vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a customer with Chase Bank since XXXX. On XX/XX/XXXX, I visited the Chase Bank branch at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, to deposit a cashier 's check into my checking account. The amount of the check was {$25000.00}, and the bank teller, XXXX XXXX, processed my transaction. However, the bank XXXX, XXXX XXXX, inspected the check and accused me of attempting to deposit a counterfeit check, subsequently canceling my transaction. I am 100 % certain that the check was legitimate. I found XXXX XXXX XXXX behavior to be completely unprofessional. He threatened me, stating that if the check was indeed counterfeit, my account would be closed. I explained to him that I knew the person who issued the check and confirmed its authenticity. Unfortunately, he was rude and seemed to abuse his position as the bank XXXX. Due to his unacceptable behavior, I have decided to close my account with XXXX. I will not tolerate being disrespected, and his conduct was entirely out of line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, did not authorize or benefit from any of the inquires above.I formally dispute the accuracy, completeness, and lawful reporting of any charge-offs, late payments, and collections on my consumer report. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), including XXXX, XXXX, and XXXX, all information must be accurate, verifiable, and properly reported. Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and applicable laws, any item lacking proper validation, authorization, or accurate history must be corrected or deleted. This is not an admission of liability. All rights reserved.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
My car dealership put a {$200.00} hold on a loaner car for me and when I return the loaner card, they released the XXXX funds and cash app wont put it the XXXX back in my account. Its been going on XXXX months and Ive been asking and they said that before they can do that, the company has to release the fire wall as soon as I returned the car, the company release the funds and cash app is not putting the XXXX back in my account. Also I sent my son money. I had {$320.00} in my account I sent my son {$26.00} that wouldve left me an even {$300.00} vanished from the account and put me under XXXX. So I asked him about that. They said we dont have any record of XXXX dollars missing or took an extra XXXX dollars and XXXX like so its not the first time and they are just taking money from me left and right

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I was sending my XXXX money through cash app and he had closed his account and started a new one without my knowledge so I sent money to a closed account and cash app let me send money to an account that was closed and then denied my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the following account on my credit report : TOTAL XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} I do not believe this account is being reported accurately. Please verify this account by providing documentation that proves it belongs to me and that the balance is correct. If you are unable to verify this account, I request that it be deleted from my credit report immediately. Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
My mother paid for a veterinary visit on XX/XX/year> using her XXXX account ( Invoice # XXXX ). At the time of the visit, we were told the payment was successful. A few weeks later, we received a bill stating the balance was unpaid. We then paid the invoice again through XXXX, and the payment was completed in full on XX/XX/year>, which is reflected in the XXXX account. Despite this, the veterinary clinic reported the account as unpaid and sent it to collections. We contacted the clinic and provided proof of payment and the XXXX reference number, but they refused to recall the account or correct the error. I have since received collection notices and attempted to contact both the clinic and the collection agency without resolution. This debt is not valid, as it has already been paid in full.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I banked with wells Fargo they charged me so many overdraft fees over and over for the same check that it ended up taking close to XXXX. Never received any of it back.caused all my other checks to.bonunce as well.

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 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding a confirmed account takeover and financial loss involving Coinbase. Coinbase has acknowledged that my account was compromised through an email breach and unauthorized access. Their own investigation confirmed that : A new, unauthorized XXXX device accessed my account using a passkey My account email was changed without my authorization A new payment method ( Wells Fargo ) was added My cryptocurrency assets were sold without my consent Funds were withdrawn as XXXX currency to a bank account not belonging to me Despite confirming this unauthorized activity, Coinbase has denied reimbursement and stated that transactions are irreversible. I am concerned that Coinbase failed to implement adequate fraud prevention measures, including : Failure to flag or block access from a new device using a passkey Failure to detect or delay suspicious liquidation and withdrawal activity Failure to provide sufficient safeguards against account takeovers linked to compromised email accounts This matter is currently under active investigation with the XXXX Police Department, and a report has also been filed with the Federal Bureau of Investigation ( The Internet Crime Complaint Center ). I am requesting that Coinbase : Conduct a full internal fraud investigation review Provide all transaction logs, wallet addresses, and recipient banking details Reassess liability for the unauthorized transactions given the confirmed breach Cooperate fully with law enforcement and recovery efforts I am seeking assistance in holding Coinbase accountable for potential security failures and in pursuing recovery of my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I sent a written request for debt validation regarding an alleged medical debt. The company responded with billing summaries but failed to provide a signed contract, proof of legal ownership, or documentation showing I am legally responsible for the debt. The information provided does not meet validation requirements under the FDCPA. This debt remains unverified. I am requesting that this account not be collected or reported without proper validation.

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 2026-04-05 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit profile. Please investigate and remove the following inquiries immediately : XXXX XXXX ( Reported : XX/XX/XXXX ) XXXX XXXX ( Reported XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Reported : XX/XX/XXXX ) XXXX ( Reported : XX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to a complete and accurate credit report. Any inquiry not authorized by me must be removed. I request that you complete your investigation within the required 30-day timeframe and send me an updated copy of my credit report once the corrections have been made. Thank you for your prompt attention to this matter.

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 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am currently 13 days past due on my auto loan due to a total loss accident where the vehicle is no longer usable. I proactively contacted the lender to request hardship assistance or any available options to prevent my account from becoming 30 days past due and negatively impacting my credit. I was told that no review or assistance is available until the account reaches 30 days past due. This effectively requires me to become further delinquent and incur credit damage before any support options are considered. I am attempting to act in good faith to address this situation early, and I am requesting that the lender provide any available pre-delinquency hardship options, payment arrangements, or guidance to avoid further financial harm. I am seeking a fair review of my account prior to 30 days past due, due to the extenuating circumstance of a total loss vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF 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. Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681s-2, you have failed to provide. proper validation of the alleged debt. Your response with a generic statement balance does not meet federal legal requirements. You are hereby in violation of federal law. You must provide the following immediately : 1. Original signed contract bearing my signature ; 2. Full chain of title of the alleged debt ; 3. Bill of sale proving ownership ; 4. Proof of licensing to collect in my state ; Failure to comply within XXXX days of receipt of this notice will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action. Additionally, under 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST all communication with me except to provide proper validation or confirmation of deletion. If you can not validate this debt, you must immediately delete all references from my credit report. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
Oxygen XL is reporting a collection account ( {$1400.00} ) on my XXXX credit report listing XXXX XXXX XXXX as the original creditor. XXXX XXXX XXXX is a commercial payment processing company that provides credit card terminals and merchant services to businesses. This debt, if it exists, originated from a business merchant services agreement with my commercial establishment ( a deli/smoke shop in XXXX XXXX XXXX XXXX ) XXXX I never signed any personal guarantee or personal contract with XXXX XXXX XXXX. I never signed any document making me personally liable for this obligation. This is a commercial business debt being illegally reported on my personal consumer credit report in violation of FDCPA 15 U.S.C. 1692a ( 5 ), which defines collectible debt as obligations for personal, family, or household purposes only. Additionally, my XXXX credit report shows Invalid date repeated XXXX times in the payment history for this account, demonstrating inaccurate reporting in violation of FCRA Section 623 ( a ) ( 1 ). The balance has also increased from {$1200.00} to {$1400.00} with no explanation. I sent a formal debt validation letter to Oxygen XL via XXXX Certified Mail on approximately XX/XX/year>. They have not responded or provided any validation. I am requesting immediate deletion of this account from all consumer credit reports and investigation into Oxygen XLs practice of reporting commercial debts on personal consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a FORMAL NOTICE OF DISPUTE, NONCOMPLIANCE, AND INTENT TO ESCALATE under the Fair Credit Reporting Act ( FCRA ). Account in question : ASPIRE CREDIT CARD Balance : {$800.00} You have continued to report this account as accurate despite failing to provide any competent evidence supporting its validity. This constitutes a failure to conduct a reasonable investigation as required under FCRA 611. To date, you have not provided : A signed contract bearing my signature Proof of authorization for this account A complete account history Documentation validating the reported balance Your reliance on automated verification systems such as e-Oscar does not meet the legal standard for a reasonable investigation. Pursuant to FCRA 611 ( a ) ( 7 ), I am demanding the following within 10 days : Full Method of Verification Name, address, and phone number of the data furnisher Copies of all documents used in your investigation If you are unable to provide the requested documentation, you are required to DELETE this account immediately. Be advised : failure to comply will result in immediate escalation, including formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for willful noncompliance under FCRA 616. This is your final opportunity to resolve this matter before escalation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
incorrect information is still reporting on my credit file even after i sent in my ftc report... company refuses to honor my request

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 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Formal Complaint Improper Loan Servicing, Misapplied Repayment Status, and Incorrect Balance Adjustment I am filing a formal complaint regarding the servicing of my federal student loans by Aidvantage following a recent Direct Consolidation. I have identified multiple serious servicing errors that have resulted in inaccurate account information, improper balance adjustments, and the issuance of misleading and contradictory notices. Issue 1 : Improper Removal of Loan Credit Based on Incorrect Payment Determination I received a notice stating that a 0.500 % loan credit was revoked due to an alleged failure to make my first 12 monthly payments on time. This determination is incorrect. At all relevant times, I was enrolled in an income-driven repayment ( IDR ) plan with a required monthly payment of {$0.00}. Under federal student loan guidelines, a {$0.00} required payment constitutes a qualifying, on-time payment. The assertion that I failed to make required payments reflects either a misapplication of federal repayment rules or a failure in servicing system accuracy. As a result of this incorrect determination, my principal balance has been improperly increased. Issue XXXX : Failure to Properly Apply Income-Driven Repayment Plan Following Consolidation Following my Direct Consolidation, I received a notice indicating that my loans are entering repayment with a monthly payment of {$320.00}. This is inconsistent with my eligibility for, and prior enrollment in, an income-driven repayment plan resulting in a $ 0 monthly payment. This indicates that : My IDR plan was not properly applied to my new consolidation loan, or My repayment status was incorrectly transitioned into a standard repayment plan without justification This failure has resulted in the issuance of an inaccurate and unaffordable payment amount and creates a risk of wrongful delinquency reporting. Concerns These issues demonstrate significant breakdowns in loan servicing accuracy, including : Misinterpretation of qualifying payments under IDR Failure to correctly transition repayment plans during consolidation Issuance of misleading and contradictory borrower communications Improper adjustment of loan balances Such errors are unacceptable given the servicers obligations under federal student loan servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXXsomeone stole my chime debt card out of a mailbox where I was staying. I was incarsarated XXXX. they withdrew an charged 6400.00 fraudulently. an stole my social security check each month . I filed an police report# XXXX XXXX XXXX XXXX with JXXXX XXXX police department . then filed a dispute with chime 2 times. then sent proof I was in prison an even XXXX XXXX on my case said there was nop way I could've made these withdraws an charged. she even said it was fraud. yet they still want give me these stolen funds. I'm filing this complkanmt an also going hire an attorney. I need these stolen funds back. they are violating my rights under electronic transfer act. please feel free contact detective XXXX XXXX XXXX XXXX XXXX police department she will verify I was in prison an it was fraudulent withdraws an charges they then closed my account where I could add new information an upload new docs. they are very unfair. an put me threw so much. I need help getting these stolen funds"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Trying to change property address on cottage loan, They have failed several times. Trying to add house ins for property address before they charge me with theirs. They have failed several times applying correct ins. Now theyre charging me {$700.00} for laps in house ins and mine has always been active. The laps is only on their end from to many mistakes on there end receiving my ins and getting it right. This has been going on since XX/XX/XXXX, over XXXX days and hours on the phone with them.

Company response to consumer: Closed with explanation