vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am a sole proprietor physician filing this complaint regarding a {$20000.00} deposit hold and subsequent account closure that violates Regulation CC XX/XX/year> : Opened a business account in person at a XXXX branch and deposited a {$20000.00} signing bonus check. The check was issued by a major healthcare corporation. No written hold notice was provided at the time of deposit, which is a violation of Regulation CC notice requirements. XX/XX/year> : I contacted Chase and was told that a fraud hold was placed. I immediately provided lease agreements and EIN documentation to verify my SP. XX/XX/year> : The company claimed the documentation was " insufficient '' because the address could not be cross-referenced on a state website ( noting that the state in question does not list addresses for this specific business type ). I then provided a formal letter on the payors corporate letterhead confirming the check 's validity. XX/XX/year> : Digital access to the account was revoked without notification. I contacted the branch manager ( XXXX XXXX ) who stated the corporate letter was insufficient. The company claimed they could not " verify '' the check because they could not reach the payor via a phone number in their internal database. I provided the direct name and phone number for the payor 's staff accountant, which the company refused to use as they stated it was not veriable. XX/XX/year> : Followed up as the funds remained unavailable. The company provided no update and continued to withhold the {$20000.00} balance. XX/XX/year> : Visited the branch in person. The company informed me the account was closed. I was told the funds would not be released because the check remained " unverifiable, '' despite the fact that the issuing bank confirmed the funds cleared their account weeks prior. A formal closure letter was only provided to me because I specifically demanded it during this visit ; it had not been mailed or issued previously. Summary of Actions & Violations The Companys Actions : Withheld {$20000.00} for 26 days ( 19 business days ), failed to provide legally mandated Regulation CC hold notices, and closed the account while retaining cleared funds. My Actions : Provided state-issued tax ID ( EIN ), a corporate verification letter from the payor, and direct contact information for the payors accounting department. Result : The company is currently in possession of cleared funds belonging to me but refuses to disburse them or return them to the payor, citing a failure of their own internal phone-verification protocols. Desired Resolution Immediate release of the {$20000.00} balance via cashier 's check or an immediate reversal of the deposit back to the payor so the funds can be reissued via wire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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 filing a complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services regarding failure to validate an alleged debt. On XX/XX/year>, I formally requested validation of the debt they claim I owe. As of today, they have not provided any documentation or evidence to verify that this debt is accurate, that I am the correct consumer, or that they have the legal right to collect. Despite my request, the account continues to be reported on my credit report and/or collection activity may still be ongoing. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection efforts until proper validation is provided. I am requesting that LVNV Funding LLC and Resurgent Capital Services : 1. Provide proper validation of the alleged debt, including original creditor information, account documentation, and proof of their authority to collect ; or 2. Immediately cease collection activity and remove the account from my credit report if they can not validate the debt. I also request that this matter be investigated and that appropriate action be taken to ensure compliance with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had opened a Capital One account and they wanted me to deposit a {$200.00} security deposit or something like that and I did but instead of {$200.00} I loaded XXXX XXXX I put {$530.00} onto the new account. I got the card in the mail and everything and they said I couldnt use it or I couldnt get it back because I had to verify my income, but I dont have income. I am a homemaker the bank that I had XXXX XXXX was too new. They wanted three months recent three months of bank transactions and I dont have my bank account that long so I asked for my money back and they didnt wan na give me my money back. Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
{$100.00} XXXX XXXX XXXXXXXX not my debt. Contacted creditor XX/XX/XXXX and XX/XX/XXXX. Will not provide info regarding proof this debt is mine. I have never had XXXX XXXX or anyone in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: CT

Complaint narrative:
In XX/XX/XXXX, I noticed a collection on my credit report from American Coradius International, listing an original creditor as XXXX XXXX XXXX for {$35000.00}. In XX/XX/XXXX, I also received a letter from American Coradius International by mail listing that I owe a the same amount to an original creditor of XXXX XXXX XXXX XXXXXXXX. This shows an inconsistency in what is being reported to the bureau and what reflects in their internal records. However, I paid off the account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, through a different collection agency, so regardless this debt has already been resolved and no agency should be pursuing further collection. I disputed the American Coradius account through XXXX in XX/XX/XXXX, including proof of payment to XXXX XXXX XXXX for the same XXXX XXXX XXXX XXXX XXXX. account. The debt came back as 'verified ' by American Coradius and continues to report on my credit. I then immediately contacted American Coradius to request debt validation directly, and they were unable to provide the requested information. I am submitting a complaint because I do not believe American Coradius is following FCRA 15 U.S.C. 1681s-2 ( b ) properly. They verified an already paid debt without proper investigation, are unable to provide debt validation and have a clear discrepancy in their Bureau reporting and internal records. I have requested that they delete this account from future credit reporting and cease all further collection attempts. XXXX representatives suggested that I file a complaint in order for them to reopen the dispute and do a further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding an account reported and collected by TEK-Collect Inc . I submitted a request for validation of this alleged debt. The company failed to provide sufficient documentation to verify the account. While the minor patient was being treated she was under the care of her biological father who agreed to aquire the debt and did so at the office and payment methods. Specifically, the company did not provide : - A complete transaction history - An itemized breakdown of the balance - Documentation showing how the balance was calculated - Sufficient proof that I am legally obligated for this debt Despite this, the account continues to be reported on my credit report. Under the Fair Credit Reporting Act, only accurate and verifiable information may be reported. Because this account has not been properly validated, it remains unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, my PayPal account was taken over by an unauthorized party who carried out a deliberate multi-step fraud scheme resulting in a total loss of approximately {$860.00}. The fraudulent actor : ( 1 ) used my PayPal cash balance of {$300.00} to purchase PayPal USD ( XXXX ) cryptocurrency without my authorization ; ( 2 ) transferred my existing XXXX holdings of approximately {$560.00} to an external wallet through 20 separate transactions on XX/XX/year> ; and ( 3 ) attempted an unauthorized bank transfer of approximately {$200.00} from my linked bank account, which I was able to stop. The transactions were broken into numerous small amounts, consistent with structured fraud to avoid detection. I did not initiate, authorize, or approve any of these transactions. I have three open PayPal cases : XXXX XXXX XXXX, and XXXX. I also filed a police report with the XXXX Police Department ( Case No. XXXX ). PayPal has since closed my crypto account without my request or authorization. I did not close this account. Additionally, I requested that PayPal lock my account to prevent further unauthorized transactions, which means I no longer have access to the Resolution Center to manage my dispute through normal channels. PayPal has not reimbursed my losses or provided a satisfactory resolution. They have not provided me with the destination wallet addresses of the unauthorized transfers, which are needed for law enforcement tracing. I am requesting that the CFPB compel PayPal to : ( 1 ) fully reimburse my losses of approximately {$860.00} ; ( 2 ) provide a complete transaction history for XX/XX/year> including all external wallet destination addresses ; ( 3 ) provide a written explanation of why my crypto account was closed ; and ( 4 ) restore my access to my account dispute tools.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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 filing a complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services regarding failure to validate an alleged debt. On XXXX XXXX XXXX I formally requested validation of the debt they claim I owe. As of today, they have not provided any documentation or evidence to verify that this debt is accurate, that I am the correct consumer, or that they have the legal right to collect. Despite my request, the account continues to be reported on my credit report and/or collection activity may still be ongoing. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection efforts until proper validation is provided. I am requesting that LVNV Funding LLC and Resurgent Capital Services : 1. Provide proper validation of the alleged debt, including original creditor information, account documentation, and proof of their authority to collect ; or 2. Immediately cease collection activity and remove the account from my credit report if they can not validate the debt. I also request that this matter be investigated and that appropriate action be taken to ensure compliance with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: AR

