vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
I am filing this complaint against Roosen, Varchitti & Olivier XXXX PLLC regarding an alleged debt they claim I owe to XXXX XXXX XXXX. I have sent two written debt validation requests to this company requesting proper verification of the alleged debt. To date, they have failed to provide sufficient validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my requests, the company continues to attempt collection without properly verifying : * The original signed agreement * Full payment history * Proof of ownership/assignment of the debt * Documentation supporting the alleged judgment referenced in their notice Additionally, I have contacted/written the court regarding this matter to clarify the validity of any alleged judgment, as I have concerns about : * Lack of proper notice * Possible improper service * Accuracy of the debt amount The collectors letter claims a judgment exists, yet I have not been provided official certified court documentation confirming this, nor evidence that I was properly served.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i have been charged interest on a balance a have already paid and all payment after that are being applied to the transfer that has 0 % interest instead of the 24.24 % and I'm being charged interest on high balance. In XXXX statement, Transfer offer 7 expired with balance {$1600.00} and in XXXX statement, Transfer offer 5 expired with Balance {$3600.00} and offer 7 was {$1500.00} after making payment of {$170.00} in XXXX in XXXX statement the offer 5 had balance of XXXX and offer 7 had {$1400.00}. after making {$200.00} payment in XXXX XXXX XX/XX/XXXX I Paid total {$3600.00}. this should pay off offer 7 and reduce offer 5 balance to XXXX. however, I have been charged interest on both offers in XXXX, XXXX, and XXXX. in XXXX statement, it shows offer 5 paid off but offer 7 with balance of XXXX with APR 24.24 %. my payment in in XXXX, XXXX or XXXX has not been applied to the offer and I'm continues being charged interest. I have spoken customer support in XXXX, and they said it will be corrected but it has not been. I agreed I paid late but after XXXX, I should not have been charged interest on offer 7 and offer 5 balance should have been lower around XXXX and not {$1300.00} as shown in current statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am disputing the Negative account showing a {$0.00} balance and was paid Full. If the balance is {$0.00}, the account should not be reported as an active Negative account with an outstanding debt. Please verify the accuracy of the current balance, account status, and payment history. If the creditor has Negative the account and the balance is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime Banking has refused to release direct deposits from my job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This correspondence is in response to your prior communication regarding the above-referenced account. Your response, including the account summary report, fails to satisfy the requirements of validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. Specifically, you have not provided competent evidence demonstrating that I have any legal obligation to this alleged debt. You have failed to produce documentation establishing that I opened or authorized this account, nor have you provided any evidence linking me to the alleged obligation beyond internally generated records. Additionally, you have failed to provide documentation establishing a complete chain of title demonstrating that LVNV Funding LLC has lawful ownership of this specific account. More importantly, this account is the result of identity theft as defined under 15 U.S.C. 1681a ( q ) of the Fair Credit Reporting Act. I did not open, authorize, or benefit from this account. Enclosed is my Federal Trade Commission Identity Theft Report, which serves as an Identity Theft Report under federal law. As such, this matter is no longer a standard validation dispute. Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), you are hereby placed on notice that this account is fraudulent and must not be collected, reported, transferred, or otherwise enforced. Be advised that any continued attempt to collect on this account after receipt of this notice constitutes willful noncompliance with the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692e and 1692f, as well as violations of the Fair Credit Reporting Act. All further communication regarding this matter must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing multiple charges from XXXX XXXX XXXX XXXX and its affiliates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) totaling {$2900.00}. Chase has ruled in favor of the merchant on two payments of {$670.00} despite my evidence. A third payment of {$670.00} was rejected for investigation because it was " out of the 60-day timeframe, '' even though I specifically notified Chase months prior that I was making that payment " under protest '' while I investigated the merchant 's legal status. Two more charges ( {$670.00} and {$280.00} ) currently remain in dispute. The bank is failing to conduct a " reasonable investigation. '' I have an official email from the California Department of Justice ( DOJ ) confirming that XXXX XXXX XXXX XXXX is not a registered XXXX XXXX XXXX in California. Under CA Business and Professions Code 17550.15, their contracts are void and unenforceable. Chase is ignoring a clear state law violation and my prior " protest '' notifications. I request a full reversal of the {$2900.00} total, as the merchant has no legal standing to enforce these