vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a formal complaint regarding LVNV Funding LLC, account ending in XXXX. This account is being reported with inaccurate and unverifiable information, including conflicting account statuses ( closed on one report, open/derogatory on another ) and inconsistent account type ( installment vs other ). The loan type field also contains UnknownLoanType, indicating incomplete or improperly reported data. LVNV Funding LLC, as a debt buyer, must provide documentation proving legal ownership, the original signed agreement, and a complete payment history. I have not received this documentation. Under the Fair Credit Reporting Act, any information reported to credit bureaus must be accurate, complete, and verifiable. Because this account can not be fully verified, I request that it be deleted from all credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase business checking account that recently became overdrawn by approximately {$2100.00}. Because I did not receive any low balance or overdraft notifications, additional transactions continued and approximately {$500.00} {$700.00} in overdraft fees accumulated before I realized the account was overdrawn. I contacted Chase immediately once I realized the issue and offered to bring the account current by paying the negative balance excluding the overdraft fees. Chase declined and stated that their policy only allows them to remove three fees, which would still leave over {$500.00} in fees. Chase explained during the call that a separate notification setting must be enabled to receive low balance or overdraft alerts. However, this requirement was not clearly communicated during account onboarding. I also have a personal Chase checking account that already provides low balance alerts, and I do not recall having to manually configure these alerts. Because of this, I reasonably expected similar alerts for my business account. If I had received a low balance or overdraft alert, I would have immediately deposited funds or stopped using the card, preventing most of these fees from occurring. I am requesting that Chase review and reverse the overdraft fees that accumulated due to the lack of notification and the unclear alert configuration during onboarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I opened an account with XXXX XXXX XXXX for my company, XXXX XXXX, with XXXX XXXX. In order to open this account, I was asked to provide a lot of information, which was validated, and I was able to activate the account on XXXX XXXX. Among the many details they asked me for to approve the account opening were the following : XXXX, activity, contracts with clients, estimated monthly dollar volume, etc. I provided all this information and the account became active. To my surprise, the first transfer received from my client, whose details Revolut already knew from the validation process, was put on review. I received a request via Revolut chat to send an invoice explaining the transfer received. The invoice was sent within minutes. I was surprised because these invoices, which my company issues to this client every month, had already been submitted when the account was opened. This transfer was received on XXXX XXXX and, despite all the information provided, Revolut only sends messages via an endless chat with copy-and-paste messages that are repeated over and over again. In short, excuses and more excuses, with no progress whatsoever. Faced with this situation, I filled out the Revolut Business Complaint Form explaining the situation. I only received an email with the assigned case number and the same messages. On numerous occasions via chat, I asked them that if they were unable to release the money, they should at least return it to the sender, but never unjustifiably withhold the funds. No response has been received in this regard, and they continue to withhold the money. The damage caused to my company is tremendous, as it is a small business that relies on its telecommunications consulting services, an activity that was clearly explained during the account opening process. Revolut Business 's behaviour has caused enormous financial damage to my company, as I am unable to pay this month 's office rent, overheads, suppliers or anything else. At the same time, an implausible situation arises in which, while this money is being held, Revolut Business sends me an email saying that my account has higher limits for each transaction, talking about hundreds of thousands of dollars. This must be fraud, since the first transfer received and well documented for an amount of XXXX remains held without resolution. Furthermore, within a few hours of activating the account, Revolut had already charged my account XXXX for the chosen plan. They do this instantly, but the review process to release the money received from customers is endless. Another bad practice. Attached to this letter is a copy of the endless chat exchange, which yielded no results, as well as the reference received from Revolut Business upon submission of the Complaint Form.

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: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
Company has promised over a month again to delete from all credit bureaus. Unfortunately this is still on my experience XXXX report. Can you please remove ASAP please as promised please see attached as proof

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer XXXX XXXX XXXX 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. XXXX hold ended XX/XX/XXXX ( balance {$3800.00} ). 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 {$3800.00} to my bank account.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 — Billing problem
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
My vehicle loan ( ID XXXX ) was fully paid off on XX/XX/year>. A payoff check for {$24000.00} from my new lender was delivered to Lendbuzz via XXXX ( Tracking : XXXX ) and signed for by XXXX. Lendbuzz has failed to close the account or release the title. Furthermore, on XX/XX/year>, Lendbuzz attempted an unauthorized withdrawal of {$670.00} from my bank account. I have tried contacting them via email on XX/XX/XXXX, but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
The mortgage company has increased my monthly payment without proper documentation. They refuse to send me the reason for the increase after multiple requests. In the process of trying to get this information, I found that they are also charging PMI erroneously. The loan to value ratio has NEVER required PMI. They are also refusing to accept and process a duplicate payment made in XX/XX/year> thereby causing a delinquency on the account and with the credit bureau. My full name is XXXX XXXX XXXX XXXX. The loan is under the name XXXX XXXX XXXX and XXXX XXXX XXXX. This CFPB account was set up under XXXX XXXX without the foreknowledge that it must be the same as the name on the loan.

Company response to consumer: Closed with explanation
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: CL Holdings LLC
State: MI

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification of this debt. If you believe that I received proper notification of this debt, please provide certified mail with a receipt with my name and signature stating that I received the document.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NM

Complaint narrative:
I am charged close to XXXX XXXX XXXX. I believe this is illegal and against the law. I am charged to close to {$1500.00} on a loan. I did not it was XXXX XXXX XXXX. I believe this should be looked in by the government. The company additional informed it process at the principal

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Explanation of complaint : FORMAL DEMAND FOR RESTORATION OF REWARDS ACCESS To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attention : Customer Service Leadership / Legal Department Date : XX/XX/year> Subject : Breach of Rewards Program Agreement Account Balance {$490.00} To Whom It May Concern, I am writing to formally demand the immediate restoration of my ability to use the rewards points earned on my XXXX XXXX account. My current balance is 49,831 points ( {$490.00} ), yet your platform is currently preventing me from applying these points to purchases. Per the XXXX Rewards Program Agreement, XXXX is the primary party responsible for the administration of this program. I draw your attention to the following contractual terms : Ownership of Program : The agreement explicitly states : " The XXXX rewards program is offered by XXXX... This document describes how the XXXX rewards program works and is an agreement between you [ and ] XXXX. '' Control of Redemption : The agreement further stipulates that : " XXXX may... change how you use points [ or ] change what you can get with your points. '' Administrative Responsibility : While JPMorgan Chase Bank , N.A . issues the credit card, the " Shop with Points '' feature and the digital ledger of available rewards are managed and displayed exclusively through the XXXX interface. By showing a balance of {$490.00} but failing to provide the technical means to redeem it, XXXX is in breach of the rewards program terms. These points are a earned benefit with a clear cash value, and the continued withholding of these funds is unacceptable. I hereby demand that within three ( 3 ) business days, XXXX : Correct the technical error preventing the redemption of my 49,831 points. Or, in the alternative, issue a manual credit of {$490.00} to my XXXX XXXX XXXX balance. If this matter is not resolved immediately, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Washington State Attorney Generals Office for the withholding of earned consumer benefits. Sincerely, XXXX XXXX

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:
XXXX. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer XXXX XXXX XXXX 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. XXXX hold ended XX/XX/XXXX ( balance {$290.00} ). 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 {$290.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requirements, debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validate the dead encoding, assign agreement, full account, history, and verification of your authority to collect.-you must cease all collection efforts and remove the information from my Credit report.

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 XXXX 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 {$1500.00} ). 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 {$1500.00} to my bank account.

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: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
Subject : Complaint Regarding Sudden Closure of Cash App Accounts and Lack of Explanation I am submitting this complaint regarding the sudden closure of my Cash App accounts and the lack of a clear explanation or meaningful support from the company. I have been a long-time user of Cash App. On or about the date of the closure, both of my accounts were closed simultaneously for an alleged violation of the Terms of Service. The notice I received stated that the closure could be related to suspected fraud, gambling, or other prohibited activity, but it did not identify any specific transaction or conduct that actually violated the Terms of Service. To my knowledge, I did not engage in any fraudulent or prohibited activity. My use of the platform was limited to normal personal activities, including sending money to friends and family, occasionally transferring my own funds between accounts I controlled, purchasing XXXX through the platform, and sending XXXX to a friend. Both accounts were connected to my own debit card from my bank, and XXXX of the accounts was fully identity verified using my personal information and Social Security number. I did not attempt to conceal my identity or misuse the platform. The most concerning aspect of this situation is that both accounts were closed at the exact same time without prior warning. The notice provided did not identify any specific transaction or activity that violated the Terms of Service. Without this information, I can not understand or correct any alleged issue. Despite attempting to understand the reason for the closure, I have not received any meaningful explanation from the company. Financial technology platforms are increasingly important for everyday transactions, and consumers should be provided with meaningful transparency when access to their accounts is revoked. A vague statement referencing possible violations without identifying the specific activity leaves customers unable to understand what occurred or how to avoid similar issues in the future. I respectfully request that Cash App provide a clear explanation of the specific activity that led to the closure of my accounts, conduct a manual review of my account activity, and reinstate my verified account if no fraudulent or prohibited activity occurred. If reinstatement is not possible, I request confirmation as to whether I am permanently prohibited from using Cash App or whether I may open a single compliant account in the future. I am willing to cooperate fully and provide any information necessary to clarify my account activity. My goal is simply to understand what happened and to resolve the matter fairly. Thank you for your time and assistance in reviewing this complaint. Sincerely, XXXX XXXX

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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Good day, I am writing this formal letter because the standard dispute department for Synchrony Bank XXXX XXXX / CareCredit Dispute Dept., has repeatedly failed to conduct a " reasonable investigation '' as required by the Fair Credit Billing Act ( XXXX ). My previous attempts to provide proof via fax and certified mail have been obstructed by non-functional fax lines and prolonged P.O. Box deliveries. Deny claims under XXXX weeks when they have up to 60 days. XXXX. The Dispute ( Double Billing/Fraud ) Merchant : XXXX XXXX XXXXXXXX XXXX During the month of XX/XX/year>, the merchant charged {$2000.00} to my CareCredit account for procedures that were already paid for in full by my insurance provider and my personal copays. XXXX. Evidence of Error ( Attached ) : * Exhibit A : Explanation of Benefits ( EOB ) from my insurance company proving they paid XXXX XXXX for these specific codes. * Exhibit B : Merchants written admission of a " credit '' for {$730.00}. This is a partial admission of overbilling. I do not accept a " store credit '' for a merchant that committed billing fraud ; I demand a reversal to my account. XXXX. Pattern of Unprofessional Conduct : Your agents have been dismissive, provided false contact information, and have repeatedly hung up on me. This behavior, combined with your refusal to acknowledge my insurance documentation, constitutes a violation of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ).

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