vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized ATM withdrawals from my Chase checking account. On XX/XX/year>, four ATM withdrawals totaling {$1700.00} occurred at a Chase branch approximately 35 minutes from my home. At the time of the withdrawals, my debit card and phone were in my possession and I was at my residence. I have digital records showing I was at home, including an XXXX order placed during the same time period. I reported the transactions as fraud. Chase initially denied the claim stating the transactions were authorized. After I called again and provided more information, Chase credited {$1400.00} but refused to refund the remaining {$290.00}, stating it was the difference between the amount debited and the amount recorded. I did not authorize any of these withdrawals, including the remaining amount not reimbursed. The withdrawal pattern ( {$300.00}, {$500.00}, {$480.00}, {$500.00} within minutes ) is inconsistent with my normal account activity, and the ATM was located far from my residence. I am requesting that Chase : 1. Reimburse the remaining {$290.00} 2. Provide documentation showing how they determined one transaction was authorized 3. Confirm whether ATM surveillance footage was reviewed 4. Provide the records relied upon in the investigation I believe the investigation was incomplete and did not properly consider the evidence that the transactions were unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions continued claim of a lien on my vehicle without providing documentation demonstrating their lawful authority to maintain or enforce that security interest. The vehicle is a XXXX XXXX XXXX XXXX ( VIN : XXXX ). Navy Federal Credit Union remains listed as the lienholder on the vehicle title issued through the Minnesota Driver and Vehicle Services. However, the underlying credit account associated with this loan was charged off and reportedly transferred to a third-party debt buyer, XXXX XXXX XXXX . Navy Federal Credit Union is no longer furnishing this account to the consumer reporting agencies. Due to the transfer of the account and the unclear status of the security interest, I sent Navy Federal Credit Union a written request for documentation on XX/XX/XXXX via certified mail requesting verification of their authority to maintain the lien and enforce the security interest. In that written request, I asked Navy Federal Credit Union to provide documentation including : Proof they are the current holder of the promissory note Documentation showing they retained the security interest after any sale or transfer Copies of any assignment or transfer agreements Identification of the entity with legal authority to enforce repossession Confirmation of whether any repossession action has been authorized If they are no longer the secured party, issuance of a lien release These requests were made to determine the party with lawful authority to maintain a secured claim against my vehicle. To date, Navy Federal Credit Union has failed to provide adequate documentation demonstrating that it is the current secured party or that it retains the legal authority to enforce the lien. If the account was sold or assigned to another entity, the security interest must also follow the note and there must be documentation showing the chain of assignment of the promissory note and security agreement. Maintaining a lien without the ability to demonstrate lawful authority creates an improper encumbrance on my vehicle title and raises concerns about misrepresentation of the legal status of the debt and the party authorized to enforce it. This situation prevents me from having clear title to my vehicle and creates ongoing uncertainty regarding potential repossession rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a dispute with Capital One regarding a transaction with a merchant with whom I was trying to return a damaged item back to. The merchant originally acknowledged that item was indeed damaged and offered the chance to return the item for a refund. After I told the merchant I wanted to go through with the return, they refused to respond even after multiple, repeated attempts on my part. I reached out to Capital One as there was be no way for me to return the item with no acknowledgement from the merchant nor a return address and I was essentially stuck with a damaged product I paid full price for. On XX/XX/year>, Capital One finally responded, finding me as the responsible party. I proceeded to respond multiple times with documentation and proof that the merchant was the one refusing to work with me to resolve the issue. Yet each time, even when given unequivocal clear evidence, I was still marked as the responsible party each time ( as if no one even bothered reading the documentation I provided ). My last attempt to reopen the dispute was on XX/XX/year> in which they once again marked me as the responsible party hours after I had reopened the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hard inquiries 11 on my Equifax credit report I did not give permission to anyone to run my credit nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/XXXX I sent certified mail requesting debt validation in writing saying I owe a debt. Its been over 30 days and I have not received nothing in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint regarding an auto loan financed through Credit Acceptance Corporation. I believe there are serious inaccuracies and possible misrepresentations in the financing documents related to my vehicle purchase. The retail installment contract for my vehicle states that I made a down payment of {$4500.00}. However, I only paid {$3200.00} to the dealership at the time of purchase. I did not provide or authorize a {$4500.00} down payment, and I do not have any documentation showing that this amount was paid. It appears that the dealership and/or lender may have reported an inflated or false down payment amount in order to obtain financing approval. This raises serious concerns about the accuracy of the loan disclosures and whether the financing agreement complies with the Truth in Lending Act and other consumer protection laws. I am requesting that Credit Acceptance conduct a full investigation and provide the following : Documentation showing proof of the alleged {$4500.00} down payment Any receipts or transaction records supporting that amount An explanation of how the down payment amount was verified before approving the loan Also they are requesting {$2300.00} more and I can not understand why this happening. Saying they paid a loan off for me but didnt with credit acceptance. If the information on the contract is inaccurate, I am requesting that the loan be corrected immediately or otherwise resolved. I believe listing an inaccurate down payment amount on a financing agreement may constitute misrepresentation and deceptive lending practices. I am seeking a fair resolution and a full explanation of how this occurred.

