vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: ID

Complaint narrative:
In XXXX I had a fraudulent account charged to me. I disputed with XXXX, they investigated and sided with me and was supposed to delete account. It went to Jefferson Capital in XX/XX/XXXX. I tried disputing with them and wanted to charge {$300.00} to file dispute. I then went back to XXXX and disputed. Once again they sided with me and erased account and credit repaired. In XXXX of XXXX the about from Jefferson Capital came back again! I tried to dispute with them and then wanted to charge {$200.00}, and after a while arguing cause I won't pay a XXXX. They then proceeded to say they could drop it down to {$99.00} to file the dispute! I then went back to XXXX and filed dispute and they said that they would have it removed and the account had been compromised and what Jefferson had been doing our actually illegal. Now today more calls from collection companies on same account! Please if possible look into this matter and help if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/year> I purchased a set of XXXX XXXX XXXX from XXXX using PayPal XXXXXXXX XXXX XXXX. The total transaction amount was approximately {$700.00}, with installment charges of approximately {$170.00} each. The parts were advertised as genuine XXXX XXXX and listed as compatible with my vehicle. The injectors were installed by a licensed mechanic. Immediately after installation the vehicle began experiencing drivability problems and diagnostic trouble code P219B ( air-fuel ratio imbalance ). The mechanic rechecked the installation and confirmed there were no installation errors, wiring issues, or fuel leaks. Because engine control modules sometimes require time to adapt to new injectors, I was advised to drive the vehicle to allow the ECU to relearn fuel trims. I drove the vehicle for several months through many drive cycles, but the issue never resolved. Further diagnostics and research using the Mopar parts catalog with my VIN confirmed that the injector revision sold by XXXX ( XXXX ) is obsolete and has been superseded by XXXX part number XXXX for my vehicle. Because the ECU calibration expects the newer injector revision, the older injector design is incompatible and caused the fuel imbalance issues. I contacted XXXX and provided documentation including my VIN, manufacturer supersession information, and diagnostic data showing the injectors were incompatible. XXXX refused to provide a refund and would only offer a replacement with the same obsolete injector revision. On XX/XX/year> I attempted to dispute the transaction through PayPal. PayPal denied the dispute almost immediately, stating that the case was filed more than 30 days after delivery. Because the merchant refused to resolve the issue and PayPal declined the dispute, I filed a dispute with XXXX on XX/XX/year> for the PayPal XXXXXXXX XXXX XXXX charges of approximately {$170.00} each. XXXX investigated the matter and issued a chargeback. The dispute was resolved in my favor and the merchants opportunity to challenge that decision expired. XXXX considers the investigation complete. Despite the final chargeback decision, PayPal later informed me that the XXXXXXXX XXXX XXXX balance had been sent to a collection agency, XXXX XXXX XXXX. PayPal stated that when XXXX issued the chargeback the funds were taken from PayPal rather than the merchant, so their system considers the XXXXXXXX XXXX XXXX XXXXoan unpaid. This debt should not exist because the underlying transaction has already been resolved through a final chargeback and the merchandise sold was incompatible with my vehicle and not fit for its intended purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX on my TransUnion credit report. I contacted TransUnion and XXXX multiple times over the past several months, providing documentation from the original creditor showing the account was reported in error. The original creditor confirmed in writing that the account was reported by mistake. XXXX only provided a copy of the original creditors statement and pictures, not their own verification, receipt, or proof of assignment. TransUnion verified the account without providing any documentation or method of verification, despite the supporting evidence. I requested verification documents and the method used, but none were provided. I am requesting the account be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Im writing to dispute the validity and accuracy of the alleged debt. I am formally requesting validation of the debt pursuant to my rights under the Fair Debt Collections Act. At this time, I dispute the amount being claimed as inaccurate. In addition I would like sufficient documentation demonstrating that I am legally obligated to pay the amount you claim. As well as original term debt, you must cease all collection activities regarding this account. If this account is being reported to any agencies, please note that this debt is in dispute. If you are unable to provide validation, I am requesting this account be removed from my credit file and all collection attempts are ceased immediately. I expect your written response within 30 days of this receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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:
U.S. bank closed my checking account and CD and had not released my money. They said it would take XXXX days to receive my cashiers check based on their decision to close my account. How can they just close my account, lock my online access and sit on my money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: ND

Complaint narrative:
Jefferson Capital Llc has fraudulently reaged my account. I have proof. They should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I don't have dates but they are capital one credit card, I told them someone stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Rocket Mortgage failed to send me any of my monthly mortgage statements. I rely on my mortgage statements to pay my bills on time. The company confirmed I was set up for paper billing, but they did not send them anyways. They claimed they sent me XXXX statements. Now they did send XXXX mail pieces, but they were a notice about housing counseling, a notice of unpaid mortgage, and another notice of unpaid mortgage. Further, Rocket Mortgage wouldn't allow me online access, so I had no way to pay the bills. Rocket Mortgage bought my loan from a different company. Despite my loan being transferred to Rocket Mortgage, they did not honor the XXXX days of no fees. The company tried arguing that they bought my mortgage, so that doesn't count as a transfer. But last I checked, banks aren't giving away mortgages for free. So whether you bought my mortgage as a single item, part of a package, or part of a company, it's still a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Constantly showing up I to court for cases and having to pay multiple court fees. It is really hurting my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
THIS MORNING, MONDAY XX/XX/XXXX, I RECEIVED A TEXT MESSAGE FROM XXXX TELLING ME : " AFTER CAREFUL REVIEW, WE'VE MADE THE DECISION TO CLOSE YOUR ACCOUNT ( S ). '' NO ACCOUNTS NUMBER WERE PROVIDED. I THOUGHT THAT WAS A SPAM BUT I CALLED CHASE CUSTOMER SERVICE ANYWAY TO MAKE SURE. I WAS TOLD MY SAVINGS AND CHECKING ENDING IN XXXX WILL BE CLOSE ON XX/XX/XXXX. NO FURTHER INFORMATION COULD BE PROVIDED. I WAS ASKED TO GO TO THE BRANCH IF I NEED MORE INFORMATION. ONCE I GOT TO THE BRANCH, I SPOKE WITH ONE THE LADIES ON THE DESK AND SHE LOOK UP THE ACCOUNTS AND TOLD ME YES THEY ARE BEING CLOSED ON XX/XX/XXXX. SHE HAD NO MORE INFORMATION. I ASKED HER TO FILE A COMPLAINT FOR ME SO SOMEONE CAN LET ME KNOW WHAT IS GOING ON. SHE DID FILE THE COMPLAINT AND ALSO INFORMED ME THAT SHE WOULD INFORM HER MANAGER TO SPEAK ON MY BEHALF. 5 MINUTES LATER, BEFORE I REACHED HOME, THE MANAGER CALLED ME AND INFORMED THAT THE ACCOUNTS ARE BEING CLOSED BECAUSE ON XX/XX/XXXX THE BRANCH CALLED ME TO ASK ME FOR SOME INFORMATION AND THEY DID NOT GET ME. I INFORMED HER THAT I WAS OUT OF THE COUNTRY ON THE XXXX AND I HAVE NEITHER RECEIVED ANY TEXTS, EMAILS NOR LETTERS REQUESTING ANY INFORMATION. FURTHERMORE, SINCE I GOT BACK ON THE XXXX, I HAVE BEEN IN THE BRANCH MORE THAN 3 TIMES AND NO ONE EVER TOLD ME ANYTHING. I AM WELL KNOWN IN THE BRANCH. EVERYONE KNOWS ME BY NAME. SHE THEN INFORMED ME THAT SHE WOULD RESPOND TO THE EMAIL THAT SHE RECEIVED FROM THE CENTRAL OFFICE INFORMING THEM THAT SHE SPOKE WITH ME. SHE ALSO PROVIDED ME WITH A NUMBER TO CALL TO INFORM THEM THE SAME. HOWEVER, WHEN I CALLED I WAS JUST TOLD THAT THEY ARE BEING CLOSED ON THE XXXX OF XXXX AND NO OTHER INFO COULD BE PROVIDED. I HAVE NO DOCUMENTS TO ATTACHED SINCE I DID NOT RECEIVE ANYTHING IN WRITING BESIDES TODAY TEXT MESSAGE. I JUST NEED MY ACCOUNTS TO STAY OPEN. THAT IS ALL I NEED. IF I MADE A MISTAKE OR DO SOMETHING THAT I SHOULD NOT HAVE DONE. I WOULD ALSO LIKE TO KNOW IT SO I DO NOT DO IT AGAIN. ACCOUNT NUMBERS : XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I paid {$740.00} using my Bank of America credit card to a merchant called XXXXXXXX XXXX XXXX for an online tax education bundle advertised as including nine courses plus the XXXX program. After the purchase, several services that were part of the bundle were not delivered as promised, including the XXXX program at the time it was required. Because the XXXX program was not delivered when promised, I had to obtain the XXXX through another provider in order to remain compliant. I filed a dispute with Bank of America regarding the transaction. The bank denied the dispute stating that it could not confirm that I was supposed to receive something different from what I received. I later provided additional documentation and requested a second review. Bank of America conducted a reevaluation but again denied the dispute using the same reasoning, stating that they could not verify that the services promised by the merchant were different from what was delivered. My concern is that the merchant later uploaded content after the dispute process had already started in order to claim that the services had been delivered, even though the required program was not provided when it was originally needed. Despite providing additional documentation, the bank maintained its decision and did not reverse the charge. I am requesting that Bank of America review the dispute again and evaluate the timeline of when the services were actually delivered versus when they were promised and required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
Dear Source Receivables Management, I am formally writing because there is a collection account does not belong to me under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting ACT ( FCRA ) 15 U.S.C 1692g validation of debts. They are in violations of 15 U.S.C 1692c,15 U.S.C . 1681i method of verification. Must I further remind you that failure to comply with these congress federal laws will constitute wilful non compliance 15 U.S.C 1681n which will make me entitled to {$1000.00} per FCRA violation. This writing serves a notice of intent to sue. No resinsetion is allowed and prohibited by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
FORMAL BALANCE DISPUTE XXXX ACCOUNT CORRECTION Subject : Request for Immediate Correction of XXXX Account Balance To Cash App Support, I am submitting a formal dispute regarding my XXXX account balance. After reviewing all posted and pending transactions, it is clear that my available balance has been calculated incorrectly. Several valid credits were not added to my balance, and multiple declined or failed transactions appear to have been counted against me. Below is a complete, accurate ledger of my XXXX activity based solely on the transactions that actually affect a Cash App balance. This includes all posted and pending debits, all valid credits, and all reversals. Declined, failed, or Not Enough Cash attempts are excluded, as they do not legally impact a balance. -- - VALID CREDITS ( MONEY IN ) XXXX These funds were successfully added to my account and must be reflected in my balance : + {$100.00} XXXX XXXX + {$20.00} XXXX XXXX + {$15.00} XXXX XXXX + {$40.00} XXXX XXXX + {$100.00} Cash App Borrow + {$25.00} Cash App Borrow + {$36.00} Afterpay Reversal ( credit returned to my balance ) + {$3.00} Bitcoin Sell + {$2.00} Bitcoin Sell + {$1.00} Bitcoin Sell Total Credits : {$340.00} -- - VALID DEBITS ( MONEY OUT ) XXXX These are the only transactions that should reduce my balance : XXXX purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( counted as spending ) Total Debits : {$200.00} -- - INVALID CHARGES ( DO NOT AFFECT BALANCE ) These transactions were declined, failed, or marked Not Enough Cash. They do not legally reduce a Cash App balance and must not be included : Declined transactions Not Enough Cash attempts Skipped payments Crossedout transactions Afterpay reversals ( these are credits, not debits ) -- - CORRECT BALANCE CALCULATION Total Money In : {$340.00} Total Money Out : {$200.00} Correct XXXX Balance : {$130.00} This is the accurate balance based on all posted and pending transactions. -- - REQUEST FOR CORRECTION I am requesting that Cash App : 1. Correct my XXXX balance to {$130.00}, OR 2. Provide a written explanation identifying exactly which transactions justify a different balance. I have provided a complete and accurate ledger. Please review this dispute promptly and correct the balance accordingly. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Iv paid a debt off and Experian is refusing to delete because they said its not paid Iv provided proof I paid it off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I made my first payment on this auto loan in XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX, I made consistent and often above-required payments, including several large lump-sum payments. During this period I paid approximately {$26000.00} toward the loan. Despite this substantial payment history, my principal balance decreased by only about {$2500.00} {$2800.00}. Santander XXXX XXXX transaction history repeatedly shows large payments that were not applied to principal, and the principal column is frequently listed as -- with no explanation. In many months the loan balance remained unchanged despite significant payments made in good faith. This pattern began with my first payment and continued across XXXX, XXXX, and XXXX. I was never clearly informed that the loan structure would cause years of payments to result in little or no reduction of principal even when making excess payments. Based on a conservative review of my payment history, I estimate that approximately {$5000.00} {$8000.00} in excess payments were made above the required monthly amounts. Even under lender-favorable assumptions, a reasonable principal credit of approximately {$2000.00} {$5000.00} should have been applied. I am requesting a full servicing audit from XX/XX/XXXX forward, including a complete amortization schedule and detailed payment application history, as well as remediation in the form of a principal adjustment or interest re-credit consistent with this correction range. Please see the attached payment analysis summary supporting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: HI

Complaint narrative:
I am an employee of the Department of Homeland Security and have been affected by the recent government shutdown, resulting in a loss of pay. I have made multiple attempts to request a deferment from my creditor due to these circumstances. I also provided a letter from my employer confirming my employment status and the impact of the shutdown on my pay. Despite these efforts, my creditor has continued to report my account as delinquent to the major credit bureaus. I am seeking assistance from the Consumer Financial Protection Bureau, as my creditor has not provided the support or relief I requested during this period of financial hardship. Thank you for your attention to this 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I am filing this complaint against Robinhood Markets regarding XXXX issues : an unauthorized charge and a suspicious email requesting sensitive personal information. On or around XX/XX/year>, I discovered an unauthorized charge of {$50.00} for a Robinhood XXXX membership that I did not knowingly authorize. I contacted Robinhood and was assigned Case # XXXX. During this process, I also discovered that a Robinhood Banking account had been opened without my clear intent or consent. Additionally, I received an email from Robinhood requesting my Social Security Number. This email appeared suspicious and potentially fraudulent. I flagged this concern to Robinhood as part of my dispute. I sent a formal dispute email to XXXX on XX/XX/year>. As of XX/XX/year>, I have received no substantive response, no refund, and no resolution of any kind. Robinhood 's failure to respond in a timely manner to a dispute involving an unauthorized charge and a potentially fraudulent communication is unacceptable. I am asking the CFPB to investigate and facilitate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XX/XX/year> - charge for too low of funds " service fee '' - which is a fraudulent charge by Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: DISCOVER BANK
State: CA

Complaint narrative:
We purchased an item online from XXXX XXXX XXXX on XX/XX/year> for {$77.00}. The item did not arrive and we asked for Proof of Delivery pictures. The company sent a written proof of delivery and refused to provide proof of delivery photos. We disputed the payment through XXXX, the company sent the same written proof of delivery without pictures, and XXXX refused to refund the payment. We disputed the charge payment on our Discover Credit Card to Discover. The company sent the same written proof of delivery without pictures and tracking information showing it was delivered. Discover refused to refund the money. We were finally able to track the item ourselves which now shows that it was never delivered and as of XX/XX/year>, the XXXX was returning it to the sender outside of the XXXX. This shows the seller sent fraudulent proof of delivery notices to XXXX and Discover to defraud us of our money. We have proven we never received the package, provided tracking proof from the company that the item was never delivered to us, was last tracked as being returned to sender, and Discover and XXXX still refuse to refund our purchase payment. The seller committed fraud, XXXX and Discover stand behind their fraud, and refuse to refund our money.

Company response to consumer: Closed with explanation