vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I received a phone call from XXXX ( XXXX ) XXXX. When I answered, I first heard an automated message ( IVR ) similar to the XXXX Chase uses, which led me to believe the call was legitimate. The call was then transferred to someone who identified themselves as being from Chase 's fraud department. This person informed me that there was suspicious activity on my account : someone was trying to steal {$2500.00} from me through XXXX. They told me not to panic, that they would help me secure my account. To my surprise, the scammer knew that there were XXXX contacts on my XXXX list, contacts I had never added and whose presence on my account I couldn't explain. They told me that these XXXX contacts were the ones trying to steal the money. XXXX of these unknown contacts on my XXXX was : XXXX. The other contact was : XXXX. To " help '' me, he instructed me to share my phone screen with him via XXXX. This way, he could guide me through the Chase app. During this process, he confused and overwhelmed me with so many instructions, and in a moment of confusion, I ended up transferring {$2500.00} through XXXX to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2026-02-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Alliance One, Inc.
State: PA

Complaint narrative:
I need more than just amount owed.I need more owed I need a full print out of all the citations that I was charged with. I need numbers that was not provided to me and I was told alliance one can not provide me with the proper paperwork I need to send to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX, my Citi XXXX XXXX XXXX XXXX was closed when my XXXX membership expired. I had accumulated approximately $ XXXX in cash rewards, which should have been issued to me by check per Citi 's policy, but was not. In XXXX, XXXX, a Citi representative told me that if I renewed my XXXX membership and reapplied for the card, my $ XXXX reward would be reinstated. Based on this advice, I paid {$65.00} to renew my membership. After two phone calls each over one hour, Citi told me the reward could not be reinstated. A supervisor acknowledged the XXXX representative gave incorrect information. Citi confirmed the call recording exists but refuses to resolve the issue.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation information uber 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. Until you provide competent evidence that validates the debt which includes a signed agreement, full amount history, and verification of your authority to collect. You must cease all collections efforts and remove the information from my credit report.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Complaint against First Horizon Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX : XXXX XXXX. FACTS : On XX/XX/XXXX, I opened a checking account and deposited {$500.00} cash in person. XXXX wire transfers of {$5000.00} each ( {$15000.00} total ) from XXXX banks were received and credited. By XX/XX/XXXX, my available balance was {$15000.00}. On XX/XX/XXXX, I requested a {$10000.00} cashier 's check payable to my attorney. After 45 minutes, the branch manager placed a fraud hold. No written notice was provided. Later that day, my account showed - {>= $1,000,000} due to a {>= $1,000,000} hold entry on a {$15000.00} account. On XX/XX/XXXX, a clerk said a " $ XXXX fraud hold '' was placed and " it may take up to three months for a wire to be confirmed. '' I filed a written complaint via their online portal, email, and hand delivery on XX/XX/XXXX. No response. Corporate Client Services ( XXXX ) confirmed the account was " referred to internal account security for review '' with NO TIMELINE for resolution. I have been locked out of online banking. I have never received any written notice or communication from the bank. REGULATION CC VIOLATIONS : 1. Section XXXX ( a ) : {$500.00} cash deposited in person XX/XX/XXXX should have been available XX/XX/XXXX. Still unavailable. 2. Section 229.10 ( b ) : Three settled wire transfers should have been available next business day after receipt. Still unavailable. 3. The Federal Reserve 's compliance guide states " deposits of cash and electronic payments are not eligible for exception holds. '' The new account exception ( Section 229.13 ( a ) ( 1 ) ( i ) ) expressly requires next-day availability for cash and electronic payments. No Reg CC exception permits holding these deposit types. 4. Section 229.13 ( g ) : No written hold notice ever provided by any means. 5. Section 229.17 : No availability disclosure provided at account opening. 6. A {>= $1,000,000} hold on a {$15000.00} account creating a fictitious - $ XXXX balance has no basis in any federal regulation. Corporate confirmed this is an internal bank decision with no timeline. The " three months for wire confirmation '' claim is false - wire transfers are settled irrevocable funds under Section 229.2 ( ll ). RELIEF : Investigate these Reg CC violations. Direct First Horizon to release all funds, remove the $ XXXX hold, restore account access, and provide all required notices. I reserve rights under Section 229.21 for civil liability. Complaints also filed with : CFPB, FDIC, Florida OFR, Florida Attorney General. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding a misapplied payment for my Raymour & Flanigan credit card financed through TD Bank. A payment of {$700.00} was issued via XXXXXXXX XXXX XXXX by check on XX/XX/XXXX. The check was successfully cashed ; however, the payment has not been applied to my credit card account. In an effort to resolve this matter directly, I sent a certified letter to TD XXXX XXXX XXXX requesting a payment trace and application of the funds. The certified letter was delivered to their PO Box and marked as received on XX/XX/XXXX. As of today, XX/XX/XXXX, I have received no response, no acknowledgment, and the {$700.00} payment remains unapplied to my account. My account is currently in good standing because I am continuing to make the required minimum monthly payments to avoid late fees. However, this situation represents a payment processing or misapplication error, as the funds were cashed but not credited to my account. I am requesting that TD Bank locate and apply the {$700.00} payment to my account as of the original payment date, and provide written confirmation of the correction. I also request reversal of any related fees or interest that may result from this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the accuracy of the following accounts on my credit report. These accounts have been reported inaccurately, and I request that the information be corrected to comply with the Fair Credit Reporting Act ( FCRA ). Charged Off Accounts XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: SC

Complaint narrative:
QUALIA is falsely reporting on my credit. I have never had any accounts with them. Per my research QUALIA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: Continental Finance Company, LLC
State: NV

Complaint narrative:
I reported fraud on my account due to an XXXX XXXX XXXX XXXX breach that occurred between XX/XX/XXXXXXXX to XX/XX/XXXX. The creditor removed charges only up until XX/XX/XXXX. Furthermore, I had a credit balance on the XXXX statement, due XX/XX/XXXXXXXX of a negative {$140.00}. I could not have possibly been late in XXXX, nor any of the subsequent months into XXXX as reported by the creditor!! Lastly they also reported additional negative late reporting of 60 days in XXXX- which is impossible because I had a negative balance on XX/XX/XXXX statement. They then reported XX/XX/XXXXXXXX - 120 days late They then reported XX/XX/XXXXXXXX - 150 days late Then they reported XX/XX/XXXX - 180 days late Then they reported XX/XX/XXXXXXXX - 180 days late again!!!!!!!!!!!!!!! The XXXX XXXX XXXX data breach affected all of my accounts from credit cards, bank accounts, utilities, and more and has been for years now. I'm fed up with this bank. The above information was REPORTED in XX/XX/XXXXXXXX - 3 YEARS LATER! If this is NOT removed immediately I am going to seek violations of the FCRA for damages to my credit because this was reported repeatedly and they have yet to make any corrections after I have disputed this with this creditor XXXX XXXX times now. I want this account removed entirely from my credit. Period. XXXX XXXX XXXX Data Breach Details of which I am a member of the settlement for identity theft : The XXXX XXXX XXXX data breach covering XXXX activity involved the theft of call and text records for nearly all cellular customers, occurring between XX/XX/XXXX, and XX/XX/XXXX. While the data was stolen in XXXX, the breach was formally disclosed by XXXX XXXX XXXX in XX/XX/XXXXXXXX after unauthorized access to a third-party cloud platform. Key details of this XXXX breach : Scope : Included files from XXXX XXXX, with a smaller subset of records from XX/XX/XXXX. Investigation : The breach was linked to unauthorized access of an XXXX XXXX XXXX workspace on a third-party cloud platform ( XXXX ). Settlement : This incident is part of a {$170.00} XXXX settlement announced in XXXX related to multiple security failures

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 2026-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Formal Complaint Permanent Limitation and Fund Withholding Beyond 180 Days Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint to your agency against PayPal regarding the ongoing withholding of my funds, despite the 180-day limitation period having passed several years ago. My PayPal account ( registered email : [ XXXX ] ) was permanently limited in [ XXXX ]. At that time, I was informed that my funds would be held for up to 180 days. However, as of today, the 180-day holding period has long expired, and my account has been limited for over three years. Nevertheless, PayPal continues to withhold approximately XXXX XXXX from my balance without providing any clear explanation or legal justification. I have contacted PayPal multiple times requesting the release of my funds, but I have yet to receive any concrete explanation, written documentation, or evidence supporting the continued withholding of my funds. No clear legal or contractual basis has been offered for the long-term retention of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received a verification letter for a fraudulent application for Dell Pay from Comenity Bank. I called and informed them I made no such application and that this was criminal activity. They refused to cooperate when I asked them for the information on the application. I told them that the application was fraudulent and I have never had any dealings with Dell Computers whatsoever. They refused to cooperate in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I went online to submit a payment XXXX for {$190.00} via debit card. I just so happened to look at my account and noticed I was charged {$1600.00}, which I did not authorize. I immediately called XXXX XXXX and explained the situation then requested a refund. They said they could not issue a refund until tomorrow XXXX and they only issue a refund via check in the mail which they would overnight me the check. I explained to them I have bills that are due and can not wait until a check clears, which they then instructed me to contact my bank, Navy federal. I contacted Navy Federal to of which they said I would have to make a fraud claim and wait 10 business day to receive any provisions. The options they gave me are wait the 10 days, take out a loan, or receive a refund. I expressed to them that is totally unacceptable as this is an unauthorized transaction then requested a supervisor. The supervisor told me I would have to call XXXX XXXX becuase Navy Federal could not do anything to provide me with my funds. I then called XXXX XXXX and requested a supervisor which then the supervisor instructed me to call Navy Federal because they money is on hold or wait to issue a check. I cited Regulation E and then called Navy Federal again which I reiterated Regulation E rights and protections. I told them I am having financial hardships and I could not wait to up to 10 business days due to bills that I have to pay. They told me there was nothing they could do which then I requested this issue be escalated which they refused to do and stated there is nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
My vehicle was repossessed in XX/XX/XXXXXXXX and later sold on XX/XX/XXXXXXXX for {$1400.00}. I was never provided with any post-sale notice, accounting of the sale proceeds, or explanation of how any remaining balance was calculated. Bridgecrest is currently reporting a large balance and past-due amount to the credit bureaus without providing legally required documentation under UCC Article 9, including : - No post-sale accounting - No deficiency balance calculation - No proof that the sale was conducted in a commercially reasonable manner - No explanation of how the sale proceeds were applied In addition, the credit reporting is inaccurate and inconsistent : - The account shows a $ XXXX monthly payment when my contract requires {$570.00} per month - Different credit bureaus report different delinquency statuses for the same months - The balance and past-due amounts were not properly updated after the vehicle was sold I have requested documentation and clarification but have not received proper validation or proof of compliance. As a result, Bridgecrest is reporting information that I believe is inaccurate, incomplete, and not legally supported.

Company response to consumer: Closed with explanation