vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX reporting a collection account on my credit report in the amount of {$660.00}. I do not recognize this debt and have not been provided proper validation. I am requesting full verification of this account, including the original signed agreement, complete account history, and documentation proving XXXX XXXX XXXX has legal authority to collect this debt. I also request verification of the accuracy of all reported information, including balance, dates, and ownership. This account was previously removed from my credit report and has since been reinserted. I did not receive proper notice of reinsertion as required under the Fair Credit Reporting Act. I am requesting documentation showing compliance with reinsertion requirements, including proof of notification and verification used to reinsert the account. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if this account can not be fully verified and accurately reported, it must be removed from my credit report immediately. I am requesting that this matter be investigated and resolved promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding a fraudulent transaction conducted through Cash App. On XX/XX/XXXX, I sent a payment to an individual for a car painting service. This payment was made under the agreement that the service would be completed ; however, no work was ever performed and the service was never delivered. After receiving the funds, the individual stopped responding and has refused to return my money. I attempted to resolve the matter directly and requested a refund through Cash App, but was unsuccessful. I have filed a police report regarding this incident and have supporting documentation, including screenshots of communication and proof of the agreement. I have been a Cash App user since XXXX and am concerned about the lack of protection for consumers in situations involving clear fraud and non-delivery of services. I am requesting that this matter be fully investigated and that I be credited or refunded for this fraudulent transaction. I also request that appropriate action be taken regarding the recipients account to prevent further harm to other users. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX for Failure to Respond and Escalation of Debt Collection Balance To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of an outstanding debt originally purchased from Citibank. Despite my XXXX repeated, documented attempts to resolve this matterincluding a certified letter dated XX/XX/year>, which XXXX XXXX XXXX representative XXXX XXXX received and signed for on XXXX XXXX have not received any response to my settlement or payment proposals. From the inception of this judgment, I have never been provided with any payment options to resolve this matter, making it impossible to address the debt proactively. Furthermore, the collection balance on this account has significantly increased from {$14000.00} to {$17000.00} without adequate explanation. This escalation in fees and the lack of communication are concerning and appear to constitute unfair or deceptive collection practices. These actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ), specifically the requirements regarding timely communication, fair dealing, and transparent accounting of debt balances. I respectfully request that the Consumer Financial Protection Bureau investigate XXXX XXXX XXXX for potential violations of federal consumer protection laws. I am also requesting that XXXX XXXX XXXX be compelled to : Provide a written response to my settlement proposal Offer a detailed explanation of the balance increase, including an itemized accounting of all fees and charges applied since the debt was acquired Cease any further accrual of interest or fees until they have fulfilled their obligations to respond in good faith I am attaching supporting documentation, including copies of my correspondence and proof of delivery. Please advise on any additional steps I should take to ensure my rights are protected. Thank you for your attention to this matter. Sincerely, XXXX 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 2026-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a XXXX debit card and it expired. The company never issued me a new one and when I called them refused to issue me a new one, or give me my money left on the 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 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I was originally contacted by XXXX XXXX about a XXXX bill. I explained that i had insurance and this must be a mistake. They asked if i was disputing the debt and i said yes. I was never contacted again. Earlier this year i noticed XXXX collections on my account. I originally thought it was fraud because i had forgotten about the previous call of over a year prior. I contacted the credit reporting agencies and reported it as such. The debt came back validated. I immediately contacted my insurance company and asked about the debts and why they was paid. The provided me with proof of the bill being partially paid and explained why it wasn't fully covered. They reiterated that there was only XXXX bill and it was less than XXXX XXXX dollars. I asked them to please forward me that information so i could dispute the collections again. Which i did only to have XXXX say the debt was validated while XXXX removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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 filing this complaint against Chase Bank regarding multiple unauthorized transactions on my account. The issue began with a {$5.00} transaction that was processed without any notification, alert, or verification request. I did not receive any information about this transaction at the time. After that transaction was successfully completed, a larger unauthorized withdrawal of {$790.00} was processed on XX/XX/XXXX without my knowledge or consent. On XX/XX/XXXX, additional unauthorized attempts were made to withdraw {$790.00} and {$990.00} from my account. The {$990.00} transaction was the only one that triggered a notification, which allowed me to cancel it. This is how I became aware of the prior unauthorized transactions. I never authorized any of these transactions and did not receive any alerts, confirmation