vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding unexpected fees associated with XXXX transactions funded by my credit card. I opened my account with JPMorgan Chase around the time this policy appears to have been implemented or changed. As a new customer, I was not notified or made aware that using a credit card for XXXX transactions would result in transaction and cash advance fees. As a result, I incurred multiple charges, including fees and interest. At no point did Chase clearly or directly notify me of this policy or provide clear disclosure that these transactions would be treated as cash advances or incur additional fees. From a consumer perspective, these transactions functioned as standard peer-to-peer payments, and there was no meaningful warning that they would trigger these types of charges. Had this been clearly disclosed, I would not have used my credit card for these transactions. After noticing the charges, I contacted Chase customer support by phone to seek clarification and request these fees be reversed. I was routed to a representative who stated they were unable to assist me. I requested escalation to another representative who could address the issue, but this request was declined, and no meaningful assistance was provided other than to let me know that my account was opened around the time the policy was created or changed. I also attempted to reach out for help via the in-app secure messaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I disputed a collection account reported by Portfolio Recovery Associates multiple times with the credit bureaus. Each time, the account was marked as verified, however no method of verification was provided as required under FCRA 611 ( a ) ( 7 ). I also requested documentation directly, including proof of ownership, original contract, and account-level records, but no such documentation has been provided. Portfolio Recovery Associates continues to report this account without providing proper verification or evidence that the debt is accurate or that they have legal authority to collect. This constitutes an improper investigation and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have tried for 1 in a half years to get help from the mortgage company XXXX thru XXXX XXXX and have been denied now I have a sale date of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am submitting this complaint regarding a billing dispute that was not properly resolved by my credit card issuer in connection with a purchase from AI Innovision. On or about XX/XX/XXXX, I enrolled in the Certified AI Consultant Program for a total of {$4900.00}. Prior to this, I paid {$1400.00} for a separate program ( AI Fuel Profits ), which was represented as being applied toward the upgraded certification program. The program was marketed as including structured training, ongoing access, and lifetime access to the program portal and materials. However, beginning XX/XX/XXXX, I lost access to the program portal and was unable to access the core services. When I contacted the company, I was informed that there was no active subscription associated with my account, despite ongoing charges. This directly conflicted with the representation of lifetime access. I made multiple requests for a copy of the governing contract, a complete payment ledger, and clarification of billing terms and how my prior payment was applied. These requests were not fulfilled. I disputed the charges with my credit card issuer, Navy Federal Credit Union, on the basis that the services were not provided as described and access to the program was lost. The dispute was denied on the basis that I had access to the product. However, access alone does not constitute fulfillment of services when the product delivered differs materially from what was advertised and access was subsequently restricted. Additionally, a separate financial institution ( XXXX ), which financed part of the transaction, conducted an independent investigation and issued a refund in my favor, supporting that the services were not delivered as agreed. Despite this, my credit card issuer did not reconsider or resolve the dispute appropriately based on the full set of facts and evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Dear, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by RMS Recovery Services. I previously disputed this account with the credit bureaus, including XXXX and XXXX. Despite my dispute, the account was marked as verified, however the information being reported is still incorrect. The account is being reported under the name XXXX XXXX, which is not my legal name. My correct name is XXXX XXXX. This is not a minor typographical error but a materially different name. Because the identifying information is incorrect, this account can not be reliably verified as belonging to me. XXXX confirmed that this incorrect name was provided by RMS Recovery Services and is being used to associate the account with my credit file. The company has failed to provide any documentation showing how this account was verified using correct identifying information. Simply stating that the account is verified is not sufficient. I believe the credit bureaus failed to conduct a reasonable investigation, and RMS Recovery Services is furnishing inaccurate information. I am requesting : - Immediate deletion of this account from my credit report - Documentation showing how this account was verified as mine using correct identifying information - Correction of any inaccurate personal identifying information associated with my credit file This reporting appears to violate the Fair Credit Reporting Act.

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 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I received a notice from Resurgent Capital Services L.P. regarding an alleged XXXX XXXX XXXX, XXXX. account ending in XXXX, listed under Resurgent Account ID XXXX, with a claimed balance of {$1200.00}. The notice states that my account may be forwarded to an attorney for review for a possible lawsuit in approximately 11 weeks and that actively paying on the account will remove it from the prelegal track. I dispute this alleged debt and am requesting full verification before any further collection escalation, attorney review, lawsuit review, or credit reporting continues. I am requesting that Resurgent provide the full original account number, the full name and address of the original creditor, a complete itemized breakdown of the balance, the date of last payment, date of default, a copy of the original agreement or contract, and documentation proving Resurgent Receivables LLC owns or has legal authority to collect this alleged debt. I am also requesting proof that the amount being collected is accurate and that Resurgent is authorized to collect this alleged debt. I am concerned that the prelegal language is pressuring me to make payment before proper verification has been provided. I request that Resurgent stop any legal escalation and properly investigate this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX social security number ending XXXX, XXXX XXXX had two separate Wells Fargo accounts in my lifetime. I have no idea what happened to the first one. But this second one, I was left responsible for montioring a family friends social security check in the amount of about {$630.00} a month. Wells Fargo illegally handed over access as of XX/XX/year> to some fraudster. They then lied to my face at the XXXX XXXX XXXX and XXXX Wells Fargo XXXX, XXXX XXXX XXXX XXXX XXXX zip code, and the XXXX California Wells Fargo by the XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX and told me the account had been closed IMMEDIATELY and never told me the balance or how they were going to send me the money. They treated me like I was the fraudster. Wells Fargo today sent me an email message requesting I go on there Wells Fargo message portal which is impossible to use and does not allow for sending of messages! I want my Wells Fargo account access restored immediately, I know they didn't close the account because of that social security check deposit. These are truly some scumbags.

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 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: MD

Complaint narrative:
I am filing a complaint against a debt collection company for improperly disclosing my personal debt information to a third party. On XXXX XXXX the company sent an email to a family member of mine at XXXX. This individual is not a co-signer, joint account holder, or otherwise legally responsible for my alleged debt.I have not given the company permission to contact this person.The email contained a settlement offer and included details such as the alleged balance owed and/or payoff amount.This communication clearly disclosed my debt to a third party.This action appears to violate the Fair Debt Collection Practices Act, which prohibits debt collectors from sharing information about a consumer 's debt with unauthorized third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/26 an unauthorized bill payment was made from my XXXX XXXX XXXX Checking account ( ending in XXXX ) by Goldman Sachs account holder. A bill payment transaction amount of {$9700.00} was made from my account, to the recipient, Apple Card Goldman Sachs Bank. My email account was compromised during this time by a fraudster and there was no notification to my email. The person hacked my account and set up a bill pay, then paid the apple card directly into Goldman Sachs. I was unable to stop the transaction when i called XXXX XXXX on XX/XX/26. The person is actually able to repeat this process over and over again with multiple victims. This has to be stopped and the person brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Opened a bank savings account with perks to get at least XXXX if you open an account. Now, they closed my account when I try to get a loan saying I had suspicious activity on my account. I need my account to be opened back again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and, provide proper documentation when requested within 30 days. These accounts are not 100 % accurate. Provide competent evidence including a signed agreement, full account history and verification to collect. If not provided cease all collection efforts and remove the information immediately.|

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: Block, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding unauthorized transactions made using my Cash App card and the companys refusal to reimburse me despite clear evidence of fraud. While I was at work, my Cash App card was stolen and used without my knowledge. I have provided documentation, including time records showing that I was actively working during the time these purchases were made. Additionally, some of the transactions occurred in a different state, further confirming that I could not have authorized or conducted them. The total amount of fraudulent charges exceeds {$1000.00} and consists of more than XXXX transactions across multiple merchants, including XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX. These transactions were clearly not made by me and reflect a pattern consistent with unauthorized use. I realized my card was missing on XX/XX/XXXX. Initially, I hoped it would be recovered ; however, on XX/XX/XXXX, after noticing numerous unauthorized charges, I immediately reported the card as stolen. Despite taking prompt action and providing supporting evidence, Cash App has denied both my dispute and subsequent appeal, stating that their decision is final. I have contacted Cash App support multiple times, but I have received little to no meaningful assistance. Their failure to properly investigate this matter and protect me as a consumer has resulted in significant financial loss. Given these circumstances, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving it. I am seeking a full reimbursement for the unauthorized transactions and accountability for Cash Apps handling of my claim. Please confirm receipt of this complaint and advise on any next steps. Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
( Appeal Letter ) Subject : Urgent Appeal for Claim - Evidence of Geographic Impossibility To : Bank of America Claims Resolution Total Disputed Amount : {$310.00} I am formally appealing the denial of my claim. I have clear, documented evidence that the disputed charges from " XXXX XXXX XXXX '' are fraudulent, as I was physically present in the XXXX area during the same period. Disputed Transactions ( The Fraud ) : XXXX XXXX XXXX : XXXX XXXX XXXX - {$140.00} & {$160.00} My Verified Activity ( The Proof of Presence ) : As shown in my official bank statements, I was conducting transactions in my local area ( XXXX ) at the same time, making it physically impossible for me to have authorized or conducted the transactions in XXXX : XXXX. XX/XX/year> : Purchase at XXXX XXXX # XXXX, XXXX XXXX, TX ( {$37.00} ). 2. XX/XX/year> : Cash Withdrawal at BANK OF AMERICA ATM, XXXX, TX ( {$100.00} ). 3. XX/XX/year> : Automated Payment at XXXX XXXX associated with my local ID. Conclusion : The merchant " XXXX '' is located in XXXX, TX, which is over XXXX miles away from my verified location in XXXX. The simultaneous activity in two different cities proves that my card information was compromised and used without my authorization. I request that you review these concurrent local transactions and immediately reverse the decision. I also reiterate my request for all documents and " proof '' provided by the merchant that led to your initial denial. Sincerely, Note regarding communication : Please be advised that I am a primary XXXX ( XXXX ) speaker. For any follow-up calls regarding this claim, I request that a XXXX interpreter be provided to ensure clear and accurate communication.

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 monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of identity theft. They tried to file taxes in my name, file for unemployment, get credit cards and auto loans. XXXX XXXX XXXX # XXXX Can u plz remove this from my credit report I was part of the equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION
State: DC

Complaint narrative:
I opened a business bank account based on a targeted offer for {$500.00} upon completing requirements. I very clearly went through the process of confirming multiple times during the opening that I was eligible for the offer and it was attached to my account. After opening my account, I even specifically sent a message to the marketing department confirming it was attached to my account, and they confirmed it was. Upon completing all the requirements, I reached out again to ask why it hadn't posted to my account, and they responded that a bonus associated with my address had been received. That is true, my wife received a bonus, however, any reasonable person reading the one sentence buried within the terms and conditions referencing this would take it to mean that it can not be multiple addresses attached to the same business! No reasonable person would read the terms to mean that it was referring to ANY business at the address. That doesn't even make sense, why would it restrict a completely unrelated business. The terms are intentionally vague, and I would say therefore very misleading. But the main reason I am complaining is that marketing specifically confirmed I was eligible! They had no problem determining my ineligibility AFTER I completed the terms, but if that was the case, they would have needed to notify me when I asked. I specifically asked the marketing department through secure message, " am I eligible for this offer? '' And they responded Yes. You can not then revoke an offer after I meet all the requirements.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Net spend lock my stimulus money for 2 years and I still have not received my money Thay won't talk to me plus send my money back two yrs later I need that money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and, provide proper documentation when requested within 30 days. These accounts are not 100 % accurate. Provide competent evidence including a signed agreement, full account history and verification to collect. If not provided cease all collection efforts and remove the information immediately.|

Company response to consumer: Closed with non-monetary relief