vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
b'Checking my credit profile I see someone opened an acct without my consent please remove immediately'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy of an account currently being reported on my credit report. The account reflects that a payment was made ; however, I did not authorize or make any payment toward this account. Because the information being reported is inaccurate and misleading, I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please provide verification of the alleged payment, including the method of payment, date processed, authorization records, and any supporting documentation proving the payment was made by me. If the account or payment information can not be fully verified, I request that it be removed from my credit report immediately. Reporting inaccurate information has negatively affected my credit profile and financial opportunities. I am requesting that this matter be corrected as soon as possible to ensure my report reflects accurate information only. Please send me written confirmation of the results of your investigation.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
I paid the original debt of {$1100.00} to XXXXXXXX XXXX on XX/XX/XXXX with email proof that payment was received through email correspondence. With this new company Rent Recovery Solutions. that is claiming they now have the debt for {$5600.00}. Which isn't XXXX the original amount from the main place I had it that I again already paid. I then called their number provided XXXX separate times to which no one answered. The XXXX call I made XX/XX/XXXX, second was XX/XX/XXXX, third was XX/XX/XXXX after I disputed from all credit bureau. XXXX XXXX and XXXX took my evidence of payment to the original debtor and email correspondence of such and removed it. XXXX did not and is still fighting me despite my efforts to resolve this when this new debtor is ignoring me and also trying to get XXXX XXXX dollars more out of me then the original debt was to begin with that was already paid. I have tried to get in contact with this new debt place with their contact us on the website on XX/XX/XXXX, and again XX/XX/XXXX. I also sent an email directly to the only email I could find on XX/XX/XXXX and got no reply either. I also sent a letter in the mail on XX/XX/XXXX and also no response.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
COMPLAINT ID XXXX I am writing to formally contest the continued freeze on my bank accounts ( ending in XXXX and XXXX ) and to request assistance in resolving this matter. My previous complaint ( Case # [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] ) was closed without a satisfactory resolution. Despite my full cooperation, Bank of America has maintained a total freeze on my funds. I have been informed that this is a 'residency validation ' issue. I have recently received a Form XXXX from the bank, which I am actively completing to officially certify my status as a non-resident alien, clearly establishing my permanent residence in XXXX, XXXX, and documenting my U.S. address in Florida as an address solely for correspondence. However, the bank continues to suggest that I must travel to the United States to resolve this in person. As a retired professional from the XXXX XXXX XXXX XXXX, I do not possess a U.S. visa, nor do I have the means to travel. This requirement is unreasonable and effectively prevents me from accessing my legally owned funds. I am requesting that the CFPB intervenes to ensure that Bank of America accepts my XXXX form and the necessary supporting documentation via secure electronic submission. I have acted in good faith and I am ready to provide all documentation required to regularize my tax status and proceed with the account review. I am simply asking for a reasonable, remote alternative to resolve this administrative hold.

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 2026-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally appeal the denial of my claim regarding an online purchase from XXXX XXXX made on XX/XX/year>, in the amount of {$1600.00}. Although I previously provided documentation, I would like to reiterate that I never received the XXXX computer I ordered. I reported this non-delivery to XXXX XXXX, and a representative confirmed that a refund would be issued. However, I have yet to receive these funds from the merchant. I have attached the proof of my communication with the XXXX XXXX agent confirming the promised refund. Despite this evidence, my initial claim was denied. I request that you review this information again and process the chargeback for this undelivered item. Thank you for your assistance in resolving this matter. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to request validation and verification of a collection account being reported by XXXX XXXX in the amount of {$350.00}. I do not recognize this account, have no knowledge of ever having this debt, and am genuinely unaware of its origin. Because of this, I believe this reporting XXXX be incorrect. I am asking that you please provide proper documentation and verification that this account belongs to me and is being reported accurately. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and understand that any information reported to my credit file must be fair, accurate, and fully verifiable. At this time, this account appears to be unverified, and I do not believe it should be impacting my credit report. If you are unable to validate this debt with sufficient proof, I am requesting that it be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding PayPals handling of my account and funds. I sold a golf-related product and received payment through my PayPal account XXXX Immediately following the transaction, my account was limited/closed and my funds were placed on hold. PayPal requested identity verification documents, including my photo identification, which I promptly provided. After submitting the requested information, I was informed that my funds would remain unavailable for approximately XXXX days. Since then, I have repeatedly contacted PayPal support seeking an explanation for the account limitation and hold on my funds. Despite multiple requests, I have not been provided with a specific reason for the limitation, any alleged violation, or the specific policy that resulted in the hold. PayPal representatives have only stated that I must wait for the hold period to expire and that contacting support will not change the outcome. I am concerned about the lack of transparency and the withholding of my funds without a clear explanation. I am requesting that this matter be reviewed and that PayPal provide a clear explanation for the account limitation, identify any policy basis for its decision, and ensure that my funds are handled appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
My cash app account was closed they told me it was possibly due to fraud or gambling. Well I didn't commit any fraud and I do not Gamble. And the only money I send and or receive is to and from family members. And I had gotten a large amount of money from my aunt and I was giving some to family members through cash app that's the only thing I can think why they flagged it and they said it was an AI computer that flagged it so then I appealed it and the appeal came back that it was reviewed and it's going to remain closed. But yet nobody can tell me what I violated as far as the terms of services I violated what exactly I did wrong in order for me to dispute it and no one wants to help me it was basically like you know you violated terms of service and now your accounts closed and there's nothing you can do about it. I've never had any issues before with any of my accounts I've never had any of them closed I haven't never done anything wrong I'm not sure what happened and nobody can tell me what happened and it's like everything 's done by Ai and I can't talk to a person and the person I can talk to who's a physical person can't tell me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: IL

