vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Subject : Unauthorized Electronic Fund Transfer Platform Negligence & Medical Hardship 1. Incident Overview On XX/XX/XXXX, I was targeted by a sophisticated impersonation attack. Individuals posing as Robinhood Support used a spoofed email address ( XXXX ) and held me under fraudulent duress during a XXXX phone call. During this call, I was " coached '' through security screens by perpetrators I believed were authorized Robinhood agents. Consequently, XXXX XXXX ( {$8400.00} ) was removed from my custodial account. 2. Failure of Automated Security Safeguards The theft was enabled by a critical technical failure of the Robinhood platform. At XXXX XXXX XXXX, XXXX internal security system correctly flagged a " High-Risk Login Alert '' from an unrecognized device. Despite identifying this risk in real-time, the platform failed to enforce a XXXX security hold on withdrawalsan industry-standard protection. This technical gap allowed the unauthorized transfer to proceed while the perpetrators were still on the phone with me. 3. Professional Negligence of Support Staff I contacted Robinhood Support immediately while the crime was in progress. Instead of utilizing an emergency account " Kill Switch '' or freezing the transfer, the support agent provided negligent instructions to " wait XXXX business days '' for an email follow-up. This delay directly allowed the unauthorized transfer to finalize irreversibly. 4. Legal Basis & Regulatory Precedent Regulation E ( 12 CFR 1005.11 ) : This constitutes an " unauthorized transfer '' because my credentials and " consent '' were obtained through fraudulent inducement by an impersonator. CA DOJ Settlement ( $ XXXX ) : I request review in light of Robinhood XXXX XX/XX/XXXX settlement regarding misleading withdrawal and security practices. Medical Hardship : These funds were allocated for essential family medical treatment. Per 10 CCR 1620.08, I am requesting an expedited investigation due to immediate medical necessity. 5. Active Investigations & Evidence CA DFPI Case : XXXX FBI XXXX ID : XXXX SDPD Case : XXXX Evidence Available : XXXX audio recording of the incident, spoofed email logs, and the XXXX XXXX Technical Login Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Transactions were not authorized by me were denied. And XXXX other transactions which were atm transactions they wouldnt let me file a dispute on. The transactions dates are XX/XX/year> ( ATM withdrawal of {$500.00} ), XX/XX/year> ( XXXX ) {$100.00}, XX/XX/year> ( XXXX ) {$100.00}, XX/XX/year> ( ATM withdrawal of {$160.00} ), XX/XX/year> ( ATM Withdrawal of {$420.00} ). None of these transactions were done by me. I explained to you guys my phone and wallet was stolen at a bar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: TN

Complaint narrative:
I am disputing the balance of a collection account reported by Fairway Capital Recovery. The amount being reported ( ~ {$2700.00} ) does not reflect the underlying debt. Documentation provided by the original creditor shows a balance of approximately {$1900.00}, with the higher amount attributed to a collection fee applied after referral to collections. However, no documentation has been provided showing how this additional amount was calculated, whether it is reasonable, or how it is authorized beyond a general reference to the lease. No itemized breakdown, invoice, percentage, or calculation supporting the additional charges has been provided. Additionally, a substantial portion of the balance relates to a carpet replacement charge described as damage to the bottom of the carpet, yet no documentation has been provided supporting the necessity of replacement. No inspection report, photographs, or other supporting evidence has been provided to substantiate the claimed damage beyond normal wear or to justify full replacement, including any consideration of depreciation. The documentation also reflects additional charges, including late fees and other amounts applied to the account. To the extent these charges were applied to disputed or unsupported underlying amounts, no documentation has been provided showing that these subsequent charges were properly calculated or valid. Despite prior dispute, the account continues to be reported at an inflated amount that has not been substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of a disputed credit card charge in the amount of {$1400.00} from a merchant identified as XXXX. This dispute was incorrectly evaluated and denied based solely on the merchants cancellation policy. This is not a standard cancellation dispute. This transaction involves misrepresentation at the time of sale and services not rendered. On XX/XX/XXXX, I spoke with a representative named XXXX regarding moving services scheduled for XXXX. I was explicitly told that if I canceled prior to XX/XX/XXXX, I would receive a full refund to my original form of payment. This was a key condition of my agreement to pay the deposit. Based on that representation, I paid {$1400.00} in good faith. On XX/XX/XXXX, well within the promised refund timeframe, I attempted to cancel. I made multiple phone calls, left several voicemails, and sent emails requesting cancellation and a full refund. The company did not respond. I later received instructions requiring me to agree that I was outside the cancellation policy and that my deposit was non-refundable in order to cancel. This directly contradicts what I was told at the time of sale. I refused to agree to those terms. No services have been provided, and the merchant is unresponsive. Bank of America denied my dispute based only on the merchants policy, without considering that the terms were misrepresented at the time of sale and that no services were rendered. I am requesting that Bank of America XXXX and properly investigate this dispute as misrepresentation and services not rendered, and reverse the charge. I believe this may be part of a pattern of deceptive practices based on similar complaints I have found.