vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 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: TX

Complaint narrative:
I am a healthcare worker at a medical center and a patient stole my credit card, debit card, and driver 's license from my personal belongings. All occurred Wednesday, XX/XX/2026. Includes XXXX Fraudulent charges to my credit card at the following times : XXXX. XXXX XXXX XXXX : {$40.00} at XXXX pm XXXX. XXXX XXXX # XXXX : {$9.00} at XXXX pm XXXX. XXXX XXXX XXXX XXXX : {$200.00} at XXXX pm XXXX. XXXX # XXXX : {$140.00} at XXXX pm XXXX. XXXX XXXX : {$93.00} at XXXX pm XXXX. XXXX XXXX : {$19.00} at XXXX pm XXXX : The person also tried to charge my debit card but I denied the charge. The aforementioned credit card charges were made after the debit card charges were denied. When I realized my credit card was being used and stolen from my belongings, I immediately locked the credit card and ordered a new credit card and debit card be sent to me ( evening of XXXX XXXX ). I took immediate action with my bank and the bank also informed me that the XXXX locked cards had been attempted to be swiped and denied ( proof that it wasn't me using the card because why would i try to use either card after locking it myself ). All charges on XX/XX/XXXX were from the thief as I did not swipe either my credit card or debit card at all on that day. Notes : None of the charges are characteristic for amounts or places that I have spent money on in the past except for the XXXX food places. All of these exact stores are within a XXXX mile radius of the medical center that I work at, which lends to the belief that the thief simply went and swiped my stolen credit card after leaving their appointment. My actions : I filed a police report with the medical center the next day on XX/XX/2026. The case number is # XXXX at the XXXX XXXX VA XXXX XXXX. Bank of America XXXX : On XX/XX/XXXX, the bank issues me temporary credit back to my credit card for the fraudulent charges while they investigated the incident. The claim was denied on XX/XX/2026 because the investigation apparently yielded no reason to believe that fraud has been committed. This is false. The total of the fraud charges is around {$500.00}.

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 2026-03-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
CFPB Complaint Draft Company Name : Ability Recovery Services XXXX University XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX Collection-University of XXXX Issue XXXX XXXX XXXX XXXX a discharged/voided debt. Complaint Narrative : I am filing this complaint against Ability Recovery Services LLC for repeatedly attempting to collect for XXXX University, a debt as of XX/XX/year> that has been legally XXXX. In addition, The XXXX Department of Education continues to attempt to collect this debt that has been XXXX legally. The underlying debt originated from my attendance at XXXX University XXXX XXXX XXXX XXXX University ]. This institution was a named school in the landmark class-action settlement XXXX v. XXXX ( XXXX XXXX v. XXXX, XXXX XXXX. XXXX ). Under the terms of this settlement, my federal student loans were ordered to be XXXX, and I received official evidence of the removal of other student loans associated with the settlement, which has already been removed from my credit report from the XXXX Department of Education on [ XX/XX/year> ], confirming that this debt is no longer owed. Despite this court-ordered discharge, Ability Recovery Services LLC and XXXX XXXX Department of Education XXXX XXXX report to XXXX XXXX XXXX XXXX XXXX XXXX entities to demand payment. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : XXXX U.S.C. XXXX : Prohibiting the false representation of the character, amount, or legal status of any debt. XXXX XXXX. XXXX : Prohibiting unfair or unconscionable means to collect a debt that is not legally owed.

