vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I woke up to find an account hold of about {$850.00}, completely claiming all of the money in my Chase checking and savings accounts. Under New York State law, this amount should be exempt because it is significantly lower than the {$3600.00} automatic exemption threshold. I was also given no prior warning to this occurence. This was also done before putting my account into overdraft from a purchase I made the night before. I requested form CPLR 5222-a from both the Chase legal team on the phone, who refused to escalate me to superiors, and in the XXXX XXXX XXXX XXXX XXXX I was told by both the branch manager and a representative at approximately XXXX that the only way to handle the levy is by contacting the garnisher. I was also declined any sort of statement stating that they failed to provide me with the exemption form, with the reason being that the representatives couldd not produce any forms on behalf of chase beyond receipts, and that I was not supposed to be warned of the levy. The mailed letter stating that I am being levied was sent the same day that the levy happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to request assistance and regulatory review regarding ongoing inaccuracies on my consumer credit reports that remain unresolved despite repeated disputes. I am a victim of identity theft that I believe resulted from large-scale data breaches involving Equifax and TransUnion, during which sensitive consumer information was exposed. As a result of this compromised data, my personal identifying information has been misused without my authorization. Since discovering these issues, I have : Filed multiple disputes directly with the consumer reporting agencies Contacted the furnishers of the disputed accounts Submitted follow-up correspondence and documentation Allowed sufficient time for investigation and correction Despite these efforts, several inaccurate and unauthorized accounts, collections, and credit inquiries continue to appear on my credit reports. These items do not belong to me, were not opened or authorized by me, and are consistent with identity-theft-related fraud. The companies involved have either : Failed to conduct a reasonable investigation Verified inaccurate information without providing validation Failed to remove or correct disputed items within the timeframes required by law This ongoing failure has caused continued harm to my creditworthiness, financial opportunities, and personal security. I believe these actions constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to ensure maximum possible accuracy Failure to reasonably investigate disputes Failure to correct or delete unverifiable information I respectfully request that the CFPB : Review my complaint and supporting documentation Require the consumer reporting agencies and furnishers to properly investigate Ensure removal of all inaccurate, fraudulent, or unverifiable accounts and inquiries Enforce compliance with applicable federal consumer protection laws I am submitting this complaint in good faith and am prepared to provide any additional documentation needed to support my claims. Thank you for your time and assistance in this matter.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to request assistance and regulatory review regarding ongoing inaccuracies on my consumer credit reports that remain unresolved despite repeated disputes. I am a victim of identity theft that I believe resulted from large-scale data breaches involving Equifax and TransUnion, during which sensitive consumer information was exposed. As a result of this compromised data, my personal identifying information has been misused without my authorization. Since discovering these issues, I have : Filed multiple disputes directly with the consumer reporting agencies Contacted the furnishers of the disputed accounts Submitted follow-up correspondence and documentation Allowed sufficient time for investigation and correction Despite these efforts, several inaccurate and unauthorized accounts, collections, and credit inquiries continue to appear on my credit reports. These items do not belong to me, were not opened or authorized by me, and are consistent with identity-theft-related fraud. The companies involved have either : Failed to conduct a reasonable investigation Verified inaccurate information without providing validation Failed to remove or correct disputed items within the timeframes required by law This ongoing failure has caused continued harm to my creditworthiness, financial opportunities, and personal security. I believe these actions constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to ensure maximum possible accuracy Failure to reasonably investigate disputes Failure to correct or delete unverifiable information I respectfully request that the CFPB : Review my complaint and supporting documentation Require the consumer reporting agencies and furnishers to properly investigate Ensure removal of all inaccurate, fraudulent, or unverifiable accounts and inquiries Enforce compliance with applicable federal consumer protection laws I am submitting this complaint in good faith and am prepared to provide any additional documentation needed to support my claims. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX PayPal froze my money and closed account with my tax refund money in it the which was deposited XXXX restricted my account when I woke up I saw it sent information requested from the resolution dept then they closed account froze my money saying I have to wait 120 before I can get it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
On XX/XX/2026, I sent a written request for debt validation to the collection agency regarding an alleged debt they claim I owe. This request was made within the legally required timeframe after their initial communication. In response, the company failed to provide adequate validation of the debt. Specifically, they did not provide : * A copy of a signed contract or agreement bearing my signature * A complete account history showing how the balance was calculated * Proof that they have the legal authority to collect this debt * Verification that the debt is accurate and belongs to me Instead, I received no response at all, which does not meet the legal requirements for proper debt validation under federal law. Despite my request, the company has continued collection efforts, including calls and credit reporting. This behavior is a violation of the FDCPA, which requires collection activity to cease until proper validation is provided. Additionally, this account has been reported to credit reporting agencies without proper verification, which may also violate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> i tried to log into my account but it say access blocked and to call. So i called and they sent me to fraud department and say it under review and its nothing i can do about it.. i have a child to take care of thats how my mom and family send money to help me out. I current have XXXX on there since yesterday because i got a notification that tell me my amount daily. They said i just have to wait for mail or call but this is crazy.

