vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX LJ ROSS & ASSOCIATES Creditor : XXXX Dear LJ ROSS & ASSOCIATES, I am writing in response to your letter regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe. In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor. 2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt. 3. Itemized Breakdown : A complete and itemized statement of the alleged debt, including the original amount, any fees or interest applied, and the current balance. 4. Original Creditor Information : Complete contact information for the original creditor, along with a copy of any billing statements or other communications sent by them. 5. Proof of Compliance with State Laws : Any documentation verifying that you are licensed to collect debts in my state of residence and that the statute of limitations for collecting this debt has not expired. 6. Reporting to Credit Bureaus : Documentation showing that the debt has been reported accurately to any credit reporting agencies, including the dates of reporting and any disputes noted. By law, you are required to cease all collection activities and communication with me until you provide all of the requested information. I await your response. Please note, any failure to provide sufficient validation within the legally required time frame will result in your claim being considered invalid, and I will demand that you remove all references to this alleged debt from my credit report with all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am filing this complaint against Citizens Bank regarding the improper denial of a fraud claim involving unauthorized debit card transactions. On XX/XX/XXXX, I reported multiple fraudulent transactions on my business debit card. I clearly stated that I did not authorize these charges. During the initial report, I was asked whether the card was in my possession, and I truthfully confirmed that it was. However, I also repeatedly stated that I did not conduct or authorize the transactions. The bank denied my claim solely on the basis that the card was in my possession and that the transactions were considered card present. This conclusion is flawed and insufficient. The presence of the card does not prove that I authorized the transactions, nor does it eliminate the possibility of fraud ( e.g., card cloning or compromised merchant systems ). The unauthorized transactions include charges from XXXX ( XXXX, XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( online ), and multiple XXXX XXXX charges originating from XXXX, XXXX. These transactions are inconsistent with my normal usage and occurred across different merchants and locations. For context, there was one legitimate charge from XXXX XXXX that posted on XX/XX/XXXX, which I authorized. However, all other transactions listed in my dispute are fraudulent. I can also verify my whereabouts : On XX/XX/XXXX, I was conducting telehealth appointments from XXXX XXXX to XXXX XXXX at my office in XXXX XXXX, XXXX. On XX/XX/XXXX, I was again seeing patients from XXXX XXXX to XXXX XXXX at my office in XXXX XXXX, XXXX. Despite this, the bank failed to conduct a reasonable investigation and has not provided any documentation supporting its conclusion. I specifically requested whether the merchants were contacted or whether any transaction verification ( such as chip read data, signatures, or device/IP information ) was obtained, and no such information has been provided. I am asserting my rights under the Electronic Fund Transfer Act ( Regulation E ), which requires financial institutions to conduct a reasonable investigation and provide supporting documentation upon request. I am requesting the following resolution : Immediate reopening and proper investigation of my fraud claim Reimbursement of all unauthorized transactions and associated fees Full documentation of the banks investigation and decision-making process I believe Citizens Bank failed to meet its obligations under federal law and improperly denied my claim without sufficient evidence. I request that the CFPB review this matter and require the bank to correct this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
opened a Chase Total Checking account on XX/XX/year> after seeing a {$400.00} promotional offer. I completed all required qualifying activity, including over {$1500.00} in payroll direct deposits within 21 days of account opening, which is well within the required timeframe. Despite meeting the promotional requirements, I was informed that no coupon code was attached to my account, and therefore the bonus would not be honored. I have contacted customer service multiple times and visited a branch, but no resolution has been provided. The promotion was actively being advertised at the time I opened the account, and I acted in good faith by fulfilling all requirements. I am requesting that Chase review this matter and honor the {$400.00} promotional bonus based on the qualifying activity completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am disputing a medical collection account being reported for {$1200.00} from XXXX XXXXXXXX XXXX. This account has been disputed with the credit bureau ; however, no proper investigation was conducted as required under FCRA 1681i. The account was marked as verified without any documentation being provided. I requested validation of this debt, including an itemized bill, proof of services, and proof of my legal obligation. The company failed to provide any such documentation. The reported balance is inaccurate and unsubstantiated. There is no evidence showing how the amount of {$1200.00} was calculated. Reporting unverified and inaccurate information violates FCRA 1681e ( b ) and 1681i, which require maximum possible accuracy and a reasonable investigation. I am requesting immediate deletion of this account from my credit report, or full validation including itemized billing and proof of liability. If this can not be provided, the account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Truist Bank regarding an extended hold on my funds. On or around XX/XX/year>, my account was placed under a fraud review. Since that date, the bank has restricted access to approximately {$52000.00} of my money. It has now been over a month, and I have not received a clear explanation, resolution timeline, or meaningful updates despite multiple attempts to contact the bank. I get things like we will send you an affidavit to go to the bank and they never did. I go to the bank amd they call the back office but refuse to give me reason of what is going on and will not allow me to take my money. They keep giving me different information that is not accurate. I understand the need for fraud investigations, but the length of this hold and lack of communication is unreasonable and is causing financial hardship. I have not been provided with any documentation requests, findings, or justification for continuing to hold my funds. I am requesting the immediate release of my funds or, at minimum, a clear written explanation of the reason for the hold, what is required from me, and a firm timeline for resolution.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint regarding PayPals handling of unauthorized charges and a denied dispute without proper investigation or evidence. I identified transactions processed through PayPal that I did not authorize. I immediately reported the issue to PayPal and opened a dispute. PayPal denied my claim, stating that the transactions were part of a billing agreement that I supposedly set up with the merchant. To verify this, I contacted the merchant, XXXXXXXX directly. XXXXXXXX confirmed in writing that : - There is no account associated with my information ( email, phone number, or payment method ) - There are no charges or active memberships tied to me This directly contradicts PayPals claim that a valid billing agreement exists. I requested that PayPal provide documentation supporting their decision, including the billing agreement ID, date and method of authorization, and the account or email associated with it. PayPal did not provide any of this information and instead issued a denial without proof. At this point, PayPal has failed to demonstrate that I authorized these transactions, while the merchant has confirmed that no account or charges exist on their end. I am requesting that PayPal : - Reopen and properly investigate this dispute - Provide full documentation of the alleged billing agreement - Refund all unauthorized charges - Remove any associated billing agreements from my account PayPals denial without evidence and contradiction with the merchants findings raises serious concerns about their investigation process and consumer protections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I applied for a Citi XXXX AAdvantage XXXX XXXX credit card through the XXXX XXXX booking page on XX/XX/year> at approximately XXXX XXXX. because I was offered up to a {$200.00} statement credit on XXXX XXXX purchases and XXXX AAdvantage bonus miles after meeting a spending requirement. The booking flow did not clearly disclose that I was ineligible for this promotion because I had previously received a newaccount bonus on the same Citi / AAdvantage XXXX XXXX card within the last 48 months. The exclusion was only buried in detailed Offer Availability terms, which I saw after applying. In Citis secure messages, a representative first told me I would surely receive all those benefits, then later reversed course and stated there was no way to change the terms and that I can not receive either the bonus miles or the statement credit under the XXXX rule. As a result, I now have an unnecessary new account and hard inquiry that I would not have incurred if eligibility had been clearly disclosed and if Citi had not provided conflicting written assurances.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Dave Operating, LLC
State: SC

Complaint narrative:
Recently Ive been away from work for XXXX XXXX due to XXXX I needed so I havent been able to make money. My laptop was stolen for work and After XXXX months I finally get a refund from XXXX to help me, I check my account and it says {$3.00} now. It instantly got deposited into my XXXX payment instead of extracash waiting for my paycheck. I extremely needed it and did not initiate it. Extremely needed it for I have no food no gas or anything : (

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I disputed this alleged debt and requested validation in writing on multiple occasions, including certified mail notices. I requested documentation showing a signed contract/application, complete payment history, itemized balance, date of delinquency, proof the company owns or has authority to collect the debt, and how the amount claimed was calculated. The company did not provide proper validation. Instead, they repeatedly sent the same generic and insufficient information that does not verify the debt or amount owed. They continue attempting to collect despite my dispute and failure to provide adequate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i submitted the request for the voluntary repossession because I got laid off and had been looking for work for 2 weeks without any success. They only gave me the option to refinance with another bank on my own. Which made no sense when I have XXXX income. I gave my apprival the same day to submit the voluntary repossession and gave them all the information and that the car has been at the local XXXX impound since XX/XX/XXXX. They reolied in an email that they will grt back to me in 3days with an approval or denial for the voluntary repossession. I haven't heard back within the 3 days. Their last email was from the XXXX with a confirmation that it has been submitted. After they failed to get back to me or even contact the impound to take back the car, I am trying to avoid them trying to charge me for the days that they failed to take action to take the car in their possession. Because now the costs for the car just sitting at the impound is piling up. And I have not been given any instructions or options concerning these charges that couldve been avoided because I informed them on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: UT

Complaint narrative:
am a victim of identity theft and do not recognize or authorize this utility-related account reported by Zion Debt Holding. I have no knowledge of opening, requesting, or using any utility service associated with this account, and I did not enter into any service agreement with the original creditor. Despite submitting an FTC Identity Theft Report and disputing this account, it continues to be reported as accurate on my credit file. I requested verification of this alleged debt, including the original utility service application, signed service agreement, and identity verification records used to open and authorize the account. No documentation has been provided showing that I initiated or authorized this service. The account appears to be reported based on address association or third-party data matching rather than verified identity or contractual authorization. As a result, this account remains on my credit report without substantiated proof linking me to any contractual obligation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
XX/XX/year> I signed a contract with XXXX XXXX XXXX to receive a loan from GoodLeap in the amount of {$50000.00} for XXXX years to receive solar panels that would Eliminate my electric bill, I still have a {$200.00} bill each month. I was also told I would receive a $ XXXX tax credit for the panels and I havent received a single penny! XXXX has since gone bankrupt and lost their lawsuit for fraud! They can no longer meet their obligations of the contract and I think its unfair that Im XXXX and can not work and Im paying double the money for electricity and solar panels!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: FL

Complaint narrative:
I am filing this complaint because I am being held responsible for a charge for items I did not receive. I paid {$2800.00} for items identified in the order record as watches. I did not receive the correct items I purchased. Immediately after receiving the box and realizing the order was wrong, I called the seller and asked to return the shipment. The seller told me to keep it and said the correct order would be resent. I relied on that statement and gave the seller time to fix the problem. The seller never sent the correct items. Instead, the seller later claimed the manufacturer had run out of stock and tried to substitute other items. I did not agree to substitutions. I made repeated good-faith efforts to resolve this directly with the seller. I also contacted XXXX and reported that I did not receive the correct items I paid for. XXXX did not resolve the issue and closed the matter. I submitted supporting documents to Capital One showing that I did not receive the correct items and that the seller tried to substitute different items instead. Even so, I am still being held responsible for the charge. I am requesting that this matter be reviewed because the evidence shows that I did not receive the goods purchased and that the dispute was not properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/year> late at night, I recd an alert regarding an online transaction - possible fraud. I did try to purchase something but a {$70.00} some odd dollars came thru as over {$130.00}. I tried to back out and apparently couldnt. Thats when I recd the alert. The alert did not give me the option to say whether I approved the company to which I would have said YES or if was the approved amount, to which I would have said NO. I answered NO then realized maybe I shouldnt have, but I didnt want an amount charged I did not agree to. Bank of America notified me my XXXX debit card would be closed and a new one issued within 10 days!!! I have 5 items automatically debited every month for years most of the debits are processed in the beginning of the month. The problem. I had no time to call these companies and no other way to pay them. As soon as I noticed, I did try to contact the companies and switch to using my checking account number but they would not use personal checking accounts, only cards. I asked if I could just come to the bank, show my valid govt ID and pick up a new card and they said that for security purposes, its mailed to the address on file. I asked how is that more secure these days? Other banks give it out right there with valid ID, of course. I was told well that is how BOA does it! If not everyone that forgot their card would be dropping in for new ones! I thought that was odd because with the hassle of having to change companies who would do that if they really hadnt lost/ stolen their card? And depending on where one lives. mail fraud is as high as cyber fraud. I have ZERO problem with the computer catching the Online purchase. As a former 31 year bank employee, with the former XXXX XXXX XXXX Bank, I know all too well what can .. and has happened. Its well over 10 days. I had to borrow a card from my sister. change the 5 companies for XXXX ( and I did it for XXXX as well ) just to avoid cut off of service and late fees! I am dealing with a sister who is very ill with XXXX and my own health issues and really having to go thru this is not helping the stress. Now, I have to wait .. ANOTHER 8-10 days for them to cancel the card they mailed and re-issue another!!!???!!! In this day and age???!!! This needs to be changed to an easier, less stressful yet secure way for all. Thank you. 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 2026-04-21 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I canceled my subscription with XXXX then on XX/XX/year> I was charged {$38.00}. I then requested that my money would be refunded to my account and Cashapp refused!

Company response to consumer: Closed with explanation