vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
Called XXXX XXXX : XXXX about XXXX debit card purchased on XX/XX/year> and declining transactions. They put you in a XXXX XXXX that has a main goal of hanging up on you. No way to speak to a human. Purchased on giftcardmall.com thru Blackhawk Networks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Exchange LLC
State: NC

Complaint narrative:
I am a XXXX XXXX being targeted by a debt collector and their law firm for a time-barred debt based on facially false and logically impossible data. This firm obtained a voidable judgment in XXXX XXXX, TN, by misrepresenting the age and validity of this debt to the court. 1. Logical Impossibilities & Data Inaccuracies : Signature vs. Loan Date : The collector provided a credit application signed and dated XX/XX/XXXX, yet they are reporting a " Loan Date '' and " Open Date '' of XX/XX/XXXX. It is physically impossible to sign for a loan seven months before it exists. Payment Before Opening : The collectors spreadsheet claims the loan opened on XX/XX/XXXX, but records a " Last Payment Date '' of XX/XX/XXXX. A payment can not occur before an account is opened. Conflicting Balances : XXXX XXXX reporting shows a {$0.00} balance for this account, while the collector is attempting to sue for {$2600.00} using inconsistent spreadsheets. 2. Failure to Validate & Bad Faith Actions : I previously attempted to resolve this directly with the law firm via a 4-page Certified Mail letter, providing proof of the date discrepancies and asking for debt validation. They ignored my evidence and proceeded to obtain a judgment using the same falsified dates. 3. Illegal Re-Aging ( FCRA/FDCPA Violations ) : The original delinquency occurred in XXXX. Under Tennessee law, the 6-year Statute of Limitations expired in XX/XX/XXXX. The collector is reporting a " First Major Delinquency '' of XX/XX/XXXX and a report date of XX/XX/XXXX. This is a willful attempt to " re-age '' the debt using their own purchase date ( XX/XX/XXXX ) to bypass the Statute of Limitations and keep an expired debt on my credit report. 4. Request for Resolution : As of XX/XX/XXXX, I have disputed this with the credit bureaus. Because this judgment was obtained through fraudulent misrepresentation of dates, I demand the immediate deletion of this trade line and a dismissal/vacation of the fraudulent judgment. The collector 's own digital record ( XXXX XXXX XXXX XXXX ) confirms they possess the XXXX records but chose to report falsified XXXX dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: SC

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX through XXXX. The trip was cancelled after discovering medical conditions would not permit my travelling companion to accommodate. XXXX accepted the cancellation compliance within their policy. My account was credit the full amount on XX/XX/year>. However, XX/XX/year>, a debit from XXXX XXXX was posted too my account from XXXX XXXX for {$270.00}, for a no-show. I never dealt with XXXX XXXX and not cognizant of their policies. Therefore, this is a fraudulent debit. It's not equivalent to the initial transaction authorization that was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts are in direct violation of : 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports.

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 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX informing me that my student loans had been forgiven as of XX/XX/XXXX. At that time, I was required to make XXXX payments to qualify for forgiveness. On XX/XX/XXXX, I spoke with a woman named XXXX XXXX MOHELA, who verified that I had made XXXX payments - XXXX overpayments. I requested a refund for those overpayments. She indicated that it would be 3 - 5 weeks to process the overpayment. I have received no refund, nor have I received any other communication from MOHELA regarding my overpayment and request for refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I bought an item, then per the store 's return policy returned the item. When I returned the item the store said my funds had would be returned, but didn't not refund the full purchase price, nor did they say they would not refund the full purchase price. I tried to dispute the charge with Bank of America, and it is extremely difficult to do so online, they do not allow for special cases or for you to provide more information, only upload a picture. I then called their customer service and even though was told that it would be a XXXX minute wait it was XXXX minutes. I spoke to XXXX and he said he had made the comments in my account. A couple days late Bank of America is again asking me to upload more documents, which how do you upload documents saying the store didn't refund the full amount. Then Bank of America said I canceled my dispute which I did not. Bank of America claims to prevent fraud, well this is fraud of a company not returning the full purchase price and they are making it impossible to dispute the charge. Bank of America for their credit cards are extremely difficult to deal with and their web site is set up to get people to miss the correct payment amount and dates. It should not cost me $ XXXX in time to dispute a charge that the difference is under {$5.00}. BofA is making it difficult because they want to keep on earning money on fradulent refunds and charges.

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 2026-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
A collection consumer adjustment cashnetusa in the amount of XXXX was reported to my credit as late and it was added to my collections report. I have been closely monitoring my credit since XX/XX/XXXX due to in the process of getting a house. I have been talking to my lender to see what collections needed to be removed. I removed all the collections in XX/XX/XXXX that I was responsible for. My wallet was stolen a couple of months ago with my social security card inside. My social security number has been exposed. I am not aware of this new collection that was added to my credit report. It is stopping my house process. I ask that this collection be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On Monday XXXX XXXX I was offered a {$7500.00} loan to get me the opportunity to get caught up on a few cut off payments I occurred. On Tuesday XXXX XXXX XXXX, I had an appointment with XXXX to finalize the loan. On Wednesday, XXXX told me not to show up for the appointment on Tuesday because my payment hadnt cleared their bank yet .. I guess on their end it takes several days, which I cant control, .. she was going to offer me another loan of {$1500.00} and set the appointment as Wednesday at XXXX XXXX.Then I received a call from XXXX Secretary telling me not to show up for that appointment either unless I go to my bank and have them give me proof my payment was in writing stating my payment of my loan was in pending, paid, or processed status. I went to my bank and was told they do not offer such a request and my account can show them proof the money was in my account. Then XXXX denied she told me that plus her Secretary hung up the phone on me and my bank when I had them on speaker phone so they can confirm their request.Finally XXXX said they cant offer me no assistance with any further loanstated it was an internal decision .. I have guaranteed direct deposit money to pay m y loan How can one day you offer me assistance, then totally deny service once I was offered help I want the original loan of {$7500.00}, with payments option lower of {$300.00}. I have proof of the {$7500.00} offer through a email. Thank U

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have never entered into any contractual agreement with XXXX XXXX XXXX XXXX, nor have I authorized this account. Because I do not recognize this debt, I am exercising my rights under federal law to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
On XX/XX/year>, a hotel stay at XXXX by XXXX XXXX was reserved under my wifes name. At check-in, the hotel charged my XXXX debit card, which I authorized for the stay. The charge appeared as a pending transaction for {$140.00}. On XX/XX/year>, the hotel reversed the pending charge and returned the funds to my XXXX debit card. This reversal was not requested by me. On XX/XX/year> at approximately XXXX PM, the hotel charged a different payment method, my Cash App card, for {$150.00}. I did not provide this card for the reservation, did not present it during the stay, and did not authorize it to be used. This Cash App card had only been used at this hotel during a prior stay several months earlier. Because the card was never provided for the XXXX reservation, it appears the merchant used stored payment credentials without authorization. I contacted the company to dispute the charge and requested an explanation and proof of authorization, but no explanation was provided. I am requesting a refund of {$150.00} to my Cash App card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Identity Theft this Debt is not mine Im requesting it be permanently deleted

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX CO - XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: OR

Complaint narrative:
My PayPal account was permanently limited in approximately XXXX or XX/XX/year> after a review by PayPal. At that time, PayPal informed me that my remaining balance would be held for up to XX/XX/XXXX days in case of disputes or chargebacks. My remaining balance is {$140.00}. The XXXX holding period has already passed, and it has now been more than XXXX months. However, PayPal has not allowed me to withdraw my funds. I have contacted PayPal customer support several times asking why I can not withdraw my money and when the funds will be released. Each time I was told that I must wait for an email that would allow me to withdraw the balance. That email has never arrived. I am requesting that PayPal release my funds and allow me to withdraw the remaining balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a 150.00 money order then zelled it to another account. The bank did a ajustment on my accout for 150.00 said they put too much money in my account it is a correction and nothing i can do about it. I ask for dispurite. I have not right.

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I recently reviewed my credit report and discovered a collection account being reported by Sunrise Credit Services on behalf of XXXX XXXX in the amount of {$570.00}. According to the credit report, the account was assigned to Sunrise Credit Services on XX/XX/XXXX and is currently being reported as unpaid, with a status date of XX/XX/XXXX. I do not recognize this debt and do not recall entering into any agreement for the account being reported. I have not been provided with documentation proving that this debt is valid or that I am legally responsible for it. Because of this, I believe the account may be inaccurate or the result of an error or possible identity-related issue. I am requesting that the company investigate this matter and provide proper documentation verifying the debt, including proof that I am responsible for the account and documentation showing their authority to collect it. If the company can not provide documentation verifying the debt, I am requesting that the account be removed from my credit reports with all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2026-03-12 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: OH

Complaint narrative:
On XXXX XXXX 2026, Someone made XXXX separate transactions out of my account for {$1000.00} then another one for {$980.00} at a chase atm in XXXX Ohio and it was most definitely unauthorized and I absolutely did not make that transaction. I called the bank they said the transaction was made at XXXX used with XXXX XXXX. Prior to that they did send me a new card in the mail that I was unaware of so it had never even been opened at the time of the transaction and or activated at the time, So I am curious on how could anyone just use an inactivate card at the atm to withdraw that big of amount out of my account so I decided to make a police report. I did contact corporate and spoke with XXXX and nothing was resolved, She said it was denied because whoever took the money out used a pin, but just to clarify that my card was never opened, never used, never activated, so a pin was never even created. I just want this issue resolved I am behind in my rent and other bills behind this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt collector has engaged in practices that appear to violate the Fair Debt Collection Practices Act ( FDCPA ). The account in question was furnished to the credit reporting agencies without my authorization and without any signed agreement or contract between myself and this collector. To my knowledge, I have never entered into any contractual relationship with this company. Furthermore, I have not been provided with proper validation of this alleged debt as required under federal law. Despite reporting this account to the credit bureaus, the collector has failed to supply sufficient documentation proving that I am legally responsible for the debt, including a signed agreement or other verifiable evidence. Reporting an unverified debt and failing to properly validate it may constitute a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). This inaccurate and unverified information is negatively impacting my credit profile. I am requesting that this account be thoroughly investigated and, if the company can not provide proper validation and documentation supporting the accuracy of the debt, that it be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been receiving deposits and they will not honor them so that I am to access my pay and also Im seeking information on why disputes have not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
I am reporting deceptive inducements and medical harassment by XXXX ( Escalation of Case # XXXX ). 1. DECEPTION : On XX/XX/XXXX, Supervisor XXXX induced a payment of {$910.00} by promising a deferment review once cleared. After payment, Supervisor XXXX denied the review, claiming an extension was my ONLY option. 2. HARASSMENT : Since XX/XX/XXXX, Honda has ignored 10+ written 'Email Only ' requests, calling 14+ estimated times during medical emergencies ( including XXXX XXXX on XX/XX/XXXX ). 3. CONTRADICTORY INFO : On XX/XX/XXXX, Escalations ( XXXX ) offered the extension XXXX claimed was impossible, proving XXXX provides false account info. 4. MEDICAL INCAPACITY : I am attaching a Physicians Letter ( XX/XX/XXXX ) certifying I am medically unable to handle phone calls through XX/XX/XXXX. DEMAND : Immediate cessation of phone contact as per my doctor 's orders and application of the originally promised contractual deferment. '' Consumer is responsive via email only. I am requesting that XXXX provide a formal WRITTEN resolution to this complaint via the CFPB portal or email. Do not attempt to close this case via telephone, as I am XXXX XXXX for voice calls per the attached XX/XX/XXXX physician certification. In the documents I have proof of all voicemails, my doctors note, er visits, and proof of payment and all communication attempts by email along with one from Honda proving they could communicate via email but kept calling me despite me asking for communication via email or certified mail and replied to my previous complaint XXXX which was closed due to no response from me, company fraudulently lied as me not communicating when I was communicating and the proof is attached. Proof is also attatched that they were able to contact me via email but ignored my requests.

Company response to consumer: Closed with explanation