vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding a missing ATM deposit transaction involving my bank account. On XX/XX/year>, I attempted to deposit {$1300.00} at an ATM linked to my bank, JPMorgan Chase ( Chase Bank ), located at : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The ATM accepted my cash, but the funds were not credited to my account. I immediately reported the issue to Chase Bank and requested an investigation. The bank conducted investigations twice ; however, they informed me that they could not locate the missing funds and refused to refund my money. I believe this is incorrect because I physically deposited the cash into the ATM, and the transaction did not process properly. I am respectfully requesting CFPB assistance to review this case and help ensure my funds are properly investigated and credited to my account. Sincerely, XXXX XXXX Phone : [ myphone number XXXX Email : [ my email address XXXX Bank account last XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX. SYSTEM, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX XXXX I began filing for damages done during my Best Buy delivery. I have sent pictures I have been on line at least 10 times. Nothing is being done. I have been told numerous times they are going to escalate my claim and someone will call me. This has never happened.I have gone into the store I am told to go online to file a claim. The circle continues. 2. I returned all 4 items to Best Buy three of the items were canceled before delivery and only a portion of the appliances were refunded fully. Best Buy has charged by CitiBank Best Buy card for items I do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NY

Complaint narrative:
I booked a non-smoking room with 2 double beds at XXXX by XXXX XXXX ( XXXX ) for {$79.00} total on XX/XX/year>. The booking confirmation described it as a clean room with free WiFi, continental breakfast, mini-fridge, and microwave. The room was unsanitary, unhealthy, and not as advertised : - Strong mildew and mold smell throughout the room - Visible mold/mildew - Bathroom under construction and completely unusable - Tissues scattered all over the room - General dirt and stains on carpet, furniture, and bedding These conditions made the room feel uninhabitable. I complained to the front desk employee, who acknowledged the poor conditions and verbally agreed to issue a partial refund as goodwill. However, the credit was never properly applied to my card. I disputed both charges with XXXX : {$79.00} ( Dispute # XXXX ) and {$39.00} ( Dispute # XXXX ) I have requested that XXXX link and investigate both charges together. I have also provided supporting documents including : - Booking confirmation showing what was promised ( clean non-smoking room ) - Photos of the mold/mildew, unusable bathroom under construction, tissues everywhere, stains, and dirt This specific XXXX XXXX location has many recent complaints about mold, mildew smells, dirty rooms, and poor maintenance. Fair resolution I am seeking : Full reversal of both charges ( {$79.00} + {$39.00} ) plus any interest or fees. XXXX should properly investigate this as services not as described ( the room was not clean or usable as advertised ). Steps already taken : - Contacted the hotel multiple times they admitted issues and promised a partial refund but failed to apply it. - Disputed both charges with XXXX. - Uploaded evidence to the active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this follow-up complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ), regarding inaccurate and misleading duplicate reporting of XXXX XXXX XXXX account ending in XXXX, which is being reported both as a late open account and a late closed account, each showing a {$20000.00} balance, an open date of XXXX, and 180 days past due, creating a false and damaging representation of my credit history ; this duplicate and conflicting reporting is inaccurate, unverifiable, and fails to meet FCRA requirements for maximum possible accuracy and reasonable investigation, and I therefore request immediate correction or deletion of the duplicate or inaccurate tradeline and full verification of any remaining reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint regarding inaccurate and potentially unverifiable information being reported on my credit file by Experian, XXXX, and TransUnion. After reviewing my credit reports, I have identified multiple items that are not associated with me or are not being reported accurately, raising serious concerns under the Fair Credit Reporting Act ( FCRA ). My credit reports include addresses that are not associated with me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of these inaccurate addresses raises concerns about the integrity of my personal identifying information and the possibility of mixed or incorrect credit data. Additionally, my credit reports reflect charge-off accounts reported under XXXX XXXX ( account beginning with XXXX, balance {$7200.00} ) and XXXX XXXX XXXX account beginning with XXXX, balance {$12000.00} ), which I believe are inaccurate, incomplete, or not properly verified. The reporting of these accounts does not appear to be supported by sufficient documentation confirming their accuracy, ownership, or reporting history. Furthermore, my credit reports include collection accounts from Professional Debt ( original creditor XXXX XXXX Apartments, balance {$1900.00} ) and Central Portfolio Control ( original creditor XXXX XXXX XXXXXXXX XXXX, balance {$440.00} ), which I do not recognize as valid or properly verified obligations. I have not been provided with documentation confirming the validity or ownership of these alleged debts. In addition, my credit file contains several inquiries that I do not recognize or recall authorizing. These include inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I have not been provided with documentation demonstrating that these inquiries were initiated with my authorization or supported by a permissible purpose. The continued reporting of inaccurate addresses, unverifiable charge-off accounts, questionable collection accounts, and potentially unauthorized inquiries raises serious concerns regarding compliance with the Fair Credit Reporting Act, including Sections 607 ( b ) and 611, which require consumer reporting agencies to maintain accurate information and conduct a reasonable reinvestigation of disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am contacting you regarding the account listed under my name, XXXX XXXX. This account has already been paid in full. Prior to payment, I was offered and accepted a pay-for-deletion agreement by your office, in which I was explicitly told that the account would be removed from my credit report upon payment. Despite fulfilling my obligation under that agreement, the account remains on my credit report, which is unacceptable. Your failure to honor this agreement constitutes inaccurate and misleading reporting, and may be a violation of the Fair Credit Reporting Act, which requires that all reported information be complete and accurate. Additionally, I have documentation from the original creditor indicating that no balance was owed, which further calls into question the validity of this account and your continued reporting of it. I am demanding the following : Immediate deletion of this account from all credit reporting agencies Written confirmation that the deletion request has been submitted An explanation as to why the agreed-upon deletion was not honored If this matter is not resolved promptly, I will escalate by filing formal complaints and pursuing further action regarding inaccurate reporting and failure to uphold agreed terms. Please respond in writing confirming deletion. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Block, Inc.
State: WA

Complaint narrative:
Well this happened XXXX, XXXX and 2 unauthorized withdraws happened one was {$2000.00} Another one of {$510.00} happen from my cash app balance to card XXXX XXXXXXXX that don't even exist to me and I still avent gotten any explanation of y my money is all gone I would like money put back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TN

Complaint narrative:
I am writing to formally address a concern regarding student loans associated with my enrollment at XXXX XXXX in 2022. I attended the institution for less than two months and did not begin attending classes until approximately two weeks after arriving on campus due to delays in finalizing my XXXX information. At the time, I was under the understanding that I had received a full financial aid package. I do not recall authorizing or taking out any student loans in my name. Therefore, I am seeking clarification on how these loans were originated and why they were applied to my account despite my understanding of having full coverage. Additionally, I withdrew from the college the same day I made the decision to leave, due to urgent family circumstancesspecifically, to care for my mother, who was diagnosed with XXXX XXXX XXXX. Given the brief duration of my attendance and the circumstances surrounding my withdrawal, I am concerned about the fairness and accuracy of being held responsible for the full loan amount. These loans are currently having a significant negative impact on my credit, and I am requesting a thorough review of my account. I would appreciate detailed documentation explaining the origin of these loans, as well as guidance on any options available to resolve or dispute this matter. Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this formal complaint against American Express for willful violations of 15 U.S.C. 1681s-2 ( b ). As shown in the attached records, Amex continues to report this account as a " Charge-Off '' while simultaneously reporting an active " Amount Past Due. '' This is a logical and accounting impossibility. Under 15 U.S.C. 1681e ( b ), all reported data must meet the standard of Maximum Possible Accuracy. A debt declared as a total loss ( Charge-Off ) can not legally carry an active, accruing monthly delinquency. By repeatedly " verifying '' this contradictory data via automated e-OSCAR codes instead of a manual ledger audit, Amex has failed its statutory duty to investigate. Per Ballard v. Equifax ( 0:25-CV-62108 ), industry automation is not a valid defense for reporting inconsistent data. This reporting constitutes Libel under O.C.G.A. 51-5-1 and has caused over {$27000.00} in actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I previously held a Chase business checking account, which I have since closed. After closing the account, I contacted Chase customer service by phone on Friday night, at around XXXX XXXX I estimate, on XX/XX/year> to request my bank statements in digital/PDF format the same format I had access to while the account was open via the Chase XXXX app and online portal. The customer service representative told me that statements for closed accounts can only be mailed physically. I then visited a Chase branch in person at around XXXX XXXX I estimate on XX/XX/year>, where I was again told that statements could only be mailed or printed on the spot at the branch with no option for digital or electronic delivery. Both channels refused to provide my own financial records in digital format. While I was an active customer, I had full digital access to these exact same statements through the Chase app. Removing that digital access upon account closure, while refusing any electronic delivery alternative, is unreasonable and makes it unnecessarily burdensome to access my own financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CO

Complaint narrative:
I am filing this complaint regarding inaccurate and potentially unverifiable information being reported on my credit file by Experian, XXXX, and TransUnion. After reviewing my credit reports, I have identified multiple items that are not associated with me or are not being reported accurately, raising serious concerns under the Fair Credit Reporting Act ( FCRA ). My credit reports include addresses that are not associated with me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of these inaccurate addresses raises concerns about the integrity of my personal identifying information and the possibility of mixed or incorrect credit data. Additionally, my credit reports reflect charge-off accounts reported under XXXX XXXX ( account beginning with XXXX, balance {$7200.00} ) and XXXX XXXX XXXX account beginning with XXXX, balance {$12000.00} ), which I believe are inaccurate, incomplete, or not properly verified. The reporting of these accounts does not appear to be supported by sufficient documentation confirming their accuracy, ownership, or reporting history. Furthermore, my credit reports include collection accounts from Professional Debt ( original creditor XXXX XXXX Apartments, balance {$1900.00} ) and Central Portfolio Control ( original creditor XXXX XXXX XXXXXXXX XXXX, balance {$440.00} ), which I do not recognize as valid or properly verified obligations. I have not been provided with documentation confirming the validity or ownership of these alleged debts. In addition, my credit file contains several inquiries that I do not recognize or recall authorizing. These include inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I have not been provided with documentation demonstrating that these inquiries were initiated with my authorization or supported by a permissible purpose. The continued reporting of inaccurate addresses, unverifiable charge-off accounts, questionable collection accounts, and potentially unauthorized inquiries raises serious concerns regarding compliance with the Fair Credit Reporting Act, including Sections 607 ( b ) and 611, which require consumer reporting agencies to maintain accurate information and conduct a reasonable reinvestigation of disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NC

Complaint narrative:
On XX/XX/year>, after selling {$99000.00} in pyusd ( PayPals own stablecoin ), my PayPal account was limited. I was asked to provide an ID and to confirm my card, to which I did both. Upon doing so, my account was permanently limited within seconds, and now my funds are stuck for at least 120 days. This is a lot of money, and I need it for my everyday expenses. Please allow me to withdraw the funds to my linked bank account on file. Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
cfpb complaint XXXX and XXXX According to these complaints filed against Bank of America there is further information I've discovered concerning the whereabouts of Bank Transfers. Only recently have I discovered new information. I signed into an Account ( a XXXX XXXX XXXX XXXX ) called XXXX Only after noticing I'd received a number of E-Mails received To : XXXX listed FOUND on XX/XX/XXXXXXXX did I discover : XXXX your XXXX Tax packet as of XX/XX/XXXX - Found XXXX, the tax packet you requested on XX/XX/XXXXXXXX is ready. below are the documents that you'll need to file you're taxes. Simply put : I HAVE NEVER SETUP AN ACCOUNT MYSELF WITH XXXX So, out of curiosity I look into my XXXX saved Passwords and Accounts. I find a name and Password set up. I sign into the account which it has been closed. However, there were still documents and information pertaining to this account that I'd never setup. The Transfer documents coming from Bank of America I found to be disturbing to me. I've mailed copies of these Documents to the FDIC for further investigation and resolution. Technically, these were money transfer I had no involvement in. So how could I put them on my Taxes? I however did file for an extension with XXXX XXXX XXXX XXXXXXXX so these matters can be resolved with the IRS. I did have an appointment with an IRS agent locally, but he was of no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: MI

Complaint narrative:
b'Recently a few days ago spoke to chase XXXX and XXXX in chase credit card and debit cards department and both confessed about XXXX XXXX XXXX checking account already mentioned by law enforcement in XXXXXXXX but just telling all is an Takeover Accounts and therefore as inform by the CFPB XXXX under Regulation E, I give Chase full Authorization to move foward. You should with XXXX XXXX chase, Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX titleXXXX XXXX XXXX XXXX XXXX customer Service and the entire XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX The very first Mortgage was on XXXX with chase XXXX as XXXX you always fail to mention or go back that far for XXXX XXXX and FTCXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: VA

Complaint narrative:
XXXX XXXX is claim I owe money to appartments. I have for 3 year requested an Itemized statement for what they claim I owe. They litteral ignore me and refuse, when I call they just hurl out threats and gaslight you lie all of if but I have never been provided anything stated this was me debt proving its me I owe it no signature produce NO LEASE provided nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
Had a Cash App was closed unknowingly to me i had called and made complaints. My card was hacked by someone want a new card and couldnt get one I never had a problem before till now and I just a new card with my old one being hacked.

Company response to consumer: Closed with explanation