vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AR

Complaint narrative:
XXXX XXXX and XX/XX/XXXX of XXXX i have called this company every day. I have verified my identity with photos of myself as well as my driver 's license and provided last 4 of social, DOB, email and phone number on file. Just on XXXX XXXX XXXX, XXXX, 4 different times I provided proof of my identity using the link they provided me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding Chases refusal to honor a {$75.00} promotional XXXX dining statement credit despite meeting all eligibility requirements. On XX/XX/2025, I made an eligible purchase at XXXX XXXX in the amount of {$220.00} using my Chase Sapphire XXXX credit card. The XXXX promotion ended on XX/XX/2025. The published terms stated that the {$75.00} statement credit would appear within six to eight weeks after the promotion end date. Six to eight weeks after XX/XX/2025 is approximately XX/XX/XXXX through XX/XX/2025. The credit did not post within that timeframe. After the credit failed to appear, I contacted XXXX, the program partner administering the promotion. I did not receive a timely resolution. Therefore I downgraded my credit card product on XX/XX/2025. This was after the promotional period had ended and after the six to eight week posting window had already passed. Chase denied the credit, citing a term stating that changing the credit card during the promotional period forfeits the offer. However, the promotional period ended XX/XX/2025, and my product change occurred XX/XX/2025. Therefore, the forfeiture clause does not apply. The eligible transaction was completed while the benefit was active, and the account remained open and eligible through the promotional period and beyond the stated credit posting window. Despite multiple written communications, Chase has refused to honor the {$75.00} promotional credit and has stated they will no longer respond. I am requesting that Chase apply the {$75.00} promotional credit in accordance with the published terms. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Request was sent to Jefferson Capital Systems is report an account the they were supposed to delete along with the tradelines. Yet it is still being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Gave my phone to a random to take a picture he ended up emptying my Cash App account which was {$20.00}. The notation for the payment is set as ride which doesn't make any sense as I was XXXX and I have the documents to show that I was XXXX. I would not need to pay someone for a ride at all the tips were done through XXXX. He may have asked me for the passcode for my phone as I think it turned off but this is fraudulent. This is unauthored and it is theft. I did NOT authorize the payment. I did NOT intend to send money. The person used deception to access your device. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had XXXX Hard Inquiries on my account that affected my credit

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter in formal response to your recent communication regarding the alleged debt referenced above. I am officially disputing the validity of this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. To date, you have failed to provide a shred of legal evidence that I have any contractual obligation to your agency or that the amount you are claiming is even accurate. I demand that you provide the following documentation within 30 days : Proof of Legal Authority : A copy of the original contract or agreement bearing my signature. Chain of Title : A complete breakdown of the chain of assignment from the original creditor to your agency. Itemized Ledger : A full accounting of the alleged debt, including the original balance and a detailed list of every fee, interest charge, or " collection cost '' added. Verification of License : Evidence that you are legally licensed to collect debts in my state. Notice Regarding Credit Reporting ( FCRA Compliance ) : Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate or unverified information to the credit bureaus. If you have already reported this unverified debt, you must immediately mark it as " Disputed '' with all credit reporting agencies. Failure to provide the requested validation while continuing to report this item or pursuing collection efforts constitutes a willful violation of federal law. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my States Attorney General. Cease and Desist : Until you provide the legal proof demanded above, you are hereby ordered to cease all collection activity. Do not contact me by phone at my place of residence or employment. All future correspondence must be in writing via XXXX. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VAXXXX XXXX Re : Dispute of Inaccurate Information under 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as furnished by your agency. This dispute is made under my rights granted by the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Upon reviewing my credit report for dates XX/XX/XXXX Portfolio Recovery Associate I noticed the following inaccuracy : funding Issue : This information is inaccurate and damaging to my credit profile. I request that you investigate this item and take appropriate action to ensure the maximum possible accuracy of the report. Under 15 U.S.C. 1681e ( b ), your agency is obligated to follow reasonable procedures to avoid reporting erroneous data. Please complete your investigation within the time frame allowed by law ( XXXX days ) and inform me of the outcome in writing. If the item is found to be inaccurate, I request that it be corrected or removed and that an updated copy of my credit report be sent to me. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
this company lied about intrest rates. this company report incorrect information on 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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime issues as far as fee and not getting money for having friends sign up with my code

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: GA

Complaint narrative:
I am submitting this complaint because LVNV Funding LLC and the original creditors, XXXX XXXX and XXXX, are reporting duplicate accounts on my credit reports. The same alleged debts are being reported by both LVNV Funding LLC and the original creditors. These appear to be the same underlying accounts, yet they are listed as separate tradelines. This creates duplicate reporting and inaccurately inflates my outstanding obligations. If LVNV Funding LLC purchased these debts, the original creditors should report a XXXX balance and indicate the accounts were sold or transferred. Reporting multiple active tradelines for the same debt is misleading and violates the Fair Credit Reporting Act. This duplicate reporting is negatively impacting my credit score and financial opportunities. I am requesting that LVNV Funding LLC, XXXX XXXX, and XXXX : Provide documentation validating the debt and their authority to report it Correct or remove any duplicate or inaccurate tradelines Ensure accurate reporting in compliance with the Fair Credit Reporting Act I request that these duplicate accounts be investigated and removed if they can not be properly validated. I have attached copies of my credit reports showing the duplicate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the victim of coordinated identity theft affecting XXXX financial institution accounts simultaneously. I have submitted a formal written dispute letter to Chase Card Services via XXXX XXXX Mail ( Tracking No. [ XXXX ) on [ XX/XX/year> ], pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account ( ending [ XXXX ] ) reflects $ [ XXXX ] in unauthorized transactions I did not authorize. I did not link any external accounts, initiate any payments, or authorize any third party to access this account. I demand : ( XXXX ) immediate fraud case opening and written case number confirmation ; ( XXXX ) full provisional credit for all disputed amounts ; ( XXXX ) suspension of all adverse credit reporting and collection activity pending investigation ; and ( XXXX ) written response within the statutory period. The FTC Identity Theft Report filed concurrently is attached ( Case No. [ FTC CASE # XXXX ] ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX - PREVIOUSLY DISPUTED AND DISMISSED BY PRIOR COLLECTOR Valor Intelligent Processing , LLC ( Reference # XXXX ) is attempting to collect {$750.00} for a XXXX debt that was ALREADY DISPUTED AND DISMISSED. BACKGROUND - PRIOR CFPB COMPLAINT # XXXX : This same debt was held by XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I filed a CFPB complaint. XXXX & XXXX responded by : - CEASING all collection efforts- AGREEING to remove the tradeline from credit bureaus - PROVIDING validation documents for a DIFFERENT CONSUMER named " XXXX XXXX '' - NOT MY ACCOUNT This proves NO VALID DOCUMENTATION EXISTS for any debt allegedly owed by me. A utility bill from another consumer 's account is NOT legal verification. VALOR 'S VIOLATIONS : XXXX. COLLECTING DISMISSED DEBT : The prior collector failed to validate and ceased collection. Passing an unvalidated debt to XXXX does not cure these defects. XXXX. FALSE AMOUNT : XXXX XXXX XXXX claimed {$590.00}. Valor claims {$750.00}. XXXX 's letter states {$0.00} interest and {$0.00} fees added. The {$160.00} increase is mathematically impossible = FALSE REPRESENTATION ( 15 U.S.C. 1692e ). 3. PATTERN OF MISCONDUCT : Valor has multiple federal lawsuits for FDCPA violations including : Phillips v. Valor ( N.D. Ill. 2020 ), Ewalt v. Valor ( C.D. Ill. 2021 ), Russell v. Valor ( N.D. Ill. 2022 ), Applewhite v. Valor ( M.D. Fla. 2022 ), James v. Valor ( W.D. La. 2023 ), Portillo v. Valor ( C.D. Cal. 2024 ). CFPB complaints date back to 2020. XXXX. UNCLEAN HANDS : Prior collector committed fraud by providing another consumer 's documents. This taints all subsequent collection. DEMANDS : - Complete chain of title documentation - Accounts receivable/payable ledger explaining balance increase - Original contract with MY signature ( not XXXX XXXX XXXX XXXX XXXX certificate under penalty of perjury - Explanation of why collecting after prior dismissal WARNING : If this debt is sold to another collector, I will sue ALL parties in the chain for FDCPA violations, harassment, and conspiracy. Billing statements are NOT verification. I am also filing BBB complaints and complaints with XXXX XXXX XXXX XXXXXXXX, and FTC. I am attaching the Debt Validation Demand Letter as part of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/year>, I XXXX XXXX on behalf of XXXX XXXX ( formerly doing business as XXXX XXXX XXXX XXXX XXXX ) opened a business checking account with BANK OF AMERICA and deposited {$500.00} in cash at the XXXX XXXX XXXX in XXXX Washington. Shortly thereafter, BANK OF AMERICA closed the account without notice or explanation. The claimant was informed by bank representatives that a refund check of the full deposit amount would be mailed to the company. Despite multiple follow-ups with branch staff and the banks customer service department over several months, no refund has ever been received. Written correspondence, including a formal demand letter, was sent to both the XXXX XXXX XXXX ( XXXX, FL ) and the XXXX XXXX ( XXXX, NC ), but there has been no substantive response or payment. Regulatory Context : The failure to return deposited funds upon account closure may constitute a violation of the banks obligations under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, specifically 12 C.F.R. 1005.33, which requires fair and timely error resolution for consumer and business deposit disputes. [ 3 ] Additionally, under 12 U.S.C. 5531 ( a ), the Consumer Financial Protection Bureau is authorized to take action against institutions engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). The CFPBs own complaint data reflects that such instances of debankingwhere banks close accounts and withhold fundsare a recurring issue affecting thousands of consumers annually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: IL

Complaint narrative:
I am submitting this complaint against CARTER-YOUNG INC because , after I notified the company that XXXX was attributing another persons collection account to my credit report, the company did not meaningfully assist in correcting the problem. The collection account at issue is for {$6200.00}, with XXXX XXXX listed as the original creditor. The account is associated with XXXX XXXX, not me. My name is XXXX XXXX, and I am a different person. I have never had a middle name. My complaint is that this debt, which belongs to XXXX XXXX, was placed by XXXX on my credit report through a mixed-file / misfiled reporting error. I contacted CARTER-YOUNG INC to explain that this was not my debt and that it was appearing on my credit report by mistake. Instead of helping resolve the matter, I was essentially told that if it was not my account, I should not worry about it. However, the account continued to appear on my credit report and continued to harm me. Once CARTER-YOUNG INC was put on notice that its account information was being attributed to the wrong consumer by XXXX, the company should have taken meaningful steps to investigate, clarify the identity mismatch, and assist in correcting the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Im going through a financial hardship where I lost my job, and Im struggling to make ends meet. Navy Federal Credit union, is not trying to work with me, and they are contacting me consistently to pay a bill I simply can not afford at the moment. I would like a lower monthly payment, or deferred my payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter in formal response to your recent communication regarding the alleged debt referenced above. I am officially disputing the validity of this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. To date, you have failed to provide a shred of legal evidence that I have any contractual obligation to your agency or that the amount you are claiming is even accurate. I demand that you provide the following documentation within 30 days : Proof of Legal Authority : A copy of the original contract or agreement bearing my signature. Chain of Title : A complete breakdown of the chain of assignment from the original creditor to your agency. Itemized Ledger : A full accounting of the alleged debt, including the original balance and a detailed list of every fee, interest charge, or " collection cost '' added. Verification of License : Evidence that you are legally licensed to collect debts in my state. Notice Regarding Credit Reporting ( FCRA Compliance ) : Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate or unverified information to the credit bureaus. If you have already reported this unverified debt, you must immediately mark it as " Disputed '' with all credit reporting agencies. Failure to provide the requested validation while continuing to report this item or pursuing collection efforts constitutes a willful violation of federal law. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my States Attorney General. Cease and Desist : Until you provide the legal proof demanded above, you are hereby ordered to cease all collection activity. Do not contact me by phone at my place of residence or employment. All future correspondence must be in writing via USPS. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unverified Account on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute an account that has recently been added to my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or unverifiable. Upon reviewing my credit file, I noticed an account listed under Credit Corp Solutions in the amount of {$540.00}. I have not received any notification or verification that this account is accurate or valid. I request that you investigate this matter in accordance with Section 609 of the FCRA, which provides me the right to request verification of the account in question. I believe that this account should be removed from my credit file unless proper verification is provided. I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by the FCRA. Thank you for helping to ensure that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation