vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Kikoff Inc.
State: VA

Complaint narrative:
Grant cash advance I have been using it for quite some time since last year and I have made every repayment to this company. All of a sudden I made one complaint, they want to turn it around and make me the bad villain when I have proof of being a wonderful customer to this grant cash advance. I have made every repayment, and I have screenshots to prove it when I made the small complaint, hoping that they could give me some information they wanted to go back in their records. Ive made every repayment and they told me I owe them {$100.00}. Ive paid that and they did not credit it to my account then I was able to get other cash advance, which I repay them back one complaint equals oh you owe us this amount of money you owe us that amount of money or you cant get this and you cant get that. This is why companies like this should not exist with the proper communication and with customers using it, they dont disclose a lot of things and Im a person that do pay attention and analyze every single thing. The payment that I made of {$100.00} which was all the way back last year that theyre talking about was not credited so I made sure that they credited it to my account which they said they did all the way up. I have screenshots of repayments that Ive made, and it went through and it was repaid on time. If I could not make the payment, then I they will allow me to extend the date to repay and when they extend the date to repay, I always pay it back to me. I feel like if you make one small complaint, they make a huge step back on what you didnt do maybe a year or two ago if you were using them and if I have proof of all the screenshots that Ive repaid on time and theyve got their money, then shame on them for trying to not give me money that I couldve used to pay a couple of bills which thats what I was trying to do so I didnt get in the bend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I missed a phone call. I called the number back with in 1 minute. A woman answered the phone and asked who she was speaking with. I gave my name. She tried to get me to give her my birthday, and my personal and banking information before she would identify herself and why she was calling. I told her if she already had my information that she needed to tell me what it was and I would either confirm or deny it was correct. She proceeded to tell me that if she gave me that information that I could pretend to be anyone. I proceeded to tell her that I had, had my identity stolen in the past and that she could be pretending to be someone she was not. I went on to explained that I was going to report the call. She said it was my right to. So I am.

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo processed an unauthorized {$1500.00} transaction from my Venmo balance on XX/XX/XXXX at XXXX XXXX. I have been unable to reach a live fraud representative because the support system only loops through automated options. I am requesting a formal fraud investigation and recovery review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My fiduciary company XXXX XXXX, sent an ACH payment in the amount of {$36000.00} to my Wells Fargo business checking account ending in XXXX. The funds were released and cleared on XX/XX/year>. I began paying bills and spent an amount of about {$8000.00}. My account froze the next day. When I called to inquire as to why, they told me that " something '' fraudulent had taken place with the recent ACH payment. I called numerous times and filed numerous complaints. I received a different answer each time. I was finally told to reach out to matrix and have them request the funds returned. I did that and XXXX agreed to request a return. Wells Fargo denied the return. " The bank has revoked the provisional credit for the below due to RETURN CODE : R16-ACCOUNT FROZEN. The reclaim was not successful. XXXX XXXX XXXX '' This is what was sent in an email to me. I reached out to Wells Fargo today. Their only suggestion is for me to reach out to XXXX to request again. I'm going in circles and my funds are tied up. I'm late on my mortgage and am acquiring late fees from every angle.

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 2026-05-21 00:00:00
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
From XXXX through XX/XX/XXXX, my XXXX XXXX XXXX card was set up for one autopay, but two separate payments were withdrawn from my Chase checking account every month. The second payment was for different amounts and on different dates than the authorized one. When I canceled my authorized autopay in XX/XX/XXXX, both payments stopped on the XXXX statement. I escalated this to Citis Executive Response Unit twice with proof, but they refused to refund me and told me to contact my bank. I have attached Citis response letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was approved for a modification workout at the start of the year. It was a three month trial starting in XXXX and ending in XXXX. I made the first trial payment in XXXX but had a mishap in XXXX. My job gave me my check on XX/XX/year> and when I went to deposit it into my bank account so I could make the payment my bank held my money for several days. I was not able to make the second trial payment in time. The lender then canceled the workout and refuses to let me reapply for loss mitigation and only offer me liquidation workouts which I do not want to lose my home.

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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I received the new policy on XX/XX/XXXX and chose to cancel my policy on XX/XX/XXXX. The effect date was XX/XX/XXXX. On XX/XX/XXXX, I received a notice that my homeowner 's insurance was delinquent by the amount of {$120.00}. While investigating this delinquent payment. XXXX then assessed that I owed {$100.00}, which is for an insurance policy that was cancelled. It has now been sold to Credit Collection Services, who is harrassing me for the payment. According to XXXX, if the premium is not paid, the policy is automatically cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
i was turned down on a loan. i pulled my credit report and there were two accounts in collections that were paid in full almost 10 years ago or longer. i had been getting text messages recently and i knew it was a scam and i never responded. The collection agency is LVNV Funding LLC LVNV Funding LLC XXXX - XXXX. All Rights Reserved THIS IS THE 2ND ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank , N.A . executed a system-wide closure of my credit card accounts without prior warning. I received electronic notification letters inside my online banking portal on XX/XX/2026, with the notices officially dated XX/XX/2026. Prior to this involuntary shutdown, I had accrued an active balance of proprietary XXXX XXXX points through regular, valid transaction spending across my network of cards. My exact finalized balances at the time of closure are : ( 1 ) Chase Sapphire Reserve for Business : XXXX available points ( + XXXX pending points ) ( 2 ) Chase Freedom : XXXX available points ( 3 ) Chase Freedom XXXX : XXXX available points My combined active rewards balance equals XXXX XXXX XXXX points, representing a direct contractual cash-equivalent value of {$410.00}. To fulfill my absolute financial obligations to the bank, I have already initiated an external electronic payment from my XXXX XXXX XXXX account to fully satisfy the remaining statement balance to exactly {$0.00} out-of-pocket. Despite this pending payoff clearing the ledger, frontline customer service agents and unverified supervisors have blocked my account redemption functions and refused to allow me to extract my rewards assets, claiming the balance is 'ineligible for redemption. ' I am formally citing Consumer Financial Protection Circular XXXX ( Credit Card Rewards Programs ) [ XXXX ]. Under federal regulatory guidelines, banking institutions engage in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) when they unilaterally forfeit or refuse the redemption of previously earned rewards assets upon an issuer-initiated account closure [ XXXX ]. Furthermore, the bank has failed to reverse a charge listed on my statement as an 'ANNUAL MEMBERSHIP FEE ', which posted to my Sapphire Reserve for Business profile on XX/XX/2026. This account was originally approved on XX/XX/2026. Because the bank terminated the account on XX/XX/XXXX, XXXX than 30 days after activationthe account was closed well within the mandatory 30-day grace period governing annual fee refunds. The bank is currently withholding this fee reimbursement in violation of standard account cardmember agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, Time : XXXX, location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I used an ATM to withdraw {$80.00}, but the machine only dispensed {$40.00}. The full {$80.00} was deducted from my account. I filed a dispute with PayPal, but after a temporary credit was issued, the credit was later reversed. I believe this was an incorrect investigation because I never received the full amount of cash. I am requesting that PayPal and/or the ATM operator review the ATM balancing records, transaction logs, and any available camera footage for the transaction. I would like reimbursement for the missing {$40.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi purchased XXXX XXXX XXXX XXXX XXXX credit card portfolio, which included my account ( XXXX XXXX XXXX XXXX XXXX ending XXXX ). Citi set up a transition date of XX/XX/XXXX for all accounts in the portfolio. My last statement date with XXXX was XX/XX/XXXX. Because I have auto-payment set up with XXXX prior to the payment due date of XX/XX/XXXX, this auto-payment did not take place because Citi/Barclays did not migrate these settings XXXX I received a generic letter from Citi dated XX/XX/XXXX ( received around XX/XX/XXXX ) indicating that the account was moved, and that I would receive a new card and account information in XXXX weeks. When I received the letter, I tried to set up my Citi online account, but this failed for technical reasons. I didn't have a chance to call Citi technical support until today ( XX/XX/XXXX ), when the phone agent was able to link the migrated card to my existing Citi online account. Once I had access online, I was able to see a " past due '' balance ( since the auto-payment didn't execute ), and I also paid the full statement amount from my XX/XX/XXXX statement. The phone agent was able to manually submit a request to credit the {$50.00} in interest charges that appeared on the XX/XX/XXXX Citi statement ( which I had not received in the mail or online until I proactively called Citi ), but I will need to call back after my XX/XX/XXXX statement in order to remove the additional interest that may have accrued since XX/XX/XXXX. This was a convoluted process that was optimized to save Citi on their migration costs ( and increase their interest fees ) while pushing cost and frustration to me and other consumers. Citi did not notify me about any past due payments in a timely manner, and Citi should not have been allowed to trigger interest charges to consumers when they knew consumers would not immediately be able to access their statements, account, payment information, etc. Citi should have accounted for these costs on their side as part of acquiring the credit card portfolio from XXXX, and they should have frozen interest fees for consumers during the transition period when consumers like me could not access our accounts or receive any notifications about accounts. Instead, Citi has forced me ( and likely other consumers ) to spend multiple hours on the phone sorting out the issues they should have clearly foreseen. I will be forced to call back in a month after my XX/XX/XXXX statement to deal with interest charges that I should not been charged in the first place -- and should not be forced to call to deal with.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a new Capital One XXXX account and used it only for ordinary household purchases including groceries, fuel, dining, and XXXX purchases. Shortly after activation and adding the card to XXXX XXXX, the account was restricted for activity inconsistent with typical customer usage. I have not engaged in any fraudulent, cash-equivalent, or abusive spending activity. My balance utilization was low relative to the {$30000.00} credit line, and no payments were returned. I requested clarification and an opportunity to verify my identity or provide documentation, but customer service stated this was a bank decision without providing meaningful explanation. The only explaination provided was that the decision to close the account was due to " activity inconsistent with typical customer account usage ''. I am requesting a manual review of the restriction/closure decision and the opportunity to provide any identity or financial verification needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-05-21 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that YOU, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint [ XXXX ] ), along with PROOF that I was impacted by Data Breach. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Prince Parker & Associates
State: NJ

Complaint narrative:
I have collection on my XXXX for a phone bill but the collection is no longer with that company anymore so want it removed from my credit report since I have paid the collection where the account is currently at. The creditor that no longer has this account is XXXX XXXX XXXX XXXX and it is on my credit card report as open and they are the collection account anymore want it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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