charges across any of its names ( XXXX, XXXX, or XXXX XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am a XXXX cardmember and recently opened a XXXX XXXX XXXX credit card. After purchasing flights on the new card, the balance exceeded the {$5000.00} limit. I paid it in full immediately. American Express XXXX XXXX then requested documentation that my personal checking account has been open over one year. My checking account has been continuously open since XX/XX/XXXX ; the documentation is straightforward and I have been willing to provide it from the start. The problem is that every channel American Express has directed me to has failed, contradicted another, or contained false information. Timeline : - XX/XX/XXXX, XXXX PM : American Express left a voicemail instructing me to call ( XXXX ) XXXX and stating the credit department was open XXXX. - XX/XX/XXXX, XXXX XXXX : American Express XXXX XXXX emailed me the same instruction, stating in writing : " Our credit department is open 24 hours a day, seven days a week. '' - XX/XX/XXXX, evening : I called ( XXXX ) XXXX. It was closed. I called three additional American Express numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX and was variously told the line was closed, only reachable during business hours, or that a specialized team was assigned to my account and no one else could help. The 24/7 claim, made in writing and by voicemail, was false. I documented this in a customer survey. - XX/XX/XXXX, XXXX XXXX : An American Express representative reached me by phone. I asked to handle the matter by email or mail, since I am busy at work during the day. I agreed to email my statement. The representative said I could submit it online. - XX/XX/XXXX, XXXX PM ( approximately six hours later ) : I received a second email from American Express XXXX XXXX stating that new charges on my account, including those of any additional cardmembers, would be declined. This email again contained the false statement that the credit department is " open 24 hours a day, seven days a week. '' When I then tried to send the documentation, no channel functioned : the phone representative gave no email address ; the online chat agent could not produce one after I asked six times ; the XXXX XXXX emails contain no case or reference number and instruct the customer not to reply ; and American Express 's online Document Upload Center returned an HTTP 400 server error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am submitting this complaint regarding the permanent deactivation of my PayPal business account on XX/XX/year>. The account was set up in advance as a payment option for contractors. I had not yet needed to use it until recently, at which point I discovered the account had been permanently deactivated. No transactions were ever processed through this account. On XX/XX/year> I received a notice stating my account was permanently deactivated due to " activity on this account that we can not support. '' No specific activity was identified. I do not know what " activity '' PayPal is referring to, as the account was never used. The notice also stated the following : - My account is classified as " High Tier '' - I would be charged a " High Volume Dispute fee '' - My funds may be held for up to 120 days This is concerning because no transactions were ever made. There were no disputes, no chargebacks, and no financial activity of any kind. Being charged a High Volume Dispute fee and having funds held on an account with zero transaction history makes no sense and I believe warrants review. When I contacted PayPal support to request a specific explanation, I was told : " The decision to permanently deactivate your account is final and can not be appealed. This means we're unable to reverse it or allow you to close and reopen a new account. '' I was given no opportunity to provide documentation, correct any issue, or appeal through any formal process. I am requesting the following : 1. A specific, written explanation of what " activity '' led to this deactivation 2. Confirmation that no fees will be charged given there were zero transactions 3. Clarification on whether any funds are being held and on what basis 4. A formal review of the deactivation decision I do not believe a vague reference to unsupported " activity '' on an account with no transaction history constitutes adequate notice or justification for permanent deactivation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Yesterday, XXXX, XXXX, XXXX, I was informed that my business account will be subject to closure due to a suspected fraudulent check deposit. However, the activity in question did not occur on my business account and was not conducted by me. The individual involved is my ex-husband, from whom I have been legally divorced since XXXX of last year ( XXXX ). We closed our personal joint checking account in XXXX of XXXX a few short days before I filed for divorce. From what I understand, on XX/XX/XXXX, he deposited a fraudulent check into his own separate personal account. He has never been an owner, employee, or authorized user on my business account, and he has no affiliation with my business in any capacity. Despite this, my bank has indicated that my business account will be Closed by XX/XX/XXXX due to this unrelated activity. This action appears to be based on an incorrect or unsupported association between my account and my ex-husbands personal banking activity. This situation is causing significant concern, as closure or restriction of my business account would result in material harm, including disruption to business operations, payments, and financial stability.

