vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, my husband was involved in a car accident involving XXXX vehicles while driving without insurance. We reached a formal agreement with XXXX through the collection agency, XXXX XXXX XXXX. We fully paid off and settled the debt for the first vehicle in a lump sum. However, XXXX XXXX XXXX failed to notify the Illinois XXXX of XXXX ( XXXX ) and never sent us the official " Paid in Full '' / Release Letter. Because they did not report our compliance, my husbands driver 's license was suspended on XX/XX/XXXX. Regarding the second vehicle involved in the accident, we have an active and compliant payment plan in place. On XX/XX/XXXX, my husband called XXXX XXXX XXXX to urgently request the Release Letter to lift his license suspension. Since he does not speak XXXX, he repeatedly requested a Spanish-speaking agent. He had to call continuously all morning due to dropped transfers and extreme delays. I am attaching screenshots of our phone call logs as evidence, showing the exact times and dates these calls were made. During one of these attempts, an agent named XXXX answered and spoke to my husband in a highly aggressive, agitated, and shouting tone because of the language barrier. When I ( his wife ) called back to address why the agent had raised his voice to my husband, XXXX answered again. He immediately became extremely hostile and aggressive with me as well. When I asked for his name, he only said " XXXX ''. I hung up to avoid further verbal abuse. Immediately after, XXXX used our caller ID to call my personal phone back. He aggressively demanded to know why I hung up, shouting that he " just wanted to help. '' I told him his tone was completely unacceptable and requested to speak with a supervisor. He responded mockingly and dismissively, saying he " didn't care '' and that he could transfer me himself, while continuing to yell. I told him I refused to speak with him any longer and hung up. Following this highly distressing and abusive interaction, my husband was finally able to get through to a very kind, professional Spanish-speaking representative. This agent confirmed they would send us the required XXXX XXXX ; however, we are still waiting to receive it, and our urgency remains due to the active license suspension.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent / XXXX XXXX Account Information : Account Name : RESURGENT/LVNV FUNDING Account Number : XXXX Account Type : Debt Buyer / Collection Account Reported Balance : {$1100.00} Date Opened : XX/XX/2023 Complaint Description : To the Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Resurgent / LVNV Funding regarding an unverified and potentially inaccurate collection account currently reporting on my consumer credit profile. According to the Fair Credit Reporting Act ( FCRA ), I have the right to demand that all information on my credit report be 100 % accurate, complete, and verifiable. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), third-party debt buyers must be able to provide competent legal evidence of their standing to collect and report a debt. Resurgent/LVNV Funding has placed a collection account ( Account # XXXX ) on my credit file for the amount of {$1100.00}. I am disputing the validity and accuracy of this account. I have not been provided with sufficient original documentation establishing a contractual obligation between myself and LVNV Funding, nor have I received a full accounting of how this specific balance of {$1100.00} was calculated. Debt buyers frequently purchase accounts in portfolios that lack the underlying consumer agreements necessary to prove the debt is valid and accurate. The FCRA requires that if an information furnisher can not verify the accuracy of the reported data during a reasonable investigation, the item must be promptly deleted from the consumer 's credit file. I am requesting that the CFPB intervene and compel Resurgent / LVNV Funding to do XXXX of the following : Provide Strict Proof of Verification : Produce the original signed contract bearing my signature, a complete ledger demonstrating how the {$1100.00} balance was tabulated, and a clear chain of title/bill of sale showing that LVNV Funding has XXXX legal right to collect and report this specific account. Immediate Deletion : If Resurgent / LVNV Funding can not produce this legally required documentation within the XXXX investigatory period required by law, I demand the immediate and permanent removal of this trade line from my XXXX XXXX XXXX XXXX credit reports. If this company finds that the reported information is inaccurate or unverified, they are legally required to notify all three major credit bureaus to correct my file immediately. Thank you for your time and assistance in protecting my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. American Express is reporting a second charged-off account ( prefix XXXX, balance ~ {$4900.00} ). This is a separate complaint from my other American Express complaint. VIOLATION 1 IMPOSSIBLE ACCOUNT TERM ( 15 U.S.C. 1681e ( b ) ) : XXXX reports the loan 'Term ' for this American Express account as " 1 Month. ' A revolving credit card account can not have a repayment term of 1 month. This is fabricated data that Am erican Express has failed to correct. VIOLATION 2 POSSIBLE DUPLICATE REPORTING : This account shares the same account prefix ( XXXX ) as the larger American Express account in my other complaint. These may represent duplicate reporting of the same underlying debt. Double-reporting of the same debt is a serious violation of XXXX ( b ). VIOLATION 3 MISSING CLOSED DATE AND INCONSISTENT DATA : No closed date on XXXX XXXX XXXX. Balance reported differently across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
For well over 90 days, I have repeatedly requested proper validation of this alleged debt from CDR Genesis and have yet to receive it. Most importantly, I never received the required initial notice regarding this alleged debt or my right to dispute it. If CDR Genesis claims notice was sent, I am requesting proof of mailing and a copy of the alleged notice. I repeatedly requested d ocumentation supporting this account, including proof that the debt belongs to me, proof of the balance, proof of assignment, proof of ownership, account statements, payment history, and documentation showing CDR Genesis ' authority to collect and report this account. To date, none of that documentation has been provided. Instead, CDR Genesis continues reporting the account while refusing to provide the documents necessary to support the reporting. The account is currently reporting a {$0.00} balance. Whether the account was paid or unpaid is not the issue. The issue is that I repeatedly requested proper validation and documentation and did not receive it. " It is not against the law for a consumer to pay a collection account and still request proper validation of the debt being reported. '' If CDR Genesis possesses documentation supporting this account, then produce it. If CDR Genesis does not possess documentation supporting this account, then how was the account verified? Who verified it? What documents were reviewed? What evidence was relied upon to continue reporting this account? At this point, it appears that CDR Genesis expects consumers to simply accept reporting at face value without providing the documentation necessary to verify its accuracy. Consumers have rights. I know my rights. That is why I have repeatedly requested validation and documentation regarding this account, this is your final warning to produce documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX Chase Fraud text me to see if I had authorized a purchase of {$850.00} to XXXX XXXX XXXX. I replied no and they closed my card. On XXXX at XXXX pm I received a phone call from Chase Fraud, I thought. Same number as Chase Fraud. XXXX. The person said she was XXXX XXXX, ID # : XXXX, XXXX # : XXXX. She said XXXX XXXX had attempted to send {$5000.00} and {$1000.00} from XXXX account. I use Chase online pay to pay 3 bills. Believing they was from Chase Fraud she instructed me to share my screen. Then she had me entering different information on my phone. I can not remember everything she had me do. She did keep asking me if XXXX. was my son. When she mentioned a XXXX account, I told her that I was at work. She said that she would call me back at XXXX XXXX I asked her why she could not finish this now and she hung up. I immediately called Chase Bank who transferred me to Chase Fraud. Since nothing was done at that time and my debit card was closed, they said they could not help me at that time. They told me to watch my account. I really didn't think I had a XXXX account set up. I didn't know I could block the account or even close it. I called the bank with my XXXX account and closed the debit card, I also cancelled my XXXX account. I checked my Chase account before I went to bed that night, it was fine. When I checked my account on XXXX at XXXX am my account had been hacked for {$500.00}. They said I authorized a XXXX transfer to my son who said he doesn't have a XXXX account. The money transfer went to the account under my son 's name but registered to another person with a phone number that is not my son 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA regarding their repeated failure to properly investigate a billing error under the Fair Credit Billing Act ( FCBA ) for an Apple Card transaction totaling {$280.00} with the merchant Arajet. On XX/XX/year>, I voluntarily canceled a flight directly with XXXX. The merchant explicitly accepted the cancellation and provided written confirmation that a refund of {$280.00} would be processed to my Apple Card. The merchant failed to post this credit. I opened a dispute with Apple Card/Goldman Sachs under Mastercard Reason XXXX XXXX ( Credit Not Processed / Services Not Rendered ), providing the definitive text evidence of the merchant 's refund agreement. Goldman Sachs has repeatedly closed the dispute in favor of the merchant ( once in XX/XX/year>, and again in XX/XX/year> ). They appear to be automatically siding with the merchants boilerplate " non-refundable ticket '' terms while completely ignoring the subsequent specific written contract where the merchant agreed to issue a refund. This has resulted in an endless, exhausting loop over the last six months where clear evidence is being ignored by frontline chat agents. A temporary provisional credit has just been issued for my third attempt at reopening this case, and I am seeking a permanent resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I redeemed XXXX Chase Ultimate Rewards points ( XXXX value, Chase Sapphire XXXX ) via Chase XXXX XXXX book XXXX XXXX XXXX XXXX XXXX to XXXX XXXX Trip # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1200.00} fare value ). XXXX XXXX cancelled the flight on the day of travel and rebooked us to XXXX ( XXXX ) instead of XXXX, leaving XXXX XXXX days later a " significant change '' under XXXX XXXX XXXX. XXXX XXXX 's reissued tickets bear XXXX endorsement code " XXXX '' ( involuntary reissue ). XXXX XXXX 's own email of XX/XX/year> ( Case XXXX ) confirmed the ticket " reflects as refunded '' in their system and directed me to Chase XXXX for execution. Chase XXXX has not redeposited the XXXX points despite XXXX XXXX authorizing the refund on XX/XX/year> ( XXXX days ago ). I have called Chase XXXX XXXX XXXX. Each call produced " still waiting on XXXX XXXX '' despite XXXX XXXX 's written confirmation that the refund is authorized. Chase XXXX opened and closed XXXX prior cases that are now closed ( XXXX and XXXX ) without resolution. The active escalated case is XXXX. Today ( XX/XX/year> ), I spoke with a supervisor named XXXX ( Travel Escalations ) from XXXX to XXXX XXXX XXXX XXXX confirmed for the first time the actual blocker : XXXX XXXX proposed the refund with a {$150.00} deduction characterized as a " processing fee for voluntary cancellation. '' This directly contradicts XXXX XXXX 's own XXXX endorsement on the reissued tickets and their written XX/XX/XXXX confirmation. XXXX declined to provide his last name, employee ID, direct email, or direct phone number, and declined to provide any written confirmation of the call or his commitments. However, he did escalate the case and commit verbally to following up within XXXX hours. Under XXXX CFR XXXX ( l ), Chase XXXX as a ticket agent has an independent duty to make prompt refunds when service can not be performed as contracted. Under XXXX CFR XXXX, refunds must be returned in the original form of payment without reduction no fee deduction is permissible. Under XXXX CFR XXXX, a prompt refund is XXXX business days. Chase XXXX is XXXX days past that standard. I am seeking immediate redeposit of XXXX XXXX Rewards points to my Chase Sapphire XXXX account and refund of any cash taxes, in full, without deduction. DOT complaint filed : Case XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 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: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Multiple fraudulent transactions were made until my balance was nearly empty. PayPal informs me that the transactions made can not be reversed even though I was not aware of them to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX 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 XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right an d must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year>. I received a call from a representative of Regions bank her name is XXXX from debt collection department at Regions informing me of an overdraft of {$560.00}. on my Regions checking account. I informed her that I was unemployed and could not make a payment due to my hardship. I told her I could make a {$10.00} payment next week. She said she would note that on my account. But on XX/XX/year> there was a withdrawal of {$220.00} out of my account without my consent nor my permission. Also that was the only money left in my checking account. So it actually brought my account to {$7.00}. So I called on XX/XX/year> to inquire about my missing money. I was told by a customer service representative supervisor named XXXX that they had taken {$220.00} out of my account and that Regions automatically takes money owed to them without customer permission out of the customers account. First of all my account is a hardship account and no one has ever taken money out of my account without my permission. Except this time when they said the computer automatically takes money out of my account. I have never heard of computer taken payments without my permission! I told XXXX that was unacceptable and I want my money returned immediately back to my account. But she refused to do so.

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 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
Reference complaint # XXXX XXXX previous complaint, I still can not access my account. My login won't work. I can't reset. Customer service and IT keep telling me to call back " tomorrow. When XXXX tries helping me login, they are unsuccessful and my account keeps getting relocked : but I never gain access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: AL

Complaint narrative:
My Ssa check was deposited to my Netspend account for the amount of {$850.00} and when I was going to transfer my money to my XXXX XXXX XXXX XXXX XXXX account I noticed that there were transactions on the account that I have not made. I have contacted Netspend and they said the transactions had to be posted to my account before they were able to do anything about it. I don't recognize the transactions because I have no idea what the companies are. I looked them up on XXXX XXXX and they are from companies I have not heard of. After the deposit was made all of the transactions were right after the deposit was made. I was also informed that there was a secondary card holder on my account but I have not put anyone on my account and Netspend said they can not tell me who it is even though it is my account. All the transactions had been made within an hour of the deposit and the times are within 2-4 minutes of each other.

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 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I have investment accounts with robinhood. On XXXX I noticed my robinhood managed investment account had a message that it was no longer managed. When i tried to contact their support they sent a message saying they dont support me as a customer anymore. I was confused and thought i was hacked so I froze my account in the app. Now the process is for me to contact robinhood to verify my indentiy however can only be done via the app by requesting call. Been doing this since XXXX and they do not call. I have about XXXX dollars in my account and have no way to withdrawl or access my money. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
Ally servicing has my car loan and will not help me with a smaller loan payment or offer me an extension or even reduce my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On or about XX/XX/year> XXXX XXXX charged me double for one phone in the amount of about {$200.00}. PNC Bank was informed about the discrepancy but refused to adhere to the FDIC, THE federal direct insurance deposit act which states that the account is insured of up to {>= $1,000,000}!

Company response to consumer: Closed with explanation