vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am writing pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), to formally request that you cease all communication with me regarding the above-referenced account ( Account XXXX. XXXX ). Under 1692c ( c ) of the FDCPA, once a consumer notifies a debt collector in writing to cease communication, you are legally required to immediately stop contacting me regarding this debt, except as outlined by law. Any continued communication after receipt of this notice may constitute a violation of federal law. Radius Global Solution has failed to provide a debt validation when requested. This notice applies to all forms of communication including, but not limited to, telephone calls, letters, emails, text messages, or any other method used to attempt collection. I request that you direct all further communications, if any legally permissible, in writing only, and strictly in compliance with federal law. Please note, this letter does not waive any rights I may have under the FDCPA or applicable state laws, nor does it constitute an acknowledgment of any debt. Failure to comply with this request for cessation may result in formal legal action and complaints to the Federal Trade Commission, Consumer Financial Protection Bureau, and relevant state authorities. Kindly provide written confirmation that you have received this notice and that all communication efforts regarding this account will comply with my request to cease. Thank you for your prompt compliance.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted XXXX wire transfers from my Chase account. XXXX for {$5000.00} was successfully approved and processed. The second transfer for {$3000.00} was declined by Chase after a security verification call. During that call, I was explicitly informed that the {$3000.00} transfer would NOT be processed. Based on that information, I did not attempt to resend or authorize the transfer again. Instead, I sent the payment to the vendor using a different account. On XX/XX/year>, I received a notification stating that the previously declined {$3000.00} wire transfer had been processed. I did not authorize, re-initiate, or approve this transaction at any point after it had been declined. Immediately upon receiving this notification, I contacted Chase and filed a claim. I requested a full investigation and an explanation of how a transfer that had been declined by the bank was later processed without my authorization. Chase later informed me that they were unable to recover the funds and that the money was lost. However, they have not provided a clear or sufficient explanation as to how this unauthorized transaction occurred. This situation involves a wire transfer that was : - Explicitly declined by the bank - Never re-authorized by me- Later processed without my consent I am requesting : XXXX. A full reimbursement of the {$3000.00} XXXX. A detailed explanation of how a previously declined transaction was later executed XXXX. Documentation of the banks investigation This transaction should be treated as an unauthorized transfer and a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding Chase Bank handling of a debit card dispute for merchandise not received on XXXX XXXX purchased furniture from XXXX XXXX in XXXX Ny and signed the receipt in store at the time of payment.The receipt includes a preprinted statement indicating received in good condition but it was signed at the point of sale and not the time of delivery.The furniture was never left in my possession the company took it back.Chase bank is relying on merchants documentation which incorrectly treats my in store signature as proof of delivery .The purchase was for $ XXXXEvidence of furniture company taking furniture back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I had signed up for an XXXX XXXX free trial using my Goldman Sachs issued Apple Card. I canceled the subscription during the trial period. I was still charged for a full annual subscription totaling approx {$100.00} inclusive of tax. Goldman & Apple offer only a XXXX dispute process online. I filed the dispute which was denied within a few hours. I appealed that finding and received a denial the following day with a note saying the decision was final. They never responded to my request of reasoning why it was denied or proof that I failed to cancel the subscription. In fact, their system clearly shows the subscription canceled. I have captured screen shots documenting the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Zions Debt Holdings. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that XXXX XXXX XXXX currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Zions Debt Holdings. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
UCB united collections bureau. Called me and I gave them my email and confirmed my address and asked them to not call my phone any more. The lady said she will not remove my number and call during the legal times, and they have a right to call once every XXXX days no matter if I ask them not to. I have this lady recorded on my XXXX saying she will keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My PayPal account, XXXX. was limited in XXXX, preventing me from accessing and redeeming my paypal credit card reward totaling {$300.00}. I have already attempted to resolve this through PayPals Resolution Center by submitting all requested documents in XXXX ( Reference ID : XXXX ). Despite my full compliance with the PayPal User Agreement, the limitation remains without a clear explanation or path to resolution. This prolonged restriction of my funds is causing significant XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Cardholder : XXXX XXXX XXXX Merchant : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Dispute Reference Numbers : XXXX XXXX XXXX I purchased a round-trip airline ticket through XXXX XXXX and successfully completed the outbound leg of the journey. Approximately one week before the return flight, I updated the return itinerary to depart from a different airport. This change was confirmed, and my name was correct on my receipt and in the XXXX XXXX reservation system. When I arrived at the airport for the return trip, I was unable to retrieve a boarding pass. XXXX XXXX staff stated that the name in their system did not match my booking, even though my name was correct in the XXXX XXXX system and on my confirmed reservation. Because of this airline system or technical mismatch between XXXX XXXX and its codeshare partner XXXX, I was denied boarding for the full return journey. This issue was not caused by passenger error. I therefore did not receive any portion of the return travel that I purchased and am disputing the return half of the ticket charges due to services not rendered as a result of airline technical failure. I disputed the charge with Capital one, they received a partial refund from XXXX XXXX without a justification of the partial refund and have closed the dispute as well as refused to work the disputed company, and have told me, I need to continue the dispute with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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 filing this complaint regarding inaccurate and unverified information being reported on my credit file by LVNV Funding LLC. I requested proper validation of this alleged debt, including documentation showing the original agreement, complete payment history, and proof that LVNV Funding LLC has the legal right to collect and report this account. To date, no such documentation has been provided. Despite the lack of validation, this account continues to be reported to the credit bureaus. Additionally, this account is being reported with inconsistencies across credit reporting agencies, including differences in balances, dates, and account history. These discrepancies indicate that the information is not accurate or properly verified. This conduct violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Requested resolution : I am requesting that this account be fully validated with proper documentation or immediately deleted from all credit reporting agencies. All collection and reporting activity must cease until proper validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>, I was attempting to deposit {$500.00} cash at Trustmark bank ATM located in drive through at the branch # XXXX in XXXX XXXX {$400.00} in denominations of {$5.00}, {$10.00}, and {$20.00} 's and one {$100.00} bill. When prompted to insert the cash, I inserted the {$500.00}. The door closed, I heard a shuffling noise that sounded as if it was counting the money, then the door reopened and it gave me the {$100.00} bill back and the door closed and then a triangle with an exclamation point came up on the screen and said " transaction canceled ''. No receipt given, no deposit of my remaining {$400.00}. I waited to see if it would work But it didn't. I pushed the contact button that said customer service and a representative came on and gave me a time stamp slip of paper with a number of the atm and a customer service phone number. I went inside and spoke with XXXX and she said she would follow through with XXXX because she said that Trustmark didn't control their ATMs in their drive through. She said that when XXXX did their next audit they would get back to her. On XX/XX/XXXX she said that XXXX didn't report an overage and all she could do is turn the issue over to security. Meanwhile I'm out of my {$400.00}.

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: GA

Complaint narrative:
I contacted the company and the vendor and arranged for the return of the trailer after rejecting the terms due to misrepresentation. This account is inaccurate, unverified, and does not reflect the true status of the transaction. It has also come to my attention that the trailer was resold by the vendor since I returned the trailer. I don't have a balance as the merchandise was returned and terms rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: Chime Financial Inc
State: AZ

Complaint narrative:
Formal Complaint Chimes Premature Dispute Denials, Failure to Investigate, and Violations of Regulation E To the Consumer Financial Protection Bureau, I am filing this complaint to report serious, repeated, and systemic violations of Regulation E by Chime Financial , Inc. Chime has denied all of my transaction disputes within 24 hours of submission, which makes a reasonable investigation procedurally impossible under 12 CFR 1005.11. This conduct demonstrates a pattern of badfaith dispute handling, failure to investigate, and disregard for federal consumer protection laws. Chime Financial , Inc., along with its partner banks The XXXX XXXX, XXXX. and XXXX XXXX, XXXX, failed to comply with their obligations under Regulation E. As the regulated financial institutions behind Chimes accounts, XXXX and XXXX are legally responsible for ensuring proper dispute investigations and oversight. Summary of Violations Chimes actions include : Immediate denial of all disputes within 24 hours, without conducting a reasonable investigation. Failure to request or review supporting documentation, despite my attempts to provide evidence. Failure to provide provisional credit where required by law. Failure to investigate unauthorized transactions, duplicate charges, and merchant errors, all of which qualify as errors under Regulation E. Issuing blanket denials that appear automated and not based on any factual review. A pattern of misconduct consistent with widespread complaints filed against Chime for identical violations. A denial issued in under 24 hours especially across multiple disputes is not an investigation. It is a refusal to investigate. Why This Requires CFPB Intervention Chimes conduct appears to constitute : Willful noncompliance with Regulation E Unfair or deceptive acts or practices ( UDAP ) Systemic failure of disputeresolution procedures Lack of required oversight by its partner banks ( The XXXX XXXX, XXXX. and XXXX XXXX, XXXX. ) This is not an isolated incident. It is a repeat pattern that has caused financial harm and denied me the protections guaranteed under federal law. Conclusion Chimes repeated refusal to conduct lawful investigations, combined with their pattern of immediate denials, demonstrates bad faith, negligence, and systemic noncompliance. I am requesting immediate CFPB intervention to ensure accountability and correction of these violations. Thank you for your attention to this matter. Sincerely, XXXX XXXX

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

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 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 2026-05-05 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>, I accidentally transferred XXXX USDT via the Ethereum ( XXXX ) network to the PYUSD receiving address generated by my PayPal account. The blockchain ledger ( TxID : XXXX ) confirms that the funds were successfully delivered to the wallet address : XXXX. I immediately contacted PayPal live chat support. The agent, " XXXX, '' provided contradictory and technologically incorrect information, claiming the funds were not received because the asset is unsupported, despite the immutable blockchain evidence proving the funds are in PayPals custody. Furthermore, when I requested a formal Case ID or Interaction ID to track this issue, the agent explicitly refused, stating " we do not have case id nor a ticket with this reporting, '' and then forcefully ended the chat session. While PayPals front-end UI may not display USDT, the funds are securely held in PayPal 's custodial architecture ( managed via XXXX ). Refusing to initiate a standard manual recoverya common procedure in the digital asset industryallows PayPal to effectively confiscate consumer property. I am willing to pay an administrative fee for recovery, but PayPals refusal to even document the request or provide a Case ID is a violation of fair financial practices. I have also escalated this matter via email to PayPals XXXX XXXX but have yet to receive a resolution. I am seeking the CFPB 's assistance to compel PayPal to manually recover these funds and either credit them to my account or return them to the originating address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint against National Credit Systems Inc. for reporting inaccurate and unverified debt information to the credit bureaus and failing to properly investigate and correct disputed information. The collection agency is reporting a balance of {$17000.00}, which is incorrect. I have documentation and receipts proving that I paid {$10000.00} toward this account. These payments were not informalthey were made through the official registry of the XXXX XXXX XXXX XXXX, which provides a verifiable and legally recognized record of payment. Despite providing evidence and disputing the debt, the company continues to report the inflated and inaccurate balance to all three major credit reporting agencies : XXXX, XXXX, and XXXX. This conduct violates my rights under the Fair Debt Collection Practices Act, which requires debt collectors to accurately report debts and properly validate disputed accounts. Additionally, their actions may violate the Fair Credit Reporting Act by furnishing incorrect information and failing to conduct a reasonable investigation after a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am disputing a medical debt currently in collections due to an unexplained {$68.00} overcharge. My insurance EOBs, my payment records ( over {$2000.00} paid ), and the hospitals own itemized bill all match and confirm my patient responsibility. However, my statement includes an additional {$68.00} that the hospital has been unable or unwilling to identify. Over multiple months, I have requested a clear explanation of this specific amount. The hospital has only sent repeated generic responses and duplicate itemized bills, and has refused to escalate or provide any breakdown of the {$68.00}. I have repeatedly stated I will pay my bill IN FULL when the statement reflects the correct amount owed. Despite this unresolved dispute, the account was sent to collections. Attempting to collect an amount that can not be identified or validated is improper. I am requesting : Full validation of the {$68.00} charge Immediate suspension of collection activity Correction or removal of the inaccurate balance If this amount can not be documented, it should not be collected.

Company response to consumer: Closed with explanation