requests, or fraud warnings for the initial transactions, which indicates a failure in Chases fraud detection and security systems. Additionally, Chase initially attempted to reverse the {$790.00} transaction, which demonstrates that the bank recognized the transaction as suspicious or unauthorized. However, after being unable to recover the funds, Chase changed its position and claimed that I authorized the transaction. This contradiction raises serious concerns about the integrity of their investigation. I previously filed a claim with Chase under reference number XXXX, which was denied without sufficient evidence or a clear explanation of how the transaction was allegedly authorized. I am attaching supporting documentation, including : A copy of the denial letter from Chase Screenshots showing that no fraud alerts or verification messages were received Evidence that Chase attempted to reverse the transaction but was unsuccessful I am requesting a full investigation, including : The IP address and device used to initiate each transaction The method of authentication used Proof that I authorized these transactions Chase has failed to demonstrate that I authorized these transactions, and under federal regulations, unauthorized electronic transfers must be properly investigated and reimbursed when applicable. I am requesting full reimbursement of the unauthorized {$790.00} transaction and a formal explanation of their findings. If this matter is not properly resolved, I am prepared to escalate this issue further with additional regulatory and legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am filing this complaint against Chime regarding their total failure to investigate a clear case of fraud involving a {$180.00} transaction for a puppy purchase. I am specifically escalating this through the XXXX because Chime has refused to answer my emails and has completely stonewalled my attempts to resolve this through their standard channels. I was scammed out of {$180.00}. I immediately called Chime to report the fraud and open a dispute. Despite the severity of the situation, Chime completely dismissed me and closed the claim within XXXX hours of my initial call. It is physically and logistically impossible for a financial institution to conduct a meaningful investigation into a scam in under XXXX minutes. It is incredibly disheartening that Chimes system is designed to " shut up '' the victim of a scam almost immediately, without even offering a proper inquiry or allowing me to submit evidence. By refusing to answer my follow-up emails or take action against the recipient 's account, Chime is effectively protecting " bad actors '' and allowing them to continue scamming others on their platform. I am going over their heads because their internal support has failed to provide even the most basic level of service. I am seeking a manual review of this transaction. I have evidence of the scam, including the fraudulent promises made by the seller, which Chime refused to look at before closing my case. I am requesting that Chime reopen this investigation, review my evidence, and return the {$180.00} that was taken under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX made on XX/XX/XXXX cleared XX/XX/XXXX will not apply to account t until XX/XX/XXXX Payment made of XXXX cleared XX/XX/XXXX will not post to account until 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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I am submitting this update to supplement my existing complaint XXXX After filing my complaint, I received written notice from XXXX XXXX XXXX stating that my account had been placed in XXXX XXXX status for 30 days as of XX/XX/year>, and that the account will be subject to closure after XX/XX/year> if that status remains in place. This development is significant because it shows that the bank identified a level of irregularity or risk affecting the account sufficient to restrict its use. However, despite taking restrictive action against the account itself, the bank has not resolved the underlying fraud dispute, has not restored the disputed funds, and has not provided an effective internal mechanism through which I can recover the money that was withdrawn. I am therefore facing a situation in which the bank is preparing to close the account while the fraud claim remains unresolved. This leaves me without access to the disputed funds and without a meaningful banking relationship through which to pursue relief. I submit this notice as additional evidence that the bank recognized a serious issue affecting the account, yet failed to provide a fair and effective resolution of the unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I transferred Membership Rewards points from American Express to XXXX XXXX in XX/XX/year> after seeing the promoted transfer partner benefit and expecting to use those points to book travel online. After the transfer, I repeatedly attempted to redeem the points through XXXX XXXX website over several months and was unable to complete bookings. I made dozens of attempts using different sessions and devices, and the same failures continued. I then contacted American Express and explained that the transferred points were not reasonably usable for their intended purpose because the online redemption system was not functioning properly. I requested a practical solution, including reversal of the transfer or another accommodation. American Express confirmed the transfer itself was successful but stated that once points are transferred, they can not reverse the transaction and can not assist with the partners redemption system. I also contacted XXXX XXXX and was informed that phone booking was the alternative. However, that process is not equivalent to a functioning online booking platform. My concern is that consumers are encouraged to transfer points into a partner program that may not be meaningfully accessible in practice, while bearing all of the risk if the system does not work. The amount involved was approximately XXXX Membership Rewards points, which became about XXXX XXXX XXXX points after the promotional transfer bonus. I am requesting review of whether this partner rewards benefit is being marketed and administered in a fair and transparent manner, and whether affected consumers should receive a remedy when transferred points can not be reasonably used as expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a bussines account with chase bank, over a period of time, someone to who I wrote checks, saved the physical hard copy of the checks and deposited as much of 3 times the same check, over a period of 18 months, even the checks were dated from XXXX and XXXX, I noticed once back in XXXX of XXXX, I went tothe bank, teller, she instructed me to call a XXXX number and to follow up via phone cause she coulnt help, so I did, Chase canceled the check and refund the funds, I asked how I could avoid happening again, it was not clear answer but the the issue persisted, I didnt notice the redeposit of the checks cause it was ocurring in a small scale over period of time, towards the end when my accountand notice the discrapancies it added to {$99000.00} she noticed it after doing her work for the tax period, towards the end of the fraud, the redeposits were adding as much of {$7500.00} at month, and I was getting hit with overdrafted fees, I didnt realize, I didnt understood what was happening, I had to use credit cards to keep my self afloat, now I am on debt trying to fix the issue, this error from chase had created a huge financial stress not only affecting my bussines but my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management for violation of the FDCPA 15 U.S.C. 1692g. I sent a debt validation letter via Certified Mail delivered XX/XX/year> signed by XXXX XXXX at Midland. Midland responded with only a billing statementwhich does not constitute valid debt validation. They failed to provide the original signed credit agreement, proof of debt ownership, complete account history, or proof the statute of limitations has not expired. I sent a second Certified Mail letter demanding the original signed contract. As of today they have not provided it.The debt originated from a corrective back brace sold by XXXX XXXX, a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX FL, financed through XXXX Bank. The product was so defective and difficult to use it was never worn and I received no benefit. I am currently undercare of a XXXX XXXX XXXX at XXXX XXXX Florida for a XXXX degree XXXX curve with XXXX XXXX XXXX. The brace was sold without referral from any XXXX XXXX XXXXXXXX. At least one other patient reported the same experience. I amrequesting Midland cease all collection activity and remove this account from all three credit bureaus immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I sent {$120.00} through XXXX for the purchase of medication from a seller I was communicating with on XXXX. The seller stated that shipping was included in the price. After the payment was sent, I was provided with a tracking link and then contacted by someone claiming to be a shipping company. I was told that I needed to pay an additional {$100.00} mandatory regulatory fee to release the package. This fee was never disclosed before the initial payment. I refused to send the additional payment and requested a refund, but the seller refused and continued to demand more money, including additional fees to return the package. I never received any product. This situation involved deception and misrepresentation. I was misled into sending money under false pretenses, as the seller was impersonating a legitimate pharmacy, and I was later pressured for additional payments through what appears to be a fake shipping company. I reported this to Chase and XXXX, but my claim was denied and closed. I was told that I chose to send the money through XXXX, however this transaction was made under false pretenses. Neither the agent nor the supervisor provided meaningful assistance or properly addressed the fraudulent nature of this situation. I am requesting that this case be reviewed again as fraud and that I be reimbursed the {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: WV

Complaint narrative:
I made my auto loan payment to XXXX/Bridgecrest the day before it was due. Normally, my balance updates to XXXX immediately after payment, but this time it did not, and I did not receive any confirmation that the payment went through. Believing the payment had failed, I made a second payment on XX/XX/XXXX to avoid being late. As a result, I was charged twice for the same payment, which caused my bank account to become overdrawn. When I contacted the company, they confirmed both payment dates without me providing them, yet still refused to issue a refund. I provided proof from my mobile banking clearly showing both transactions and the overdraft, but they refused to accept it and insisted on a full monthly bank statement, which is not available until XX/XX/XXXX. My bank has confirmed the transactions but can not generate a full statement before that date. The company is rejecting valid proof and delaying resolution, leaving me responsible for overdraft fees and without access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
b'RE: Formal Complaint - Failure to Validate Debt (LVNV Funding LLC)\n\nOn XXXX XXXX XXXX, I issued formal Debt Validation Requests via Certified Mail to LVNV Funding LLC (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.\n\nThe reporting entity, LVNV Funding LLC, has failed to respond directly to my legal demands. Instead, a third-party servicer, Resurgent Capital Services, intercepted the disputes and issued "Account Summary Reports." These summaries contain an explicit legal disclaimer stating: "It is not a credit card or other account statement from the original creditor".\n\nBy their own written admission, the collectors do not possess the original signed contracts or the legal bill of sale required to prove a chain of title and validate this debt under the Fair Debt Collection Practices Act (FDCPA) and Texas Finance Code 392.202. Despite being notified of this failure and given a formal 15-day window to cure the violation, they have failed to provide any competent evidentiary matter.\n\nI am being subjected to negative credit reporting for unverified accounts that the collector has admitted they cannot document with original records. I demand the immediate and permanent deletion of these tradelines from all credit reporting agencies.'

Company response to consumer: Closed with non-monetary relief