vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I noticed a charge for XXXX XXXX on my Cash App account for {$140.00}. I reached out to Cash App on XX/XX/XXXX and filed the dispute. I was then told that it would take up to 10 days for me to hear something back. As a 10 day mark I reached out as I hadnt heard anything and was then told it could take up to 45 days to hear back. In between day 10 and XXXX I reached out several times for an update and was told that somebody would get back to me if there was any updates to provide. I havent heard from Cash App or a supervisor at all. At the 45 day mark, XX/XX/XXXX, I reached out via Cash App support asking for an update. Thats when they told me that the process could take longer than 45 days because of the type of case that I had. I then asked for an update in regards to what was being done and what the holdup was as far as the resolution was concerned. I was told that my complaint had been escalated and that a supervisor will reach out to me in XXXX hours. And if I hadnt heard from anybody in XXXX hours to reach back out. I reached out today Wednesday, XX/XX/XXXX via the chat and was told this same thing that I supervisor will reach out to me. I then called Cash App support and was told that my complaint have been escalated in that a supervisor will reach out to me via email. Which is the same thing that I have been told multiple times without any sort of correspondence from an employee. During this process, I have since called XXXX XXXX support and was told that somebody would get back to me in regards to this claim and that they had responded to Cash App. However, I havent heard any update from Cash App itself in regards to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Nothing happened, after I talked with lady over the phone, she said will send you a form over my email address, and I never got anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
b'**What happened:**\n\nMy legal name is XXXX XXXX XXXX. I returned to my birth name in XXXX following my divorce. All collection correspondence regarding this account has been addressed to XXXX XXXX" my former married name. My dispute letters noted this discrepancy explicitly. The collectors have never acknowledged or addressed it.\n\nI am disputing a XXXX XXXX XXXX account (ending XXXX, balance XXXX) now owned by LVNV Funding LLC and serviced by Resurgent Capital Services L.P.\n\nOn XXXX XXXX XXXX, within the 30-day validation period, I sent a written Notice of Dispute and Demand for Debt Validation via XXXX Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX) to LVNV Funding LLC c/o Resurgent Capital Services. It was signed for on XXXX XXXX XXXX. That letter stated that the account may have originated under a name other than my current legal name and demanded full validation before any further collection activity.\n\nResurgent responded XXXX XXXX XXXX with an account summary they generated themselves and a copy of my final billing statement. This does not constitute proper debt validation. I requested a signed original credit agreement, complete chain of assignment, and itemized accounting. None were provided. The name discrepancy was never addressed.\n\nDespite my unresolved dispute, a second debt collector, XXXX XXXX XXXX, contacted me XXXX XXXX XXXX attempting to collect the same debt again addressed to "XXXX XXXX" not my legal name. I sent XXXX XXXX a written dispute via XXXX Certified Mail on XXXX XXXX XXXX (Tracking #XXXX), received XXXX XXXX XXXX. XXXX XXXX has not responded.\n\nOn XXXX XXXX XXXX, Resurgent sent two more letters one coded XXXX" as if no prior dispute existed, and one again claiming "verification." The XXXX XXXX letter explicitly states it was generated in response to an inquiry from XXXX XXXX XXXX the current servicer of this account," confirming the two collectors are working in coordination on a debt that remains disputed and unvalidated.\n\n**Violations I believe occurred:**\n- Continuing collection activity after written dispute without providing proper validation (15 U.S.C. 1692g)\n- Failure to address or investigate name discrepancy raised in formal dispute\n- Transferring a disputed, unvalidated debt to a second collector (XXXX XXXX XXXX which then attempted collection\n- Resurgent restarting collection contact on an open dispute as if it were a new account\n- XXXX XXXX XXXX may not be licensed to collect debts in Tennessee\n\nI have certified mail receipts, return receipt cards, and copies of all correspondence.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
About a week or so ago I received and email from PayPal saying my account was permanently limited for an acceptable use violation. I've used PayPal for over XXXX years without a single issue. I called them up and they requested more information on my behalf and a few days later was sent an email stating the decision was being upheld for the already given stated reason. No additional details. So I called a second time and asked for a manager. The manager wasn't even allowed to see the details. He said those decisions were made by people that customers have no access to, and further added that he has no access to them other than sending an email asking for further details on my behalf. Today I was sent a third email saying the exact same thing as the first two emails without any details on how I violated one of their rules. This is really frustrating that they set up such an unfair system like this. I'm not allowed to know what I supposedly did, and there is no avenue for appeal or to talk with anyone with direct knowledge of what the issue was. I plan on starting a small business in a few weeks and this could have real life issues with getting paid for my work. Please help me to find out whatever it is they think that I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Chime Financial Inc
State: IN