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 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
I am submitting a complaint regarding lease-end charges assessed by Nissan Motor Acceptance Company ( NMAC ) in connection with a vehicle lease handled through XXXX XXXX XXXX At the end of my lease, my vehicle underwent a wear and tear inspection, which indicated that it was returned within acceptable standards. Based on this, I did not expect to incur additional charges. Prior to returning the vehicle, I spoke with a leasing representative and was clearly informed that I would not be penalized at lease-end. I relied on this representation when deciding to return the vehicle early. However, I was subsequently billed for additional charges, including an unsatisfied contract obligation. The amount being charged does not align with or equal the remaining payments on my lease, and no clear explanation or calculation has been provided to justify this charge. At no point during the lease-end process was I informed that I would be responsible for additional payments. Had this been disclosed, I would not have returned the vehicle early. Despite requesting clarification, I have not received a complete, itemized breakdown or sufficient documentation supporting these charges. I believe this situation reflects a lack of transparency and potentially unfair or deceptive billing practices. Desired Resolution : * A full, itemized breakdown of all charges * A clear explanation of how the unsatisfied contract obligation was calculated * Removal or correction of any unsupported or improperly assessed charges * Confirmation that my account is accurate and not subject to improper billing I am seeking a fair resolution and accountability based on the facts outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I am submitting a follow-up complaint regarding ongoing concerns with Genesis related to this debt. In my prior complaint, I disputed this account and raised concerns regarding settlement discussions, including issues surrounding a prior offer that was not honored despite my communication in advance regarding my intent and timing. Following that complaint, Genesis agreed to a settlement amount of {$3400.00}. While I am still attempting to resolve this matter responsibly and had been seeking a lower settlement closer to {$2500.00} ( approximately XXXX XXXX of the original debt ), my primary concern is the manner in which recent collection negotiations were handled. Recently, yesterday I was contacted again and pressured into making an immediate payment decision under highly time-sensitive settlement tactics. Initially, I was told I had until XX/XX/XXXX to accept a settlement offer of {$3400.00}. During that same interaction, after being placed on hold, I was then presented with a new final offer of {$2900.00} and told I had only XXXX minutes to make payment. I explicitly requested at least XXXX hours to review this major financial decision and asked for formal written documentation clearly outlining the settlement terms, including whether the offered amount would fully settle the debt and whether any remaining balance would be forgiven. My request was refused, and I was instead pressured to make an immediate payment decision without sufficient written documentation. Despite requesting transparency, I did not receive clear written settlement documentation before being pressured to pay. I am concerned that I was being pushed to make a significant financial decision without adequate written validation, sufficient review time, or transparent settlement terms. My concerns include : XXXX. High-pressure collection tactics using artificial urgency XXXX. Failure or refusal to provide clear written settlement details before payment XXXX. Lack of transparency regarding whether payment would satisfy the debt in full XXXX. Potentially unfair or misleading collection practice I am requesting : - Full written validation of the debt - Written settlement terms clearly stating whether any proposed amount resolves the account in full - Confirmation that any settlement offer includes full clarity on remaining balance obligations- Written communication for all future settlement or payment negotiations I want to pay this account and settle my balance with Genesis, I have saved {$2500.00} which is available right now and ready to pay out of good faith, I only want a documented email indicating our settlement details and I can make the payment on the phone with them itself. I am only seeking fair, transparent, and compliant debt collection practices so I can make informed financial decisions without coercive pressure from Genesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: NY

Complaint narrative:
On XX/XX/year> our flight on XXXX XXXX XXXX was cancelled due to snow storm. A second flight was cancelled the following day. We booked the flight with Frequent XXXX XXXX ( not credit card or cash ). During our next attempt to rebook with XXXX XXXX XXXX ( " XXXX '' ) while holding for a representative, a XXXX XXXX got on the line and introduced himself as the XXXX representative. He said that since we were using Frequent Flyer Miles ( " FFM '' ) we would be required to first post a " shadow credit card charge for the full price of the flight and when the tickets were issued those credit card charges would be cancelled and refunded and the payment would reverse to the FFM and that was the only manner in which it could be done ''. He said the refund/cancellation would be completed XXXX. We completed the transaction. I was then contacted by CitiCard to confirm ( and dispute ) a {$10000.00} charge from XXXX in XXXX, XXXX. I now realized I was a victim of Call Interruption Scam. I called XXXX and they confirmed that they did not know of XXXX or XXXX XXXX and that neither XXXX or ( upon my investigation ) other aiders and abbetors ie. XXXX XXXX, an XXXX XXXX had any authority whatsoever to act on their behalf. I disputed the charge with CitiCard. Citicard said it was legitimate. I asked for the documentation that was submitted by the vendor that their decision was based upon. They never responded. I have tried to appeal but have been sent on a run around. The public opinion has expressed general frustration with Citibank in relation to dispute resolutoions. I have filed a complaint with the FTC as well. Except by use of FFM I could not otherwise afford to pay for the flight. It seems Citibank is turning a deaf ear to a patently fraudulent scheme. XXXX is just the billing proxy. It is XXXX XXXX XXXX ( XXXX XXXX ) and its agent XXXX that are perpetuating this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
Complaint Title : Missing Down Payment Credit / Incorrect Auto Loan Balance Dealer Fraud Investigation I am filing a formal complaint regarding an auto loan account that appears to reflect an incorrect principal balance due to a missing down payment credit of {$6000.00} made at the time of vehicle purchase. On or about XX/XX/year> I purchased a XXXX vehicle in XXXX through a licensed dealership. At the time of purchase, I made a {$6000.00} down payment, which was part of the agreed sales transaction. However, I have recently discovered that the lenders payoff statement and loan records do not reflect this down payment being applied to the loan. I contacted the loan servicer/lender to request clarification of my payoff amount after the vehicle was declared a total loss through a XXXX rental claim. The lender advised me that the current payoff balance is approximately {$17000.00} and stated they have no record of receiving or applying the {$6000.00} down payment. The dealership that facilitated this transaction has reportedly been shut down due to fraudulent activity, which raises serious concerns that my down payment was either not properly transmitted to the lender or was misrepresented in the financing documents. I am requesting the following : XXXX.A full investigation into the loan funding file, including all dealer remittance records XXXXWritten documentation showing how the {$6000.00} down payment was applied XXXXA corrected loan balance and payoff statement reflecting the accurate financed amount XXXXIdentification of any discrepancies between the retail sales contract and lender funding documents XXXXIf fraud or misapplication occurred, appropriate correction of the loan and/or restitution This issue is time-sensitive due to an active insurance/Turo total loss claim, and failure to resolve the accurate payoff amount may result in financial harm. I am requesting a formal response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX against Chase BankXXXXI am filing this complaint regarding the funds that are currently being held in my wifes bank account.\n\nA deposit of approximately $6,600 (tax refund funds) issued in my name was placed on hold due to a suspected fraud alert. The funds were deposited into my wifes account, and the debit card used belongs to her, XXXX XXXX XXXX We are legally married, and both of us have been present and willing to verify our identities.\n\nDespite this, Chase Bank has refused to release the funds and requires phone verification where my caller ID name must appear when they call me. This requirement is technically unreasonable because caller ID name (CNAM) is controlled by telecom providers and cannot be immediately updated or guaranteed by the customer. Even after ensuring that my phone number is visible and not marked as private, the bank refuses to proceed because my name does not appear.\n\nWe have visited a physical branch in person, presented identification, and requested assistance. However, we were told that this issue can only be resolved by phone. At the same time, phone verification is effectively impossible due to the caller ID name limitation. This creates a situation where we are unable to verify our identities through any available method.\n\nAdditionally, these funds have now been held for more than one year, which is an excessive and unreasonable amount of time without a proper resolution.\n\nI am requesting:\n\n1. A reasonable alternative method of identity verification, including in-person verification.\n2. Immediate review and release of the XXXX in funds if our identities are confirmed.\n3. Escalation of this case to the appropriate fraud or compliance department.\n\nThis situation is causing financial hardship and represents an unreasonable barrier to accessing these funds.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My credit card limit $ XXXX, I wanted to improve my credit score via utilization so I payed the Apple card down to {$1600.00}. I also inquired about SCRA benefits, I noticed my limit was taken down to {$1600.00} two days later. I asked Goldman Sachs why they are balance chasing me and if they would do it again. They didnt answer the question. One month later I payed the card down to {$1200.00} and unsurprisingly they balance chased me again down to {$1300.00}. Their actions make paying the balance useless and counter productive, and Im certain they are doing so out of retaliation for my recent inquiries. Our relationship and my treatment remained consistent up until XXXX XX/XX/year>. Also in XXXX they issued a new credit card to an old address, I returned the card and they sent a new one.

Company response to consumer: Closed with explanation