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 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
FIRST PLEASE CORRECT MY LAST NAME BY REMOVING THE XXXX THAT I ACCIDENTALY TYPED ON NAME. XXXX IS MY LAST NAME. on XX/XX/year>, I initiated a wire from my XXXX XXXX Account to my personal bank account with Chase in the amount of XXXX. A few days later, when the deposit had not arrived in my account, I realized that ONE digit was incorrect in the recipient account number, however, the recipient 's name was correct. Instead of automatically sending the wire back when the name and account numbers didn't match Chase deposited the wire in the account with the incorrect account number. Since XX/XX/XXXX I have requested through XXXX that this wire be recalled. They have done so twice. I have documentation verifying XXXX has requested the recall twice which I have submitted to Chase and Chase continues to claim that they do not have any recall requests from XXXX. Chase continues to state that the recall has to be initiated by the originating bank ( which has been done twice, and copies of the recall has been submitted to Chase via email and their secure message system ). Chase continues to say this has to be done through the official channels. The issue is that Chase is not receiving the requests through the official channels or at least they claim they don't. Thus, for XXXX to continue sending requests that way is meaningless as Chase will continue to claim they have not received such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am filing a complaint regarding a credit card billing dispute that was improperly closed. The disputed charge is {$170.00} from XXXX dated XX/XX/year>. This transaction qualifies as goods not received, and the prior determination appears to rely on incomplete or misinterpreted information. The timeline is as follows : XX/XX/year> : Order placed XX/XX/year> : Order canceled prior to fulfillment XX/XX/year> : Package was delivered but refused and returned to sender The product was never accepted, opened, or retained. I did not receive or benefit from the goods in any way. While the merchant may claim delivery occurred, delivery alone does not constitute completion of a transaction when the goods are explicitly refused and returned. A refused shipment is not considered accepted merchandise. Additionally, the merchant offered a partial credit of {$79.00}, which contradicts their position that the full charge is valid and non-refundable. Citi closed the dispute stating the merchant is unwilling to issue a credit, rather than determining whether the charge itself is valid under billing error standards. This is not a merchant policy issue it is a billing error for goods not received. All statements above are supported by documentation, including evidence of the returned shipment. I am requesting a full reinvestigation of this dispute and appropriate credit to my account. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My son has a teen Venmo account and we disputed XXXX transactions. All XXXX disputes were denied. XXXX of the transactions appear to have occurred in New Jersey. He was home on a XXXX XXXX when these transactions occurred when they were pending I contacted Venmo via their customer service chat and let them know he was home with me and we were discussing the situation. XXXX of them were at target and XXXX was at a XXXX gas station. Venmo advise me I could not dispute these XXXX transactions until they went through so I contacted them again when they went through. I explained that he was on a XXXX XXXX and he has not been in New Jersey at all. They never asked for follow up information and they simply denied the disputes. He could not even get to New Jersey from where he attends college in New York XXXX. In addition if you look at his Venmo accounts, you see there is a charge for the XXXX a XXXX XXXX railroad because he came home to XXXX XXXX before those charges in XXXX New Jersey. Those transactions on XX/XX/XXXX in New Jersey are clearly impossible and yet Venmo has been impossible to deal with the other charge that we disputed was for grandpa 's pizza. The confusing thing about this charge is that we never received the email that the charge dispute was denied. I asked for it to be emailed to me and they said that it was XXXX times I get every other email from Venmo except this XXXX specifically I asked if someone can call me. I asked if someone can mail me and they said no but a customer service person would email me about it. It's just odd that this is the XXXX case that is not getting through to my email. It is not in my spam. It is not in my junk mail and I am receiving every other email from Venmo. We are just asking for clarification on what was purchased and the exact location of grandpa 's pizza because this is not a purchase that is recalled or that we agree with although we are not making as big of a deal with it as the other XXXX because we understand, we can not go against the big corporation like Venmo as we are just consumers however, the ones in New Jersey are absolutely ridiculous. I strongly urge people to no longer use debit and is not safe and the consumers have no protection we will no longer be using debit cards. I was warned about this and I feel foolish, and I also feel sad that the earnings my son made from his bus boy job or just gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
To Whom It Concern : i am sending this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification " or poof of my mailing address, but request for VALIDATION made pursuant to the above named Title and section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. please provide me with the following : what the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; provide me with copies of any papers that show I agreed to pay what you say I owe ; proved a verification or copy of any judgment if applicable identify the original creditor ; prove the statue limitation has not expired on this account ; show me that you are licensed to collect in my state ; and provide me with your license number and registered agent. if your office have reported invalid information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the fair Credit Reporting act violation of the fair debt Collection Practices Act Defamation of Character

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 2026-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
This loan was denied credit for the home improvement loan on XX/XX/XXXX by XXXX XXXX Bank. The loan was sold to Goldman XXXX as a valid debt on XX/XX/year>2025. According to the law the Holder Rule makes Goldman Sachs Bank responsible for the full amount of the alleged debt associated with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
am filing a complaint regarding inaccurate credit reporting on a paid collection account. I paid the account with Caine & Weiner in full, and on XX/XX/year>2026, I was provided written confirmation that the account would be deleted from my credit reports. Despite this agreement, the account continues to be reported, which is inaccurate and misleading. I have already attempted to resolve this directly with the company, and they confirmed that a deletion request was submitted to the credit bureaus. However, no correction has been made. This continued reporting is negatively impacting my credit profile despite the account being resolved. I am requesting that this account be removed immediately from all credit reporting agencies in accordance with the written agreement. Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : Urgent Petition for Emergency Fund Release due to Medical Emergency and Bad Faith Practices- Account : XXXX I am filing this formal complaint against PayPal , Inc. regarding the unjust limitation of my account ( XXXX ) and the indefinite withholding of {$50.00} USD. These funds were transferred to me on XX/XX/year>, by my husband, XXXX XXXX, specifically to cover urgent medical expenses related to my full-term XXXX in XXXX. Statement of Facts : Unjustified Retention : My account has been limited for 180 days without any open disputes, claims, or evidence of fraudulent activity. This is a personal transfer between spouses for humanitarian aid. Deceptive Support Practices : On Monday, I contacted PayPal support via chat. The agent, " XXXX, '' formally committed to scheduling a call with a supervisor to evaluate an exceptional release of funds due to my medical condition. Failure to Comply : It has been 3 days since that commitment, and PayPal has failed to provide the promised callback. Subsequent attempts to resolve this via chat have resulted in evasive and automated responses, constituting a " runaround '' tactic that ignores a documented medical emergency. Humanitarian and Legal Urgency : I am currently in the final stage of XXXX ( full-term ). In the socioeconomic context of XXXX, these {$50.00} USD are critical for immediate clinical costs and delivery supplies. By withholding these funds and failing to provide the promised supervisory review, PayPal is directly obstructing my access to essential healthcare, putting my life and the life of my unborn child at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
To Whom It Concern : i am sending this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification " or poof of my mailing address, but request for VALIDATION made pursuant to the above named Title and section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. please provide me with the following : what the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; provide me with copies of any papers that show I agreed to pay what you say I owe ; proved a verification or copy of any judgment if applicable identify the original creditor ; prove the statue limitation has not expired on this account ; show me that you are licensed to collect in my state ; and provide me with your license number and registered agent. if your office have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the fair Credit Reporting act violation of the fair debt Collection Practices Act Defamation of Character

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 2026-03-22 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: UT

Complaint narrative:
" I filed a dispute for unauthorized transactions on my prepaid card ( Case XXXX ) for {$49.00}. On XX/XX/year>, the company notified me that I WON the dispute and a replacement card would be sent to my address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX. It has been over 40 days and I have NOT received the card. I have contacted them multiple times via email and their online portal, but they do not respond. They are withholding my funds even after officially resolving the case in my favor. I am requesting an immediate reshipment of the card with a tracking number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
In XXXX, I filed for divorce from my wife. According to our divorce decree, my ex wife, XXXX XXXX XXXX ( XX/XX/XXXX ), was responsible for all bills in the household and she would continue to pay up until I left the home. She refused to pay the utility bill and it has now come to my credit as a collection. Please see the attached divorce decree and when I signed the quit claim deed. XXXX was to put all utilities in her name. I have provided this information to XXXX and they will not respond to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was made aware that someone other than myself opened credit cards in my name on or around XX/XX/year>. Midland Credit Management XXXX XXXX, said a credit card in my name opened up XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX and a balance of {$5800.00} was now due. I sent letters and talked to Midland Credit Management XXXX XXXX, customer services on many occasions and now they have sent it to the courts to file a junction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. This is FRAUD and I have file a XXXX XXXX XXXX Police Report for Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a debt being reported on my credit related to an apartment account that I currently reside in. I have received a lease renewal offer from the XXXX XXXX XXXX, and management has confirmed that there is no outstanding balance on my account. Despite this, a debt ( {$1100.00} ) continues to be reported by a third-party collector. I have made multiple attempts to verify and resolve this issue since its negatively impacting my credit. XXXX XXXX XXXX XXXX has stated they have no record of any debt owed under my account. It has also been difficult to obtain documentation or clarity from the reporting party regarding the origin and validity of this debt. At this point, the debt can not be properly validated, and the original creditor can not confirm that it is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
b'Ive received several emails from USBank referencing a checking account. I do not have a checking account with USBank. I called the fraud department XXXX XXXX XXXX and I was told the only way to verify my account is to provide my complete social security number. Clearly I am no going to verify that information. I was told to go in person to a US Bank location, however, there are NO locations in XXXX XXXX. The fraud dept told me nothing more can be done without my complete social so the account will remain open. I have no idea exactly what products and or services may have been requested under my name and ID as the agent refused to use any other identifier except my social security number.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C.
State: CT

Complaint narrative:
This company is threatening to have my license suspended. The information on the report indicates that someone who was driving my car was driving with a suspended license and no insurance, which is incorrect. They had a license and the car was fully insured. The driver was not on my insurance and got into a fender bender. Theyre informing me that they need me to pay {$11000.00} worth of damage on an old vehicle they had pre-existing damage or they would report me to the XXXX and have my license suspended. My insurance rejected the claim because the person driving was not on my insurance. This seems like an attempt at a collection. I live in Connecticut and this seems like a scam why would my license get suspended if I wasnt driving the vehicle? The information on the paper is indicating that there was no insurance and that the license was suspended, which is both in accurate.

Company response to consumer: Closed with explanation