vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>2026, I received an unsolicited email from Chase welcoming me as a " new '' Slate customer and offering 0 % APR forXX/XX/XXXX months. I have been a Chase customer forXX/XX/XXXX years. On XX/XX/year>2026, Chase sent a follow-up email stating the first email was sent in error, but explicitly promising the following as a courtesy : " As a courtesy, we will honor the 0 % APR on purchases and balance transfers made between XX/XX/year>2026 and XX/XX/year>2026. There's nothing you need to do. '' Before acting on this offer, I called Chase customer service to verify it was valid. A representative confirmed it was. Relying on this written offer and verbal confirmation, I made approximately {$31000.00} in purchases during the specified window, including a significant IRS payment I would not otherwise have made on this card. Despite this, I was subsequently charged interest on these purchases. I contacted Chase via secure message. A representative named XXXX confirmed in writing that a credit for the interest charge would appear on my next statement. A XX/XX/XXXX representative named XXXX confirmed in writing that " applicable adjustments will appear automatically on a future statement within XXXX to XXXX billing cycles '' and that no action on my part was required. Neither adjustment was made. When I called again, a supervisor told me the XX/XX/XXXX email was also sent " in error '' and that my only options were to write to the executive department or pursue small claims court. I have been charged approximately {$1000.00} in interest to date, with additional interest continuing to accrue monthly on a {$31000.00} balance at 18.99 % APR. Chase made an explicit written promise with specific dates and terms. I verified it by phone. XXXX separate Chase representatives confirmed in writing that corrections would be made. I changed my financial behavior significantly in direct reliance on Chase 's written promise. Chase is now refusing to honor it. I am requesting that Chase : ( XXXX ) immediately reverse all interest charges on purchases made betweenXX/XX/XXXX 2026 ; and ( XXXX ) apply the promised 0 % APR to those purchases for XX/XX/XXXXmonths as stated in their XXXX XXXX, 2026 email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Around XX/XX/year> I filed dispute on a counterfeit item received from a purchase in XXXX on XX/XX/XXXX for {$180.00}. I bought a kit of XXXX parts off XXXX seller. After receiving the parts and having them installed and spending the money to do so I realize the grease was coming out of my upper ball joint that was just installed and the boot had failed almost a day after installing. That led me to research counterfeit items on XXXX and finding out that if I got a good price, I likely got a counterfeit item and I did. I disputed this with the seller and mentioned I believe hes selling counterfeit items many times and he never wants disputed that I have the message chain to verify. I also informed XXXX of their policies and they told me to go to PayPal since I use PayPal to pay for it yet, this is part of XXXX policy to refund money on counterfeit items, and they should not have to be sent back, especially in my case where Id have to uninstall them and have somebody paid for that which cost more than the item itself with both XXXX and PayPal, but especially PayPal since they were the ones who were responsible according to XXXX, both had given me artificial responses never once dealt with a human unless I called them in the human could not actually help me. Months and months several months of dealing with this and I get denied claims from both XXXX stating to go to the other PayPal and PayPal stating that they agreed with the seller with no proof of legitimacy of the product that they sold me from XXXX I called up I asked for the proof when I was asking why my status was further delayed another XXXX weeks after being delayed several times prior they did not send me anything. They said it would be distributed with my status when that is available and I have XXXX seller response or information that proved it wasnt counterfeit per PayPal policy. I should not have to ship it back and refunds should be immediate so they either have proof or theyre lying and just siding with the seller through maybe AI and using AI as a scapegoat. I believe many corporations are doing this now passing the buck onto AI and letting us run the course until we get too frustrated to pursue a legitimate legal refund per their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XX/XX/XXXXXXXX CXX/XX/XXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I made payment to my Citibank card from the online payment system. I had two accounts listed and accidently selected the incorrect one. I thought I had selected the correct account but the selection buttons are very close together. This resulted in the payment being sent from the incorrect account. I noticed this the next day but it was already to late. I did send payment immediately from the correct account, which was credited to my credit card on or about the following day they received the incorrect payment from the wrong bank which resulted in a return check.

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 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Complaint Text : I am filing a formal complaint regarding an incorrect debt that was sent to collections by TrueAccord on behalf of XXXX. I was initially charged incorrectly for my internet service ( {$89.00} instead of the agreed $ XXXX monthly plan ). In addition, I was billed for a phone line that I never requested, never received, and never used. My internet installation was also delayed for approximately two weeks due to XXXX scheduling issues. Despite multiple attempts to resolve this directly with XXXX ( over 30 contacts and several complaints ), the issue was never properly resolved. Each time, my complaints were denied without explanation. The amount is incorrect and includes services I never authorized ( phone line ). The account has now been sent to collections by TrueAccord for {$230.00}, which includes unauthorized and incorrect charges. I am disputing this debt in full and requesting : * Full validation of the alleged debt * Removal of all unauthorized charges * Correction of my account balance * Removal of the account from collections if inaccuracies are confirmed I also request investigation into XXXX billing practices in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I went to target and I had paid off my bill in XXXX. I told the representative at XXXX XXXX that I was not using the target card. It was not toggled on in my wallet so it should not have used the target card. I told her Ill be using XXXX XXXX on my phone. She scanned the barcode for my target account which incorrectly charge my target card without my knowledge. This was after I already told her I did not want to use the target card. I did not physically have the target card with me. It was not toggled on in the wallet so the target card never shouldve been used. I was using my XXXX XXXX. I presented my XXXX XXXX yet. Their system made an error and charged me through the Target card. Without my card being on for that transaction without me authorizing that transaction on my target card. Then they told me I had a late fee, but I cant have a late fee because I never charged anything to that card in my opinion, so then Im calling them like whats going on and theyre like oh were sorry we had a technical issue. Were going to resolve it for you and refund the late fees, but thats not my issue. My issue is that they never shouldve had the system error to begin with. They need to reverse the error and I was told they would fix it on my credit report, but as of now they have not reversed it on my credit report. I would not have any late payment or any balance owed at all had they not charge my card without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Dear Rent Recovery Solutions, I am writing in response to your recent communication regarding the above-referenced alleged debt. Please be advised that your initial communication with me regarding this matter occurred within the past 30 days. I am formally disputing the validity of the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you provide the following : 1. The name and address of the original creditor ; and 2. A copy of the agreement bearing my original signature, which allegedly binds me to this debt. You are attempting to collect money that I do not owe, and any continued collection activities without proper validation are unlawful. You are hereby directed to cease and desist from : All collection efforts ; Any form of contact with me regarding this matter ; and Any and all credit reporting related to this alleged debt. I further demand that you immediately request the deletion of any and all credit reporting you may have made to the credit reporting agencies in relation to this alleged account. Please be advised that this letter may be shared with the Consumer Financial Protection Bureau ( CFPB ), which is fully authorized to investigate and address such matters. Should you fail to comply with the lawful requests in this letter, I may choose to seek legal counsel and take further action. Thank you for your immediate attention to this matter. Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
To whom it may concern, I am filing a complaint regarding an unauthorized withdrawal by XXXX for a debt that was already settled. On XX/XX/XXXX, I paid {$160.00} to resolve an XXXX account through TrueAccord. I have email confirmation and a confirmation number showing the account was settled in full. Despite this, on XX/XX/XXXX, TrueAccord withdrew {$160.00} again from my XXXX XXXX card without authorization. This withdrawal is improper because the debt had already been paid and closed. I did not authorize any additional payment. I disputed the transaction with XXXX XXXX, but the dispute was denied despite providing proof that the debt was previously settled. This situation has caused financial harm and confusion, as I was under the impression the account was already resolved. I am requesting the following : * A full refund of {$160.00} for the unauthorized withdrawal * Written confirmation that the debt is paid in full and no further collection attempts will occur * Confirmation that no negative credit reporting has occurred, or removal if it has * A proper review of this matter, including why the account was charged again after being settled I have attached documentation showing proof of payment and confirmation of the original settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Today, XX/XX/year>, my roommate was " served '' court documents that are printed out word file. They state they are filed within my county, but when I looked them up, the case does not exist. In the word document print out, it states records and receipts of all debt information, but does not provide any attachments or records at all. It states a summons, but does not provide a court date and states it was filed on XX/XX/year>. The " law firm '' on the documents shows as XXXX XXXX XXXX from XXXX California, but no further information other than a phone number and to pay {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