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
Trying to collect money on closed accounts and account that was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
MOHELA, the servicer of my Direct Consolidation Loan that was disbursed on XX/XX/XXXX, is showing a principal balance on my account that is approximately DOUBLE the balance recorded in the Department of Education 's authoritative federal records. MOHELA account view ( as of XX/XX/XXXX ) : - Unpaid Principal : {$52000.00} - Unpaid Interest : {$250.00} - Current Balance : {$52000.00} - Original Principal at disbursement : {$52000.00} XXXX and XXXX ( as of XX/XX/XXXX ) : - Principal Balance : {$26000.00} - Outstanding Interest : {$42.00} - Total Balance : {$26000.00} - Total Amount Disbursed at consolidation : {$26000.00} - Underlying loans consolidated : ONE ( a Parent PLUS Loan originally disbursed XX/XX/XXXX for {$13000.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid in full by this consolidation ) MOHELA 's recorded balance exceeds the federal record by approximately {$26000.00} - essentially a duplicate of my loan. I have never had more than one Parent PLUS loan. The original amount was {$13000.00} ; the pre-consolidation balance shown on a XX/XX/XXXX Department of Education Debt Statement was {$25000.00} ; the consolidation amount recorded in XXXX is {$26000.00}. There is no lawful basis for the {$52000.00} balance MOHELA is reporting. MOHELA is charging 8.50 % interest on the inflated balance. This means approximately {$12.00} per day is accruing instead of the correct {$6.00} per day - an overcharge of roughly {$180.00} per month. The error has been present since at least XX/XX/XXXX ( I have a timestamped PDF of MOHELA 's Loan Details page from that date showing the same {$52000.00} balance ). Attempts to resolve with MOHELA before filing this complaint : 1. On XX/XX/XXXX, I called MOHELA at XXXX. The phone representative was unable to locate my account using my identifying information - despite my account being actively accessible at that same moment through MOHELA 's secure web portal using the same identifying information. Resolution by phone was impossible. 2. On XX/XX/XXXX, I submitted a detailed dispute through MOHELA 's secure messaging system. I am also an Exhibit C borrower in XXXX XXXX XXXX, and my Borrower Defense Application is currently " In Review '' at XXXX XXXX XXXX for this same loan. I am concerned that if XXXX issues a BD discharge while MOHELA 's system reflects the doubled balance, the discharge may only cover the actual balance and leave a phantom amount on MOHELA 's books, or the discharge may be delayed due to the data mismatch between servicer and federal records. Supporting documentation attached includes : the XXXX XXXX export, the MOHELA Loan Details PDF dated XX/XX/XXXX, screenshots of the MOHELA website and XXXX both dated XX/XX/XXXX showing the discrepancy, and the XXXX Parent PLUS loan detail showing the original {$13000.00} loan paid in full by consolidation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Deposited XXXX $ at XXXX. XXXX at XXXX at Chase branch in XXXX XXXX XXXX. Machine malfunctioned and didnt acknowledge either my deposit or print a receipt. Only got a error message and to call the number. They told me they would credit the account temporarily with XXXX $ within 2 hours. Nothing happened and I called back now they said 2 days. Still no money now they say 14 days. I have no available fund mean while and account is now overdrawn. This is causing big problems as I m not able to do my work as I need money to fill gas on my car as well as food for the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: FL

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services regarding failure to validate an alleged debt. On XX/XX/year>, I formally requested validation of the debt they claim I owe. As of today, they have not provided any documentation or evidence to verify that this debt is accurate, that I am the correct consumer, or that they have the legal right to collect. Despite my request, the account continues to be reported on my credit report and/or collection activity may still be ongoing. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection efforts until proper validation is provided. I am requesting that LVNV Funding LLC and Resurgent Capital Services : 1. Provide proper validation of the alleged debt, including original creditor information, account documentation, and proof of their authority to collect ; or 2. Immediately cease collection activity and remove the account from my credit report if they can not validate the debt. I also request that this matter be investigated and that appropriate action be taken to ensure compliance with federal law. Thank you.

Company response to consumer: Closed with explanation