vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed several inaccurate charge-off accounts, collection accounts, and unauthorized hard inquiries that continue to appear on my credit reports. XXXX auto loan accounts are being reported as charged off with large balances while also showing continuous XXXX delinquency progression extending into recent reporting periods, even though the accounts have not had activity for a long time. No complete payment history, charge-off documentation, deficiency balance calculations, or verified date of first delinquency has been provided to support the continued reporting. I also disputed an unsecured loan account that was sold to another lender but continues to report as a charged-off account without proper documentation showing the transfer, zero-balance conversion, or ownership change. Additionally, several third-party collection accounts remain on my reports without proper validation. These accounts have not been supported with full chain-of-title documentation, original creditor agreements, or itemized balance calculations to prove legal ownership and accuracy of the amounts being reported. I also disputed a credit card account reporting recent late payments and a balance that I do not recognize. No billing statements or payment records were provided to validate the reported delinquency. Furthermore, I disputed multiple hard inquiries from various lenders and creditors because no signed authorization, application records, or permissible purpose documentation has been provided. Despite these disputes, the companies and credit bureaus continue to report unverifiable and misleading information, which indicates that reasonable reinvestigations are not being conducted. I am requesting immediate deletion of all inaccurate charge-off accounts, unsupported collection accounts, and unauthorized inquiries.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
TO : Consumer Financial Protection Bureau RE : Follow-up to Complaint ID : XXXX I am filing this formal complaint because PayPal has permanently deactivated my business account for a second time, despite a prior resolution under Complaint ID : XXXX. This repeated action is causing direct financial harm to my business operations and feels like targeted retaliation for my previous filing. PayPal has flagged XXXX recent transactions for " regular receiving of money, '' even though these amounts were smaller than my typical business volume. Their compliance team is demanding that I provide chat logs, social media links, and digital " proof '' of sales. I have clearly explained to them that my business ( music production and consulting ) is service-based. All agreements and consultations are conducted via phone calls and verbal agreements. By demanding digital storefront links that do not exist for a service-provider, PayPal is creating an impossible barrier to service. It is not illegal to conduct business via telephone, yet PayPal is using this as a pretext to seize my funds and shut down my livelihood. I am requesting the following : 1. An immediate manual executive review of my account by a human agent, not an algorithm. 2. The immediate reinstatement of my account and full access to my business funds. 3. A formal acknowledgment that service-based businesses conducted via phone are compliant with their Terms of Service. PayPals refusal to acknowledge my business modelespecially after being forced to rectify this exact issue previouslyis unacceptable and discriminatory toward service-based small business owners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
COLLECTION MANAGEMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX : Account Number XXXX Cease and Desist Communication To Whom It May Concern, I am writing regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease and desist all communication with me regarding this account. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. You are only permitted to contact me in writing to confirm XXXX of the following : XXXX. That you will comply with this request and cease further communication, or XXXX. That you intend to take specific legal action. Any further contact outside of these exceptions will be considered a violation of federal law, and I will not hesitate to file complaints with the appropriate regulatory agencies and pursue legal remedies if necessary. Please also be advised that I am keeping records of all communications for documentation purposes. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Date : XXXX XXXX, 2026 To : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account Number XXXX Dear Sir/Madam, I am formally requesting that you immediately cease and desist all communication and collection activity regarding the above-referenced account. This letter serves as notice that I dispute this alleged debt. You are hereby instructed to stop all contact with me, including phone calls, emails, text messages, and written correspondence, except for any legally required notices. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am revoking any consent for continued communication and demanding that all collection activity regarding this account be terminated immediately. Additionally, I request written confirmation that you have received this notice and that all collection efforts have ceased. Any further contact after receipt of this letter will be considered a violation of my rights under applicable federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CA

Complaint narrative:
Subject : Complaint Regarding Denied Credit Card Bonus Due to Misleading Information I am writing to formally file a complaint regarding a business credit card promotion that has not been honored. I was approved for a new business credit card with a promotional offer requiring {$6000.00} in spending within 90 days to receive a reward. However, I did not receive my physical card in a timely manner. After contacting customer service, a supervisor extended my spending period to accommodate this delay. Before the deadline, I contacted customer service again to confirm whether I had met the spending requirement. I was clearly told that I had already qualified for the reward. After the promotional period ended, I did not receive the reward. When I followed up, I was told that I was short by approximately {$40.00} due to certain transactions not being counted. At that time, I was informed that the bank could manually review and adjust the transactions so I could still receive the reward. However, after further delay, the explanation changed again. I was then told that I did not qualify because I failed to meet the spending requirement within 90 days. This situation is unacceptable for the following reasons : 1. The delayed delivery of the physical card was not my fault. 2. I relied on the banks confirmation that I had already met the spending requirement. 3. I was not given an opportunity to correct a minor shortfall ( ~ {$40.00} ) before the deadline. 4. The bank provided inconsistent and contradictory information. Based on the above, I respectfully request : 1. Immediate honoring of the promotional reward as originally promised. 2. A formal review of this case and confirmation in writing. 3. Assurance that customers are not misled in similar situations in the future. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
So on XX/XX/XXXX I filed a claim after my phone/wallet was taken from me I lost it and someone picked up my things my password is really easy to guess its XXXX and someone send themselves XXXX dollars in different transactions, I immediately disputed the claim a hour after I just seen it and XXXX the worker I was on the phone with assured me I was going to get a refund within a week, I just moved into my new apartment and I needed to buy groceries. I been calling to check up and they said just wait now today XX/XX/XXXX I just seen that in my app they closed my claim and its been denied??? For what I said everything that needed to be said and proved it I often use XXXXXX/XX/XXXX a lot because I do catering for work and sale stuff on marketplace but this is wrong I really need my money 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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Reference number XXXX - On XX/XX/XXXX2025 I closed my XXXX credit card with Goldman Sachs. On this date, I confirmed via chat with a representative that I do not see any pending payments on your account. Your account is fully paid and has a balance of {$0.00}. After this date I no longer had access to the app to see new charges. Account fully closed. - On XX/XX/XXXX, I noticed strange charges from my Apple Card account in my bank checking account and began an inquiry chat. I was informed this was an adjustment, a credit was being placed back into my account. I again asked to confirm that there were no continued charges originating from anything via chat. The representative affirmed there were no pending charges and I owed a balance of {$0.00}. - I noticed in XXXX I had decrease to my XXXXredit score, so again reached out to Goldman Sachss and was informed that I had a pending interest charge of {$6.00}. This made me confused as my account had been closed for almost 6 months by this point. I paid the charge and followed up with management. I was informed they were unable to adjust the claim but would investigate further. - Today, XX/XX/XXXXXXXX I was informed over the phone this charge originated from an interest charge in XXXX of XXXX. - I had asked and been told XXXX separate times after my account closure that my account balance was {$0.00}. Despite these confirmations a negative mark was later reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On or around XXXX XXXX, 2026, an unauthorized XXXX XXXX transaction totaling {$1200.00} ( {$1000.00} and {$200.00} ) was sent from my account without my permission. I was at an event at the time and did not authorize or initiate these transactions. After discovering the transactions, I attempted to resolve the issue by contacting the recipient directly to recover the funds, but they refused to return the money and blocked me. I initially contacted XXXX XXXX and was advised to reach out to my bank. I then reported the unauthorized transactions to Chime within the allowable dispute timeframe and provided supporting evidence, including transaction records, screenshots, and communication with the recipient. I also filed a police report regarding this incident. Despite this, Chime repeatedly denied my claim, sometimes within XXXX hours, without conducting a reasonable or thorough investigation. I requested specific details regarding how the transactions were authorized, including whether Face ID or a passcode was used, as well as any device or location information. Chime failed to provide this information or any sufficient explanation supporting their denial. Under Regulation E, I am not liable for unauthorized electronic fund transfers when reported within the required timeframe. I reported this issue in a timely manner and fully cooperated with the investigation. I am requesting that Chime properly investigate this unauthorized transaction and reimburse the {$1200.00} that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays failed to conduct a reasonable investigation into my billing dispute involving a {$360.00} hotel charge for services not rendered. During a prior stay at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, I made a future reservation for a later trip related to my son XXXX XXXX XXXX games in the XXXX XXXX area. Immediately after checkout on XX/XX/XXXX2025 at XXXX PM, I canceled that future reservation by phone. My phone records confirm that call. I canceled because I learned that XXXX team would be staying at XXXX XXXX La XXXX, which was logistically better for team coordination and transportation to the baseball field. I then stayed at XXXX XXXX La XXXX from XX/XX/XXXX to XX/XX/XXXX, and that XXXX confirms my physical presence there during the same period the merchant later claimed I stayed at XXXX XXXX XXXX. On XX/XX/XXXX, while I was already staying at XXXX XXXX, I received notice of a no-show charge and immediately contacted XXXX. XXXX issued case number XXXX that night, confirming that I raised the dispute before the hotel later processed the reservation as a completed stay. Despite my prior cancellation and that pre-stay notice, XXXX XXXX XXXX later processed the reservation as though I had actually stayed there. The hotel sent a Thank you for staying email reflecting confirmation # XXXX, XX/XX/XXXX check-in, XX/XX/XXXX check-out, and an award of XXXX loyalty points. Barclays nevertheless denied my billing dispute after accepting the merchants conclusory statement and internally generated folio. Barclays did not require objective proof of actual service delivery, such as a signed registration card, ID verification, key issuance records, or room access logs. This was not a reasonable investigation. Barclays accepted contradictory merchant records at face value even though the documentary record showed : 1. a contemporaneous cancellation call, 2. a same-night XXXX case opened before the hotel finalized the supposed stay, and 3. independent third-party evidence that I was physically staying at another hotel during the same dates.

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 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
* * Complaint Against : * * Auto Loan Lender ( Account for XXXX XXXX XXXX ) I am filing a complaint regarding my auto loan for a XXXX XXXX XXXX purchased on XXXX XXXX, 2025. The vehicle has experienced ongoing mechanical issues, specifically related to the engine, which I reported multiple times to the selling dealership while the vehicle was still under warranty. Despite my repeated complaints, the dealership failed to properly diagnose or repair the issue. The vehicle later developed a confirmed engine-related problem ( code XXXX oil pressure control solenoid ), and on XXXX XXXX, 2026, the vehicle became completely inoperable and had to be towed. It is currently at the dealership awaiting a determination on whether the repair will be covered under warranty, which may take XXXX weeks. At this time, I am being required to continue making payments on a vehicle that I can not drive. Additionally, my household is experiencing financial hardship, as my husband is currently unable to work. I contacted my lender to request a payment deferment or hardship assistance, but I was told I have not had the loan long enough to qualify, and no reasonable alternatives were offered. I believe this is unfair and places an undue financial burden on me, especially given that the mechanical issue began and was reported while the vehicle was still under warranty. I am acting in good faith and attempting to resolve this situation, but I need temporary relief while the vehicle is being repaired and the warranty determination is pending. I am requesting : * A temporary payment deferment or hardship assistance * Waiver of late fees during this period * Assurance that my credit will not be negatively impacted while the vehicle is inoperable and under repair I am willing to cooperate fully and provide any supporting documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was notified via text, email and app notification that my checking and savings accounts were at risk of being closed. I was advised to call in, I followed the instructions and the rep that I was connected to told me that there was no information available at the time and recommended for me to call back on XXXX. I call back on the XXXX, only for the rep to tell me that Chase determined Im not eligible to use their checking and savings accounts, that the review can take up to XXXX business days and once its been concluded I will be sent a check with my funds. This is a false flag that is causing financial hardship because the bank is currently preventing me from accessing nearly {$20000.00} of my primary funds. Furthermore, their false fraud flag has also caused my XXXX to be restricted and due to them reporting this to EWS my financial history now has a false fraud report on it which will negatively affect my other financial accounts and my financial history overall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting a formal complaint against Genesis XXXX regarding unlawful debt collection practices, failure to validate a debt, continued harassment after cease communication requests, illegal third-party contact, and inaccurate credit reporting that has severely impacted my ability to obtain housing.The alleged debt is tied to a prior lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX . I was listed on the lease for approximately one year and was later removed. The remaining tenant, my mom XXXX XXXX, continued occupancy until XX/XX/XXXX. After move-out, my mom requested documentation and photographs of alleged damages, but those requests were denied. She also requested to file an insurance claim, which was ignored. The property manager ultimately refused further communication. Additionally, charges were issued after XXXX XXXX legal deadline. Genesis XXXX first contacted me on XX/XX/XXXX. At that time, I requested full debt validation, a copy of the signed lease, and proof that no insurance claim had been filed. They failed to provide proper validation and instead claimed the debt was verified based on an IP address, which is not legally sufficient. On XX/XX/XXXX, I submitted a written request for validation and instructed them to cease communication. Despite this, they continued contacting me repeatedly on multiple dates, including monthly and sometimes weekly calls, which is a violation of the Fair Debt Collection Practices Act. On XX/XX/XXXX, Genesis XXXX contacted my sister, XXXX XXXX, and threatened to damage her credit. She is not responsible for this alleged debt. This is a serious violation of federal law. Additionally, this account is being reported in a way that reflects collections and potentially eviction-related activity. As a result, I have been denied multiple rental opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have been a Capital One customer for many years. I recently opened another credit card after accepting an offer to do so. Since receipt of the card, I used the card on a couple of occasions. I then inadvertently ( as the card was recently added to my browsers autofill ) attempted a transaction that would have exceeded the credit limit. Following this Capital One have suspended use of the card and demanded income verification documents despite maintaining the same employment since becoming a Capital One customer in roughly XXXX or XXXX. I have provided bank statements yet my card still remains unavailable for use. I explained this to their telephone team but have received no response. I have paid the card 's balance off in full and remain unable to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I set up a fraud claim for 3 charges XX/XX/year> {$3500.00} XX/XX/year> {$590.00} XX/XX/year> {$4300.00} = {$8500.00} case claim XXXX There was some confusion on my end to try to see if I made the charges, once I identified that I did not, I set up a fraud claim. Amex claims that I gave the merchant my credit card number and this is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX being sued by XXXX XXXX for a debt that XXXX belong to me. The amount {$9700.00} dollars please stops and remove off all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation