vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
My checking account at First Citizens Bank, account # XXXX, was officially closed on XX/XX/year>, and the final balance of {$660.00} was paid to me on XX/XX/year>. After the account was closed, a {$1200.00} debit card dispute was temporarily credited. However, these funds were incorrectly applied to other transactions instead of being refunded to me. As a result, the disputed funds were lost, and the bank now shows that I owe a balance. I called First Citizens Bank on XX/XX/year> to dispute it. At that time, First Citizens Bank 's claims department said my account had been closed and that the temporary credit would be mailed to me when I received the letter disputing the amount of {$1200.00} and the direct deposit to the closed account on XX/XX/year>. I contacted both customer service and the local branch. The bank informed me that the branch must review the closure process, while the branch told me to visit in person. This appears to be an internal processing error, and I should not be required to resolve the bank 's internal mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I reviewed my consumer credit reports from XXXX XXXX XXXX XXXX and found two accounts reported by LVNV Funding LLC in the amounts of {$440.00} and {$1700.00}. I dispute the validity, accuracy, and completeness of these accounts. I have not received any documentation verifying these alleged debts, including a signed original agreement, a full payment history, or proof that LVNV Funding LLC has lawful assignment or ownership of the debt. On XX/XX/year>, a notarized affidavit was executed under 28 U.S.C. 1746 affirming that these accounts are unverified and disputed. A copy of this affidavit is attached to this complaint. Because the debt has not been properly validated, continued reporting or collection activity may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that LVNV Funding LLC cease collection activity and remove any unverifiable or inaccurate information related to these accounts from my credit reports immediately.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am overwhelmed with the stress that this account is causing. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until they provide competent evidence that validates the debt including a signed agreement, full account history, and verification of their authority to collect the company must cease all collection efforts and remove the information from my credit report.

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG TO ME.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
On or about XX/XX/year>, my XXXX XXXX debit card account was flagged for suspicious activity. I contacted XXXX XXXX and was informed that I would temporarily only be able to use my card for in-store purchases and that a replacement card would be issued. I received the replacement card on XX/XX/year> and successfully activated it. At that time, my account appeared to be functioning normally and I was able to access it. On XX/XX/year>, a substantial deposit from the Social Security Administration was posted to my account. Later that same day, without any warning or notification, XXXX XXXX completely locked my account. I am now unable to log into the account online or access my funds in any way. When I call XXXX XXXX customer service, representatives refuse to assist me because they claim they can not verify my identity. They state they can not send a verification code via XXXX or email, which prevents them from proceeding with verification. This explanation does not make sense because my phone number and email address have not changed, and I was able to receive verification codes previously when activating the replacement card. Because of this, I am currently locked out of my account and unable to access funds that were deposited by the Social Security Administration. Additionally, customer service representatives have repeatedly refused to provide assistance and have disconnected calls without resolving the issue..

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: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by Bank of America that is appearing on my credit report inaccurately. The credit card account in question was fully paid and resolved in the year XXXX Despite the fact that the balance was satisfied, the account continues to appear on my credit report in a manner that is negatively affecting my credit profile. I respectfully request that this matter be investigated. Since the account was already paid and resolved several years ago, it should not be reported in a way that suggests an outstanding balance or an active collection account. I am requesting that Bank of America review their records and correct or remove this account from my credit report if it is being reported inaccurately. This incorrect reporting is causing harm to my credit standing, and I would appreciate your assistance in ensuring that my consumer rights are protected and that my credit file reflects accurate information. Thank you for your time and attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX XXXX XXXX Account Name : Bank of America Credit Card Account XXXX : XXXX Year Paid : XX/XX/year>

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On the XXXX of XXXX, I attempted to shop on XXXX and also register as a seller. Not long after, I received an email to verify my account and complete my registration. By the time I completed the process, I realized it was a fraudulent link, and {$400.00} had been debited from my PayPal account. I immediately called Paypal to report a fraudulent transaction and requested that the transaction should be terminated. The customer service agent informed me that the transaction was still on hold, and since I reported it was fraudulent, it would not be allowed to go through, and I would get my money back. The agent also assisted with resetting my account, deactivating the old payment card, and issuing a new card since my account had been compromised. He assured me of getting my money back and stated that I didn't need to do anything else. Just to be sure, I called Paypal customer service again the next day. Once again, I was assured by another customer service agent that the transaction had been put on hold and I would be getting my money back. I asked when, and I was told I would get my money back by XX/XX/XXXX. I reiterated that someone had stolen my personal information to do a transaction on XXXX, and I do not own or operate a XXXX account. Again, I was reassured that the transaction had not been allowed to go through since I reported it as a fraud, and I would get my money back. Several days later, I got an email from XXXX saying they are denying the case due to insufficient evidence to support my claim. I called again and explained the situation. I was told the decision would be appealed. I kept calling and chatting with several Paypal customer service agents. I was told the appeal was denied. They apologized for the miscommunication. Then I called again and requested to speak with a Manager. I was transferred to a supervisor and I asked XXXX basic questions : XXXX. In the course of the investigation, did Paypal consider the frantic calls I made to report that I was a victim of fraud as soon as it happened and requested that the transaction be terminated? XXXX. Did Paypal contact XXXX who is shown on the statement as the Merchant? XXXX. Why was I given assurances on multiple occasions and told that I do not have to do anything, and my money will be returned to my account on the XXXX of XXXX? The supervisor apologized for the miscommunication and told me that appropriate training will be provided to the agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized deduction of XXXX reward points from my Bilt Rewards account. In XXXX, I attempted to book a hotel stay ( XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ). The reservation did not go through successfully, and I never received confirmation of a valid booking. However, XXXX points were deducted from my account. I began contacting XXXX customer service on XX/XX/XXXX and have made multiple follow-ups. Despite my repeated efforts, the issue has not been resolved, and my points have not been restored. I am requesting the immediate restoration of XXXX points to my account. This prolonged delay and lack of resolution is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account was closed after trying to send a XXXX for services and was told i would receive my remaining balance after XXXX days when account is finally closed i had an available balance of $ XXXX dollars and received a check today of only {$50.00} dollars

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I obtained a consumer loan from Dividend Finance ( Fifth Third Bank ). On XX/XX/year> ( and again on XX/XX/year> ), the lender issued a written letter confirming that my loan had been Paid in Full. Based on this representation, I reasonably believed that my loan account had been permanently closed and that no further balance was owed. However, months later, the lender reversed the payoff payment and attempted to treat the loan as unpaid again. During litigation currently pending in a XXXX XXXX XXXX XXXX, the lender produced internal procedure documents showing how payment reversals and refunds are supposed to be handled. Those documents indicate that refund or reversal requests must generally occur within a limited time period shortly after payment processing. Despite these internal procedures, the lender reversed my loan payoff many months after issuing a written Paid-in-Full confirmation. This raises serious concerns that : The lender improperly reversed a completed payoff transaction. The lender issued a payoff confirmation without ensuring the payment was final. The lender attempted to shift the consequences of its internal processing error to the consumer. The documents confirming these procedures were produced in discovery and are currently subject to a court protective order in the pending litigation. Therefore, I am not attaching them to this complaint at this time. However, I am willing to provide these documents to the CFPB if requested, subject to obtaining appropriate permission from the court. As a consumer, I relied on the lenders written representation that the loan was fully satisfied. Reversing the payoff months later is unfair, misleading, and inconsistent with reasonable consumer expectations. I request that the CFPB investigate whether the lenders conduct violates applicable consumer financial protection laws.

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, regarding the " expected transactions '' feature of the credit cards detailed below, please provide : A complete record of all Expected Transactions generated or created according to your disclosed process and parameters, including : - The date each Expected Transaction was generated/created - The merchant 's name and amount - Cards to consider 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 response to consumer: Closed with explanation
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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am reporting an unauthorized electronic debit of {$200.00} taken by XXXX from my Chase account on XX/XX/year>. This was a direct violation of a legal Stay of Execution and a deferred payment agreement that was guaranteed to be held until XX/XX/XXXX. XXXX representative XXXX admitted this was a 'billing and payment error ' but refused to provide a standard XXXX XXXX ID to release the funds immediately. Evidence of Unauthorized Activity : Action Taken : Canceled/voided in XXXX 's system after funds were already seized. Interaction ID : XXXX. Breach of Agreement : XXXX failed to honor the deferred payment date and has now left my funds frozen at my financial institution by refusing to send a manual authorization reversal. I am requesting that the CFPB compel XXXX to rectify this unauthorized seizure and provide proof of the fund release.

