vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
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 explanation
Consumer complaint received 2026-03-05 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
While working for XXXX, a manager applied for a credit card for me without my knowledge in 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 2026-03-05 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Truist Bank for an unauthorized electronic fund transfer in the amount of {$1300.00}. Truist initially issued provisional credit and later removed it without providing the required written notice. Regulation E requires written notice before removing provisional credit and a fivebusinessday period before debiting the account. Truist did not provide any written notice. After Truist denied my claim, I contacted the bank multiple times to request the documents they relied on to make their decision. Regulation E ( 12 CFR 1005.11 ) requires the bank to provide a written explanation of their findings and copies of all documents relied upon when a consumer requests them. Truist refused to provide any documentation. On XX/XX/year>, I called Truist and requested the documents again. The representative told me that the bank would not provide the documents unless I obtained a subpoena. This is false and contradicts Regulation E, which does not require a subpoena for a consumer to access the documents used in an error investigation. When I informed the representative that I was recording the call for my records, she immediately hung up. When I called back, another representative repeated that Truist would not provide the documents without a subpoena. As of today, Truist has not provided : - A written explanation of their findings- Any documentation used in their investigation - Any evidence supporting their claim that the transaction was authorized - Written notice before removing provisional credit Truists refusal to provide required documentation, their false statements about needing a subpoena, their failure to provide written notice before removing provisional credit, and their handling of my dispute appear to violate multiple provisions of Regulation E. Because the transaction was unauthorized and the bank did not follow the law in handling my dispute, I am requesting that the CFPB require Truist to return the {$1300.00} to my account and provide the documentation they are legally required to disclose.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
Subject : Wire transfer fraud funds appear to be held by Bank of America with no response I am filing a complaint regarding a wire transfer fraud incident involving {$28000.00} and the lack of response or resolution from Bank of America. On XX/XX/year>, I initiated a wire transfer in the amount of {$28000.00} through my bank, XXXX XXXX XXXX. The receiving financial institution ( creditor agent ) listed on the wire was Bank of America. The transfer occurred because a scammer gained access to a XXXX account belonging to someone I knew and used that compromised account to communicate with me and request the wire. At the time, I believed the request was legitimate. The funds were sent on XX/XX/year>. I realized the situation was fraudulent and reported the incident to my bank the very next day. Based on the information available to me, the scammers did not receive the funds. However, the money appears to have been routed to or held by Bank of America. Since reporting the fraud, I have not received any meaningful response, explanation, or assistance regarding the status of the {$28000.00}. This has been extremely frustrating because a significant amount of money is involved, and I have been unable to obtain clear information about where the funds are or why they have not been returned. I am requesting that Bank of America : Provide a full explanation of the status and location of the {$28000.00} wire transfer Clarify whether the funds are being held or frozen within their system Return the funds if they remain under their control Provide documentation of any investigation conducted regarding this fraudulent transfer I have acted promptly in reporting the fraud and have cooperated with my bank. I am requesting assistance from the CFPB to ensure this matter receives proper attention and resolution. Thank you, XXXX XXXX Additional information provided by consumer : XXXX Company Name : Bank of America Additional information provided by consumer : XXXX Consumer is wanting to do the complaint on Bank of America and not the XXXX 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 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because TransUnion continues to report inaccurate and unverified information on my credit report. Charged-Off Accounts Being Disputed XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} I dispute the accuracy of these accounts and request that TransUnion verify them with the original creditor. Documentation should include the original agreement, account history, and proof that the balance is correct. If this information can not be verified, the accounts must be removed. Collection Accounts Being Disputed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} I dispute these collections and request full verification including proof of ownership of the debt and documentation showing that the debt belongs to me. Unauthorized or Unverified Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shepherd Outsourcing, LLC
State: VA

Complaint narrative:
To Whom It May Concern, I am writing regarding a debt your company is reporting on my credit file under account number XXXX. Please be advised that I do not acknowledge or accept ownership of this debt, as I have not received proper verification. This communication does not constitute a promise to pay or a payment agreement except under the specific terms outlined below. I am prepared to offer a settlement payment of {$100.00} in exchange for your agreement to completely remove all information regarding this account from all credit reporting agencies XXXX XXXX XXXX and XXXX ) within ten ( 10 ) calendar days of receipt of payment. If you accept these terms, please provide a formal agreement on company letterhead signed by an authorized agent, as the letter provided was not sufficient for validation. This agreement will be treated as a contract subject to the laws of Virginia. Upon receipt of this signed agreement, I will remit the certified payment of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
Someone opened an XXXX XXXX credit card under the name XXXX XXXX using my information. However its hard to find the account due to my birthday not being found in the system. I dont know how this person did it but they truly messed up by using an {$800.00} credit card under my name. Its brought down my score and raised my amount owed. Please help me. Im XXXX and need this fixed.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Case ID : XXXX I am filing a complaint against Citibank for improperly denying my credit card dispute for a {$76.00} return ( part of a {$190.00} transaction ) and failing to provide the required documentation explaining their decision. On XX/XX/year>, Citi closed my dispute and reversed my conditional credit. Their online portal explicitly states : " A letter detailing your dispute resolution is available in your Notices & Letters. '' However, as my attached evidence demonstrates, no such letter was ever provided to my account. Citibank is withholding the specific reason for their denial, preventing me from addressing their exact claims. Regardless of their unstated reason, the denial is factually incorrect. My evidence proves the merchant safely received the returned merchandise ( Order # XXXX ) : - I returned the merchandise using the merchant 's provided XXXX return label. - The XXXX tracking number is XXXX. - XXXX successfully delivered the package on XX/XX/year>, at XXXX XXXX - The package was delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is the official XXXX XXXX XXXX XXXX XXXX Because the merchant safely received the returned merchandise, I am legally entitled to my refund. Citi failed to conduct a reasonable investigation and failed to provide a denial notice.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Subject : Formal Complaint Unjustified Restriction of Account Access and Transfer Blocking ( JPMorgan Chase ) To whom it may concern, I am writing to formally report a serious issue concerning unjustified restrictions placed on my JPMorgan Chase account, which are currently preventing me from accessing and transferring my own funds. Over the past three weeks ( XX/XX/year> ), multiple transfer attempts from my account have been rejected or blocked without any clear explanation. These attempts included both international wire transfers and ACH transfers. Each time I attempted a transfer, the transaction failed or was prevented despite my full compliance with all authentication procedures requested by the bank, including providing all verification codes and identity confirmations. I have made repeated efforts to resolve this issue directly with Chase. I attempted to contact customer service multiple times and waited for follow-up responses that were promised but never delivered. In several instances I received inconsistent information or no response at all. At this stage, I am also unable to access my online banking interface, which prevents me from retrieving detailed transaction references or screenshots of the rejected transfers. However, all attempted transfers and account activity should be clearly visible in JPMorgan Chases internal logs. These unexplained restrictions are preventing me from accessing and managing my own funds. As a consequence, I am currently unable to execute planned financial and investment decisions. This situation is causing measurable financial harm due to the inability to move or invest funds in a timely manner. Given the seriousness of this situation, I respectfully request the following : - Immediate restoration of full access to my account. - Removal of any unjustified restrictions preventing transfers. - A detailed written explanation for the repeated rejection of my transfers. - Confirmation that I will be able to access and transfer my funds without further obstruction. - A review of the financial impact caused by these delays. I have made every reasonable effort to resolve this matter directly with the bank. If the issue can not be resolved promptly, I will pursue further escalation through all available regulatory and legal channels. I expect a prompt investigation and resolution of this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Multiple daily call coming from Portfolio Recovery Associates most recent XX/XX/year> from XXXX ( XXXX ) XXXX. But every call comes from a different number and can not be blocked or stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I discovered a PayPal Mastercard account on my credit report that I did not open or authorize. I first became aware of this issue in XX/XX/year> when I attempted to open a Mastercard and was informed that a PayPal Mastercard was already reporting on my credit report with a balance of approximately {$13000.00}. This account was opened without my knowledge or permission. I never applied for, received, or used this credit card and did not authorize anyone to open an account in my name. PayPal has previously acknowledged that multiple PayPal accounts had been fraudulently opened using my information and those accounts were closed. However, they are refusing to close this PayPal Mastercard account even though it was not authorized by me. I have also received multiple notices indicating that my data may have been compromised in breaches connected to PayPal. I believe my personal information was used without my authorization to open this account.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Giggle Finance Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding the conduct of XXXX XXXX XXXX, which had been servicing an alleged merchant XXXX XXXX account on behalf of Giggle Finance Inc . XXXX XXXX XXXX contacted me in XX/XX/year> claiming to service a commercial debt allegedly owed to Giggle Finance Inc . They represented that they had authority to collect the balance and negotiate repayment arrangements. On XX/XX/year>, XXXX XXXX XXXX entered into a written payment arrangement with me in which I agreed to make initial payments toward the alleged balance. Under this arrangement I made three payments of {$50.00} each, totaling {$150.00}. These payments were withdrawn from my bank account and cleared successfully. However, these payments were never credited to the account balance that continues to be displayed by Giggle Finance. Despite accepting these payments, the balance remains unchanged and reflects no credit for the funds that were taken from my account. The payment arrangement document states that XXXX XXXX XXXX was acting on behalf of Giggle Finance and had authority to negotiate and service the account. Because they accepted the payments directly, they were responsible for ensuring the funds were properly applied to the account. This issue has caused additional harm because Giggle Finance subsequently sent a legal notice to XXXX that resulted in XXXX placing limitations on my XXXX and XXXX accounts. XXXX confirmed in writing that the account restrictions were based on a legal notice from Giggle Finance. I have attempted to resolve this matter without litigation. I previously filed a complaint with the Consumer Financial Protection Bureau regarding the underlying dispute, but the company failed to provide a final response within the required timeframe. Core Issues Payments totaling {$150.00} were accepted but not credited to the account. The balance being asserted appears inaccurate as a result. XXXX XXXX XXXX represented that it had authority to service and resolve the account but has not ensured proper accounting of the payments. The inaccurate balance has contributed to enforcement actions affecting my XXXX and XXXX accounts

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I purchased airline tickets through XXXX using my Capital One credit card. The total transaction was approximately {$5700.00}, and the portion in dispute is {$1500.00}. The tickets were purchased for business-class travel. However, after the original flight was cancelled, I was involuntarily rebooked into economy class for part of the trip. This resulted in a downgrade from the class of service that was purchased. I contacted XXXX to request a refund for the fare difference between business class and economy class for the affected flight segment. XXXX refused to issue a refund despite the downgrade. Because the merchant refused to resolve the issue, I filed a chargeback dispute with Capital One for {$1500.00}, which represents the portion of the ticket corresponding to the downgraded class of service. Capital One initially issued a temporary credit while investigating the dispute. However, after receiving a response from the merchant, Capital One reversed the credit and closed the dispute in favor of the merchant. The merchants response did not address the core issue of the dispute, which is that I paid for business-class travel but was transported in economy class. Instead, the merchant submitted generic terms and conditions about airline tickets and non-refundable fares. These documents do not demonstrate that the service purchased was delivered. Despite the documentation provided showing the downgrade and the merchants refusal to refund the difference, Capital One closed the dispute without properly addressing the fact that the service delivered was materially different from the service purchased. I am requesting that Capital One conduct a proper review of this dispute and apply the applicable credit card protections for services not received as purchased.

Company response to consumer: Closed with explanation