in XXXX they told me that i purchased phones and never paid for them from XXXX i never did such a thing. i have phones with XXXX and have had they bought out XXXX and switch XXXX consumers to XXXX XXXX in XXXX i never agreed or signed any paper work for the fraudulent activity. they couldn't provide any information or contract that had my signature

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 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2026 I contacted XXXX capital one auto finance. Request for an extension on my auto loan. I was denied that request, however the agent informed me that they can scheduled a payment on XX/XX/2026. I specifically asked the agent if I would en reported late or delinquent. The agent informed to me that let her look into it. When the agent returned back to the call she informed me that I would not be marked late of delinquent. I requested for the agent to make a note on my account specifying this so there are not any issues. Today when I checked my email I received an email stating where my account was marked late. I would like for them to honor their word and remove the late payment fe my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
They said its going on XXXX XXXX till XXXX XXXX But its XXXX XXXX still they did not get money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
URGENT : Prevention of Unfair Financial Exclusion and Reputation Damage Description of the issue : I am writing to formally dispute the unjustified closure of my checking account at Capital One. I have been an exemplary customer, maintaining a XXXX credit score and consistently paying all my obligations including my Capital One credit card ahead of schedule. My account was closed without any clear justification, and I am deeply concerned that this is the result of " friendly fraud '' incidents I suffered on XXXX. I am a legitimate merchant ( XX/XX/XXXXXXXX XXXX ) who was targeted by scammers ; these individuals authorized payments for goods and subsequently filed false disputes for amounts as small as {$500.00}. Instead of investigating these crimes, the banking system has turned against me, the victim. The Damage and Suffering : It is insulting and deeply distressing to be treated like a criminal when I do not deal in illicit goods. I do not sell drugs or weapons ; I sell ice cream and import legitimate products that i buy in XXXX under my own brandXX/XX/XXXX. The stress of having my accounts shut down " just because '' is affecting my mental health and my family 's stability. This " blacklist '' is a death sentence for a small business owner. I have worked to build my credit and my company, only to have Capital One pull the rug out from under me based on automated red flags and petty XXXX disputes. I am taking this stand before my credit lines are also affected. I demand to be treated with the dignity a high-score, high-loyalty customer deserves. Desired Resolution : Immediate Reevaluation : A manual review of my account activity by a human agent who can see my history of early payments and legitimate business invoices. Reputation Protection : A guarantee that no negative " fraud '' or " risk '' codes have been or will be reported toXX/XX/XXXX or XX/XX/XXXX regarding this closure. Account Reinstatement : Given my perfect payment history and the evidence of customer fraud against me, I request the reopening of my checking account to maintain my business operations. Formal Explanation : If the bank refuses to reopen the account, I demand a detailed written explanation of the specific " risk '' they identified, so I can legally dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to follow up on a recent debt verification submitted through the CFPB. The response I received from the company did not match the original creditor or debt collector listed on my credit report. Details of the Discrepancy : The company currently reporting the debt : [ Insert company name as listed on your credit report ] The company that responded to the CFPB dispute : [ Insert name of company that responded ] Account number : [ Insert last XXXX digits or full account number ] Date of original dispute : [ Insert date you filed the CFPB complaint ] This discrepancy raises concern about : XXXX. Proper debt ownership and legal standing of the responding company. XXXX. Chain of assignment, which was not clearly proven. XXXX. Possible violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to incorrect reporting and lack of full verification. I respectfully request that the CFPB require the company to : Provide a full chain of assignment ( all documents showing the debts transfer from the original creditor to the current one ). Explain why the verifying company differs from the reporting company. Remove the account from my credit report if they can not prove legal ownership or accurate reporting. I am requesting a full investigation and assistance in having this item corrected or removed if found to be inaccurate or unverifiable. Thank you for your time and assistance. Sincerely, [ Your Full Name ] [ Your Address ] [ Your Email/Phone ] [ Date ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
I have been a customer either KeyBank for XXXX years, but after my recent experience, I am deeply appalled by the lack of empathy at KeyBank. After my debit card was stolen and fraudulent charges were reported, I was initially refundedonly for the bank to reverse that decision XXXX months later. This has left me {$400.00} in the negative. As a single mother of a XXXX son currently facing severe health issues, I am already navigating significant financial hardship. This unexpected loss is devastating for my family. When I went to the branch to provide more information about the theft, I wasn't met with help ; I was treated with suspicion and accused of lying. To treat a long-term customer this way during a family crisis is inexcusable. I am severely unsatisfied with both the outcome of this dispute and the total lack of human decency from the staff. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was trying to use cash app to buy XXXX the I would transfer it to my husbands account now cash app has locked me out of the account an I can not do anything to send him XXXX and where he is at that's how he pays for everything

Company response to consumer: Closed with explanation