vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: NY

Complaint narrative:
PayPal is holding funds under an authorization hold that has exceeded 30 days. 
The merchant confirms the authorization was released, but PayPal refuses to remove the hold or escalate. 
I am requesting the stale authorization be dropped and funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: VT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Unauthorized monthly charges for XXXX XXXX. {$15.00} was charged for XXXX and XX/XX/year> for XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) immediately block and permanently remove XXXX ( XXXX ) fraudulent accounts that were added to my credit report without my knowledge or authorization. These accounts are the direct result of identity theft and not any legitimate consumer transaction. The fraudulent accounts include a XXXX collection account ( account number XXXXXXXX XXXX XXXX  ) reported in XX/XX/XXXX with a balance of {$0.00}, and a XXXX collection account ( account number XXXXXXXX XXXX XXXX  ) reported in XX/XX/XXXX with a balance of {$0.00}. I did not open, authorize, or benefit from either account. I have provided a valid FTC Fraud Report ( Criminal Complaint # [ Private Case Number ] ) along with all required supporting documentation, including proof that my personal information was compromised in the XXXX data breach. Pursuant to FCRA 605B, you are required to block and permanently remove these fraudulent items within four business days and ensure that all related collection activity, late payments, and inquiries cease immediately. I am filing this FTC Identity Theft Affidavit to report XXXX ( XXXX ) fraudulent accounts appearing on my consumer FICO credit report that I do not recognize and that are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX collection account ( account number XXXXXXXX XXXX XXXX ) reported in XX/XX/XXXX with a balance of {$0.00}, and a XXXX collection account ( account number XXXXXXXX XXXX XXXX ) reported in XX/XX/XXXX with a balance of {$0.00}. These accounts were not opened or authorized by me and have resulted in fraudulent collection activity appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be immediately removed from each of my consumer credit reports and that all collection activity related to these accounts cease pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : CFPB Complaint Erroneous Credit Card Denial by Citibank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] ( XXXX : XXXX ) Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against Citibank , N.A . Credit Card Denial Based on Erroneous Information Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an erroneous credit denial by Citibank , N.A . that I believe involves inaccurate or unverifiable consumer information and potential violations of the Fair Credit Reporting Act ( FCRA ). 

On or about XX/XX/XXXX, I applied for a credit card with Citibank , N.A . My application was denied based on information Citi stated adversely affected my creditworthiness. After receiving the adverse action notice, I obtained and carefully reviewed my consumer credit reports from XXXX XXXX XXXX XXXX The information cited by Citibank does not appear on any of these reports. 

Despite this, Citi relied on the unidentified information to deny my application. This suggests the use of inaccurate, outdated, or unverifiable data from a third-party consumer reporting agency, internal Citibank records , or an identity verification database. I have requested clarification, verification, and reconsideration from Citibank ; however, the issue has not been adequately explained or resolved. 

I am concerned that : Citibank relied on erroneous or unverifiable information The source of the information was not meaningfully disclosed My rights under the FCRA to accurate reporting and transparency were not fully honored This denial has negatively affected my ability to obtain credit and caused unnecessary harm despite my clean credit reports with the major bureaus.

I respectfully request that the CFPB review this matter and require Citibank to : 1. Identify and verify the specific information used in the denial 2. Correct or remove any inaccurate or unverifiable data 3. Conduct a manual reconsideration of my application based on accurate information Thank you for your time and attention to this matter. I appreciate the CFPBs assistance in ensuring fair and lawful credit practices. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
I am trying to file a dispute for the debt. 

I called during the afternoon and disputed the debt. 
I was told that it was noted that I called in to dispute the debt. 
But that the phone call will not stop collection and reporting to the credit bureaus, I have to file it online or by mail to register a formal dispute, to stop collection and reporting to the credit reporting services. 
I Tried to file online and after completing the form, I tried to click the box before Submitting the form. 
The box, did not respond when clicking on it. 
There were no notifications that I failed to p provide information which could cause the box not to respond. 
I tried several times. 
I then called the company again ( XXXX ) to notify them about the site malfunction. 
XXXX told me that the site does not have an error and that I need to relaod the page. 
Or mail the dispute to them. 

I asked for an e-mail address and was told by XXXX that the company does not have an email address to send the form that I downloaded, to. 

This is the dispute that I trying to file. 

1.1. Services that Could Not and Were Not Provided : I was charged for services that could not ( suspended services ) and malfunction of the cable were or not rendered and/or used.

1.2. In the past, XXXX XXXX  XXXX suspended my service immediately every time when I did not pay my bill on the due date. ( I was injured in a wreck and did not work and could not pay my bill on time. ) 1.3. The equipment of XXXXXXXX XXXX XXXXXXXX was disconnected. 
I could not use the internet connection since it did not function as described in point D.

2. Equipment Charges : The Technical Support person told me that they will come and pick the equipment up, After receiving the letter from H & H, I returned equipment myself for credit. 
3. Reason for Cancellation my Service : Reoccurring Technical Malfunction causing interruption in services. 
The technicians could not resolve the consistently reoccurring problem with condensation inside the plastic lining of the cable. The cable is damaged due to wear and tear over time. 
I was told that they are not going to replace the cable, since its too expensive for only 1 person on the receiving end of the cable.

4. H & H charges : I am not at fault, thus not liable. Please refer back to XXXXXXXX XXXX XXXXXXXX for payment. 

My account was paid in full till the end of that month. 

I had another company to install their equipment and I used their internet connection during the last month that I already paid for.

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 2026-01-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX I booked a trip through XXXX for XXXX XXXX XXXX. I paid with my Citi XXXX XXXX credit card. XXXX stated that free cancellation was available before XXXX the same day of booking. However, when I cancelled before said time, I was eventually charged the full amount of {$850.00} USD ( or XXXX XXXX ) which is a clear violation of their terms. I reached out to the customer service team on Telegram, and they stated I cancelled the day after because I was not in the XXXX time zone. However, this is false. I booked the trip XX/XX/XXXX at XXXX XXXX, and cancelled it at XX/XX/XXXX at XXXX XXXX. In XXXX time, this corresponds to XX/XX/XXXX at XXXX, and XX/XX/XXXX at XXXX, respectively. Therefore, I cancelled within the same day, regardless of which time zone was considered. Thus this is a clear violation of their same day free cancellation policy. My credit card, Citi, rejected the dispute, which is an incorrect action. XXXX is not responding to my messages now and refuses to give any form of travel credit or monetary refund. 

I have included screenshots of my booking and time ( with timestamps ), as well as the credit card charge, and my correspondence with the company. I've also included examples of how their same day cancellation policy appears on their website bookings. 

Thus, I am filing a complaint regarding Citibanks improper handling of a billing dispute under the Fair Credit Billing Act. I cancelled a XXXX reservation the same day of booking in reliance on the merchants clearly advertised same-day free cancellation policy. Despite submitting evidence of this policy, Citibank denied my dispute without adequately addressing the documentation or providing a substantive explanation. I am requesting a full reversal of the charge and a proper review of the dispute consistent with federal consumer protection standards.

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 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been getting escrow analysis every year. my escrow for new year is based on upcoming taxes and insurance. I pay taxes and insurance every year based on that. This year I got analysis that I am Negative {$7000.00}. I was told when called it stemmed back from XXXX, taxes and insurance have been for previous years {$10.00}, XXXX. I pay that, give to take a couple XXXX. How I asked them is it I am negative {$7100.00}? they changed and said well it from previous year XXXX, I was negative {$8600.00} ( and that was spread out over 3 years ) which means I would have been done paying in XXXX. Now when it doesn't make sense to me, I'm told, my previous servicer XXXX XXXX taxes and insurance in XXXX of XXXX to XXXX, the I was transferred to shell point in XXXX of XXXX, and they paid the same insurance 2 times! the rep then went on to say they were refunded XXXX of the checks for over payment, and that XXXX  owes ME a check. With that being said, my insurance was {$4200.00}. Where did the other round about {$3000.00} I owe comes from? And if I have been paying my escrow according to what they sent me, how am I owing that much? the agent did not understand and said that it comes from the other company XXXX. Please help me get the bottom of this, And Have been paying mortgage for have not refinanced since XXXX and this company says I still have XXXX more years to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a XXXX citizen and the owner of a XXXX business. I opened a XXXX business checking and savings account in person at a Chase branch located at XXXX XXXX XXXX, XXXX, XXXX  XXXX, using a valid EIN. An SSN was not required at the time the account was opened. 

After the account was opened, XXXX customers successfully deposited funds into the account. When my debit card initially did not work, I contacted Chase and was instructed to return to the branch. I went back to the same branch, where the branch XXXX verified my identity, and I was able to successfully use the debit card inside the branch. 

Immediately after leaving the branch, the account and debit card were restricted again. 

When I contacted Chase by phone, I was told that I must provide an SSN to access my funds. This is improper and confusing because : An SSN was not required to open the business account I am not eligible for an SSN The account was opened and verified using an EIN only Chase accepted deposits and permitted transactions before imposing this requirement Because the account was unusable, I returned to the same branch and requested that the account be closed and that a closing cheque be mailed to the address on file. I was explicitly told that the cheque would be sent and that I would receive it by XX/XX/year>. 

As of XX/XX/year>, Chase informed me that : The closing cheque was never sent Chase will not release my funds unless I provide an SSN If I do not have an SSN, my funds will remain with Chase indefinitely but chase only used EIN to open the account and collect my funds but now asking for SSN after i was frustrated and closed the account. 

Chase is now withholding lawfully deposited business funds while demanding identification that was not required to open the account, and is refusing to release funds even after account closure was requested. 

I am a small business owner, and this has prevented me from operating my business and paying workers. I have received conflicting information from Chase departments and have been passed between phone representatives, branch staff, and departments without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I was contacted by CREDIT CONTROL LLC regarding a debt they claimed I owed. During that call, I specifically requested a validation of the debt and provided my correct mailing address to receive the proof. They assured me that they would send the validation letter to the updated address. 

As of today, XX/XX/XXXX, it has been 20 days since my request, and I have not received any validation of the debt. Despite this, the debt collector contacted me again today to ask about my intentions for paying the debt. When I informed the representative that I was still waiting for the validation, she claimed there was no note of my request. I reiterated that I had made this request on the recorded call on XX/XX/XXXX. 

I then asked to speak with a supervisor. When the supervisor got on the line, he acted as if I had initiated the call. I clarified that they were contacting me to collect the debt, even though they have not sent the validation I requested. I stated that I would not discuss any further details until they review the original call and fulfill my request for validation. 

In summary, my complaint is that the debt collector has continued to contact me and attempt to collect the debt without providing the legally required validation. They are not respecting the XXXX period for validation and have contacted me inappropriately while I am still waiting for proof of the debt.

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 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I proactively contacted Capital One to request a temporary hardship accommodation due to maternity leave and a temporary loss of income. I specifically requested a hardship review, forbearance, or payment accommodation to protect my account while my income is paused. 

Capital One refused to open a hardship case, refused to transfer me to a hardship/financial assistance department XXXX and stated that they do not offer hardship accommodations, do not pause payments, do not reduce interest, and do not waive fees which contradicts Capital Ones publicly stated loss-mitigation policies and federal servicing standards. 

I was told the only assistance available would still result in interest accrual, late fees, and my account being reported past due. Capital One stated that the only assistance available would be to move my current payment due date to the following month while continuing to charge interest, late fees, and reporting my account as past due. I was told that Capital One does not offer payment forbearance, interest reduction, fee waivers, or any program that maintains accounts in good standing during a temporary hardship. I was further told by both a frontline representative and a supervisor that Capital One has not done what you are requesting in 15 years. This assistance would still result in delinquency, penalties, and credit reporting harm and does not constitute a hardship accommodation or a good-faith loss-mitigation review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I submit this complaint concerning TD Banks XXXX, New York branch and its refusal to open a consumer bank account based on my address information. 
On or about Friday, XX/XX/year> I appeared in person at TD Banks XXXX branch seeking to open a standard consumer deposit account. 

XXXX personnel declined to process my application, stating that because I utilize a P.O. Box for mail and because a XXXX address appears on my identification, the account could not be opened at that location and that I would need to go back to XXXX XXXX XXXXXXXX to do so. 

No individualized inquiry was made regarding my identity verification, banking history, creditworthiness, or risk profile. No compliance-based justification was explained. The refusal was categorical and based solely on geographic considerations. 
I am concerned that this practice improperly restricts access to banking services based on perceived residency rather than legitimate regulatory or risk-based criteria. I respectfully request that TD Bank be required to provide a written explanation identifying the specific policy relied upon, whether that policy is branch-specific or institution-wide, and how it complies with applicable federal consumer protection requirements. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Product : Credit card Issue : Fees/ unclear disclosures Company : JPMorgan Chase Bank Complaint text : In XX/XX/year>, I contacted Chase with the intent to close my credit card in order to prevent unauthorized charges. I was advised by a Chase representative to lock the card instead. It was not clearly disclosed that locking the card would still allow recurring charges and membership fees to post. 

As a result, Chase charged the {$99.00} membership fee and there were approximately {$250.00} in charges, which I would not have incurred had the card been closed as I originally requested. 

Chase has refused to refund or prorate the membership charge incurred in XX/XX/year> on the locked card. I believe the distinction between locking and closing a card was not adequately explained, and that I relied in good faith on Chases guidance to my financial detriment. 

I am requesting assistance in obtaining a refund or equivalent credit and improved disclosure to prevent this from happening to other consumers.

Company response to consumer: Closed with explanation