vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint against U.S. Bank regarding a hold placed on my Social Security XXXX check. On XX/XX/year>, I deposited a XXXX Treasury Social Security XXXX check in the amount of {$3400.00}. U.S. Bank placed a XXXX hold on these funds. This check represents my XXXX income and is my only source of funds for essential living expenses, including housing, food, and bills. The extended hold is causing significant financial hardship. I need access to these funds by XX/XX/year> to cover essential expenses. I went into a branch and was told there is nothing they can do because it is a back office hold. I am requesting that U.S. Bank review this situation and provide an early release of funds or at minimum a partial release due to hardship. This is a federal government-issued Treasury check XXXX which should be verifiable. I am requesting expedited review and reasonable access to my funds. I am asking for : XXXX. Immediate hardship review XXXX. Early release of funds OR partial access XXXX. Explanation of why such a long hold was placed on a government benefit check Thank you for your prompt attention to this urgent matter.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Back in XX/XX/XXXX I purchased an item via PayPal on XXXX XXXX 's website. The item didn't arrive and I refunded the purchase but PayPal sent me ~ {$70.00} less than what I paid. I disputed with XXXX as I paid via PayPal with a credit card, and I got the XXXX USD returned to me. Now, in XX/XX/XXXX, I got debited by PayPal for that XXXX USD. When I spoke to PayPal customer support back in XXXX they told me I will not get debited. When I called now to PayPal they told me there's nothing they can do. They said it's due to a currency conversion fee. When I paid via PayPal online there was no indication I'd pay {$70.00} to them for currency conversion and that in the case of refund I'd forfeit that amount. I don't believe I owe PayPal money in this case and I want them to remove the debit from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: PA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: NY

Complaint narrative:
XXXX of XXXX thru XXXX XXXX Amount : XXXX Phone was disconnected and not being used. They kept charging my credit card without notifying me, that any bill was owed, knowing full well the phone was not being used. Phone was broken, not even in service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Servicing Corporation
State: MS

Complaint narrative:
I have XXXX complaints about XXXX XXXX XXXX XXXX XXXX which include violations of XXXX XXXX, disparate impact/treatment, and just general poor business practices. Regulation F is the simplest. For the past XXXX days, they have been calling my husband multiple times a day to collect his payment, due on the XXXX. Weve asked for it to be changed to the XXXX or XXXX of each month due to my husband being a XXXX veteran that is only paid on the first of each month and have been told the request was put in twice, but both times that did not occur. To stay on track with my first point, my husband has spoken to an agent both yesterday and today, so calling again today violated XXXX XXXX. Next, as already mentioned, they have failed to change our due date, which means we have been unable to stay on their discounted plan for autopay. They informed us that in order to change it, we would need to make a payment for both the XXXX and the first to keep it currentessentially a double payment, though they refuse to acknowledge this, or that is disparately affects those on a fixed income, the elderly and veterans, both protected classes. Regardless, I attempted to to do it last month and the agent could not figure it out but said he was requesting the due date change. Finally, we attempted to refinance our mortgage using a VA program, and in order to do so required a subrogation letter from XXXX XXXX. They charged XXXX {$200.00}, and then proceeded to include a clause requiring the mortgage company ( our current company, not a new one ) to inform them prior to any foreclosure proceedings. The inclusion of that clause was refused by the mortgage companys legal team, so we could not refinance. Given the XXXX is ONLY on our solar panels, were not even changing companies, and we also lost {$200.00}, Im obviously not even a little impressed. Any XXXX of the above would be irritating, but all three push these companies practices from merely annoying to outright predatory. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint : I am filing a complaint against Capital One regarding an unresolved dispute. In XX/XX/year>, I made XXXX transactions ( {$10.00}, {$12.00}, and {$50.00} ) to the same recipient under the same circumstances for goods that were never received. I filed a dispute in XX/XX/year>. Capital One refunded the {$10.00} and {$12.00} transactions, confirming the validity of my claim. However, they denied the {$50.00} transaction despite it being part of the same purchase and situation. This is an inconsistent resolution. All three transactions were made together and should be treated equally. I am requesting that Capital One reinvestigate the {$50.00} transaction and provide a refund, or clearly explain why this transaction was treated differently despite identical circumstances. I believe I was a victim of misrepresentation or a scam and should be fully reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I do not accept the companys response. The company continues to rely on the cardholder agreement instead of addressing the facts of this case. A general policy statement does not explain or justify an unauthorized transaction. I did not authorize the {$190.00} transaction in XXXX XXXX, Nevada. I reside in Texas and still have the physical card in my possession. Therefore, it is not possible that I conducted a card-present transaction in Nevada. The company has not provided any evidence showing how this transaction was authorized. They have not stated whether the transaction was card-present or online, nor have they provided any supporting documentation. If the transaction was card-present, it is impossible because I have the physical card. If the transaction was completed without the physical card, then the card information was compromised, which contradicts the companys claim that there is no evidence of compromise. The statement that all transactions prior to notification are considered authorized is not reasonable in cases where the fraud occurs before the cardholder has any opportunity to report it. Additionally, directing me to resolve this with the merchant is not appropriate, as I did not conduct this transaction and have no relationship with that business. I am requesting : A clear explanation of how the transaction was authorized Confirmation of whether the physical card was used Any documentation supporting their conclusion Reimbursement of the {$190.00} unauthorized transaction The company has failed to provide a meaningful investigation or response to clear evidence of fraud. I am requesting further review and assistance in resolving this matter. This is what the company replied to me on my third time complain : XXXX XXXX XXXX ; I am reaching out again regarding the complaint you filed for the gift card # ending in XXXX for {$200.00}. We truly regret that you have experienced issues with your card that led you to file a complaint. I would like to acknowledge the frustration you have expressed and take a moment to clarify the situation and explain our policies further. According to the cardholder agreement, any charges made on the account before you notified us are considered authorized. As a courtesy, we do accept disputes and attempt to recover funds you report as unauthorized. However, we are unable to recover the funds in this case, so we can not return any funds to you. After thoroughly reviewing the account, we found no evidence of card compromise. We suggest you reach out to the merchant to possibly recover your funds thru that channel. Again, we apologize for the issues/inconvenience you have experienced with your gift card. Kindest Regards, XXXX XXXX Dispute Resolution XXXX Payments P. O. Box XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
continuously calling and calling my employer & harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am calling to file a formal complaint against Ally Bank. They have blocked my account and are refusing to release my funds or give me a timeline for when the hold will be lifted. I want to close my account and move my money to XXXX XXXX, but I can not even get my account number because I am locked out of the app. I have my debit card number and my Social Security Number to identify myself.

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 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/year>, XXXX unauthorized charges were made on my Apple Card account totaling {$1200.00}. The charges were from XXXX XXXX ( {$750.00} ), XXXX ( {$40.00} ), and XXXX XXXX XXXX ( {$440.00} ). I reported these fraudulent transactions to Goldman Sachs on XX/XX/year>, and my card number was immediately changed. On XX/XX/year>, an additional attempted fraudulent charge from XXXX XXXX was declined due to the updated card number, further confirming unauthorized access to my account. Goldman Sachs initially credited all disputed transactions. However, they later reversed their decision and reinstated the {$440.00} charge from XXXX XXXX XXXX XXXX formally disputed this charge a second time, clearly stating it was unauthorized. Despite this, Goldman Sachs denied my dispute again and is holding me responsible for this fraudulent transaction. This inconsistent handling of identical fraudulent activity raises serious concerns about the adequacy and fairness of their investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MD

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 XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX for unlawfully reporting a medical debt prior to the required XXXX waiting period. The date of service is XX/XX/year>. The account was reported to my credit file on or about XX/XX/year>, approximately XXXX months later. This violates established medical debt reporting standards and constitutes inaccurate furnishing under the Fair Credit Reporting Act. The company has failed to address this issue and instead responded with irrelevant claims of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apartment XXXX XXXX, ND XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint and Dispute Under FCRA & XXXX Theft ( XXXX XXXX Bank SS Account ) To Whom It May Concern, I am submitting this formal complaint and dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and identity theft protections under XXXX XXXX. XXXX. I have discovered fraudulent and inaccurate information being reported on my consumer credit file. Specifically, the account listed as : - Creditor : XXXX XXXX XXXX XXXX - Account Status : Open, Past Due - Reported Balance : {$2000.00} - Late Payments : XXXX This account is the result of identity theft, which I have already reported to the Federal Trade Commission. My Identity Theft Report reference number is : XXXX ( See attached documentation : FTC Identity Theft Report and credit report excerpts ) Under FCRA XXXX, I am requesting the immediate blocking and removal of this fraudulent account from my credit file. I did not authorize, open, or benefit from this account, and I am not liable for this debt. Additionally, under FCRA XXXX ( a ) ( XXXX ) ( A ), no furnisher may report information that is inaccurate or that they have not properly verified. The continued reporting of this account is damaging my credit profile and causing measurable harm. I demand the following actions : 1. Immediate investigation of this fraudulent account XXXX. Permanent deletion/blocking of the XXXX XXXX XXXX XXXX XXXXccount from all credit reporting agencies XXXX. Written confirmation of deletion XXXX. Cease all reporting of this account to any consumer reporting agency Failure to comply with this request will result in further action, including escalation for violations of federal law. This letter serves as notice that I am exercising my rights under federal law. I expect this matter to be resolved within the statutory timeframe of XXXX days. Sincerely, XXXX XXXX XXXX

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 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute all negative items on my credit report according to ( FCRA ) 15 U.S.C 1681, and the ( FACTA ) I recently became aware that my personal information may have been compromised in a data breach. Additional information provided by consumer : XXXX Consumer stated that he wants the complaint sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Rental debt that was not accurate and also falsified documents and dates on sheet provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for unemployment during the pandemic and never received a single dime until 2023. I have done the dispute process and XXXX XXXX was supposed to contact me but never did. They sent paperwork to do the BofA IRp. When i got to a certain step they would not let me submit the paperwork. Ir has been 4 years and still no funds returned. I lost my residence and storages due to their neglect. They told you that they did an investigation and in actuality they didn't they just gave us both of charges made saying that they were the same. Well common sense would tell them that someone stole my money and of course they kept the same scheme going. i never once saw a card until 2023. When they informed me that I received EDD. I paid taxes on money that i bever received which is against the UCC code subsection 4-406 ( a ) - ( c ), UCC subsection 4- 406 ( e ), UCC subsection 4A-202 and Regulation E.

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