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 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/year> I was XXXX XXXX XXXX collecting unemployment, trying to buy my first car with only XXXX dollars to my name. a worker at XXXX XXXX XXXX help me purchase a broke down car that was over heating and not running or driving over 10 miles without over heating. took the car back to the company and stated did not want the car anymore, until another person of the company let me know the car should have even been given to me because i was underage and did not have a stable job and unemployment did not qualify as being employed. the person that sold me the car was fired from the company and promised to let go of the contract.

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 2026-03-11 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: Block, Inc.
State: TX

Complaint narrative:
XX/XX/ XXXX XXXX unauthorized login XX/XX/ XXXX XXXX unauthorized transfer from my bank to Cash App {$410.00} XX/XX/ XXXX XXXX accessed previously paid bills and with out authorization put on after pay service totaling {$380.00} XXXX XXXX XXXX Without Authorization Borrowed From Cash App Credit {$390.00} This Freed up {$410.00} and {$390.00} on Cash App account, there was an unauthorized transaction on my Block Cash App Visa Card for {$750.00} XXXX At XXXX XXXX, Cash App Declined, Then XXXX At XXXX XXXX The same merchant attempted the charge again and Cash App allowed the transaction to go through, I Disputed the Charge and blocked my Card when I was notified I also have my card in my possession, I changed my pin, I normally get a text when I log in from another device so I do not know how this occurred. My consumer credit accounts are on alert also. I am filing the complaint for the unauthorized Visa charge for {$750.00} that was denied by Cash App, I filed an appeal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
A company won't remove debit collection from credit report and i file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: LA

Complaint narrative:
Its been about 2 years my account was hacked and money was stolen. Cashapp gave me my money back back only 1 time and after that they closed my account and my kids account for nothing saying I was scamming which was not true I dont even know how to scam and cashapp closed my account and will not let me open another account. And also owes me money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: NV