Complaint narrative:
Chime has wrongfully denied my fraud claim. Two unauthorized, back-to-back charges totaling {$170.00} ( {$81.00} and {$89.00} ) occurred on my Chime Credit Builder Card on XX/XX/year>, at XXXX XXXX and XXXX PM. These charges were physically run at a XXXX XXXX store location in California. At the exact time of these charges, I was physically present in Indiana, where I reside and actively file weekly state unemployment insurance vouchers through the Indiana XXXX XXXX XXXX. I have never visited this California store. I personally contacted XXXX XXXX, and their records verified that these were physical, in-store transactions. Running two separate physical transactions just XXXX minutes apart in a state I do not live in is clear evidence of card-cloning. I immediately replied " NO '' to Chime 's automated fraud text alert, yet Chime processed this as a simple credit card billing inquiry rather than an identity theft/cloned card event. Chime has failed to conduct a reasonable investigation as required by federal error resolution standards and Visa 's Zero Liability Policy. I demand a permanent credit of {$170.00}. Dispute ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from Credit Karma which amongst showing all my credit cards information and vehicles ownership, they advertised that they could lower my current auto loan rate and payment. Looking at their options several companies were offering substantially lower rates that I currently have on one of my vehicles. I proceeded to accept one of their offers and completed the required application. Shortly after I got an email that I got a hard hit on my credit report. Today I spoke with one of the representatives from XXXX XXXX who after reviewing my application she could only offer me 5 % higher of what I am currently paying due to the age of my vehicle. Credit Karma was showing several sites that could help me lower my rate by 2 % points. After chatting with an agent from Credit Karma, he told me that the banks have their guidelines and final decision. I totally understand this, however advertising such a bogus interest rate is false advertising. I would have never gave authorization to run my credit I asked about the hard hit and he said to call XXXX. In other words they dont want to help out. Hopefully their algorithms can be fixed and more effective information will be available to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
I wrote XXXX about false misleading items in my credit, its affecting my XXXX and my daily life. Can you please address this issue, I have yet to hear from this matter and its not constitutional

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of a dispute that was reopened on XX/XX/XXXX concerning a {$7800.00} trpts.me/UVC transaction XXXX After a prior CFPB complaint, Capital One stated they are unaware of any new information that would change our decision. I submitted CFPB feedback to their response and waited for their response to that which I did not receive. I called Capital One on XX/XX/XXXX requesting they reopen the dispute, which they did, and I subsequently submitted a focused evidence packet specifically for issues not addressed in Capital Ones prior response, including : Cancellation performed in accordance with Articles 15 and 16 of the membership contract DHL proof of delivery with signature confirmation Merchant failure to respond, following the contractual deadline, or at all as of this date Article 15 termination and refund rights Reservation confirmation followed by cancellation when benefits were denied Evidence supporting services not rendered and material misrepresentation However, approximately 13 minutes after submission of the documentation, the dispute was closed again without additional explanation or correspondence. My concern is whether the submitted evidence received meaningful evaluation. Attached is a file containing Capital One correspondence letters that appear to provide two inconsistent explanations regarding the basis for denial of the dispute. The XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX correspondence indicates that Capital One could not validate my dispute because requested information had not been received or was incomplete. Each time I called Capital One to see what information was missing. Inconsistently, Capital Ones later response dated XX/XX/XXXX, to CFPB stated that the merchants decision not to honor your refund request appears consistent with the merchants terms and conditions. Neither explanation meaningfully addresses the evidence submitted. The outstanding issue is not the merchant ( UVC ) agreeing to a refund. The issues are services not rendered, misrepresentation, UVC failure to comply with its own contract, and UVC receiving cancellation per Article 15 of the contract with no acknowledgement per contract terms. I respectfully request review of Capital Ones dispute handling process and whether the evidence submitted was properly considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy FCU ending in XXXX Isn't my account fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been the victim of a fraudulent transaction that went through PayPal. On XX/XX/year> there were XXXX fraudulent charges made against my Pay Pal account that were paid to XXXX XXXX from my XXXX XXXX account. One was for {$10.00}, one was for {$100.00} and a third was {$2000.00}. As soon as I was alerted to these fraudulent transactions I lodged a complaint with PayPal. On the next day, XX/XX/year> PayPal issued a refund to my account for the {$10.00} and the {$100.00} charges. Upon further inquiry I was informed by PayPal that they would not refund my {$2000.00} because that was an authorized purchase. After weeks of dealing with un-cooperative BOTS I have gotten nowhere. I have asked repeatedly for descriptions of the goods I have supposedly received but have received no meaningful response. I do not know who XXXX XXXX is and have received nothing for my {$10.00}, {$100.00} or my {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Creditly Corp.
State: PA

Complaint narrative:
They took XXXX out of my account that had nothing to do with the advance. I have talked to them numerous times and they say they are sending the money and never do. They cost me a lot of money over taking money that was not theirs to take. In the last 30 days I have talked to them and did the genie support and nobody answers me. I want my money back and I have also sent them proof of all of this and still got no response or results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ITEMS FROM MY CREDIT REPORT

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I voluntarily closed my Apple Card account on XX/XX/XXXX at a {$0.00} balance with a perfect payment history. I have the closure confirmation email from Goldman Sachs dated that same day confirming the account was closed at my request with a {$0.00} balance. In XX/XX/XXXX I applied for a new Apple Card and was denied due to an alleged prior charge-off with Goldman Sachs . My XXXX credit report shows the account correctly closed at consumer 's request, 100 % on-time payments, {$0.00} balance, last reported XX/XX/XXXX. The incorrect information exists only in Goldman Sachs 's internal system. Between XX/XX/XXXX and XX/XX/XXXX I contacted Goldman Sachs XXXX XXXX via chat and phone. Multiple supervisors acknowledged the error and confirmed the account was closed in good standing. On XX/XX/XXXX a supervisor told me the matter had been escalated and would be corrected. On XX/XX/XXXX I attempted to apply again and was still denied for the same reason. When I contacted Goldman Sachs, I was told the account had been transferred to a collections agency. Goldman Sachs is now blocking my calls entirely and directing me to the collections agency. The collections agency confirmed they have the account listed as written off with a {$0.00} balance. I am filing this complaint proactively because Goldman Sachs has an incorrect charge-off in their internal system, has failed to correct it despite multiple supervisor acknowledgments, and has now sent a {$0.00} balance account to collections placing my credit report at imminent risk of inaccurate negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In 2016, my former attorney, XXXX XXXX XXXX XXXX an inquiry to JPMorgan Chase regarding possible accounts associated with my deceased spouse. Chase later responded that no accounts associated with my spouses identifying information could be located. In later reviews, however, Chase stated that meaningful review activity could not be conducted without a Social Security XXXX, while subsequent correspondence nevertheless referenced cross-referencing review activity using other identifiers and acknowledged a preservation-related request. I am requesting clarification regarding the institutions deceased-spouse account identification methodology, including the identifiers used during review and the apparent procedural inconsistency between earlier and later representations. Additionally, I recently recognized that the 2016 inquiry referenced a later reissued Korean passport number issued shortly before my spouses death, rather than an earlier passport number potentially associated with prior historical activity ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called in to confirm and spoke to XXXX - to confirm that I wouldnt not be charged a overdraft fee if my account was under - {$50.00}, I confirmed and reaffirmed that I wouldnt not be charged - next morning there is 3 fees on my account when I called in they had no excuse and kept on transferring me to the team that would issue a refund while in actuality just bouncing me around from team to team with no resolution, I will be looking into switching banks if this is not resolved as there are plenty of competitors companys, Ive been with chase for my entire professional life of ten years. Id like to add that when I spoke to XXXX she transferred for me to another teamthat would be able to help with a refund and later when I spoke to another supervisor by the name of XXXX he confirmed that there was no reason for her to transfer since there is no further place to escalate - confirming ( his words ) she just transferred me to waste my time. Appalling.

Company response to consumer: Closed with monetary relief