Part XXXX ). I attempted to report XXXX debit card transaction processing errors totaling {$340.00} to XXXX. These XXXX transactions were settled XX/XX/year>- XX/XX/year>. Chime 's phone support agents explicitly refused to let me file a formal dispute, refused to transfer me to a supervisor, and ignored me on the line until I was forced to hang up. Chime is willfully blocking my right to an error resolution investigation and a XXXX provisional credit. I demand that Chime immediately open a formal Regulation XXXX dispute and credit my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
I am submitting this complaint regarding an unverified collection account being reported and collected by IQ Data International , Inc. I do not recognize this alleged debt and I did not authorize or enter into any agreement related to this account. I have reason to believe this account may be the result of identity theft, inaccurate reporting, or improper collection activity. IQ Data International is currently reporting a collection account with a balance of approximately {$19000.00} on my consumer credit report ; however, the company has failed to provide any signed contract, account-level documentation, or proof that I am legally obligated for this debt. Additionally, the account is being reported with incomplete and inconsistent information across the credit reporting agencies. Important XXXX XXXX reporting fields including payment history, account terms, last payment information, and other required account data are missing or not properly reported. Despite my dispute, IQ Data International continues to report and attempt to collect this account without providing proper validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The continued reporting and collection of this unverified account is causing significant harm to my creditworthiness and financial standing. I am requesting an immediate investigation into this matter and deletion of the account if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Ic systems is trying to contact me about a debt that does not belong to me I have received XXXX documentation regarding this account even though its been requested I am unable to dispute the account on there website and the representatives refuse to give me anything regarding this account without payment! I think this is a scam debt collector the information they have doesnt even match my information nor have I ever lived at the address they have on file regarding the utilities account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, a sender mistakenly transferred XXXX Wrapped XXXX ( XXXX ) from their wallet ( XXXX ) to my PayPal-providXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because XXXX is an XXXX XXXX XXXX XXXX XXXX automatically generated a token account securely linked to my PayPal deposit address to hold the funds. The public blockchain ledger confirms this transfer was successful ( Transaction Signature : XXXXXXXX XXXX Because PayPal operates as a custodial wallet, PayPal 's enterprise servers hold the private keys to this address. I do not have the XXXX authority to execute the standard 'unwrap ' instruction myself. I have attempted to contact PayPal support to resolve this, but they have been unresponsive or dismissive, effectively trapping my funds in an address that only PayPal controls. ''

Company response to consumer: Closed with explanation