Complaint narrative:
This debt has been fully paid and the debt collector by the name of Rent Recovery Solutions has no legal rights to collect on this debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Date : XX/XX/year> Subject : Dispute of Collection Account Request for Investigation and Removal To Whom It May Concern, I am formally disputing a collection account that is currently being reported on my credit report. The account contains inaccurate and unverifiable information and appears to be reported in violation of the Fair Credit Reporting Act ( FCRA ). Creditor / Collection Agency : Portfolio Recovery Account Number : XXXX This account contains errors in its reporting, including inconsistent or unverifiable information such as the Date of Last Activity ( DOLA ) and other reporting elements that must comply with XXXX XXXX standards. Under the Fair Credit Reporting Act, I am requesting that a reasonable investigation be conducted into this account. If the account can not be properly verified with accurate documentation, it must be removed from my credit report immediately. I request written confirmation of the results of this investigation. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a fraudulent account associated with XXXX XXXX XXXX that has been reported on my credit file. In early 2023, my former employer, XXXX XXXX XXXX XXXX XXXX, notified me that my personal information had been compromised in a data breach. Since then, I have received numerous calls from debt collectors regarding accounts that I did not open. I did not open any account or purchase any products or services from XXXX XXXX XXXX. However, a debt collector named Uplift contacted me demanding payment for this alleged account, which I do not recognize. I filed a police report with the XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) and submitted disputes with all three credit bureaus. I also filed a dispute directly with XXXX XXXX XXXX and provided multiple proofs of residency as requested. Despite my cooperation, XXXX & XXXX closed the dispute claiming it was invalid and did not provide further explanation. I reopened the dispute, but I have not received any response since. Because this account is the result of identity theft, I request that XXXX XXXX XXXX immediately conduct a proper investigation and permanently remove this fraudulent account from my credit report. Please provide written confirmation once the investigation is completed and the account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. 180-day hold ended XX/XX/XXXX ( balance {$1700.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$1700.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, we signed a residential lease for an apartment in XXXX, XXXX with an initial term of two year. During our tenancy, the property was sold and management was taken over by XXXX XXXX XXXX. On XX/XX/XXXX, we notified the property management that we would be moving out. We vacated the apartment on XX/XX/XXXX after providing notice. Recently, we were informed that we allegedly owe approximately {$25000.00} related to the remaining lease term. However, we have not received a detailed itemized statement explaining how this amount was calculated. We have requested documentation showing the full breakdown of the charges, including the move-out date recorded by the company, the period the unit remained vacant, the date the unit was re-rented, and documentation of any efforts made to mitigate damages by re-leasing the unit. Under Massachusetts law, landlords are generally required to mitigate damages by making reasonable efforts to re-rent a unit after a tenant vacates. Without documentation showing the vacancy period and mitigation efforts, we can not verify the validity or accuracy of the claimed balance. Additionally, we are concerned about the reported conversion of the lease term to a three-year obligation without clear notice or agreement after the change in property ownership. For these reasons, we dispute the alleged balance and request a complete itemized statement along with documentation supporting the charges.

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 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the debt that has been reported and/or sent to collections regarding my account with XXXX During the time I was a customer, I experienced numerous issues that caused significant financial and personal hardship. I was charged for phones that I never had in my possession, my service plans were changed without my authorization, and lines were added or promoted under misleading or false promotional terms. In addition, my monthly bills repeatedly changed without explanation. I also experienced a breach of trust when customer information was compromised during the widely reported XXXX data breach, which raised serious concerns about how my personal information has been handled. Now, I have been contacted by a debt collection agency claiming I owe a balance. I strongly dispute this alleged debt. Many of the charges on the account appear to be the result of unauthorized changes, misrepresentation of promotions, or billing errors.

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I was locked out of my account on the cryptocurrency platform Coinbase. Since that date, I have been unable XXXX access my account or my funds. I immediately contacted Coinbase support XXXX opened a support case. Despite multiple communications XXXX follow-ups, I have not received a clear explanation for the lockout or a timeline for when my account will be restored. My funds remain inaccessible. On XX/XX/year>, I submitted a formal complaint through XXXX internal complaint process due XXXX the lack of progress. Coinbase acknowledged receipt of my complaint but stated the matter must continue through their support process, XXXX that a response from their Customer Complaints XXXX could take up XXXX XXXX business days. At this time, my account remains locked XXXX I still do not have access XXXX my funds. I am requesting that Coinbase restore access XXXX my account or release my funds XXXX provide a clear explanation for the lockout. I am filing this complaint because the extended delay XXXX lack of communication have prevented me from accessing my own funds.

Company response to consumer: Closed with explanation