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: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for a Chase Sapphire Reserve card on XXXX XXXX. I received an email notifying me that my application was approved. Immediately following that email, I tried to log in to my Chase account, but I the Chase app informed me that my account had been locked for suspicious activity. I called Chase customer support and was told that I would have to wait until XXXX XXXX for a fraud review process to be completed, and then I could get my account unlocked. On XXXX XXXX I called again and Chase unlocked my account. I received my physical card on the same day. On XXXX XXXX my account locked again, with the same message about suspicious activity. I called Chase again, and was told I would have to wait another 48 business hours for another fraud review. The credit card itself continued to work for purchases, but I was unable to access my online banking to manage payments, view balances, track rewards points, etc. After another review period, I called Chase and got the account unlocked. However, upon logging in again, the account immediately locked for a third time. This pattern has now continued six times. No one at Chase in the Fraud department, the XXXX XXXX department, the Online Technical Support department, or any supervisors have been able to offer a solution to this problem. Every time I call I am told that my account has been flagged for suspicious activity and I will need to go through a 48 business hour fraud review. Speaking to supervisors does not appear to help the situation. They apologize for the inconvenience but they cant fix my account. At this point my patience has run out. I need access to my online banking. It has been nearly 3 weeks with virtually no access. The nearest physical Chase branch is nearly 90 minutes away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Regarding : Harris and Harris {$260.00} Debt I am filing this complaint because Harris and Harris is reporting a {$260.00} debt on my credit report in violation of the FDCPA and FCRA. This agency has failed to provide any legal basis for this collection. Specific Violations : Failure to Validate : The agency never provided a written Validation Notice within five days of initial contact as required by 15 U.S. Code 1692g. Lack of Documentation : No account number, or date of delinquency was provided to prove I owe this debt. Reporting Unverified Data : They are reporting inaccurate, unverified information to the credit bureaus, negatively impacting my credit score without providing a " reasonable investigation '' under the FCRA. Failure to Respond : I have received no response or proof of debt, yet the derogatory mark remains on my profile. Requested Resolution : I request that the CFPB compel this company to delete the {$260.00} entry from all credit bureaus and cease all collection activities immediately due to their failure to validate the debt.

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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>, I was out at a bar in XXXX, PA. While out, my phone was stolen, which contained my mobile wallet. When I woke up the next morning, I noticed my phone was gone and used my computer to locate my phone. On the morning of XX/XX/year>, find my XXXX showed that my phone was now in XXXX XXXX XXXX. I have not traveled to XXXX XXXX XXXX at all recently. Upon discovery this, I put my XXXX into lost mode to lock my XXXX and all cards associated with my digital wallet. Additionally, my parent contacted XXXX XXXX XXXX program to get my a new XXXX through XXXX. This phone was delivered on the late evening of XX/XX/year>. At this time I was able to access my chase account and noticed the charges associated with the theft of my phone/mobile wallet. I contacted Chase Bank to inform them that my phone was stolen and that my digital wallet was used to make these purchases. The purchase was though XXXX for the amount of {$2400.00} on XX/XX/year>. I did not authorize or make this purchase. I filed a police report of the stolen phone and unauthorized purchases with the XXXX police department on XX/XX/year>. The XXXX # is XXXX. On XX/XX/year>, Chase Bank denied my claim. I called to find out the reasoning, and was informed that it was a valid purchase because it was made with my digital wallet on my XXXX. I was confused, as I initially reported that my XXXX, containing my digital wallet was stolen. I appealed and provided the following documentation : Initial police report form, claim receipt of new XXXX from XXXX dated for XX/XX/year>, and proof from XXXX that I locked my mobile wallet and marked my XXXX as lost on the morning of XX/XX/year> at XXXX XXXX. On XX/XX/year>, Chase Bank informed me that they reviewed the additional documentation and determined I am still responsible for the unauthorized purchase. I have been a customer of Chase Bank for multiple years and have regularly paid my bill on time. I did not authorize this purchase and feel that Chase Bank has not seriously looked into the information provided to gather all of the facts.

Company response to consumer: Closed with 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: Property Receivables, Corp
State: CA

Complaint narrative:
On XXXX it shows Account name PROPERTYRECE Original creditor doesn't show on XXXX report current Balance {$110000.00} updated XX/XX/XXXX, original Balance {$100000.00}. On XXXX it shows account name PROPERTY RECEIVABLES CORP Original creditor XXXX XXXX current Balance {$110000.00} original Balance {$100000.00}. On XXXX it shows Account name COLLECTTECH. All reports shows Date open for collections XX/XX/XXXX but collections didn't start until XXXX XXXX.I have sent dispute letters and it hasn't been deleted and removed from my credit report. duplicate collection account entries appearing on my credit report and inaccurate Information on Credit Report. This information is inaccurate and is negatively affecting my credit profile These entries are duplicative and inaccurately inflate my outstanding debt.. Under the Fair Credit Reporting Act ( FCRA ), requires that all information reported be accurate and not misleading. Reporting the same debt multiple times is misleading and harmful to my credit profile.I am requesting that you remove this from my credit report please. Please provide written confirmation of the results and confirmation of deletion once the its complete

Company response to consumer: Closed with explanation