vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have attempted to open a checking account with multiple banks and financial institutions and have been denied without a clear explanation. The denials appear to be based on consumer reporting information, but I was not provided specific details, proper notice, or steps on how to resolve the issue. 

I was not given clear information about what is being reported, whether the information is accurate, or how I can correct or dispute it. As a result, I am unable to open a basic checking account, which has limited my ability to manage my finances and receive income. 

I am requesting transparency regarding the reason for the denial and confirmation that all applicable consumer protection laws were followed during the account review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Re : Credit Report Dispute Bank of America Late Payment ( {$99.00} Balance ) To Whom It May Concern, I am writing to formally dispute a late payment reported by Bank of America on my credit report relating to an alleged {$99.00} outstanding balance.

This negative reporting is inaccurate and incomplete. Prior to the reporting of this item, I had multiple discussions with Bank of America representatives on recorded customer service lines, during which I was expressly advised that the matter would be resolved and that no negative credit reporting would occur, or that any reporting associated with this balance would be removed or corrected.

I relied on these representations in good faith. Despite those assurances, the late payment was subsequently reported, which does not accurately reflect the substance of my communications with Bank of America or the resolution that was promised. 
Accordingly, I am requesting that XXXX  reinvestigate this item under my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Verification must include confirmation that Bank of America disclosed the full context of the recorded communications and the representations made regarding credit reporting.

If Bank of America is unable to fully substantiate this item with complete and accurate documentation, I respectfully request that these late payments be removed from my credit file.

Please notify me in writing of the results of your reinvestigation.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Subject : Illegal Debt Parking and violation of Regulation F. 

Complaint : I learned about this debt ONLY through a third-party credit monitoring alert on XX/XX/year>. The account was actually reported to the bureau on XX/XX/year>. 

I never received any written notice ( Validation Notice / Dunning Letter ) from Sunrise Credit Services PRIOR to this reporting. 

Posting a debt to a credit report before sending a validation notice and waiting a reasonable period is a violation of the FDCPA and Regulation F ( 12 CFR 1006.30 - Passive Collection/Debt Parking ). 

I contacted the agency myself on XX/XX/year>, immediately after receiving the alert. This forced contact does not cure their initial violation of parking the debt without notice. 

Additionally, I sent a formal Debt Validation letter via Certified Mail ( Delivered XX/XX/year> ), but based on their illegal reporting practices, I demand immediate deletion of this trade line.

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 2026-01-01 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: ProCollect, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

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 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This is my second complaint against collection agency they have responded yet not answered the complaint appropriately with all documentation requested to prove validity of it being my debt and having a signed agreement bearing my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing a formal complaint regarding a loss of approximately {$1000.00} in XXXX associated with my Robinhood Wallet. 

I did not knowingly authorize or initiate the XXXX transfer that resulted in this loss. When I contacted Robinhood support, my case was repeatedly transferred and ultimately denied on the basis that Robinhood XXXX is a self-custody product. 

Robinhood has stated in writing that it can not confirm whether the transaction was authorized by me, can not review device or access activity, and can not investigate potential unauthorized access or security issues. Despite this, Robinhood maintains that I am fully responsible for the transaction. 

I dispute this conclusion. While I understand blockchain transactions are irreversible, my complaint concerns whether the transaction was properly authorized and whether adequate security oversight or investigation was performed before assigning responsibility. 

Robinhood has refused escalation and closed the matter without providing evidence that I authorized the transaction. I am requesting regulatory review of Robinhoods handling of this issue, including whether its disclosures, security practices, and support processes are adequate for consumers. 

XXXX ID provided by Robinhood : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a medical collection account on my credit report. The credit bureau reported the account as verified. 

I then submitted a written request for the method of verification, asking how the account was verified, the furnisher contacted, and the procedure used. 

Despite proof of delivery, the credit bureau failed to respond and did not provide any method of verification. 

The account continues to be reported without disclosure of how verification was performed, which is particularly concerning given the medical nature of the debt.

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 2026-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I disputed a medical collection account on my credit report. The credit bureau reported the account as verified. 

I then submitted a written request for the method of verification, asking how the account was verified, the furnisher contacted, and the procedure used. 

Despite proof of delivery, the credit bureau failed to respond and did not provide any method of verification. 

The account continues to be reported without disclosure of how verification was performed, which is particularly concerning given the medical nature of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dates Are Listed On Documents, Unathourized Charges made On My Business Checking For Service Charges & XXXX XXXX  Charges. I Have Contacted The Companies But They Claim It Was Not Them But Maybe The Bank Tellers Commiting Fraud On Your Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Not Reversed Charges Yet. Claim Numbers & Dates Listed On Documents. Requesting A CFR Title 5 Performance Check On My Two Checking Accounts Business & Personal. The ard XXXX XXXX XXXX Charges Are Connected.

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 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern, I am writing to request an urgent escalation and formal review regarding an apparent account takeover and a series of unauthorized domestic wire transfers from my JP Morgan Chase checking account. 
Both my husband and I hold accounts at the JP Morgan Chase bank branch located at : XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
Beginning XX/XX/XXXX through XX/XX/XXXX of 2025 a series of domestic wire transactions to a XXXX XXXX account depleted our checking account without our knowledge or permission. Our account was hacked and our access was blocked, with a default error message, until we sensed something fishy and arrived at the bank on XX/XX/XXXX of 2025 to enquire on what transpired. A total of {$200000.00} of our hard-earned money was wire transferred to XXXX XXXX account without our knowledge. No text notification, no email alerts, no security features whatsoever. 
The bank had no answers for us, all the managers were dumbfounded at their own negligence. We filed a claim with the bank ; however the bank declined our claim. Please request FDIC to cover as this is clearly not our fault. My account address was changed by bank without my permission to some prank address in Florida. We immediately filed a police report for XXXX XXXX on XX/XX/XXXX. Please see the attached Incident Information Slip and Bank Statement. 
The bank failed to provide login history, devise IP information or authentication records. 
No progress has been made after XXXX stressful months of contacting the local Chase Branch on XXXX XXXX. The bank cybersecurity has failed to meet that standard, demonstrating extreme inattention to protecting data. This a clear case of IT Negligence crime. 
Please note that I am expecting my XX/XX/XXXXchild and have been traumatized for the past couple of months to resolve this loss. Please advise on what additional documentation you need from me to support reimbursement and recovery efforts. This has caused significant Financial and emotional hardship for my family and I am requesting time-sensitive handling. You can contact me at XXXX. 
Attached : Incident information Slip Relevant bank statement pages showing wire transfers Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My husband passed away on XX/XX/XXXX and I heard back from XXXX office regarding my income moving forward of $ 3056 Monthly. I knew I would not be able to afford the mortgage payments moving forward and also my other bills such as electric, gas, water etc. I contacted rocket mortgage who told me in order to apply for a loan modification I would have to show one or two payments behind. I did not pay for XX/XX/XXXX. I received a call on XX/XX/XXXX advising me that my application was denied. They never asked me for any proof of my XXXX award letter or bank account, etc. So not sure what they based their denial decision on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Block, Inc.
State: MO

Complaint narrative:
On XXXX XXXX at XXXX. I sent {$3.00} to XXXX XXXXXXXX from XXXX XXXXXXXX with the transaction number # XXXX. I was having issues with my XXXX cashapp account that is why the XXXX account was opened. After I sent the money I went to log in to the XXXX XXXXXXXX account and got the error code This account doesn't exist or can't be recovered. I do not have access to that email and the phone number associated with that account has been reassigned to someone else by now. And when the cashbot told me the money could of been sent to an account with the phone number that was associated with my XXXX XXXXXXXX I was very upset and mad due to the fact I do not know who maybe using that phone number that was associated with my account I can not recover. And how was I able to make an account using the cash tag XXXX XXXXXXXX if an account with that same cash tag can not be recovered. I'm very upset at cashapp for letting a transaction be complete it the account is no longer active for any reason without any kind of warning message. I have a screenshot of the receipt of this transaction as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: NE

Complaint narrative:
In XXXX of XXXX I reopened a claim from XXXX with my car insurance due to hail damage. The insurance company deemed it a total loss, and Global lending service was paid in full. They refused to allow me to purchase the vehicle back because it was considered a total loss. I explained to them it wasn't in any type of accident and the damage was caused from hail. At this time I had paid on the vehicle for XXXX  years. I paid XXXX dollar. Moreover my insurance company paid an additional XXXX dollars to pay the vehicle off. I was issued a refund for less then XXXX for something I had paid XXXX for. I wanted to purchase the vehicle back as it was still drivable and the damage was cosmetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I was contacted several times over the phone which I had direct communications with one of their agents representing FMS Financial Solution. After being told all communications will be recorded, as I approved, I was read a series of financial information which I was told was relayed to their service, a debt amount in depute being filed in the amount of over {$17000.00} which is completely inaccurate, and upon myself explaining in detail, I was told the party that supplied the information of the financial amounts, might have errored thinking I was still residing at their properties [ XXXX XXXX XXXX ] which is completely false as I entered into an agreement to vacate their unit and it was substantiated in the District Court of Maryland for XXXX XXXX versus XXXX XXXX, XXXX, case number XXXX. The Total amount listed on that Docket was {$4600.00} NOT {$17000.00} as The FMS is trying to say I owe. I did not reside at their property for the stated amount to accumulate to over {$17000.00}. I voluntarily with the rental agents knowledge and presenting of the keys to that unit and the immediate understanding that I had vacated the premise and if not, I would have been forcibly removed by the sheriff department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
With no explanation, PayPal decided to permanently limit my account. This limit prevents me from transferring or using my PayPal balance. They were unable to give me an explanation, other than my account activity was not deemed appropriate for PayPal guidelines. I have had this account for over 17 years. After my own review, there is no suspicious activity on my account. They are now stating they will hold my balance funds for 120 days before releasing them. I use this account to receive money and send money to family and friends, and to purchase goods and products online. This abrupt limitation has caused major issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within XXXX  days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information please contact me at :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Ok on XX/XX/year> a pay anyone transaction had been made from my account in the amount of {$1400.00} I had just sold my car and moved the money from my cash app to my chime account at some point my phone was lost or stolen and the XXXX XXXX  was sent from my chime to a different person with a pay anyone transfer and as I already said I lost my cell phone or it was stolen I reported this to chime as an unauthorized transaction but they said the transaction was authorized now how in the heck can I authorize a transaction when I no longer had access to the device with my chime account on it the bad thing is I sold my car to buy my kids XXXX and thanks to whoever stole or took my phone I couldn't get my kids anything for XXXX and its sad I can't get chime to investigate into this transaction I think they just looked at my dispute and said it was authorized when I diddent authorize anything of the sort

Company response to consumer: Closed with explanation