vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Figure Technologies, Inc
State: FL

Complaint narrative:
Please note the most recent communication with Figure Lending below : The insurance policy is with XXXX. I've repeatedly sent them the entire policy packet. Is there a difference between property insurance and hazard insurence? I'm attaching the XXXX policy declarations page as the policy packet is stored on another device. 

I've supplied my hazard insurance to you on multiple occasions, through email, XXXX, and directly on my Figure account page in the " Upload Documents '' window. I went on my account page today only to see that I was charged for Lender Placed Hazard Insurance on XXXX. Why? I've furnished proof of the insurance to you on several occasions using several different methods of transmission, including, again, today using the " Upload documents '' window. Why am I being charged {$2600.00} for something that I've already repeatedly furnished proof of to you? In fact, my loan wouldn't have even initially been considered, let alone approved, without it. Please either explain to me the reasoning for this or refund my account the {$2600.00} charge for coverage that I have had since the loan 's inception. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
as of XX/XX/year> Chase decreased my limit due to overall credit usage to just above my current balance which is causing extreme harm to my credit and further pressuring my finances which is causing undue mental and health stress. 

The line was taken from {$26000.00} to {$6700.00} that is absolutely abuse of the customer and causing immense undue harm. This in turn makes my usage go from 25 % to just shy of 100 % and if the issue was usage which just hit 30 % of total available it will now absolutely crush me out of the market and i have XXXX recourse beside submitting this. 

I received my account statement XX/XX/year> then 7 calendar days later the line was reduced. 

Minimum payments have been being made on time for the life of the account. This should not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, {$950.00}, I disputed this transaction and told Cash App that I didnt authorize this transaction. My card got stolen before this transaction happened and they denied it based off of me using the card before hand. Well duh I obviously didnt loose the card then. 

XX/XX/XXXX, {$720.00}, I disputed this transaction, and again I told Cash App that I didnt authorize this transaction, I lost my phone, Cash App card and they once again denied it based off of me using my card the day before which is XXXX  I want all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against Equifax for unlawfully reporting two collection accounts on my credit file with no identifiable furnisher. 
The two accounts are : XXXX XXXX {$0.00} XXXX XXXX {$220.00} On my Equifax credit report, the furnisher name is listed as the same numeric string as the account number. No company name, address, or identifying creditor is provided. This means Equifax is publishing anonymous collection accounts. 
This is a direct violation of federal law. 
Under FCRA 609 ( a ) ( 1 ) and 602, I have the right to know the identity of any party furnishing information about me. Equifax can not legally report derogatory accounts from unidentified entities. 
Under FCRA 607 ( b ), Equifax must maintain maximum possible accuracy. Reporting a collection account without a company name is inherently inaccurate and unverifiable.

Under FCRA 611 ( a ), Equifax is required to conduct a reasonable reinvestigation. A reinvestigation is impossible when no furnisher identity exists.

Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher can not furnish information without identifying itself.

Under FDCPA 807 ( 2 ) ( A ), an anonymous collection account is misleading.

Under FDCPA 809 ( b ), I am denied my right to validation because no collector is identified.

Under Metro-2 reporting standards, a collection tradeline must include a valid creditor name, identification, and contact information. These entries fail Metro-2 compliance. 
I disputed these accounts more than 90 days ago. Equifax stated it needed additional time. The statutory investigation period has long expired. Federal law does not allow indefinite extensions.

Because the furnisher can not be identified, these accounts are legally unverifiable. When information can not be verified, FCRA requires deletion.

Equifax has now willfully continued reporting two anonymous collection accounts despite knowing : No furnisher identity exists No validation is possible No lawful investigation can occur The statutory reinvestigation clock has expired This constitutes willful noncompliance under FCRA 616 and negligent noncompliance under 617. 
I am demanding immediate deletion of both collection accounts from my Equifax credit file. 
If Equifax can not identify the furnisher, provide validation, and demonstrate lawful Metro-2 compliance, these accounts must be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX amount {$590.00} Was not there. 

XXXX XXXX XXXXXX/XX/XXXX amount XXXX Was not me. 

XXXX XXXXXXXX XXXXXX/XX/XXXX amount {$340.00} Was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding an incorrect charge applied to my American Express account. 

