vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I disputed a collection account and submitted a XXXX of XXXX request to XXXX via certified mail on XX/XX/year>. XXXX marked the account as verified but failed to provide the method of verification within the required timeframe. No documentation, no description of the verification process, and no information regarding who was contacted or what records were used has been provided. I also disputed the account with the collection agency, XXXX XXXX XXXX of CA, and requested validation. Proper documentation has not been provided. This raises serious concerns that the account was verified without a reasonable investigation, in violation of the Fair Credit Reporting Act. I have retained proof of delivery and all correspondence. I am requesting that this account be deleted from my credit report due to failure to properly investigate and validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
on XXXX our bank account was charged {$340.00} by " XXXX XXXX '' for " XXXX Annual ''. XXXX ( beneficial ownership information report ) is a XXXX time report, which we filed in XXXX. THERE IS NO ABBUAL REPORT OR RENEWAL requirement. We attempted to contact the vendor on XX/XX/XXXX via email ( or only way ) but had no response. We notified the bank XX/XX/XXXX and filed a dispute. The response on XX/XX/XXXX was a form letter stating that " we have concluded our investihation .. '' and determined that this was authorized by the account holder ( me ). It also adds that I have the right to request copies of any document wwe usewd in our investigation ''. The response from the bank on XXXX has been identical to the one before. But no documentation to support their rejection. XXXX I followed up and got the same repornse form on XXXX. Same on XXXX when I submitted a dispute through the local bank branch. Last attempt was in a phone call with supervisor XXXX on XX/XX/XXXX when she did submitted and internal email asking for the supported documents and promised answer with XXXX weeks. Nothing happened since.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction on my bank account that occurred on XX/XX/XXXX at approximately XXXX XXXX. This transaction involved an attempt to withdraw or transfer approximately {$4000.00} from my account. I immediately reported this transaction as fraudulent, as I was at work at the time ( my work hours are XXXX XXXX to XXXX XXXX, Monday through Friday, except Wednesdays and Thursdays ). I have documentation to prove I was physically at work during the time of the transaction. Despite this, the bank conducted an investigation and concluded that the transaction was authorized by me. I strongly dispute this finding. I requested details regarding how this determination was made, but I have not been provided with sufficient evidence or explanation. Based on my understanding, the bank has failed to conduct a reasonable and thorough investigation as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I am requesting the following : 1. A full and detailed explanation of how the bank concluded that this transaction was authorized 2. Copies of any evidence used in their investigation ( including device, IP address, or authentication data ) 3. Reimbursement of the {$4000.00} that was fraudulently taken from my account 4. A reinvestigation of this matter in compliance with federal consumer protection laws This situation has caused significant financial stress, and I expect this matter to be handled properly and promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a business a personal platinum card with Amex have had a good standing account since XXXX. In the recent months my balance went higher than previous years, the payments were always made some were minimum balance others were higher. Recently I paid off both accounts and have a XXXX balance. They proceeded to lower my credit limit then place my cards on hold and they are now requesting all of my financials and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am filing this complaint regarding my Chime account, which has been improperly restricted and deemed non-compliant despite my full cooperation and verification. On or around XX/XX/2026, I was notified that my account required verification. I promptly completed full identity verification, including submitting my government-issued ID, passport, and supporting financial documentation such as account statements. After submission, I was informed my case was escalated to a back-office review team. Since that time, I have made multiple follow-up attempts via phone and email. Each time, I am told the matter is escalated, but I am not provided any direct contact, timeline, or meaningful update. On XX/XX/2026, I received a notice stating my account was not in compliance with internal policies. This notice appears to contradict the fact that I had already completed all requested verification steps prior to receiving that message. My account contains funds from legitimate sources, including peer-to-peer transfers, reimbursement payments, and small business-related activity. I have provided supporting documentation reflecting this activity. Despite my compliance, Chime has failed to : Provide a clear explanation for the restriction Confirm the status of my verification Provide access to my funds Offer a resolution timeline As of today, I am being denied access to my account and funds without proper justification or communication. This lack of transparency and failure to resolve the issue in a timely manner is unacceptable. I am requesting immediate review of my account, restoration of access, and release of my funds. If the account is to remain closed, I request a full written explanation and prompt disbursement of all remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an unresolved XXXX deposit to my Coinbase account. On XX/XX/year>, I sent XXXX from my personal XXXX account to my personal Coinbase account. The transaction was successfully completed on the blockchain, but the funds were not credited to my Coinbase account because a Destination Tag was not included. I have since contacted Coinbase multiple times and provided all requested documentation, including proof of ownership of the sending account. Coinbase confirmed that my documentation is sufficient to verify ownership. Despite this, the funds have not been credited, and I have not received any clear resolution timeline. I also submitted a formal complaint ( # XXXX ), but I have not received a meaningful response. This issue has now been pending for over six weeks, and I am requesting that Coinbase manually credit the funds to my account, as they are already in XXXX possession. I am seeking assistance to resolve this matter and recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
Deposit of my disability check was XX/XX/year> and I have been denied access to my funds this month again after last month having to go through this process of my account being locked and my funds unaccessible. I called everyday since and have been given the run around after submitting documents they needed such as my state issued id and social security card and marriage license and proof of residence. These were the same documents submitted last month when I had trouble accessing my funds for the month of 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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A wire transfer to my business, XXXX XXXX XXXX XXXX, was interrupted after the senders bank, Bank of America, flagged the business address during an internal review. The bank communicated language suggesting the address was associated with a scam list, despite no evidence of fraudulent activity and no adverse history for the business. This resulted in disruption of a legitimate {$7000.00} transaction and has raised concern that inaccurate or unverified internal flags may negatively impact my business within the banking system. My business is a legally registered entity with a valid EIN and operates in good standing.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I made a purchase through XXXX. XXXX had to do a partial refund chime said that they didnt receive the money and that I have to wait XXXX more days before I can get my money when its already been XXXX days and the charge is already cleared from XXXX XXXX but I still have to wait XXXX more days to get my money so a total of XXXX days to get my money back and they did not state that in their policy once a charge clears that I didnt have to wait XXXX more days to get the money back so I was lied to and misled and it was false advertisement because it nowhere in a policy. Does it state that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting and failure to properly respond to my request for information on a Capital One account. The account in question has a credit limit of {$3000.00}, yet is currently being reported on my XXXX credit report as : Account charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/year>. I contacted Capital One to request clarification on whether this debt was canceled and whether a Form 1099-C had been issued. Instead of addressing my request, Capital One responded with unrelated information regarding a security deposit and stated that 1099 forms are not issued for non-interest bearing accounts. This response does not relate to my inquiry or the charged-off balance. My concerns are as follows : 1. The reported balance of {$24000.00} significantly exceeds the original credit limit of {$3000.00} and has not been substantiated with any itemized accounting of interest, fees, or charges. 2. Capital One has failed to provide a clear answer as to whether this debt has been canceled, remains legally owed, or whether a Form 1099-C has been or will be issued. 3. The company failed to properly investigate or respond to my request and instead provided a generic and irrelevant response. I am requesting that Capital One : - Provide a complete, itemized accounting supporting the reported balance - Clarify the legal status of the debt - Correct or delete any inaccurate information being reported to the credit bureaus If Capital One is unable to substantiate the reported balance and status, this account should be removed from my credit report in accordance with the Fair Credit Reporting Act. I am seeking a fair resolution and accurate reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing a formal regulatory complaint requesting immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) against JEFFERSON CAPITAL SYSTEM for their systemic, willful, and ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ). For over 12 months, I have repeatedly submitted detailed disputes regarding a materially inaccurate and unverifiable tradeline being reported on my consumer credit file. Each dispute included clear and compelling documentary evidence demonstrating the inaccuracy of the account. Despite this, JEFFERSON CAPITAL SYSTEM ] has willfully failed to conduct a reasonable reinvestigation as required by federal law. Instead, they have relied on a superficial, automated verification processbelieved to be conducted through the e-OSCAR systemresulting in repeated, blind verifications of the disputed account without any meaningful human review or substantive evaluation of the evidence provided. This pattern of conduct constitutes a direct and knowing violation of federal law and binding legal precedent, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which explicitly prohibits furnishers and consumer reporting agencies from relying on cursory or automated procedures in lieu of a genuine reinvestigation. In good faith, and in an effort to avoid formal arbitration and federal litigation, I served JEFFERSON CAPITAL SYSTEMs Legal Department with a Pre-Arbitration Settlement Demand, providing a 15-day opportunity to cure these violations by deleting the inaccurate tradeline. They have deliberately ignored this demand. As a result, JEFFERSON CAPITAL SYSTEM continues to publish and disseminate false, incomplete, and highly damaging information about me to third parties, causing ongoing financial harm, reputational damage, and unlawful suppression of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting for an account listed under Santander Consumer USA. After reviewing my credit report, I identified that this account is being reported with serious inconsistencies and missing required information. Specifically : The Date of First Delinquency is not clearly or properly reported The account status is being reported inconsistently as delinquent/charged-off while still reflecting a balance Full and complete payment history has not been provided Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, complete, and verifiable. I previously disputed this account with the credit bureaus, and it was marked as verified without providing adequate documentation or method of verification. I am requesting : A full and proper investigation into this account Documentation showing how this account was verified Correction of all inaccurate or incomplete reporting Immediate deletion of the account if it can not be verified in full compliance with FCRA requirements This inaccurate reporting is negatively impacting my creditworthiness and ability to access financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I called my mortgage company AmeriHome Mortgage on XXXX about why my monthly XXXX payment did not take out my account. I was told because it takes XXXX business days for it to process. Then come Thursday morning ( which is a new month ) I receive a phone call stating that my account is XXXX weeks late. I had proof that the {$2000.00} were in my account! I was not told this information the previous days before and now my account is in bad standings and they are not helping me whatsoever because of THEIR MISTAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Fraudulent account opened without my authorization or knowledge. Provided valid documentation requested from the reporting agency to stop the collection of this debt. I am a victim of identity theft and wish to have this attempt to collect stopped immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NY

Complaint narrative:
This account was open fraudulently, I have no knowledge of this account. My information was stolen. The balance was XXXX. The person paid off XXXX % which left the debt of XXXX. It was opened XXXX XXXX. I have been fighting for the removal since then

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Radius Global Solutions. This account was reported on XX/XX/year>, with a balance of {$2700.00}. I previously disputed this account, and it is currently marked as account information disputed by consumer. However, I do not believe that a proper investigation has been conducted, as I have not received sufficient documentation verifying this debt. I requested that the company provide documentation to verify the accuracy of this account, including proof that the debt belongs to me, the original creditor information, a full account history, and documentation showing the company has the legal authority to collect and report this debt. To date, I have not received adequate verification. I am requesting that the company conduct a proper investigation and provide the requested documentation. If the account can not be verified, it should be removed from 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 non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I am filing a complaint regarding a transaction processed through Cash App in the amount of {$720.00} that was sent from my checking account to an unintended recipient due to a user error. Immediately after realizing the mistake, I contacted Cash App support to request assistance in recovering the funds. I was informed that nothing could be done and that I would need to rely on the recipient to return the funds voluntarily. However, after reviewing Cash Apps Terms of Service, specifically Sections 9 and 10 related to peer-to-peer payments and error resolution, it appears that the company retains the ability to review, investigate, and potentially intervene in transaction-related issues under certain circumstances. Despite this, Cash App has refused to escalate or meaningfully review my case. Given the amount involved and the clear nature of this as an unintended transfer, I am requesting : A formal review and escalation of this transaction Any available intervention to contact the recipient or recover the funds Clarification on why discretionary intervention was not exercised in this case Consumers should not be left without recourse in situations involving clear payment errors, especially when the platform acknowledges the ability to investigate or intervene. I am requesting that Cash App take reasonable steps to assist in resolving this matter. If no resolution is provided, I will be forced to explore additional dispute options through my financial institution and other regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Early XXXX XXXX around the XXXX I woke up and my bank account was overdrawn by {$1200.00} and all the charges were from PayPal up to {$1000.00}. I immediately called Paypal and asked them to cancel these transactions that there had been fraud on my account when I went to these transactions I wasnt offered the option of canceling them at all, and you usually are offered that option so there was no way for me to do it on my end, but I called immediately and they had XXXX days to do it on their end and they never canceled it after I repeatedly and vehemently told them I didnt know the man that I supposedly transferred money to if I transferred him money why would I cancel it in the morning that makes no sense these transactions happened overnight beginning with {$10.00} than {$100.00} than {$1000.00} then XXXX more dollars than XXXX more dollars it was an obvious scam. They did nothing to intercede absolutely nothing. Theyre claiming that a security measure was passed, so theyre basically implying that they were provided information via my cell phone. Thats an outright lie. I always have my phone with me. It happened during the night when my husband and I are sleeping my phone is right next to me and theres nothing from Paypal on my phone so thats just a blatant lie. I had to block them from accessing my bank account because the XXXX dollar amount was returned. NSF so they sent me an email the other day saying make sure you have plenty of money in your account because were gon na come back in XXXX days and try to take this XXXX dollars again I have been arguing and fighting and sending emails for a week and Ive gotten nowhere with them. they are not protecting me from theft and I dont think they should be holding me up for {$1200.00}. Thats insane.

Company response to consumer: Closed with non-monetary relief