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax Investigation Case # : Confirmation # XXXX from my report To the Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax for failing to conduct a reasonable reinvestigation and for maintaining patently inaccurate information on my credit file. Despite my previous dispute, Equifax " verified '' accounts that contain clear factual errors and legal violations. I am currently on government assistance and experiencing extreme financial hardship. Under the intent of 15 U.S.C. 1601, the continued reporting of this inaccurate data is causing me undue harm. SPECIFIC VIOLATIONS & ERRORS : XXXX XXXX XXXX ( Acct # : XXXX ) : Equifax is reporting an " Opened '' date of XX/XX/year>. However, I have a letter from XXXX ( attached as Exhibit A ) stating the account was opened on XX/XX/year>. This 10-month discrepancy proves that Equifax did not perform a " reasonable reinvestigation '' as required by 15 U.S.C. 1681i. XXXX XXXX ( Acct # : XXXX ) : This account is explicitly marked as " Sold To : XXXX XXXX XXXX XXXX ''. Under the FCRA, a sold account must reflect a {$0.00} balance. Equifax continues to report a past-due balance on an account they acknowledge has been transferred, which is a violation of the accuracy requirement. FAILURE TO PROVIDE METHOD OF VERIFICATION : Under 15 U.S.C. 1681i ( a ) ( 7 ), I previously demanded the " Method of Verification '' ( MOV ) for these items. Equifax failed to provide the name, address, and telephone number of the persons contacted, rendering their verification legally insufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I am filing this formal complaint against Nissan Motor Acceptance Company ( XXXX ) for their persistent failure to correct a blatant billing error and for ignoring my multiple attempts to resolve this issue. XXXX. The Evidence : I leased a XXXX XXXX LEAF ( VIN : XXXX ) and returned it to XXXX of XXXX on XX/XX/XXXX. At the time of return, I received an official " Vehicle Return Receipt and Odometer Statement '' ( Account # XXXX ). This document, signed by the dealership representative XXXX XXXX, explicitly marks " XXXX XXXX XXXX : Yes '' ( see attached ). This is conclusive proof that the charger was returned with the vehicle. XXXX. Failure to Assist and Negligence : Despite this clear evidence, XXXX continues to charge me {$650.00} for the cable and is reporting this as a delinquent debt on my credit report. I have exhausted all efforts to resolve this : Phone Calls : I have called XXXX multiple times. Most calls were disconnected or ignored. When I did reach someone, they promised to " look into it, '' but no action was ever taken. In-Person Visit : I personally went to XXXX of XXXX ( XXXX I returned the car ) to ask for help, but the staff there refused to assist me or correct the record. Email Communication : I have sent emails documenting the situation, but I have received XXXX helpful responses. I am being ignored while my XXXX XXXX is being unfairly damaged. XXXX. Request for Action : XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by failing to report accurate information and failing to conduct a reasonable investigation after I provided proof. I demand that XXXX : Immediately waive the {$650.00} erroneous charge. Update my credit report with all bureaus XXXX XXXX XXXX XXXX XXXX to reflect a XXXX balance for this item. Provide a formal letter confirming the account is paid in full and the error has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Complaint Against : CREDIT COLLECTION SERVIC Original Creditor : PROGRESSIVE Account Number : XXXX I am filing a formal complaint regarding inaccurate and non-compliant credit reporting by CREDIT COLLECTION SERVIC concerning the above-referenced account. This account is currently being reported as a collection with a balance of {$880.00}, and it is allegedly scheduled to remain on my credit report until XX/XX/year>. However, the information being reported is inconsistent, incomplete, and in violation of the Fair Credit Reporting ( SEE BELOW )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Loss of job XX/XX/year>. XXXX XXXX, aka XXXX XXXX XXXX has been made aware of the ongoing issue with the State of XXXXXXXX XXXX and the circumstances surrounding my separation from the employer. Photographic evidence was presented by fax to both CC Company and the State of XXXX showing evidence of my innocence, and CC Company insists that the State of XXXX must change its appeal before it can grant benefits. The CC Company is ignoring evidence of employer wrongdoing uploaded to them and stalling on benefits. State of XXXX XXXX in the appeal process with the same evidence. CC Company knows this and has already made a pre-determined decision to deny benefits per the paper they requested from the State of XXXX. CC Company violates the Fair Credit Billing Act ( FCBA ). CC has repeatedly contacted me to inform me that my evidence is not good enough until the State of XXXX clears me of any wrongdoing. My credit is taking a direct hit, and the CC Company is claiming no accountability, claiming each department is compartmentalized, so no accountability. All supervisors are employed outside the Country. CC Company has taken it upon themselves to act as Judge, jury and executioner despite being provide with evidence showing my innocence and refuses to contact Credit reporting agencies claiming are following Law. They are using information from the STATE of XXXX to make their determination despite the evidence provides in contradiction