I was charged {$29.00} as a late payment fee ; however, this charge is incorrect because the payment was made on time and in the required amount. At no point did I fail to meet my payment obligations on this account. 

What is most concerning is that this is not the first time this issue has occurred. On a previous occasion, American Express applied the same incorrect late fee, and after I contacted customer service, the charge was acknowledged as an error and was refunded.

This time, after noticing the charge again, I contacted customer service and spoke with three different representatives in separate calls. In all cases, I was told that no refund could
be issued because a similar refund had already been processed within the las

t six months. This explanation is unacceptable, as the error was not caused by me, but rather by a failure in American Expresss billing or payment processing system. The fact that this s
ame issue has occurred before only confirms that this is a recurring system issue, not a customer error or late payment. 

To be clear : The payment was made correctly The required minimum payment was paid There was no late payment The fee was charged incorrectly There is a prior history of the same error being acknowledged and refunded Therefore, I am requesting : 1. An immediate refund of the {$29.00} late fee charged in error 2. A full review of my payment history 3. Corrective action to ensure this issue does not happen again, as it causes inconvenience, frustration, and a loss of trust in the service I expect a fair and prompt resolution to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I had an ex girlfriend do identity fraud online in my name. I filed a police report & the detectives told me to contact all the places that she used my name at & give them the case number, the detectives names & phone number to contact them because they were technically the victims because they were out the money. So I did. They all accepted this & I guess contacted the detectives except for this one collection agency called Midland credit management inc. They have harassed me for the past 8 years. Sending me mail about we can work a deal & tons of phone calls. Well it turns out that in XXXX they took me to court & I never got any court summons to let me know to show up. So they were awarded by the judge a judgement. Then in XX/XX/XXXX they took it to court again & sent no court summons again. Judge awarded the removal of the money from my credit union account. I immediately noticed the money out of my account. I contacted credit union & they said there was a judgement from XXXX XXXX courts. The credit union said they had a summons of XX/XX/XXXX about the money. So I showed up on that day in the XXXX XXXX XXXX XXXX XXXX with the ex girlfriend who did the identity fraud ready to present my case to the judge but the judge said it was too late & that's not what this court date was about. I said well this is the first time that I've heard about any court date so I am here. He said he wasn't hearing it. I said well it sure would have been nice to knew about the very first one in XXXX so I could have gotten this all dismissed way back then. I have lived at the same house this entire time. Midland Credit management has known my address this entire time and has sent XXXX we will take some money off statements if you pay now letters. I have told them probably hundreds of times on the phone that I never took out this online loan or whatever it is. I have told them her name & phone number. They just always call me a liar & say that I was running a scam on them & stuff like that. I asked if there was a signature or something so I could prove it was not me. They told me you don't have to sign anything. I asked who gives out money to people no kind of signature or anything? Anyway, they stole my money & I want it back. I have given them all of her information over the past 8 years but they refuse to except it. Then they scammed the courts by not send me a court summons to any of the courts cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year>, I deposited a check for {$3000.00} into my Regions Bank checking account. The check was issued from my familys investment account, which shares my last name I have previously deposited a check from this same account into Regions with no hold placed. 

Regions placed a hold on the entire {$3000.00} and advised that the funds would not be available until XX/XX/year>. They did not make even a partial amount of the funds available to me. 

Two days after the deposit ( approximately XX/XX/year> ), the issuing bank confirmed that Regions had already received the funds from the check. 

I contacted Regions on three separate occasions to ask why the hold was placed and why no portion of the funds was made available. Each time, Regions failed to provide a clear or specific reason for the extended hold. 

As a result of this hold, my account is now overdrawn by {$5.00}. I asked Regions to waive the {$36.00} overdraft fee given that the overdraft exists solely because they are withholding my deposited funds. I was told that I had until XXXXXXXX XXXX to make another deposit or I would be charged the fee. 

I believe this hold is unreasonable and improperly handled because : The funds were confirmed as received by Regions within two days of deposit. 
The check came from a familiar, previously used account with the same last name. 
Regions provided no clear explanation despite multiple inquiries. 
The hold directly caused my account to go into overdraft and triggered a fee.

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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime mobile app Tuesday, XX/XX/year> - I submitted a check for mobile deposit. There was no hold on the check and expected immediate deposit. AFTER the instructions had me sign the check " for Chime mobile deposit only '' then they gave me a message that the full amount would be deposited on or by Tuesday XX/XX/year>. 
On Tuesday XX/XX/year> at XXXX I called Chime to see where my money was. A man with an accent that sounded from XXXX told me his name was XXXX XXXX and said " my hold '' got extended to tomorrow and he didn't know why. 
I went home and researched the laws in South Carolina and then tried to call Chime back. 
At XXXX I called Chime back and the woman who answered refused to give me her name but said that the reason for the extended hold was that the image was blurry and the system was having a hard time with it. I told her that that was a lie because the Chime system accepted my check on Tuesday XX/XX/year> and the system sent me a text telling me that the check was accepted. I also told her that I had called the other company and verified that the check had been cashed and cleared their system already. She said she didn't care. I asked for her name and she refused to give it. I told her they were breaking the law and she said she didn't care. I told her that in South Carolina you can not extend a hold without providing valid reason in writing for the hold when asked for it. She said she didn't care. I said I wanted my money and I was going to file a police report. She didn't care. 
Chime is a fraud and they are stealing money. If they cash that check and then hold onto the money for ANY period of time before depositing it into my account then it is theft. Once they cash that check with the other bank, they are breaking the law by now giving that money to me. Once Chime provides me with a " hold date '' then they have to honor that date. It does no good to provide a date and then start changing that date behind the customers back to suit their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal permanently limited my account without prior notice or a clear explanation and is now withholding my funds for 180 days. These funds belong to me and are not connected to fraud, disputes, chargebacks, or illegal activity. 

PayPal has failed to identify any specific transaction, policy violation, or legal requirement that justifies holding my money. I was not provided due process, evidence, or a meaningful opportunity to appeal before my funds were restricted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IN

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

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 2026-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I attempted an instant transfer on Venmo on XXXX XXXX at XXXX. Venmo stated the transfer had been complete at XXXX but the funds were never allocated to the new bank account. The Venmo transaction ID # is XXXX. The bank account they should have been transferred to last XXXX digits are XXXX. The bank account last XXXX digits the funds were sent from ends in XXXX. 
Venmo has credited me XXXX $ for the transfer not being instant, but has not given me the rest of the {$390.00}. 
I reached out to them twice to resolve the issue. The first time was a week after the error. I did not receive a case number or a follow up email as I was told I would. The second time I reached out was XX/XX/year>. I spoke with XXXX who said someone would email me about the issue in XXXX business days and gave me the case number XXXX. I did not receive an email and they did not follow through with my claim or dispute. 
It has been over a month and there has not been any attempted follow up to resolve the issue of the missing {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Sofi 's handling of a disputed transaction, including both the initial unauthorized charge dispute and the banks subsequent actions that have caused severe financial hardship and imminent risk of homelessness. 

Initial dispute details : I disputed a charge from XXXX that was processed without proper authorization. While an underlying balance existed, I was actively working with XXXX to establish a payment plan due to hardship. XXXX presented multiple installment options, and before I accepted or authorized any option, they charged my card for the full balance. 

I did not authorize a one-time charge for the full amount. The dispute concerns lack of authorization and improper timing, not denial of the debt itself. I submitted screenshots with timestamps showing that negotiations were ongoing and no agreement had been reached prior to the charge. 

Bank handling and timeline : - Dispute filed on XX/XX/year> - Initially told dispute notice would be issued within 30 days - On day XXXX, informed resolution could take up to 90 days - Explicitly told a provisional credit would be issued if unresolved after 10 days - As of day XXXX, no provisional credit issued When I followed up, the bank stated it had changed the dispute classification after filing, and that under the new classification I was no longer eligible for provisional credit, despite prior representations. 

Key issues : - Dispute was reclassified after submission, impacting protections - Promised provisional credit was withdrawn - Conflicting information regarding dispute rights and timelines - No clear written justification provided - Evidence was submitted and not meaningfully addressed Hardship impact : I am a parent with XXXX children, and the disputed funds are necessary to maintain housing. The banks failure to issue the promised provisional credit has placed my family at immediate risk of homelessness. 

Requested resolution : I respectfully request that SOFI : 1. Issue the provisional credit or apply appropriate consumer protections to the unauthorized transaction.

2. Conduct an urgent hardship review. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation