vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: WI

Complaint narrative:
On or around XX/XX/XXXX, JPMorgan Chase placed an {$850.00} hold on my personal checking account ( XXXX ) XXXX and my son 's accounts XXXX and XXXX pursuant to an out-of-state administrative levy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a XXXX resident. My account is located in XXXX I spoke with a Chase representative on XX/XX/XXXX, who confirmed there is no Wisconsin court order and no domesticated judgment underlying this hold. Chase intends to remit these funds to XXXX on XX/XX/XXXX. This is a direct violation of the standards established in CFPB Consent Order XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX ), which requires banks to evaluate jurisdiction before complying with out-of-state garnishment notices, and to apply the exemption laws of the consumer 's state of residence not the issuing state. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal bank account balances up to {$5000.00} are fully exempt from garnishment. The {$850.00} hold falls entirely within this protected amount. I have sent Chase a written demand to release the hold and am affirmatively claiming the XXXX exemption. Chase has indicated they intend to remit regardless. I am requesting the CFPB intervene before XX/XX/XXXX to prevent Chase from remitting funds that are legally exempt under XXXX law and held without a valid court order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Inaccurate Credit Reporting, Failure to Validate Debt, and Collection on Paid Account I am filing this complaint against Midland Credit Management ( MCM ) for violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This complaint involves MCMs attempt to collect and report a debt that was previously paid to the original creditor, failure to provide legally required validation, and furnishing inaccurate and misleading information to credit reporting agencies. Payment to Original Creditor On XX/XX/year>, I paid the original creditor in full. I have retained proof of this payment. Chargeback Removal A chargeback in the amount of {$740.00} appeared on my credit report but was removed within approximately 15 days, indicating the account had been resolved. MCM Collection Activity Approximately one month later, Midland Credit Management contacted me claiming ownership of the account and asserting that I owed a remaining balance of {$120.00}. Validation Request Ignored Within 30 days of initial contact, I formally requested validation of the alleged debt. MCM failed to provide any validation documentation as required by law. Conflicting Ownership Timeline MCM later claimed they purchased the debt in XX/XX/year>. However : I paid the original creditor in XX/XX/year> MCM did not appear on my credit report until XX/XX/year> This creates a clear inconsistency regarding ownership and enforceability of the debt. Credit Bureau Disputes I disputed this account with XXXX multiple times via phone and written correspondence. XXXX verified the debt without conducting a reasonable investigation and refused to perform a human review despite being provided with dispute details. 1. FDCPA Violations 15 U.S.C. 1692g Failure to provide validation of the debt upon timely request Continued collection activity without validation 2. FDCPA Violations 15 U.S.C. 1692e False and misleading representation of the character, amount, and legal status of the debt 3. FCRA Violations 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate and unverifiable information to credit reporting agencies Failure to properly investigate disputed information 4. FCRA Violations 15 U.S.C. 1681i Failure of credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Key Dispute Issues : 1.The debt was paid prior to MCMs collection efforts 2.MCM failed to provide any validation of the alleged balance 3.The reported balance is inaccurate and unsupported 4.The timeline of ownership is inconsistent and unreliable 5.Credit bureau verification was procedurally deficient

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TX

Complaint narrative:
" I am writing to clarify that this account is my sole, independent PayPal account and is managed exclusively by me. It appears my account has been restricted due to a perceived 'link ' with another household member ( my XXXX ) whose account is banned. While we share a physical address and IP address, we are separate legal and financial entities. I do not share funds, bank accounts, or login credentials with her. My recent transactions are for my own family ties and emergency payments for life altering situations., e.g., personal sales or services ] and are fully legitimate. I have uploaded my unique government ID and was willing to also provide a utility bill in my name to prove my independent identity. I request a manual review of my case to lift this limitation and release my funds, as I have not violated any Acceptable Use Policy or multiple-account rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/year>, my Citizens Bank business checking account ( account ending XXXX, XXXX XXXX XXXX XXXX, XXXX ) was drained of {$22000.00} through a fraud scheme. A criminal called me impersonating a Citizens Bank fraud representative. He told me my account was at risk and convinced me to provide information so he could " protect '' my account. He then changed my online banking login credentials and locked me out of my own account entirely.While I was locked out, XXXX transactions were processed from my account without my knowledge or consent to accounts or persons I do not know : wire transfer : {$8200.00}, wire transfer : {$8300.00}, wire transfer : {$970.00}, and XXXX payment : {$4800.00} to " XXXX XXXX ''. I did not initiate, authorize, or approve any of these transactions. I was locked out of my account when they occurred. I have never wired money to unknown individuals and do not use XXXX for my business. Citizens Bank 's fraud detection system flagged my account at XXXX XXXX. that day and sent me an email saying my account was temporarily suspended due to irregular activity. Despite funds were allowed to leave my account anyway. I have never received an explanation of how that happened or who allowed the transactions to go through after the fraud hold was placed. I called Citizens Bank 's fraud line at XXXX XXXX that day and reported the transaction as unauthorized. Citizens Bank denied my claims on XX/XX/year>, stating that I " initiated '' the transactions. I dispute that completely. I was locked out of my own account. I sent Citizens Bank a formal written dispute letter on XX/XX/year>, asking for reconsideration and requesting the following documents : ( XXXX ) the recording of my XX/XX/XXXX fraud call ; ( XXXX ) records of what happened after the XXXX XXXX fraud hold ; and ( XXXX ) full transaction records for each transfer. Citizens Bank 's own XX/XX/XXXX denial letter told me these documents were available upon request. I requested them but have not received anything. As of XX/XX/scrub>XXXX XXXX XXXX XXXX days after my written dispute, Citizens has not responded to my letter. I am a small business owner. This is money I earned. I reported the fraud immediately. I cooperated fully. I have filed a report with the FBI Internet Crime Complaint Center. I am asking the CFPB to please help me get a fair response from Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/XXXX my money was took for 300.00 and 200.00 dollars then on XXXX the XXXX XXXX dollars for a out of network atm withdrawal They XXXX dollars that I ever told them to take I really need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
WHOM IT MAY CONCERN : I AM SENDING THIS LETTER TOYOU IN RESPONSE TO A NOTICE I RECEIVED FROM YOU.BE ADVISED, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE XXXX XXXX XXXX XXXX ( b ) THAT YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE-NAMED TITLE AND SECTION.I RESPECTFULLY REQUEST THAT YOUR OFFICE PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU.PLEASE PROVIDE ME WITH THE FOLLOWING : WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE ME WITH COPIES OF ANY PAPERSTHAT SHOW I AGREED TO PAYWHAT YOU SAY I OWED ; PROVIDE A VERFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE ; IDENTIFY THE ORIGINAL CREDITOR ; PROVE THE STATUTE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT ; SHOW ME THAT YOU ARE LICENCED TO COLLECT IN MY STATE ; AND PROVIDE ME WITH YOUR LICENCE NUMBERS AND REGISTERED AGENT.IF YOUR OFFICES HAVE REPORTED INVALID INFORMATION TO ANY OF THE XXXX MAJOR CREDIT BUREAUS (XX/XX/XXXX OR XXXX ), SAID ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS.DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT DEFAMATION OF CHARACTER ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I am disputing a {$1800.00} XXXX debit card transaction dated XX/XX/XXXX, processed through Fiserv on behalf of XXXX. I initiated the dispute in early XX/XX/XXXX within the expected timeframe but experienced significant delays, inconsistent communication, and conflicting guidance throughout Fiservs handling of the dispute. Timeline of events : XXXX XX/XX/XXXX : I initiated the dispute with Fiserv and was instructed to wait at least 30 days for acknowledgement. XX/XX/XXXX : An acknowledgement letter was allegedly issued by Fiserv ; I did not receive it. XX/XX/XXXX : I followed up with Fiserv due to non-receipt. A representative confirmed the issue, updated my address, and reissued the acknowledgement letter with submission instructions. XX/XX/XXXX : I received the acknowledgement letter dated XX/XX/XXXX and submitted all required documentation the same day via Fiserv. On the same date, I received a provisional credit for {$1800.00}, which was later reversed, creating inconsistency in the handling and timing of the dispute relative to the alleged XXXX requirement. XXXX XXXX : I made repeated follow-ups with Fiserv and was consistently redirected between Fiserv and XXXX, with no clear ownership or resolution. XX/XX/XXXX : Fiserv confirmed the case had not yet been reviewed due to internal backlog, with no indication of denial or timeliness issues. XX/XX/XXXX : I was informed of a denial based on timeliness, but did not receive written notice and continued to be directed between Fiserv and XXXX without resolution. The dispute was denied based on a XXXX documentation requirement ; however, I was never informedverbally or in writingof this requirement during XXXX dispute process. Both parties continued requesting documentation after the alleged deadline period, which is inconsistent with strict application of that rule. The delay in submitting documentation was caused by administrative processing failures within Fiserv, including non-receipt of the acknowledgement letter and delayed instructions, despite repeated follow-ups. I also experienced repeated lack of ownership between Fiserv and XXXX, resulting in conflicting guidance and lack of resolution. Please reopen the dispute, review the timeliness determination as an exception due to administrative delays outside my control, and reimburse the {$1800.00} transaction. PLEASE NOTE : Attached document was torn upon opening mail and reassembled for scanning.

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 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I asked that this be removed from my credit report. I have no knowledge of these accounts being opened. And I have requested proper documentation on this matter and the opposing party has failed to provide what Ive asked of them. I also have filed with the ftc for identity theft and that documentation will be provided in this complaint on both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing this complaint against Barclays Bank regarding their failure to honor an advertised benefit on my XXXX XXXX XXXX XXXX. My card offers a {$25.00} annual in-flight Wi-Fi credit as a stated cardholder benefit. On XX/XX/year>, I purchased in-flight Wi-Fi during XXXX XXXX Flight XXXX XXXX The charge of {$30.00} appeared on my statement under the merchant name XXXX XXXX XXXX, which is the documented third-party payment processor used by XXXX XXXX for all in-flight Wi-Fi transactions. Barclays denied my Wi-Fi credit, stating the charge did not reflect a Wi-Fi purchase. A customer service representative named XXXX XXXX informed me that nothing could be done because the word Wi-Fi did not appear on the statement. This reasoning is misleading and unfair for the following reasons : 1. XXXX XXXX XXXX is the verified payment processor for XXXX XXXX in-flight connectivity. The merchant name on a statement does not change the nature of the purchase. 2. The card benefit does not specify a required merchant name it states coverage for in-flight Wi-Fi on XXXX XXXX flights. 3. Barclays is effectively making it impossible to redeem a legitimate advertised benefit by applying a technicality that is not disclosed in the benefit terms.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'Dear Consumer Financial Protection Bureau,\n\nI am writing to file an urgent complaint against Bank of America regarding the abrupt closure of my bank account on XX/XX/2026, without any prior notice. As a result of this closure, the bank has refused to release my funds totaling approximately XXXX, which represents my sole source of money for living expenses.\n\nWhat happened:\n\nOn XX/XX/2026, I discovered that Bank of America had closed my account without sending me any advance warning, letter, email, or phone call. When I called Bank of Americas customer service to ask why my account was closed and to request access to my funds, I was given no clear explanation. I was told I could not withdraw or transfer the money.\n\nI immediately went to a local Bank of America branch and asked to release my XXXX. The branch staff refused to give me the funds or provide a timeline for when I might receive them.\n\nWhy this is causing severe harm:\n\nI explained to the bank representative that this XXXX is my only source of money my entire savings and available cash. I use it to pay for:\n\nRent\n\nUtility bills (electric, water, internet)\n\nGroceries and other essential expenses\n\nI also explained that I have XXXX young children who depend on me. Without access to this money, I am left with XXXX cash and no way to pay for housing or basic needs starting immediately.\n\nThe banks refusal to release my funds has placed my family in immediate financial danger.\n\nWhat I am requesting:\n\nThat the Consumer Financial Protection Bureau investigate Bank of Americas practice of closing accounts without notice and withholding funds without a lawful reason.\n\nThat the CFPB require Bank of America to immediately release my full XXXX to me either in cash, by cashiers check, or by wire transfer to another bank account I designate.\n\nThat the CFPB order Bank of America to provide a written explanation for why my account was closed and why my funds were frozen.\n\nMy information:\n\nBank name: Bank of America\n\nAccount # XXXX XXXX XXXX\n\nDate account closed without notice: XX/XX/2026\n\nAmount withheld: ~XXXX\n\nImpact: No funds for rent, utilities, food, or childcare expenses\n\nThank you for your immediate attention to this matter. Please contact me if you need any further documentation.'

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: IDT Telecom, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I sent {$200.00} USD through BOSS Revolution Money Transfer from XXXX, Georgia to XXXX, XXXX, XXXX. Transaction number : XXXX Confirmation / PIN : XXXX Receiver : XXXX XXXX XXXX I received a notification that the money was collected. However, the intended recipient has confirmed that he did NOT receive the funds. I requested an investigation. The company stated that the payment was completed based on information provided by the payout location ( XXXX XXXX in XXXX ), but they have not properly verified the identity of the person who collected the money. I was provided with a receipt that contains a signature which does NOT match the beneficiarys actual signature on his official identification. Despite multiple attempts to contact the company and more than 15 days of waiting, the company has closed the case without providing valid proof of identity verification or a clear explanation of how the funds were incorrectly released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
On XX/XX/year> after my lease with XXXX XXXX had ended and I had vacated the house located at XXXX XXXX XXXX XXXX, I received a move out statement full of random amounts that when added together the total was around XXXX dollars which coincidentally is the maximum amount allowed by the state ( 2 times the monthly rent ). They proceeded to confiscate my security deposit of aprox XXXX dollars and the remaining balance was sent to a collection company called FCO who did not verify if the amounts were accurate and could not provide me with any proof like receipts. FCO then proceeded to destroy my credit with the fake amount of XXXX dollars. The FTC recently found XXXX XXXX to be performing this kind of scam adding junk fees and deceitful fees to move out statements. Both XXXX XXXX and FCO have refused to help me solve this issue. I want FCO to immediatelly remove the fake collection out of 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 explanation
Consumer complaint received 2026-04-22 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: AZ

Complaint narrative:
On XX/XX/year>, I was deceived into sending a total of {$65.00} through domestic money transfers ( XXXX ) to two different individuals for a product that I was told would be provided to me. After sending the payments, neither individual delivered the product and both stopped responding, which made it clear that this was a scam. I did not intend to authorize a legitimate transaction under normal circumstances and only sent the money because I was misled. I reported the incident to Bank of America and filed a claim. On XX/XX/year>, the claim was denied on the basis that the transfers were authorized. However, this authorization was obtained through fraud and deception. I am requesting that Bank of America reconsider my claim, conduct a more thorough investigation, and attempt to recover the funds from the receiving accounts. I also request clarification on what protections are in place for consumers who are victims of scams involving authorized transfers.

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