Complaint narrative:
I am submitting this complaint to report ongoing violations of my consumer rights by XXXX, XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related CFPB regulations. Since XXXX I submitted multiple written disputes to all three credit reporting agencies requesting that they mail me all physical, verifiable proof that the charge-offs and collection accounts appearing on my credit reports are accurate, valid, and legally enforceable. My requests specifically asked for this is the information : Documentation establishing my ownership and legal obligation for each disputed account Identification of who is verifying the accounts Copies of any contracts, assignments, or forward flow agreements demonstrating the transfer of the alleged debts Evidence that the accounts were properly investigated, not merely electronically verified In response, the credit bureaus have provided only generic statements indicating that the accounts were verified or updated. They have failed to disclose who verified the information, failed to mail me any documentary proof, and failed to provide the substantiating records required to confirm the accuracy and legal status of these accounts. This conduct violates my rights under the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to verify the information, including the name, address, and phone number of the furnisher 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681g ( a ) Failure to clearly disclose all information in my file upon request Merely stating that an account has been verified without providing competent, underlying documentation does not meet the FCRAs requirement for a reasonable reinvestigation. Automated or conclusory responses do not satisfy the law, particularly when I have specifically requested physical proof and chain-of-title documentation, including forward flow agreements. By continuing to report these charge-offs and collection accounts without providing verification or identifying the verifying party, the credit reporting agencies are publishing information that can not be independently verified, causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On or about XX/XX/year>, I sent a payment of {$350.00} via XXXX ( Transaction ID : XXXX ). The intended recipient did not receive the funds, despite the transaction showing as completed on my account. I filed a dispute with XXXX ( Case ID : XXXX ) on XX/XX/year>, reporting that the payment was sent but not received by the intended recipient. On XX/XX/year>, XXXX denied my dispute. In their resolution email, they instructed me to contact XXXX to request documentation used in the investigation and decision. However, I attempted to contact this email address multiple times, and each attempt resulted in an undeliverable error. As a result, XXXX has effectively denied me access to : - The evidence used to deny my claim - A meaningful opportunity to respond or appeal the decision - A functioning communication channel with their investigations team. This lack of access to supporting documentation and the absence of a working contact method prevents me from verifying the outcome of the investigation or correcting potential errors. I have also attempted to resolve this issue directly with XXXX through their support channels but have not received a satisfactory resolution or a working path to escalate my case. This situation raises concerns about the adequacy, transparency, and accessibility of XXXX dispute resolution process. I am requesting regulatory assistance in obtaining a fair review of this matter : 1 ) A full copy of all documentation and evidence used to deny my dispute 2 ) A good-faith re-investigation of my claim, including verification of whether the funds were actually received by the intended recipient 3 ) A functioning and reliable communication channel for dispute-related inquiries 4 ) Reimbursement of the {$350.00} if XXXX can not demonstrate that the funds were successfully received by the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Around the end of XX/XX/year> I contacted XXXX XXXX about an item that was never delivered to me and had been misdeliverd to another address. Costing {$390.00}. They told me it was delivered and there was nothing they were going to do and I needed to contact my bank if I suspected it to be stolen. I then contacted navy federal and opened a dispute with screenshotted messages and pictures of the misdeliverd item being at an unknown address from XXXX XXXX. After 3 months navy federal closed my dispute saying the item was delivered therefore they werent going to help.I then spoke with multiple supervisors not in the dispute center that told me to attach more proof and the dispute center would get back with me in 2-3 days. Well I sent in more proof of that the package was misdelivered to a wrong address and didnt get a reply till today which is over 2 weeks from the initial speaking to a supervisor. Theyre saying theres nothing they can do because they cant get money from the merchants bank to refund me. This while process and how long it took to receive any help is pathetic and they denied my dispute for no reason when I sent it plenty of proof. I will attach proof of items I have received in the past and they are always mailed to a mailing room and then the item that was misdelivered that was delivered to a random address. The original messaging screenshots with the merchant I no longer have the merchant has blocked me on all forms of contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX XX/XX/year>, a Chase representative made an administrative error and applied for Chase Sapphire Preferred credit card on my profile instead of Chase Sapphire Reserve that I requested. To correct their mistake, a physical Chase branch XXXX instructed me to close the Sapphire Preferred card so they could resubmit an application for the correct card. However, because both cards share the same Sapphire family, Chase automated underwriting system instantly issued a denial for the Sapphire Reserve application due to automated velocity and duplicate account flags triggered by the bank 's own internal error. The branch XXXX stated they ESCALATED the issue internally but did not provide me with a service ticket number, reference number or resolution deadline. Chase internal error have caused unauthorized hard credit inquiries on my credit profile, and their system block is actively preventing me from accessing a premium financial product I qualify for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I was taken advantage of by a plumber that came to my house, he worked for XXXX plumbing and restoration. He had me sign for a jeep from a car dealer. It was the middle of the night and i had taken a sleeping pill and had also been under the influence of alcohol, when He and a representative of the car dealer came to my house and had me sign the contract. I still dont remember that night, I was XXXX at the time, now the debt has been sent to collections. I have never taken possession of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation