vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, bank of American credit card invoice me {$1000.00} credit card charge This was a fraud, I report immediately, but the refused my complaint, they said the store has my signature, my chips and pin Here is my reason This is a replacement card for the upcoming expired card, I never received it, the track status of the bank also shows unable to confirm the delivery of the new card I was not in the XXXX on XX/XX/year>, I was in XXXX XXXX, then how can I do shopping myself in XXXX to signed the charge Bottonline, this is not my charge, I never received the card, never activated it and never used the card, once I found out the charge, I report to the bank I pause my account, the bank refused my request XXXX times and gave me the same nonsense answer

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 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing regarding the XXXX XXXX account ending in XXXX. The total balance I owe on this account is XXXX XXXX XXXX dollars ( {$250.00} ). This letter does not refer to, and does not acknowledge, any balance of {$2500.00} or any other amount. 
While the balance owed is {$250.00}, I formally dispute the accuracy and authorization of the transactions that comprise this balance and the manner in which this account and balance are being reported. 
I did not authorize the disputed charges as reported. Accordingly, the information being furnished is inaccurate, incomplete, and misleading. I request that you conduct a full and reasonable investigation and provide written verification and an itemized statement showing exactly how the {$250.00} balance was calculated. 
This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FCRA, inaccurate or unverifiable information must be corrected or removed from my credit file. Pursuant to 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information within 30 days of receipt of this notice. If you are unable to verify the accuracy and authorization of the transactions comprising the {$250.00} balance, you are required by law to correct or delete the disputed information from my credit report. 
Failure to respond, failure to conduct a reasonable investigation, or continued reporting of inaccurate or unverifiable information will constitute violations of federal law. In such event, I will pursue all available legal remedies, including filing an action in federal court, to enforce my rights under the FCRA and FDCPA. 
In accordance with 15 U.S.C. 1681i ( d ), you must notify me in writing of the results of your investigation. Additionally, under 15 U.S.C. 1681j, there shall be no charge for providing an updated copy of my corrected credit report following completion of the reinvestigation. 
This correspondence is submitted without waiver of any rights and without acknowledgment of liability beyond the stated balance of {$250.00}. Please provide the requested verification and written confirmation of your findings within the required statutory timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: FL

Complaint narrative:
I entered into a court-approved settlement agreement on XX/XX/year> regarding this account. The case was dismissed without prejudice contingent upon timely monthly payments, which I have been making through LVNV Fundings law firm, XXXX XXXX XXXX XXXX XXXX XXXX 

Despite timely payments under this agreement, LVNV Funding is reporting the account as unpaid since XXXX, which is inaccurate and misleading. This reporting does not reflect the active repayment plan or payment history and is damaging my credit. 

I am requesting that LVNV Funding immediately correct the account status to reflect an active repayment/payment arrangement with an accurate balance, or remove the tradeline if it can not be accurately verified, in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: AL

Complaint narrative:
My debit card was charged multiple times by XXXX XXXX and I dont even have a XXXX account or an XXXX  phone to be able to purchase anything from the XXXX XXXX store. I reached out to XXXX who directed me to report the charges to my bank. I was told multiple times that they were escalating my case and that I would receive provisional credit, but they denied my claim stating that I authorized the transactions which I never. They need to properly investigate and provide me with my {$550.00} that they allowed to be pulled from my account with no text or email or anything despite the charges being outside of my usual spending habit. There should have been some sort of fraud alert or something.

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 2026-01-09 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, VyStar Credit Union unlawfully exercised setoff against my personal deposit accounts, sweeping {$2200.00} without notice. 

Specifically, VyStar removed : {$1600.00} from Account ending XXXX, which contained directly deposited Social Security benefits ; and {$660.00} from Account ending XXXX, which consisted of prepaid client funds for charter services. 

The funds in Account XXXX are protected federal benefits under 42 U.S.C. 407 and 31 C.F.R. Part 212. At the time of the sweep, the amount seized was less than the protected two-month lookback amount of Social Security benefits. VyStar did not perform the required lookback analysis and applied setoff in violation of federal law. 

The setoff was executed without advance notice and left all my VyStar accounts at or near XXXX. As a result, I was unable to purchase food or fuel, hesitated to use heat during freezing temperatures, and faced imminent disconnection of electric, internet, and phone services. My internet service is essential to my self-employed charter business, and VyStars actions created immediate operational and reputational harm. 

I notified VyStar by phone immediately ( on XX/XX/XXXX ) and requested an urgent compliance review. On XX/XX/XXXX and XX/XX/XXXX, I sent formal written demands by email to VyStars Compliance & Legal Department and Supervisory Committee requesting provisional restoration of the funds. 

On XX/XX/XXXX, I sent formal written demands by two separate certified mailings to both VyStars Compliance & Legal Department and Supervisory Committee requesting provisional restoration of the funds. 

VyStar has not restored the funds. 

Any contractual right of setoff is void as applied to protected Social Security benefits. I am requesting immediate restoration of all unlawfully seized funds and written confirmation of corrective action. 

This complaint concerns an ongoing violation causing real-time harm. 

Relief requested : 1. Full restoration of funds 2. Written explanation and corrective action 3. Assurance of no future unlawful setoff of protected benefits

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXX  VIA CERTIFIED MAIL AND EMAIL\n\nTO: XXXX XXXX XXXX XXXX  Attn: XXXX XXXX  Branch Service Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA\n\nSubject: URGENT: REQUEST FOR 90-DAY ACCOUNT CONTINUATION  Account Ending in XXXX\n\nDear XXXX XXXXI am writing to formally request a temporary continuation of my account ending in XXXX. This account is the primary receiving account for my U.S. Social Security and Federal benefits.\n\nAs a U.S. Veteran and citizen residing in XXXX, I am facing severe bureaucratic hurdles in complying with your institutions decision to close my account. Specifically:\n\nFederal Verification: The XXXX XXXX  required by the SSA has significant delays for expats.\n\nRegional Jurisdictions: My case is handled by the Federal Benefits Unit in XXXX XXXX  which requires extra processing time.\n\nFinancial Hardship: Closing this account now will result in the immediate suspension of my only source of income.\n\nI request that XXXX XXXX XXXX XXXX keep my account "Active" for a grace period of ninety (90) days.\nThis period is essential to ensure my transition to a new institution is completed without a financial crisis. I am sending copies of this request to my Congressional representatives and the CFPB. Please provide written confirmation via email within five (5) business days that my account will remain active through XXXX XXXX XXXXSincerelyXXXX 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 2026-01-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OR

Complaint narrative:
XXXXessage : " I am writing to formally dispute the seizure of my XXXX benefits to pay a negative balance on my account. 
Protected Income : The funds you took are XXXX XXXX XXXX XXXX XXXX XXXX which is protected under 42 U.S.C. 407 ( Section 207 of the Social Security Act ). It is illegal to seize these funds for a debt. 
Fraudulent Balance : The negative balance was the result of unauthorized/fraudulent activity which I have previously reported. Under Regulation E ( Electronic Fund Transfer Act ), you are required to investigate and provide provisional credit.

Vulnerable Adult Status : I am a vulnerable adult in a medical crisis. Your seizure of my survival funds has left me without food or medication. 
I demand an immediate reversal of this set-off and the restoration of my XXXX funds to my account. If this is not resolved, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) Fraud Division. '' XXXX. The CFPB Complaint ( The " XXXX XXXX XXXX ) If Chime doesn't fix it, you go to the people who scare banks. 
Website : consumerfinance.gov/complaint What to say : " Chime took my protected XXXX check to pay for a fraudulent balance. This is a violation of the Social Security Act and Regulation E. They are refusing to return my survival funds even though I am a XXXX adult

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: U.S. BANCORP
State: AL

Complaint narrative:
b'Dear Consumer Financial Protection Bureau, CFPB:\n\nThe following answers each questionnaire referencing each Valid Dispute Claim.  Please be aware: some merchants cooperative and others uncooperative. Each merchant repaid amounts, in-store, with different form of payment, and no products nor services received at time of repayment.  THIS ANSWER IS FOR EVERY DISPUTE. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL.  REPAYMENT TO:\n\n(1.)\tPERMANENT PROVISIONAL CREDITS, WHICH ARE FINAL: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank put a garnishment hold on my account on XX/XX/XXXX. They seized every XXXX from each of my accounts and placed a negative balance on each account I hold with the institution. Four of the accounts are joint accounts with my children who are not debtors to the company that placed the garnishment so they should not have touched my childrens accounts. They are also required by MD state law to leave {$500.00} in available funds in the account. 

I am not disputing the debt. The garnishment itself is a legitimate judgement for a debt that I owe for unpaid HOA fees. However, judgement was issued in XXXX of XXXX. The creditor filed the garnishment in XXXX and Capital One confirms they received the documents and entered them in the system on XX/XX/XXXX. They reported to the debt collection agency that there were no funds to garnish, and no action was taken at that time. The garnishment was supposed to expire after 90 days, which would be XX/XX/XXXX. After escalating to upper management I was informed that their garnishment/levy department updated the accounts on XX/XX/XXXX. I never received any documentation from Capital One that garnishment was happening, or that I had an opportunity to dispute the garnishment. The debt collector has confirmed they are not collecting on the debt at this time and the garnishment should have been released prior to XX/XX/XXXX. I dont have any money to pay my bills and I have a disconnect notice that was to be paid on XX/XX/XXXX. Now I dont have the funds to pay that disconnect to prevent service interruption. I dont have money for food. I dont have money for gas to get to work. I dont have a timeline for when the hold will be released and funds will be available. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Im still waiting for Chase to provide me with copies of all documents used to deny my claim. I have left numerous voicemails for XXXX from Chases executive office who assigned my claim with Case # : XXXX but she has not returned my calls. They said that they were still working on my claim for {$6500.00} but I have yet to receive an update or a decision letter. Now theyre emailing me asking me to make a payment because apparently my account is- {$50.00} somehow. If my money is not sent via check soon or deposited into my other bank account I will be moving forward with filing a civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I formally dispute the companys assertion that XXXX XXXX and XXXX XXXX are the same legal individual. 

XXXX XXXX is my father. We are separate individuals with separate legal identities. I have never entered into a contract under the name XXXX XXXX, nor have I authorized the use of my identity as an alias for him. 

The presence of XXXX XXXX as an AKA on my credit report is inaccurate and constitutes a mixed credit file. Any account executed under my fathers name can not legally be attributed to me. 

I am requesting immediate correction of my credit file to remove the incorrect AKA and deletion of any account associated with that name from my consumer report, as required under the Fair Credit Reporting Acts maximum possible accuracy standard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX XXXX XXXX, I was the victim of a scam that resulted in a {$500.00} payment being sent from my Cash App balance to another Cash App user whom I did not know. I was not purchasing any goods or services and had no legitimate reason to send money to this individual.

The payment was induced through fraud and deception. After discovering the scam, I reported the transaction to Cash App and filed an official police report with the XXXX  Police Department in XXXX XXXX  after Cash App denied my reimbursement request.

I also informed Cash App that I was incarcerated at the time of the transaction and therefore could not have authorized or initiated the payment. Despite this information and the police report, Cash App ( Block , Inc. ) has refused to reimburse the {$500.00}, conduct a meaningful fraud investigation, or provide a clear written explanation for its denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a federally declared disaster survivor in XXXX  following XXXX XXXX ( XXXX XXXX ). XXXX XXXX XXXX is reporting and attempting to collect a debt that is not mine. I have never entered into any contract with XXXX and do not acknowledge any obligation to them. 

I formally disputed this account and requested full debt validation, including the original contract or application, a complete itemization of the alleged balance, and documentation showing lawful assignment or ownership by XXXX. XXXX did not provide the requested information and continues to report this account. 

This negative reporting is occurring during my active disaster recovery and is directly preventing access to housing, financial assistance, and stability for my household, which includes a minor child with a documented XXXX. 

XXXX 's continued reporting and collection without verification violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ). I am requesting immediate deletion of this account from all consumer reporting agencies, cessation of all collection activity, and written confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited my payroll check of {$630.00} into my us bank account they gave me {$270.00} and said the rest of the funds would be released on 24 hrs tge next day a hold was placed on my account until XXXX XXXX XXXX I called us several times finally a agent told ne to go to the local branch and speak to them meanwhile on XXXX XXXX XXXX  a deposit of {$350.00} was posted to my account I never saw that had access to that deposit cause the hold on my funds on XXXX XXXX XXXX I went to my local bank and talked to the manager she said she would email us bank hand tell them it was a payroll check to released the funds she said my funds were released all that was left from my {$630.00} deposit was {$190.00} I called fraud for us bank they disputed the charge on my debit card said they couldn't do anything about the {$350.00} deposit

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 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XX/XX/XXXX Called to Verify XXXX  Amounts. 

XX/XX/XXXX Debt amount not explained or verified. 

XX/XX/XXXX Never received any information on Debt Amounts. Completely Fabricated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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