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 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding Advance Financials lending practices and the accuracy of the information they have on file for my account. I received a {$600.00} loan from Advance Financial that carries an APR of approximately 450 %. I have already paid over {$1000.00} toward this loan, yet the balance has not meaningfully decreased. The repayment structure appears designed to keep borrowers in longterm debt and is causing financial harm. Additionally, the personal information Advance Financial has on file for me is incorrect, including my address and other identifying details. The only accurate information they have is my bank account number. This raises concerns about how the account was created, verified, and serviced. I am requesting that the CFPB review Advance Financials interest calculations, fee structure, and handling of consumer information. I am also requesting that the company correct or verify all personal information associated with this account and provide a full accounting of all charges and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC
State: MN

Complaint narrative:
I am submitting this complaint to dispute the reporting of a 30-day late mortgage payment that occurred during a documented financial hardship. This late payment does not accurately reflect my payment history or financial reliability. Prior to and after this isolated incident, I have maintained approximately three years of continuous on-time mortgage payments with no delinquencies. This is an otherwise clean and consistent payment record. During the period in question, I was experiencing a financial hardship that impacted my ability to make a timely payment. I made efforts to address the situation and believed the matter was being managed or resolved through communication with the lender. At no point was I made fully aware that the arrangement or situation would result in a 30-day delinquency being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
According to fcra section 611 it is illegal to report anything on my credit report without my permission please remove this negative account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been a USAA member for approximately 14 years and have maintained my account in good standing throughout that time. Over the course of my membership, I have submitted disputes only when necessary, specifically in cases where merchandise was not received or was materially different from what was ordered. In each instance, I acted in good faith by attempting to resolve the issue directly with the merchant first and by providing supporting documentation to USAA. Many of these disputes were investigated and resolved in my favor, confirming that the claims were valid. Recently, USAA restricted my account and informed me that my account is being reviewed and/or closed due to dispute activity. I was not provided with a clear explanation identifying any specific wrongdoing or misuse of the dispute process. As of now, my funds are being held, and I am unable to access my money. This includes funds necessary to meet essential financial obligations such as rent and supporting my children. I have contacted USAA to request : A clear explanation for the restriction and/or closure The specific basis for their decision A timeline for resolution Access to or release of my funds USAA has not provided sufficient or clear information in response to these requests. The issue is that USAA is now using dispute activitypreviously investigated and validated by its own processesas justification to restrict or close my account. This is inconsistent and unfair, as I relied on USAAs dispute process in good faith and with supporting documentation. Actions taken by me : Filed disputes only when warranted and with documentation Attempted to resolve issues directly with merchants prior to disputes Contacted USAA to request explanation and access to funds Actions taken by USAA : Investigated disputes and resolved many in my favor Restricted access to my account and funds Failed to provide a clear explanation or timeline for resolution This situation has caused immediate financial hardship due to lack of access to my funds. I am requesting : Immediate release of my funds A clear and detailed explanation for the account restriction/closure A review and reconsideration of the decision to close my account based on dispute activity that was previously validated I am submitting this complaint in good faith and expect a timely and thorough response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting by Self / Lead Bank ( Self Financial ) on my credit report. After reviewing my credit file and personal records, I have identified that the payment history and last payment date being reported for this account are inaccurate and do not reflect my actual account activity. Details of the Issue Furnisher : Self / Lead Bank ( Self Financial ) Issue : Inaccurate payment history and incorrect last payment date Affected credit bureaus : [ List XXXX XXXX XXXX if applicable ] The reported payment history contains incorrect information, and the last reported payment date does not match my records. I have supporting documentation, including screenshots, that demonstrate these discrepancies. Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) requires furnishers to provide accurate and complete information to consumer reporting agencies. 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation upon receiving notice of a dispute and to correct or delete any information that is inaccurate, incomplete, or can not be verified. 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. The current reporting by Self / Lead Bank does not meet these legal requirements. If Self / Lead Bank can not verify the accuracy of the reported information, it must be corrected or removed in accordance with the Fair Credit Reporting Act. Please review the attached documentation and resolve this matter promptly. I expect full compliance with federal law regarding accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Validation of debt To whom it may concern I am writing to dispute inaccurate information on my credit report and to request debt validation. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act and the following item needs to be re-investigated : Collection Account Name, lvnv funding llc Please provide proof and documentation of the following : An agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. An agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Proof that you are licensed to collect in my state. 623 Under federal law, you have 30 days to complete your investigation. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXX ) request shall be sent to me immediately Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation