vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Apt XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX * * Re : Cease and Desist Account Ending in XXXX * * To Whom It XXXX Concern : I am writing regarding the Macys XXXX XXXX account ending in XXXX. This letter serves as a formal demand that you immediately cease and desist from all further communication with me regarding this account, except as permitted by law. Specifically, you are hereby instructed to : XXXX. Cease all telephone calls to me, including calls to my home, mobile phone, or workplace. XXXX. Cease all email, text messages, and any other forms of electronic communication. XXXX. Refrain from contacting any third parties, including family members, friends, or employers, regarding this account. All future communications, if any are required, must be made strictly in writing and sent to the mailing address listed above. Additionally, if this account has been reported to any credit reporting agencies, I request that you ensure all information reported is accurate and complete. If you can not validate the debt, you must cease reporting it. Please be advised that I am aware of my rights under applicable consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), and will document any violations. Failure to comply with this request may result in formal complaints and/or legal action. This letter is not an acknowledgment of liability for the alleged debt. Please confirm in writing that you have received this request and will comply. 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 non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CT

Complaint narrative:
I had a cashapp account for a couple of years now. Just yesterday I got notification that my account was closed. When I tried to reach to customer support they said that I violated terms and conditions and didnt tell me what terms and conditions. Then proceeded to say that my account could not be reopened and this is not the first time this is actually the second time they closed my account and stated that I violated terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Finance Direct LLC.
State: OR

Complaint narrative:
XXXX debt collector keeps repeatedly calling my phone saying that I owe an amount of money to XXXX XXXX which I never had and they have been calling me repeatedly for the last three years and this week they have called me three times and its only been two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I attended to deposit {$1800.00} at an ATM on XX/XX/year> at the XXXX XXXX branch around XXXX pm and the ATM kept my deposit and returned {$20.00} without a receipt. I went and spoke to a teller about the issue, he gave me a buisness card and told me to call the number on it, turned and walked away and locked the door, Then he called the police, I then called the police myself. When the police showed up I was told that they were told that I was attending to XXXX the bank which wasnt true, the ATM robbed me. I was then told by the police that I was longer allowed to bank at this particular branch. I did nothing wrong. I wasnt given any help. As the staff laughed about the situation. Other customers leaving the bank told me it was because XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX was running a special trial for a XXXXXXXX XXXX ' for only XXXX dollar for a month of access. I purchased this, and immediately cancelled it, as I only needed the XXXX month of access. Yet, they still charged me for the next XXXX months of access, even when I did not use it AT ALL XXXX each at {$63.00} on XX/XX/XXXX, and XX/XX/XXXX. I explicitly cancelled the subscription yet they still charged me, and contacts with the company XXXX have not succeeded. I have used their support portal, directly emailed them with no response nor an confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) XXXX, 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Corp Solutions Inc.
State: KS

Complaint narrative:
I was contacted regarding a debt and a lawsuit filed in California, a state I have not lived in for over 25 years. I informed the company that I do not reside in California and have never lived in XXXX XXXX where the lawsuit was filed. The company responded through the CFPB system stating they would close the case and notify their attorney to do so. Based on this, I believed the matter was resolved. However, I recently discovered on my credit report that a default judgement was entered against me in XX/XX/year>, after the company stated the case would be closed. I was not properly served, and the documents were left at an address where I do not live. I have never verified or acknowledged this debt. My concern is that the company proceeded with legal action and obtained a judgement despite indicating the case would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: TX

Complaint narrative:
I am filing a complaint against multiple debt collection agencies for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). After disputing the alleged debts and requesting validation under XXXX XXXX. XXXX, the companies failed to provide sufficient documentation showing that I am legally responsible for the accounts. They did not produce essential records such as a signed agreement, proof of ownership or assignment, a full account history, or evidence of their authority to collect. Despite this, they appear to have continued collection efforts and may have reported the accounts to credit bureaus without properly verifying the information. This conduct may violate several provisions of federal law, including requirements to validate disputed debts, avoid misleading representations, and ensure fair collection practices under the FDCPA, as well as obligations under the FCRA to report accurate information and properly investigate disputes. Additionally, failure to follow XXXX XXXX reporting standards and the reporting of incomplete or unverified data may expose these companies to further regulatory violations and civil liability. Overall, their actions suggest a pattern of attempting to collect unverified debts while potentially reporting inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I tried to log into my chime account on XX/XX/year> and it said my account was closed and to call chime. When I called a chime agent said they didn't have any information on why my account was closed and I would not be getting a refund of approximately {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally request assistance concerning a fraudulent transaction that resulted in a loss of {$5000.00} from my bank account. On XX/XX/year>, I initiated a wire transfer with Chase Bank to purchase goods from an online seller. Unfortunately, the goods were not legitimate, and I soon realized that I had fallen victim to a scam. I promptly filed a recall request with Chase Bank within XXXX minutes of the transaction ; however, Chase was unable to recover the funds from XXXX XXXX, the receiving bank. On XX/XX/year>, I was informed by Chase that my filing was considered incorrect due to my description of the incident as fraud rather than a scam wire, which they stated affected their ability to assist me further in recovering my funds. In addition to my attempts to resolve this situation with Chase, I also submitted a police report and filed an IC3 report. Despite these efforts, I am yet to receive my refund, and I believe that Chase did not take the necessary and timely actions to recover my money. I am seeking your assistance in this matter, as I believe I have been a victim of a scam and that appropriate actions should be taken to mitigate such occurrences in the future. I would greatly appreciate any guidance or support you can provide regarding this situation, as it has caused me considerable financial distress. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: MI

Complaint narrative:
On XX/XX/year> I received a direct deposit from my XXXX in to my checking account newly opened at Associated Bank. I enrolled in XXXX and made a payment of XXXX to my Checking account held in my name at XXXX Bank. I was not sending a payment to a stranger but yet I was sending a payment to myself. I was not warned and there were no disclosures regarding any temporary holds that would be placed on my account based on this being my first payment. The only thing listed was XXXX limits of {$1500.00} per day and i was under this limit. After I proceeded to initiate the payment of XXXX then I was met with a temporary hold placed on my funds. I am told it could take XXXX business days but there is nothing in writing informing me that this will definitely take place. Each day my money is held, I am losing 4.0 % apy on my HYSA at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX just closed my account on dec. due to i moved out from XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX they couldnt reach out through mail, so they decide to close my account and liquidate all my underlying asset in that account. it was about XXXX dollars, now i have to pay for the penalty, closure fee, they had my email, can reach to me at anytime but they choose to prematurely close my account being a jerk

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 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally file a complaint regarding several unresolved disputes and unauthorized transactions associated with my PayPal account. Despite multiple claims submitted, I have not received fair resolution or reimbursement for significant financial losses. Over the past several months, I have experienced approximately XXXX to XXXX separate cases involving unauthorized or fraudulent activity, totaling between {$3000.00} and {$6000.00}. These incidents include : XXXX. Unauthorized Transactions : Multiple purchases were made using my PayPal account and linked card without my authorization. I reported these transactions promptly ; however, PayPal denied the majority of my claims. In XXXX instance, they approved a refund for a small transaction ( approximately {$30.00} ) from a specific merchant, yet denied all other related transactions from the same merchant, which were clearly part of the same fraudulent activity. XXXX XXXX XXXX XXXX : I made a purchase through XXXX XXXX over {$1400.00}. The seller fraudulently shipped a package containing only cardboard instead of the purchased item. I filed claims with XXXX, PayPal, and XXXX. While XXXX approved a claim, they only reimbursed {$100.00}, which is far below the total loss. PayPal denied my claim entirely despite the clear evidence of fraud. XXXX. Failure to Properly Investigate Claims : PayPal has repeatedly denied my disputes without providing sufficient explanation or conducting what appears to be a thorough investigation. This has left me responsible for significant losses caused by fraudulent activity beyond my control. I have acted in good faith by reporting all incidents promptly and providing all requested documentation. However, the lack of support and inconsistency in XXXX decisions has caused me financial hardship and concern regarding consumer protection practices. I respectfully request that your office review my case and assist in ensuring a fair investigation and resolution. I am seeking reimbursement for the unauthorized transactions and fraudulent purchase losses, as well as accountability for the handling of my claims. Thank you for your time and attention to this matter. I am available to provide any additional documentation or details needed to support my complaint. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex closed my accounts. XXXX XXXX company filed a banrupcty and should be removed from my account. I need a new payment plan to be able to continue paying the balance of the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
In XX/XX/year> I called in to pay off and close the Apple Card account with Goldman Sachs. I was told the account was paid in full and that the account would be closed. Later, after trying to apply for a home mortgage, I found that APPLE CARD/GS BANK USA have sent my account to collections. The balance is {$2.00}. I have called several times to resolve this with Goldman Sachs, and they have refused to remove these marks from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: NY

Complaint narrative:
I had a house fire over a year ago. My insurance checks need to go through my mortgage company, XXXX. They deposited my final structure payment checks totaling {$110000.00}. The checks cleared weeks ago, and they can not find the money on their end. I owe contractors tens of thousands and cant move into my house until they are paid. Im now having to pay additional rent, as well as my actual mortgage. I also fronted all of our savings to try and prevent this. Ive spoken to my mortgage company multiple times in the last couple weeks and they havent been able to resolve it in a timely manner.

Company response to consumer: Closed with explanation