to the previous State ruling. Evidence attached shows the Employer attempting to replace the defective machines before the State of XXXX XXXX appeal is complete, the same equipment that the CC holder was separated for. This evidence clearly shows wrongful separation due to faulty equipment and how the Employer lied about the old machine being in good working condition. The CC Company and State of XXXX XXXX received the same information acknowledged and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Although I selected transaction was not authorized to proceed through the complaint system, this is NOT a fraud claim. I am filing a complaint regarding a dispute with Navy Federal Credit Union that has been repeatedly mishandled over the course of approximately six months. I paid over {$200.00} to a phone repair company to fix my device. The phone stopped working again within a few days, meaning the service I paid for was not properly rendered. I attempted to resolve the issue directly with the merchant, but no refund was provided. I then filed a dispute with Navy Federal. Although provisional credits were issued multiple times, the credit has now been reversed for the third time. The banks reasoning is that the transaction was authorized ; however, this is not a fraud claim it is a dispute for services not properly provided. As a consumer, I had no way of knowing at the time of purchase that the repair would fail shortly after. I fulfilled my responsibility by attempting to resolve the issue with the merchant and providing documentation as requested. I am requesting that Navy Federal properly investigate this as a billing dispute and permanently restore the credited funds. This repeated reversal of funds without proper resolution has caused financial stress and reflects poor dispute handling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXX, someone approached me offering free solar panels provided by the government ; they installed them within a week. However, a month later, I received a bill for {$50000.00}. I was told that I would still have to pay for electricity, and they are currently deducting {$300.00} from my account. I was never provided with a contract, and I have been struggling with this issue for XXXX years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: NV

Complaint narrative:
I opened a Hyperwallet account on XX/XX/XXXX, with the intention of receiving payments from XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, my account received a total of XXXX payments from XXXX, amounting to {$7800.00}. However, during the same period, XXXX unauthorized transfers, totaling the same amount of {$7800.00}, were made from my account to a newly added bank account. Due to significant security gaps in Hyperwallet 's system, an unknown hacker gained unauthorized access to my account and changed both my email and password. As a result, I am now unable to access my Hyperwallet account, which has caused further financial and personal loss. On XX/XX/XXXX, I immediately reported these unauthorized transactions to Hyperwallet. Hyperwallet initiated an investigation and froze my account to prevent further unauthorized activity. I was asked to provide a copy of my government-issued photo ID to verify my identity. The investigation report, dated XX/XX/XXXX, acknowledged the unauthorized activity, specifically noting that changes were made to my account, including the addition of a new bank account. Despite Hyperwallet recognizing this unauthorized activity, I have yet to be reimbursed for the lost payments due to the receiving bank 's policies. However, the most urgent matter at hand is that I still have not received my IRS Form 1099 for tax filing purposes, despite multiple requests. This form is essential for my tax obligations, and the delay in receiving it is causing significant inconvenience, especially as the tax filing deadline is rapidly approaching. It is critical that I receive the IRS Form 1099 immediately to avoid any further complications with my tax filing. This complaint is referenced under Consumer Financial Protection Bureau Complaint No : XXXX. I urge you to prioritize the immediate provision of my IRS Form 1099 and reimbursement for the unauthorized transfers. Please understand the urgency of this situation and respond without further delay. I am relying on your swift action to resolve this matter. You can reach me by email at XXXX or by phone at XXXX ( XXXX ) XXXX. I look forward to your immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
In XXXX, XXXX I opened a XXXX account for a device. The device was never delivered, and I did not receive or activate it. I returned to XXXX in XXXX, XXXX and explained the issue ; they told me I had no responsibility and I could open a new account. Over a year later, I was contacted by a collector claiming I owed {$160.00} for the XXXX account. I requested proof of delivery and activation from XXXX and the collector, but none was provided. I dispute this debt and request a full investigation and removal, as I am not responsible for charges for a device I never received.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing in response to your contact regarding an alleged debt. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act. I do not recognize this debt and dispute it in its entirety. Please provide verification of this debt, including documentation that proves I am legally obligated to pay it. Until you provide proper validation, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. If this debt has already been reported, please mark it as disputed immediately. If you are unable to validate this debt, I request that it be removed. Please communicate with me in writing only. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation