vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: U.S. BANCORP
State: NV

Complaint narrative:
I have been the victim of malware, hacking and fraud. A credit card that is not mine appeared on my credit reports listing me as an authorized user. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, my Coinbase account was compromised so I requested to have my account locked. I was unable to access it for many years. I was able to log back in recently, and I am trying pay off a balance from this time. However, I am unable to proceed with payment even after submitting multiple forms ( XXXX, bank account, debit cards ). I have tried talking to multiple agents and have not have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Global Lending Services is reporting inaccurate information on my credit file regarding an account that was included in my XXXX XXXX bankruptcy, which was discharged in XXXX XXXX FCRA Section 623, furnishers are required to report bankruptcy-discharged accounts with a {$0.00} balance, an " included in bankruptcy '' status, and no continued negative monthly activity after the discharge date. The account continues to reflect inaccurate status information that does not properly reflect the discharge. Please update the account to reflect a {$0.00} balance and the proper " included in bankruptcy '' status across all three credit bureaus, or delete the tradeline entirely if the company can not verify the accuracy of the current reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: IL

Complaint narrative:
On XX/XX/year>, I received XXXX XXXX from my employer in XXXX through PayPal as legitimate employment/payment funds. Shortly after receiving the payment, PayPal requested additional information regarding the source and purpose of the funds. I promptly provided proof and explanation showing that the funds were legitimate employment-related payments. Despite complying with PayPals request and submitting the requested documentation, after approximately two days I received an email stating that my PayPal account had been permanently deactivated/limited. PayPal did not provide a clear explanation for the decision or explain why the documentation I submitted was insufficient. As a result, I lost access to my account and funds despite cooperating fully with the verification process. I am requesting that PayPal review my case, provide a clear explanation for the account deactivation, and restore access to my account and/or release any held funds if no violation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited a certified check ( # XXXX ) in the amount of {$29000.00} into my Chase Business Checking account. The check was issued by XXXX XXXX XXXX XXXX ( XXXX ), drawn on XXXX XXXX, and represented a legitimate insurance claim settlement for a rental vehicle involved in a three-car accident. The funds cleared and became available. Shortly after, Chase notified me that my account would be closed because they could not verify the issuer via internet search. XXXX is a protected series cell within XXXX XXXX XXXX, a legitimate captive insurance company that does not maintain a public internet presence by design this is standard for this type of entity. To assist Chase with verification, I provided the following : ( 1 ) direct contact information for the XXXX account manager at XXXX XXXX, the managing company of record, who offered to speak with Chase directly ; ( 2 ) notarized corporate documents submitted via the XXXX Department of Treasury ; ( XXXX ) a direct phone number from the issuer ; and ( XXXX ) written email confirmation dated XX/XX/XXXX from the issuer confirming the check had cleared their TD Bank account and funds had transferred to Chase. Chase refused to accept any of this documentation, stating only companies in their internal directory would be considered. Chase then closed my account within 5 business days while retaining the {$29000.00}, stating funds would be held up to 24 months for " verification. '' That 24-month period has now fully elapsed as of XX/XX/XXXX. Chase has never released the funds, never provided written notice of their disposition, and has never acknowledged the verification materials provided. Chase Complaint ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I entered into a contract in XX/XX/2025 with XXXX XXXX XXXX for a special that they had which included 20 books 10 hardcover 10 soft cover the total price for this per of the contract was {$800.00}. I then receive charges on my card for {$1000.00}, which I reported and disputed when Chase sent me back the response from the company and they reverse the charges. I very carefully read through the documents that the company sent to Chase and discovered a severe alteration of the contract where they altered it and they fraudulently said that I agreed to three additional charges and that being one of them I have sent Chase the contract that I have several times that showed it was a total package price of {$800.00}. Chase has reverse this charge and is not supporting me their customer, but accepting altered documentation from a company that the XXXX XXXX XXXX can not even find that all addresses that they use are false that every phone number that they have or has had is a XXXX XXXX number that is no longer operable. This company is a scam and they are scamming me and Chase is allowing it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Tonight the Chase points transferred to XXXX will be going through a devaluation. I wanted to make the most of the points that I have earned by transferring points before the change, but XXXX hours before the scheduled XX/XX/year> devaluation ( XXXX XXXX, as I am currently on the XXXX XXXX XXXX, Chase coincidentally turned off their transfer points to partners system. I tried to call their customer service, but they can only provide vague answers and have told us that the system maintenance " should be completed in the next XXXX hours, '' which would cause users west of the XXXX XXXX to miss the cutoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am disputing this Credit Acceptance auto account due to inaccurate and unverified reporting. This account involves a repossession, yet I have not received any legally required documentation regarding the disposition of the vehicle. To date, I have not been provided the date of sale, sale price, or a complete, itemized breakdown explaining how the alleged deficiency balance was calculated. Without this information, the balance being reported is not verifiable and is formally disputed. Additionally, this account is being reported as a repossession every month from XXXX through XXXX. A repossession is a single event, not a recurring monthly status. This pattern of reporting appears inaccurate and may constitute improper re-aging or misleading reporting under the Fair Credit Reporting Act. I am requesting the Date of First Delinquency ( DOFD ), full payment history, and all documentation supporting the repossession, sale, and balance calculation. You are required under federal law to conduct a reasonable investigation. A generic verification is insufficient. Failure to provide proper documentation or correct this reporting may constitute noncompliance with the FCRA. If this account can not be fully validated, it must be deleted immediately from my credit report. I request all communication be in writing.

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 2026-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: NC

Complaint narrative:
I did not apply for, authorize, or benefit from any accounts, services, or transactions associated with these institutions. I became aware of this issue after noticing unfamiliar activity and/or accounts that I do not recognize. This activity appears to have been conducted by an unknown individual using my personal information without my consent. I have not shared my personal information with anyone who would have permission to open or use these accounts. I am requesting that these fraudulent accounts and any related transactions be investigated, removed, and blocked, and that my identity be protected moving forward. Under 15 USC 1692c, you violated my rights by unlawful communications. This collection is invalid. Remove it from my credit report immediately or I will pursue all legal remedies available.

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 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
RE : FRAUDULENT ACCOUNTS/ IDENTITY THEFT / UNVERIFIABLE DEBT REPORTING To Whom It May Concern : I am formally disputing the account listed on my consumer report as fraudulent, inaccurate, and unverifiable. I have never entered into a contractual agreement with these companies, nor have I signed any original contract bearing my wet-ink signature obligating me to these alleged debts. Furthermore, I have reason to believe these accounts are connected to identity theft and/or unlawful reporting practices. I previously submitted identity theft documentation and disputes regarding these accounts, yet they continue to appear on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts are disputed in their entirety : CREDIT CONTROL , LLC Any associated collection accounts, late payments, charge-offs, or related reporting connected to these alleged debt I specifically dispute the accuracy, ownership, and legal enforceability of these accounts. Additionally, the alleged original creditor reportedly sold or transferred the debt to third-party collection agencies. However, no lawful validation or contractual proof has ever been provided to me demonstrating : That I entered into any agreement with these companies That the debt was lawfully assigned That the collector possesses legal authority to collect or report the debt That proper verification procedures were followed Under the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681b 15 U.S.C. 1681c-2 you are required to conduct a reasonable investigation and remove any information that can not be properly verified. Therefore, I demand the following : 1. Immediate deletion of all fraudulent, inaccurate, unauthorized, and unverifiable accounts from my consumer reports 2. Removal of all associated late payments, charge-offs, collections, and negative reporting 3. Removal of all unauthorized inquiries lacking permissible purpose 4. Copies of all original signed contracts bearing my wet-ink signature 5. Complete chain of assignment and ownership of the alleged debt 6. Full accounting records and payment histories 7. The method of verification used during your investigation 8. The name, title, address, and phone number of every person or entity contacted during reinvestigation If these items can not be fully verified with competent legal documentation, they must be permanently deleted from my consumer file immediately. Continued reporting of fraudulent or unverified information after notice may constitute willful noncompliance under the FCRA and may subject the reporting parties to liability for damages. Sincerely, XXXX XXXX XXXX

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to dispute the validity of the following account listed on my credit report : Jefferson Capital Systems / XXXX, balance {$970.00}. I have no knowledge of this account and do not believe it belongs to me. Please provide full validation of this debt, including the original contract, proof of ownership, and documentation showing how you obtained the account. If you can not validate this debt, I request that it be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am disputing a collection account being reported by Harris & Harris on behalf of XXXX. I do not recognize this account and I have never had service with XXXX at the address or time associated with this debt. I never entered into any agreement with XXXX, and I did not authorize any account that would result in this balance. I also did not receive any billing statements, notices, or communication regarding this alleged account before it was placed into collections. Because I do not believe this account belongs to me, I am requesting a full investigation into the validity and ownership of this debt. I am requesting that Harris & Harris and XXXX provide complete documentation verifying the account, including proof of service application, service address, signed agreement, billing history, and proof that I am responsible for this debt. If they can not fully verify that I opened or authorized this account, I request that this collection/charge-off be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Aidvantages failure to implement a completed federal Borrower Defense discharge under the XXXXXXXX XXXX. XXXX settlement. My StudentAid.gov account reflects that the Department of Education completed my loan discharge on XX/XX/XXXX. Despite this, Aidvantage continues to report the discharged loans as active with outstanding balances on its servicing platform. This matter has now been pending for more than 70 days following completion of the discharge by the Department of Education. I am not requesting review or approval of my Borrower Defense claim. The discharge has already been completed by the Department of Education and reflected in XXXXStudentAid.gov. My complaint concerns Aidvantages failure to timely implement the discharge instructions and properly update my account records. I am requesting that Aidvantage : 1. Immediately implement the Department of Education discharge instructions ; 2. Update all discharged loan balances to {$0.00} ; 3. Cease reporting the loans as active/outstanding ; 4. Confirm whether refund processing has been initiated for eligible prior payments ; and 5. Correct any inaccurate credit reporting associated with these discharged loans. Relevant information : - Servicer : Aidvantage - Borrower Defense / XXXX XXXX XXXX class member - Department of Education discharge completion date : XX/XX/XXXX - Loans still showing active on Aidvantage platform as of XX/XX/XXXX I have retained screenshots reflecting the completed discharge status on StudentAid.gov and the conflicting active loan status shown by Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In XX/XX/XXXX, I obtained a VA-backed mortgage through XXXX XXXX XXXX XXXX for {$140000.00} on a property I purchased seven months earlier for {$120000.00}. The property had sustained flood damage during Hurricane Katrina. An appraisal was obtained valuing the property at {$180000.00} a {$62000.00} inflation above the documented purchase price. The XXXX XXXX XXXX XXXX XXXX XXXX records show this mortgage ( Instrument No. XXXX ) was CANCELLED BY NOTE on XX/XX/XXXX. XXXX XXXX XXXX confirms the loan was marked INACTIVE effective XX/XX/XXXX. Despite this cancellation, Wells Fargo collected a {$140000.00} payoff on the already-cancelled debt in XX/XX/XXXX, then originated a brand new VA loan for {$140000.00} at 3.75 % resetting my 30-year mortgage clock. This constitutes collection on a void debt and unjust enrichment. Wells Fargo subsequently assigned this void mortgage to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Instrument No. XXXX ). XXXX XXXX continues collecting on this fraudulent assignment. I have dated screenshots showing XXXX data existed on XX/XX/XXXX. After I filed this CFPB complaint and Wells Fargo responded on XX/XX/XXXX, the XXXX record was purged by XX/XX/XXXX, now reading " all other data has been purged. '' I am requesting full investigation and criminal referral to DOJ.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased an ac from XXXX XXXX With a same day delivery guarantee from XXXX XXXX to XXXX, That windows past and before even that window past I contacted an XXXX XXXX agent and let them know whats happening, they assured me if it doesnt get delivered by XXXX XXXX eligible for either a refund or replacement. By XXXX I received a notification saying the order was delivered I did not receive anything the delivery photo did not show anything for me to locate the photo, so I contacted XXXX XXXX and they refused to provide any help, So now Im filling a claim with Cash App they known to denied refund and side with the merchant quickly and to prevent that I decided to filed a claim here for a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and potentially unverifiable charge-off and collection reporting appearing on my credit reports maintained by XXXX , XXXX, and XXXX in violation of the Fair Credit Reporting Act ( 15 U.S.C. 607 ( b ) and 611 ) requiring maximum possible accuracy and a reasonable reinvestigation of disputed information. The following accounts are being reported as charge-offs with balances and delinquency histories that I dispute due to concerns regarding accuracy, completeness, and proper validation of payment history and account status : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$1300.00}, last payment XX/XX/XXXX, XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$4700.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$9000.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$3000.00}, last payment XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$1800.00}, last payment XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$3500.00}, last payment XX/XX/XXXX ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$420.00}, last payment XX/XX/XXXX ). Additionally, the collection account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$2300.00} ) is disputed due to concerns regarding ownership verification, completeness of account history, and accuracy of the reported balance. The continued reporting of these items suggests potential inconsistencies or insufficient verification by furnishers and credit reporting agencies.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I requested a balance transfer for the amount of approximately {$7100.00}. The amount was charged on a Chase Slate card. The funds should have flowed from the Slate card to a XXXX XXXX checking account. The funds should have arrived by end of day XX/XX/year>. I have called the XXXX number on the back of the card several times to inquire about the status of the balance transfer. I have spoken with several supervisors. I have visited the Chase bank in XXXX, CA on two occasions. I have attempted to contact the Executive Team on several occasions. Chase has given conflicting information about the status of the balance transfer and the transfer deadline. I was informed by a XXXX supervisor that Chase cancelled the check on XX/XX/XXXX without my consent or knowing. This contradicts the claim made by the Executive Team supervisor, XXXX on XX/XX/XXXX. T he Executive Team will not answer calls and does not call back. My credit score h as decreased by approximately XXXX points because of this incident. I have paid financial penalties due to lack of funds.

Company response to consumer: Closed with explanation