vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding the reporting of a collection account by Resurgent Capital Services/LVNV Funding ( Account # XXXX ) appearing on my credit reports. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible Accuracy The account contains incomplete and inconsistent information, including missing payment terms, no monthly payment, no interest details, incomplete payment history, and an inaccurate classification as past due. Such reporting is misleading and can not be considered maximally accurate. 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation Upon dispute, the credit bureaus must conduct a reasonable investigation and verify the account with competent evidence. Automated verification without documentation from the furnisher does not meet this legal standard. Failure to Establish Legal Ownership / Chain of Title As a debt buyer, LVNV Funding must provide documentation proving full assignment of the alleged debt from the original creditor, XXXX XXXX XXXX XXXX. Absent such documentation, the account is unverified and unlawfully reported. 15 U.S.C. 1681c Improper and Potentially Misleading Reporting Period The account fails to clearly identify the Date of First Delinquency, creating ambiguity regarding the reporting period and raising concerns of improper re-aging. Misleading Account Status Reporting this account as past due is inaccurate for a collection account and misrepresents the legal status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/XXXX I purchased 2 items for an event both were purchased and set to arrive the same day. When I got home nothing was there I reached out to the seller & was told to wait 48 hrs in which I did I reached back out just to be told okay we got everything documented a refund will be had. One refund come I go back and look it still says its coming reached out to them they deactivated my account due to verification I gave them the info and documents they reinstated the account. After that there was a hold on the refund then they wanted me to reach out to all this stuff when it was a problem on there hands. I appealed and still have not gotten a redponse nothing. I reached out to chime they kept putting the dispute in for a credit that I did not ask them for kept calling specialist and supervisors to no avail. Reached out again theyre laughing on the phone playing games once again taking down wrong information. Now this is my next step reaching out because they keep denying the dispute w evidence its ridiculous .if both items arrived and I got a refund for one where is the other if they both were missing it doesnt make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I opened this savings account with American Express on XX/XX/XXXX, there is this promotion which attaches a {$400.00} bonus if I deposit {$25000.00} to the account within 30 days of account opening, and then maintaining the balance for 60 days. I transferred in {$25000.00} to the account on XX/XX/XXXX and kept it there long enough, but the bonus never posted. Called Amex on XX/XX/XXXX and was told that even though the transfer happened on XX/XX/XXXX, it did not clear until XX/XX/XXXX, thus denying the bonus. First time hearing such kind of a thing, and there is no mention of such a thing in the account opening terms. The terms just said deposit {$25000.00} within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
On XXXX XXXX Car Paperwork And Stuff Were Filled Out. On XXXX XXXX Paid Amount Of {$2500.00} Was Down Payment. Also Of Course Payments Were Getting Paid Consistently In The Amount Of {$780.00} A Month. XXXX XXXX The Car Was Giving Problems I Sent It Back To Dealership For Them To Look At The Vehicle Or See If Their Able To Fixed The Car. On XXXX XXXX Dealership Repsentative Contacted Me And Stated That They Did An Inspection And Some Things Came Back That Needed To Be Fixed On The Vehicle And It May Take A Few Days For The Parts To Come In. Meanwhile They Provided Me An Rental Car. On XXXX XXXX I Recieve An Call From Rental Car Company Stating I Needed To Return Car Back, Because The Dealership Never Contacted Me Back Stating The Car Was Fixed And Ready For Pick Up. This Loan Is Cosigned But The Dealership Contacted The Other Person At The Time And I Was The Person Paying And Even Sent It In For Repair. So I Stated To Company In XXXX The Car Was Stole From Me And I Dont Know Where Its At. The Last Place I Took It To Was Dealership. Loan Company Continue To Contact Me For Months After. In XXXX Get Another Call The Car Is In Reprosession Status ... Now XXXX XXXX Officer Contact Me Because Other Person With Vehicle Is Parked Illegal. XXXX XXXX Loan Company Calls Again I REPEAT I DO NOT HAVE THE CAR IN MY POSSESSION. Have Not Been In My Possession Since XXXX Of XXXX. I Would Like More Investigation With This Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I never gave permission for these accounts and inquiries to be included or added on my credit report, and this is a response on the third-party allegations, this is my personal request, and I already included my documents for you to check. Update the late payments to positive as well. Also, I personally authorized, reviewed, and submitted this dispute regarding inaccurate information appearing on my credit report. No third party submitted this dispute on my behalf without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, {$32.00} was taken out of my cashapp account. On XX/XX/XXXX, {$20.00} and {$6.00} was also taken out of my account. I have talked to Cash App support and they said there is nothing they can do about it. I have tried to request a refund but have not gotten an answer. I have tried to get the funds disputed however Cash App will not take action. All together {$58.00} was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: MN

Complaint narrative:
Our mortgage is on our rental property not our primary residence. Our mortgage company XXXX Fay Servicing XXXX sent a notification that they needed insurance documentation on the rental unit ( even though they already had it ), and sent this request to our old primary address. even though we communicated with them via their portal and over the phone of our new primary address. Thus, the request for the insurance documentation went unanswered because we did not see it. Miraculously, they ( Fay Mortgage ) sent us the notification to our new address stating that they are issued a $ XXXX insurance policy, and our mortgage payment was going up 454 % from {$1200.00} to {$7100.00}. We contacted them right away when we received this notice. we sent in proof of insurance right away to thwart this injustice by them. We followed up 4 different times within the 30-days that they said we had to rectify this situation. We were told all ( 4 ) times that we have satisfied this issue, and the escrow of XXXX + was reversed and we are ok. We even called on Friday XX/XX/XXXX, to make sure they would not take the 454 % increase on XX/XX/year>. They assured us we were ok. Well, XX/XX/XXXX, came and they took {$7100.00}. And they said it will take another 30-days to evaluate to fix, and gave us no time frame on when we would get out money back. They also sent a letter to us that said we did satisfy this issue, and said that they cancelled this escrow, and turned around and charged us anyway. and again, told us that this issue is NOT satisfied. They have had multiple law suites in the past for these practices, and horrible reviews. This is a corrupt business, that is causing major XXXX, and financial burden on us. Our credit report has gone down because of their reporting the wrong balance amounts that we are trying to fix with our credit agencies like XXXX. We need help with this company please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Appeal and Request for Clarification on Permanently Deactivated Account - Case/ Reference # XXXX My personal PayPal account ( XXXX ) was permanently deactivated/limited as of XX/XX/year> without a clear explanation of the specific reasons I have always used the account for legitimate personal transactions and am confused about what triggered this action, as no detailed violation was provided There is currently approximately {$170.00} held in the account balance. I have attempted to resolve this multiple times through the PayPal Resolution Center, emails to XXXX and executive channels, and other support options, but the account remains closed and funds inaccessible. Phone support has also been unavailable due to technical difficulties. I want to request a detailed written explanation of the deactivation reason and expedited review and release of the full balance to my verified linked bank account and confirmation of any applicable hold timeline, As this hold is impacting my personal finance and medical needs attached are relevant screenshots and prior communications for reference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On XX/XX/year> unauthorized transactions totaling {$1000.00} were posted to my debit card {$940.00} to XXXX XXXX and {$56.00} ( posted as {$96.00} ) to XXXX XXXX. I reported the fraud the same day and filed a police report. Navy Federal approved a separate fraud claim from the same card on the same date, officially confirming my card was compromised. Despite this, they denied my {$1000.00} claim stating I authorized the transactions a direct contradiction of their own determination. The denial stemmed from a miscommunication during my initial fraud call. I was not in front of my account, multiple legitimate bills had posted that same day creating high transaction volume, and the amounts were similar in price making it impossible to identify specific charges in real time. My response was misinterpreted as authorization. Under Regulation E ( 12 CFR Part 1005 ) the burden of proof falls on the financial institution to prove I authorized the charges not the other way around. I have submitted a second review request with full documentation including a police report number, evidence of the card compromise, and proof that the XXXX XXXX transaction posted {$40.00} higher than the original authorized amount a known indicator of skimming. I am an XXXX XXXX service member. These funds were my mortgage payment. I was also subjected to disrespectful treatment by two fraud department representatives during my initial call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. XXXXSent 3-credit bureaus debt info to collect debt Im in debt program XXXX XXXX negotiated all my credit cards debt w/creditorsI have been making regular monthly pymts to all my credit card creditors since XX/XX/year>. Midland is double dipping & hD not produced the original signed credit card contract for any of my credit cards & have ruined my credit scores- decreasing my numbers. I have been actively working to repair my credit since XX/XX/year>. I want midland credit activity/info to be removed from my credit records in all 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: NJ

Complaint narrative:
There was a fraudulent application dated XXXX from Capital One Bank for a credit card using my personal information and I attempted to contact Capital One however had difficulties in getting help from the appropriate department that manages credit card applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Mobile repair business took {$400.00} from my Barclays bank MasterCard ( GM rewards MasterCard ) supposedly to buy the new parts for a mobile car repair job to be done at my home. He then refused to provide proof of purchase, receipts, invoices, nor would ever ship me or physically deliver the parts he supposedly purchased. I received nothing for the {$400.00}. Disputed charge as fraudulent with Barclay Bank. They investigated but decided incorrectly that it was a valid charge based on false statement from repair business saying I have all the parts. And completely illegible nearly black photo of supposed part. I want to reopen this decision Barclay Bank made to charge back the {$400.00} to me again. It's an incorrect unfair decision. Want this disputed, appealed, credited off my card. I've filed FBI fraud report and am filing fraud report crime with local law enforcement now.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is an urgent follow-up XXXX my active Complaint # XXXX I am filing this follow-up complaint because Bank of America has responded XXXX XXXX XXXX XXXX stating that they require additional time ( up XXXX XXXX days ) XXXX resolve the matter. However, as XXXX today, Bank of America has completely failed XXXX issue the mandatory provisional credit of {$4400.00} required under federal law. Under Regulation XXXX ( XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) ), if a financial institution extends its investigation beyond XXXX business days, it MUST provisionally credit the consumer 's account for the amount in dispute while the investigation is ongoing. Bank of America can not use the CFPB 's administrative extension XXXX bypass federal consumer protection laws XXXX keep my funds withheld for XXXX days. I request that the CFPB immediately intervene, link this XXXX my previous case, XXXX XXXX Bank of America XXXX comply with Regulation XXXX by depositing the {$4400.00} provisional credit into my account without further delay.

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 2026-06-02 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: FL

Complaint narrative:
I am writing in regard to a XXXX account that was previously deleted from my credit reports after being identified as fraudulent. Recently I discovered that this same account has been reinserted onto my credit file by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: PA

Complaint narrative:
Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX P : XXXX Email : XXXX Financial Institution Information : Optum Bank , Inc. / Optum Company Name : Optum Bank , Inc. / Optum Financial Impacted Account : Health Savings Account ( HSA ) ending in XXXX XXXX Reference ID : XXXX Subject : Administrative Negligence, Lost Records, and Financial Damages Statement of Complaint : I am filing an escalated complaint against Optum Bank for gross operational negligence, failure to maintain accurate consumer records, and causing severe, direct financial harm to my retirement assets. On XX/XX/year>, I initiated a total transfer of my HSA assets to XXXX XXXX. In strict accordance with transfer protocols, I liquidated my brokerage holdings in the XXXX XXXX XXXX XXXX ( XXXX ) entirely to cash on XX/XX/year>, totaling {$84000.00}. Official tracking proves XXXX successfully delivered the required Letter of Acceptance to Optum on XX/XX/year>. Despite this, Optum failed to execute the transfer. During an escalated call, an Optum HSA Specialist Manager explicitly admitted on a recorded line that the bank was " short-handed '' but verbally assured me the issue would be taken care of. However, on a subsequent three-way call initiated by XXXX to locate the funds, Optum personnel stated they " could not find any record of the requested transfer '' directly contradicting active, system-wide tracking data showing the request had been in progress for months. Because Optum completely lost my transfer request and held my capital idle in cash during a major market upswing ( where XXXX XXXX from {$640.00} on XX/XX/XXXX to {$700.00} on XX/XX/XXXX ), I suffered a documented financial opportunity loss. Due to Optum 's administrative breakdown, I was ultimately forced to manually reinvest the funds myself to protect my account from ongoing economic drag.Consumer Information : Full Name : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX Number : XXXX Address : XXXX Institution Information : Company Name : Optum Bank , Inc. / Optum Financial Optum 's internal operational failures have actively blocked my legally protected right to transfer my HSA . I demand an immediate executive compliance review of the recorded phone lines, a formal waiver of all account closing or transfer fees, and financial restitution equivalent to my lost market revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since XXXX I was robbed money from my account ; {$3200.00} ; aXXXXd used XXXX rent vehicles XXXX paid groceries without my knowledge XXXX consent. I work in an warehouse XXXX I leave my personal belongings inside a locker ; including my wallet ; because I never had an issue before.In XXXX my debit card was lost for a couple days till the guy from lost XXXX found department called me XXXX told me the card was found in the break room ; so obviously someone took it from my locker ; kept the information XXXX use it because XXXX days later I started XXXX notice some rare transactions.The XXXX transaction was made in XXXX XXXX the last XXXX was in XXXX ; for months i was getting robbed, i didn't notice XXXX Bank of America never notified me about it.Those {$3200.00} was used in some company called XXXX XXXX rent vehicles.I called the XXXX department XXXX Bank Of America ( my bank ) XXXX did the claim for that amount. They told me after I did the claim I was gon na received the temporary credit for the exact amount in XXXX days but never received a XXXX days later I was still waiting for an answer till they told me my claim was denied based on the card was physical used XXXX make those payments. I just lose my apartment XXXX pay nothing else because without that money I couldn't pay the rent so right now my family XXXX I we're living on the streets because Bank of America decided it was my fault got robbed by someone at work ; basically that was the explanation they gave me XXXX denied the claim ; because the payments were made using the debit card or the debit card information. This is absolutely outrageous from BoA even though I been an outstanding client for a entire year without any incident till now. I want justice XXXX my money back ; that's it.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation