vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b'To Whom It May Concern,\n\nI am requesting a reinvestigation under the Fair Credit Reporting Act, 15 U.S.C. 1681i and 1681e(b), regarding the following account that is reporting inaccurate and unverifiable information:\n\n**Creditor:** JPMCB Card Services\n**Partial Account Number:XXXX XXXXStatus:** Charge-Off\n**Reported:** XXXXThe account is being reported with multiple inaccuracies, including but not limited to:\n\n1. An incorrect or unverifiable **Date of First Delinquency** (reported as XXXX).\n2. A **balance** ($3,341) that exceeds the **credit limit** ($2,500), which is inconsistent with charge-off accounting rules.\n3. Missing fields such as original creditor, which prevents proper verification.\n4. Internal inconsistencies between the account status, balance, and activity designator.\n\nUnder FCRA 15 U.S.C. 1681e(b), credit bureaus are required to maintain accurate and verifiable information. If JPMCB cannot fully verify **all dates, balances, and status information**, then this account must be **corrected or deleted** from my credit report.\n\nPlease conduct a full reinvestigation and provide me with copies of all documentation used to verify this account.\n\nThank youXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> LVNU Funding XXXX XXXX XXXX XXXX, SC XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account.

Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title, including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information, if required by law in your jurisdiction.

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts from XXXX and XXXX XXXX were opened and reported on my commercial credit file without my authorization. These accounts do not belong to me and are the result of identity theft.

I submitted formal identity theft disputes and documentation to Equifax commercial, requesting removal of these accounts under Fair Credit Reporting Act 605B, which requires credit reporting agencies to block identity-theft-related information within 4 business days of receiving proper notice.

Despite receiving my disputes, Equifax refused to remove or block the fraudulent accounts and continues to report inaccurate information, causing ongoing financial harm. This is a clear violation of the FCRA a

nd Equifaxs legal obligations. I am requesting CFPB assistance to require Equifax to immediately remove these fraudulent accounts and comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX placed a management hold in the amount of - {$2000.00} on my high yield savings account. At the time, I had {$0.00} in my checking account. 

On XX/XX/XXXX, a deposit ( {$25.00} ) was made to my account from a friend and on XX/XX/XXXX, {$2.00} ( interest was credited to my account ). 

On XX/XX/XXXX, {$27.00} was withdrawn from my account ( external withdrawal to the bank ), leaving my account with a {$0.00} balance. 

On XX/XX/XXXX, I called the bank to request the management hold be removed ; the rep said it was a fraud hold and they had to contact the fraud department ; I was on hold for about XXXX minutes, they said the person who could remove the hold was not available and they would call me back later in the day. I never received a call. 

On XX/XX/XXXX, a deposit ( {$250.00} ) was made to my account from a friend. 

On XX/XX/XXXX, {$250.00} was withdrawn from my account ( external withdrawal to the bank ), leaving my account with a {$0.00} balance. 

On XX/XX/XXXX, I called the bank to request the management hold be removed ; the rep said it was a fraud hold and they had to contact the fraud department ; I was on hold for about XXXX minutes, they said the person who could remove the hold was not available and they would call me back later in the day. I never received a call. 

On XX/XX/XXXX, I called the bank to request the management hold be removed ; the rep said it was a fraud hold and they had to contact the fraud department ; I was on hold for about XXXX minutes, they said the person who could remove the hold was out of the office and they would call me back in XXXX hours. 

The bank has wrongly withdrawn {$280.00} from my account. The management hold was - {$2000.00} on XX/XX/XXXX is now - {$1700.00} on XX/XX/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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
XXXX XXXXXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXXXXX 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: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I sent {$40.00} for a purchase and not received I try to contact seller /re request money back and filed complaint with company over this they denied claim for refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
I have requested a modification, however, the lender has not given me an update or status of postponing the upcoming sale date on Monday, XX/XX/XXXX, XXXX. On XX/XX/XXXX, I sent to the lender a Non-Negotiable Notice of Debt Validation Request and Demand via Fax. The Notice was also sent to the foreclosing trustee, XXXX XXXX via fax. The Notice was also sent by United States Postal Service mail with tracking. These notices were sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), and the Truth in Lending Act ( TILA ). Under 15 USC 1692g ( b ) and California Civil Code 1788.17, all debt collection activities including foreclosure must cease, and once a debt is disputed in writing, validation is provided. This means the foreclosure sale currently scheduled for Monday, XX/XX/XXXX must cease. Legal Violations : The following laws are being violated by proceeding with the foreclosure sale : FDCPA ( 15 USC 1692g ( b ) ) : Requires debt collectors to cease collection until validation is provided.

Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Incorporates FDCPA requirements into California law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Confirms that nonjudicial foreclosure is debt collection under the Rosenthal Act.

TILA ( 15 USC 1601 et seq. ) : Requires clear disclosure of the creditor and terms of the debt and when that debt has been transferred. 
California Civil Code 2936 : An assignment of deed of trust without the underlying note is void. A deed of trust follows the note. The note does not follow a deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXXerizon promotes verizon credit card which says XXXX rewards for every XXXX  spent and can be used towards verizon bill payments. I have used Verizon credit card which is managed by Synchrony bank. In my Synchrony bank credit card account it shows I have accumulated XXXX XXXX There is no way to redeem within Verizon towards bill payments. I have reached out to Verizon multiple times, only leads to call transfer and finally disconnection of call. I am reporting this, this is false promise and created a systemic Rewards failure.

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 2026-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I clicked on a misleading XXXX advertisement out of curiosity and only consented to an eligibility check, not to apply for or finalize a loan. The lender deposited {$700.00} into my bank account without my final authorization after I declined the actual loan terms, which were significantly different from what was advertised. XXXX week later, the lender withdrew {$160.00} from my account without my consent or agreement to any repayment schedule. I am disputing this as an unauthorized electronic fund transfer and requesting that the unauthorized debit be reversed and the unauthorized deposit returned through my bank.

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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
about 10 days ago, I tried to login to my account, it was locked, so I called citi bank customer service, I was transfer here and there, I can not get an answer. One of the calls finally got me to one person said it was locked, due to fraud, your account is being closed, once the investigation if finished, the fund belongs to you will be send to you as a check, it will take up to 60day.

I reached out to executive office, the crated a case and told me they will find out for me, but it can take up to 15days, before they can get me an answer.

Today again, I spoke to executive office, I told them there was a check XXXX dollars, my husband sold his business and finally closed the business checking account and he deposited that check to the personal checking account. At least they can see the in and out of that XXXX dollars, they need to release the fund immediately. And again I did not use my account any differently, why is it suddenly they think its fraud. 

I need my funds return to me immediately. CFPB can not allow Citi to do this. Please rectify the situation. 

Thank you

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 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am submitting a complaint regarding an unfair and unexpected retroactive interest charge applied to my Zales credit card issued by Comenity Bank. 



Details of the transaction : Purchase date : XX/XX/XXXX Purchase amount : {$2000.00} Promotional financing : Deferred/Promotional interest offer Payments made : Consistent monthly payments of {$150.00}, along with additional payments, as shown in my statements Retroactive interest applied : {$630.00} on XX/XX/XXXX Despite making timely and consistent payments, Comenity Bank applied a lump-sum retroactive interest charge without prior clear disclosure. At no point was I clearly informed that failing to pay the full purchase balance within a promotional period would result in such a large deferred interest charge. When I contacted Zales/Comenity customer service, my request for explanation, documentation, and removal of this charge was refused, and I was not provided with proof of disclosure for any deferred or promotional interest terms. 



Under the Truth in Lending Act ( TILA ), deferred interest on promotional accounts must be clearly disclosed, and retroactive interest can not be applied unexpectedly to a consumer who has been making timely payments. I believe this charge is unfair, misleading, and in violation of consumer protection rules. 



I am requesting CFPB assistance to : Remove the {$630.00} retroactive interest charge from my account. 

Allow me to pay only the remaining balance of my original purchase. 

Require Comenity Bank to provide clear written documentation of any deferred or promotional interest terms. 

Investigate whether this practice violates TILA or other consumer I request urgent review and resolution of this matter, as the charge is unjust and unexpected, and I have been making consistent payments in good faith. 



Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
I am submitting this complaint regarding Hancock Whitney Banks repeated and ongoing failure to comply with the Americans with XXXX XXXX ( XXXX ), resulting in my continued inability to access my own financial assets and the improper assessment of account fees. 

This is not the first occurrence of this issue. Hancock Whitney has again XXXX my online banking access without explanation. As with the prior incident, the bank has refused to restore access unless I appear in person at a physical branch. 

I am a customer with a physical XXXX recognized by the federal government and by other entities ( XXXX XXXX XXXX ) that makes me wheelchair-bound and unable to visit a bank branch in person. Hancock Whitney is fully aware of this, as I have disclosed it previously and requested accommodations before. Once again, the bank refused to provide any accommodation and insisted that in-person appearance was the only option. This effectively bars me from accessing my own account solely because of my XXXX, creating a discriminatory barrier to essential banking services. 

Under XXXX XXXX of the Americans with Disabilities Act, places of public accommodationincluding banksare legally required to provide reasonable modifications to policies, practices, and procedures when necessary to afford services to individuals with disabilities. Specifically : 42 U.S.C. 12182 ( b ) ( 2 ) ( A ) ( ii ) requires public accommodations to make reasonable modifications in policies, practices, or procedures, when such modifications are necessary to afford such goods, services, facilities, privileges, advantages, or accommodations to individuals with XXXX, unless doing so would fundamentally alter the nature of the service. 28 C.F.R. 36.302 ( a ) ( Department of Justice XXXX regulations ) further provides that a public accommodation shall make reasonable modifications in policies, practices, or procedures when the modifications are necessary to afford goods, services, facilities, privileges, advantages, or accommodations to individuals with XXXX. 

Compounding this issue, XXXX XXXX continues to charge a XXXX XXXX  monthly service fee while I am locked out of my account and unable to manage my funds, monitor balances, or meet fee-waiver requirements. These fees are being assessed while the bank itself is preventing access, causing direct and ongoing financial harm. 

This pattern demonstrates repeated failure to provide reasonable accommodations under the XXXX, improper restriction of account access without adequate justification, financial harm caused by fees assessed during an unlawful lockout, and inadequate internal controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I disputed a charge of {$2000.00} on XX/XX/XXXX because the item was never delivered to me. XXXX later confirmed that the package was given to someone outside my building and that the signature on the delivery was not mine. 

Synchrony Bank reopened my dispute on XX/XX/XXXX and stated in writing that the review would be completed within 60 days and that no interest or fees would accrue on the disputed charge. 

As of XX/XX/XXXX, the dispute is still marked under review. No written determination has been provided, and the charge remains on my account. This exceeds the time frame promised by Synchrony Bank and the investigation period allowed under the Fair Credit Billing Act.

Although the charge is marked as disputed, it continues to appear on my statements and affects my account balance and credit utilization. I have complied with all requests for documentation, and Synchrony confirmed receipt of my evidence.

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 2026-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I sent a written debt validation request to Debt Recovery Solutions , LLC on XX/XX/XXXX, regarding a payday loan account originally from Speedy Cash in the amount of approximately {$480.00} that is now being reported as {$2100.00}. XXXX confirms delivery and signature at the collectors office on XX/XX/XXXX. 

The collector did not provide any documentary validation of the alleged debt and continued to report the account to consumer reporting agencies. I disputed the account with XXXX XXXX XXXX XXXX, and in XXXX all three bureaus responded that the account was verified based solely on the XXXX certification, not on any documentary proof. 

I sent a second written demand for validation and deletion, which XXXX confirms was delivered to the collector on XX/XX/XXXX. The collector again failed to provide the original loan agreement, a complete itemization showing how the balance increased from the original amount to {$2100.00}, or proof of assignment showing legal ownership and authority to collect. 

In XX/XX/XXXX, the collector sent a late email claiming validation, but it was sent to an incorrect/old mailing address and did not include any documentary proof of the debt. 

The collector has continued reporting this account to credit bureaus despite failing to provide lawful validation. I am requesting that the collector be required to either provide proper validation or delete the account and cease all collection and reporting activity.

Company response to consumer: Closed with explanation