vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 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: Block, Inc.
State: PA

Complaint narrative:
" I am disputing a {$170.00} charge for an item never received. The merchant provided a fraudulent USPS tracking number ( XXXX ) which the carrier confirmed was never in their possession and not sent to my address ( XXXX XXXX XXXX XXXX XXXX, PA ). I have already filed a Federal Trade Commission report ( # XXXX ) and a Pennsylvania Attorney General complaint. Despite this, the bank ( Cash App ) denied my claim and is stalling the appeal until XX/XX/year>. Furthermore, the banks app physically blocked me from uploading these government-issued fraud reports, denying me a fair investigation under the Fair Credit Billing Act. '' In the " What would be a fair resolution? '' box, put : " I want a full refund of {$170.00} immediately. I also want the bank to review the FTC and Attorney General documents I am attaching to this complaint, which prove the merchant committed mail fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I see this on my credit report I have no idea what it is? No loan at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed a claim and it was closed and not found in my favor. I ordered dinner from XXXX XXXX. The driver took a photo of the order at my home and marked it as delivered to receive payment for the completed delivery from XXXX XXXX. I went to get my order and it was not there. I checked my doorbell camera and it shows the driver walked away with my order. The video is time and date stamped. Since chase does not have the option to submit videos, I submitted screenshots from the video that show the sequence of him leaving with my order that I paid for. Yet, when I called chase, I was told that the investigation was complete and theres not enough evidence. Not only did I pay for food I did not receive, but my evening was so negative affected since I had to make alternate plans for dinner while also trying to deal with this. I submitted the video to XXXX XXXX  and they are not willing to issue a refund. This makes absolutely no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I originally had a merchant processing account with TSYS XXXX under Merchant ID XXXX. An agent, XXXX XXXX of XXXX XXXX XXXX XXXX, offered to switch me to another TSYS account under Merchant ID XXXX to lower my processing fees. 

After switching, I discovered I was being billed by both accounts at the same time. I informed the agent and told her to cancel the new account because I would return to my original provider. My original agent assisted in closing the new account, and TSYS XXXX later confirmed the account was closed on XX/XX/year>. 

Despite this confirmed closure, charges under the second account continued to be withdrawn from my bank account. The account never processed transactions and generated only recurring fees. The company has refused to refund the charges and instructed me to contact the agent instead. 

I am requesting reimbursement of all withdrawals taken after XX/XX/year> and a full accounting of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I received a letter from Harris & Harris stating they had purchased a debt from XXXX and notifying me of my right to dispute the debt within the XXXX period. The letter indicated they would cease collection efforts until any dispute was resolved. I have never had a XXXX account and do not owe this debt. 
On XX/XX/XXXX, I sent a written dispute to Harris & Harris requesting proof that the account belonged to me and verification of the debt. This was within the XXXX validation period under the FDCPA ( 15 U.S.C. 1692g ). 
As of today, XX/XX/XXXX, Harris & Harris has not provided any verification, proof, or response to my dispute. Despite this, they reported the account to my credit reports on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: GA

Complaint narrative:
On or about XX/XX/year>, this account began reporting on my credit file for approximately {$1200.00}. I dispute the validity of this alleged debt. 

I previously sent a written request for validation, requesting documentation establishing ownership or assignment of the account, a copy of the original agreement, documentation supporting the claimed balance, and confirmation of the companys authority to collect and report this debt. 

The company did not provide the requested documentation. Despite this, the account continues to be reporte, d and collection activity continues. 

Because the company has failed to validate the debt and has not provided documentation supporting its authority or the balance claimed, I believe they are attempting to collect and report a debt that has not been properly established. 

I am requesting that this account be deleted and that collection efforts cease unless proper documentation is produced.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My PayPal digital wallet account ( Ref : XXXX ) was permanently limited/closed without a specific reason after I received legitimate promotional cash rewards from XXXX. PayPal 's automated system flagged these as 'inconsistent activity, ' yet PayPal continues to allow XXXX to use the PayPal logo prominently to market these exact promotions to consumers. 

I have chat logs from XXXX ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) proving these were legitimate $ XXXX merchant rewards. Additionally, I participated in other XXXX promotions ( such as XXXX ' ) that yielded smaller, daily rewards. XXXX systematically disbursed these daily rewards as direct cash payments directly to my PayPal account. Despite this being standard merchant payout behavior, PayPal has blocked all communication channels and refused to provide a live agent to review my evidence. I requested the specific reason and User Agreement term for my account 's termination, as well as instructions on how to access and pay my ongoing PayPal Credit card balance, but they refused to provide this information. 

Most importantly, because PayPal unjustly closed my digital wallet, they are simultaneously blocking me from accessing my XXXX/PayPal Credit Card portal XXXX I am unable to easily manage or pay my credit card bill, which threatens my credit score. This constitutes an unfair and deceptive business practice ( UDAAP ) as I am being penalized for participating in a merchant activity that PayPal actively brands and facilitates, while also being blocked from servicing my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX, a formal complaint with the FTC and CPFD was found in reference to these three accounts being fraudulent due to identity theft documentation was provided. The accounts were deleted later they were re-inserted. The accounts have been deleted and re-inserted multiple times since XX/XX/XXXX through XX/XX/XXXX. 
The accounts now reflect closed charge off, which is still negatively reflecting on my credit. I would like to request immediate deletion and permanent removal. Knowing reporting fraudulent data is considered reckless these fall under statutory violations, 15 USC 168c-2, FCRA 605b, 15 USC 681S 2B, 1681n, 1681o,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian , and XXXX  regarding multiple hard inquiry entries appearing on my consumer credit reports that were generated without my knowledge, without my authorization, and without verified permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After carefully reviewing my credit files from all three consumer reporting agencies, I discovered numerous automotive and financial inquiry entries that suggest I applied for credit products that I do not recall requesting or authorizing, creating a misleading and inaccurate representation of my financial behavior. On my Equifax report, the following inquiries appear : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my Experian report, the following inquiries appear : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries collectively suggest multiple automotive financing applications within a condensed timeframe, which I did not initiate. Under FCRA 602, consumer reporting agencies must ensure fairness, accuracy, and privacy in credit reporting systems ; under 607 ( b ), they are required to follow reasonable procedures to assure maximum possible accuracy; under 604 ( a ) ( 3 ) ( A ), inquiries may only be reported when a legitimate permissible purpose exists; under 609 ( a ) ( 1 ), I am entitled to full disclosure of all information contained in my file; under 611 ( a ), the bureaus must conduct a reasonable reinvestigation upon dispute ; under 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted ; and under 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. The continued reporting of these unauthorized hard inquiries falsely implies active credit-seeking behavior, may negatively influence credit scoring models and underwriting decisions, and has caused harm to my credit profile, reputation, and financial opportunities. Despite my good-faith efforts to review and monitor my credit file, these inaccuracies remain, reflecting a failure to maintain reasonable verification procedures and compliance with federal consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
My Gemini cryptocurrency exchange account has been restricted/locked since XX/XX/XXXX, with no explanation provided despite full cooperation with verification requests. This prevents access to my funds, trading, withdrawals, or any account activity. Key details and timeline : Restriction began on or around XX/XX/XXXX, without notice or stated reason ( e.g., no mention of suspicious activity, policy violation, or KYC issue ). 

I submitted support inquiries and opened XXXX ID : XXXX in late XX/XX/XXXX. 
On XX/XX/XXXX, Gemini requested a single verification photo : full-face selfie + my registration ID + handwritten note with date and code " XXXX, '' uploaded via their secure Dropzone ( https : XXXX ). They emphasized XXXX photo only, no expired ID accepted. 
I completed and submitted this promptly, then replied confirming submission. 
Follow-ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and beyond received only generic responses : high volume, " working with our team, '' " follow up soon, '' AI-generated notes promising human review, but no progress, explanation, or timeline after over XXXX months total ( and XXXX month post-verification ). 
No access to my crypto holdings, exposing them to market volatility and potential losses ( e.g., unable to sell/buy during price movements ). 

Gemini has failed to provide any reason for the hold or next steps, despite my compliance. This aligns with patterns in other user complaints ( e.g., prolonged holds after verification on XXXX  ) XXXX As a regulated platform, they owe transparency and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Zip Co US Inc.
State: NC

Complaint narrative:
I first to change my contact information for 6 mths did the security verification and did the selfie verification with my ID and still my personal information not updated correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
am filing this complaint regarding an invalid and improperly reported housing debt from XXXX XXXX, managed by XXXX XXXX XXXX XXXX, which has been placed in collections and is now appearing on my credit reports and tenant screening reports. 

This alleged debt arose after my lease was mutually terminated with the full knowledge and approval of both XXXX Apartments management and the XXXX XXXX XXXX. I have written documentation from the XXXX XXXX XXXX confirming that my lease termination was approved by both parties and coordinated with the housing authority. 

My move-out was conducted in compliance with this approved termination and was related to a XXXX accommodation and housing authority action. This was not an eviction, lease violation, or abandonment. 

Despite this, XXXX XXXX improperly charged additional rent, utilities, and fees after the approved termination date and applied my security deposit toward charges that I dispute. The accounting they provided contains inconsistencies and does not reflect all housing assistance payments made on my behalf. 

I formally disputed these charges with the property XXXX immediately upon receiving the deposit accounting statement, but the disputed amount was still sent to collections and reported to credit bureaus and tenant screening companies. 

This inaccurate reporting is now preventing me from obtaining housing. 

I am requesting that the company be required to : Provide full validation of this debt, including complete accounting and proof the charges are valid after housing authority lease termination approval, or Immediately delete this debt from all credit reporting agencies and tenant screening databases. 

I believe reporting this disputed and invalid housing debt constitutes inaccurate credit reporting and improper collection activity. 

I am seeking urgent resolution as this matter is directly impacting my ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting a formal dispute regarding an alleged debt being reported and/or collected by Jefferson Capital Systems LLC . I received a collection notice dated XX/XX/year> claiming a debt originating from XXXX XXXX in the amount of {$2200.00} for account number XXXX. 

I dispute this debt in its entirety. 

I have never conducted business with Jefferson Capital Systems LLC, have never entered into any agreement with this company, and have never signed any contract with Jefferson Capital Systems LLC. I do not recognize this alleged obligation and deny any legal responsibility for the claimed amount.

NO VALIDATION PROVIDED I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Until full validation is provided, this debt is legally disputed.

You are required to provide : The original signed contract or agreement bearing my signature Documentation proving I am legally obligated to pay this debt Complete itemized accounting of the amount claimed Full payment history Proof of your legal authority to collect this debt Documentation showing chain of assignment from the original creditor Proof of the date of default and date of last payment Verification the debt is within the statute of limitations If you can not provide these documents, you must immediately cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint against this debt collector for repeated harassment. They have been calling me multiple times throughout the day and night and sending nonstop emails, which I believe violates the Fair Debt Collection Practices Act. The frequency and timing of these communications are excessive, disruptive, and feel intended to pressure and intimidate me. I am requesting that this conduct be investigated and that the company be required to comply with federal debt collection laws and cease the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
The opening date for this car loan was XXXX XXXX XXXX the starting balance was {$17000.00} the remaining balance was XXXX XXXX this is how much it was when they sold my contract my last payment was XXXX my date of delinquency was XXXX XXXX my date closed was XXXX XXXX at that time I dealt with the company they sold my contract with and cleared everything up with them I was assuming that I would have no more dealings with that company because they were not reporting on my credit report at the time only the company that they had sold the contract to but after I had cleared up everything they popped up on my credit report negative again not reflecting the balance of the car that they repoed no explanations and no way to resolve it I have had a few credit repair companies try to resolve the issue but with no results I've went to each XXXX of the credit bureaus and have them to dispute it and once again no results I've tried to talk to the company and tried to resolve it how is it possible for you to sell a contract and me pay it off and they come back and still try to get more they told me to go file a complaint with the credit bureau I told him I did that already they just kept sending me off somewhere else I don't know what else to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: River Financial Inc.
State: MO

Complaint narrative:
I do not have access to the river account and can not give exact details due to not being able to see my history. I will be as detailed as I can. 

I had opened an accout with XXXX in XXXX putting smaller amounts into the account with expectations of buying bitcoin. I didn't see a good opportunity to buy XXXX  so I withdrew my funds. 

On XX/XX/XXXX I transferred {$100000.00} from my XXXX checking account and purchased bitcoin in that amount. The market for bitcoin still looked promising so I transfered {$50000.00} more from my XXXX  XXXX XXXX checking account and purchased bitcoin with that money as well. 

I watched bitcoins prices go up and down about the same as I purchased it for. After I believe XXXX day 's I sold all of my bitcoin at a loss and the money was transferred into my river cash account. 

Everything was fine at this point. I left the money in the river account for about a week to see if bitcoin would drop in price enough for me to invest again. That didn't happen, so I withdrew my money to my XXXX  XXXX XXXX account. The same account where {$50000.00} was transferred from initially to buy bitcoin. I initiated the transfer on the XXXX of XXXX and XXXX day was the following day. So the transfer was supposed to be taken out of XXXX on the XXXX and deposited in my XXXX  XXXX XXXX account on the XXXX. I checked on the XXXX and the money was gone from my river account. I waited for day 's for the money to appear in my XXXX XXXX XXXX account. This didn't happen. 

I was informed on the XXXX, days after the transfer should have been finished, that my account was closed and that they would contact me in XXXX day 's ( would have been the XXXX ). I responded to just send the money back to my XXXX account since they failed the XXXX  XXXX XXXX transfer. They responded saying that it would go to the original funding sources on XX/XX/XXXX. This is XXXX  day 's after I attempted to withdraw the money myself. 

This is the problem. They have given me a day that I will get my own money back, but it's XXXX day 's after I should have received it. 

I have broken no terms of agreement, and none of my activities are unusual. Also they have verified my identity and I was obviously eligible for an account since I had XXXX for months before they closed it, seemingly for trying to withdraw my funds. These are the reasons they gave to me on why my account was closed. 

I have done nothing wrong except attempting to withdraw my funds. These funds should not be frozen and should be returned to me immediately. They can keep the account closed. I will be warning everyone of their practices and wouldn't be doing business with them if it was open anyway.

Company response to consumer: Closed with explanation