vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This complaint concerns XXXX failure to conduct a reasonable reinvestigation of a disputed collection account and its continued reporting of information that has not been adequately verified. Furnisher : XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX XXXX ) Original Creditor : XXXX XXXX, XXXX. ( XXXX ) Balance Reported : Approximately $ XXXX : XXXX XXXX XXXX formerly XXXX XXXX XXXX I disputed this account with TransUnion, requesting that the accuracy of the information be investigated. TransUnion subsequently reported that the account was verified as accurate. However, TransUnion did not provide any documentation or explanation demonstrating how the information was verified or what evidence was reviewed. When I contacted TransUnion directly to request clarification, representatives were unable to identify any records reviewed during the investigation and indicated they could only see information provided by the creditor. This suggests the investigation relied solely on automated confirmation from the furnisher rather than an independent review of relevant information. TransUnion representatives provided inconsistent explanations regarding the status and outcome of the investigation. At one point I was informed that the dispute was still under review, yet the account was marked verified before the stated completion date. These inconsistencies raise concerns about whether a meaningful reinvestigation was conducted. Despite the lack of documentation and unresolved concerns, TransUnion continues to report this account as accurate on my credit file. This continued reporting has negatively affected my credit profile, including significant score fluctuations and difficulty obtaining credit. I requested information regarding the procedures used to verify the account, including what records were reviewed and how accuracy was determined. No substantive explanation has been provided.

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 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$3100.00} in cash at a Chase Bank ATM located at XXXX XXXX XXXX, XXXX, NY XXXX. The ATM malfunctioned during the process. I immediately contacted customer service, and the bank issued a Provisional Credit of {$3100.00} to my account pending an investigation. On XX/XX/year>, the bank sent a notice stating they would reverse {$980.00} of that credit on XX/XX/XXXX, claiming they did not find a cash surplus of that amount in the machine. I immediately contested this finding and requested a re-investigation. On XX/XX/year>, the bank provided a final response, maintaining their original decision to deny the {$980.00} portion of my deposit. I strongly dispute the bank 's conclusion. I am certain of the amount I deposited, and the ATM 's malfunction directly caused this discrepancy. To date, the bank has failed to provide any " Evidence Package '' or ATM " Out of Balance '' reports to justify the reversal of my funds. Furthermore, I have repeatedly requested the bank to review the surveillance footage for the time of the incident. I am concerned that due to the ATM malfunction, some of my cash may have been ejected or left accessible after I was forced to leave the machine, potentially allowing a subsequent customer to take the funds. The bank has refused to investigate the video evidence or provide any proof that the ATM successfully secured all of my deposited cash into the internal cassette. I believe a thorough review of the video would confirm my deposit amount and show whether the funds were compromised due to the machine 's failure. To attest to the validity of my claim, I have filed an official report with the XXXX XXXX Police Department ( Police Report Case # XXXX ). Under Regulation E ( 12 CFR 1005.11 ), the bank must conduct a thorough and transparent investigation. I am requesting the CFPB to compel Chase Bank to provide the ATM 's physical audit logs and to permanently restore the {$980.00} to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing this complaint because Capital One is reporting two charged-off accounts on my credit report that I dispute and that have not been properly validated. The accounts show balances of {$480.00} and {$140.00} and continue to be reported as charge-offs. I have disputed these accounts, yet they remain without Capital One providing competent evidence that I am legally obligated for these debts. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), a reasonable investigation is required when a consumer disputes information. Simply marking an account as verified without providing documentation does not satisfy this requirement. Additionally, 15 U.S.C. 1681e ( b ) requires maximum possible accuracy in credit reporting. Reporting unverified information violates this law. Further, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am entitled to proper validation of any alleged debt, including proof of contractual obligation. If Capital One can not produce documentation proving I am legally responsible for these accounts, they must be deleted immediately. I am requesting that the CFPB require Capital One and the credit reporting agencies to either provide proper legal validation or remove these accounts from my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I tried purchasing products from XXXX and the scammer charged me {$350.00} & {$350.00} and then blocked me! Now the user does not respond back to me neither has shipped the product. I just need my refund and do not want anything to do with the product from this scammer.

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 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: OR

Complaint narrative:
I am filing this complaint against I.Q. Data XXXX XXXX XXXX ( debt collector ) regarding an alleged {$2100.00} debt from a XXXX XXXX, Oregon apartment ( property damage/move-out charges ). In XXXX, I was involved in a XXXX XXXX XXXX that forced me to move out suddenly. I verbally notified the property management about the incident at the time, explaining that the damage ( e.g., destroyed doors ) was caused by the XXXX, not me. Under Oregon law ( including protections for XXXX XXXX XXXX in ORS XXXX ), I should not be held liable for XXXX damage, but the property still sent the bill to collections with I.Q. Data. I initially tried to fight this with a lawyer but decided to settle directly with I.Q. Data because I urgently need to secure a new apartment and can not wait months for disputes or legal processes. I have been in a difficult financial situation since the XXXX incident and can not afford the full amount. During recent phone calls ( XX/XX/XXXX at XXXX, I explained my hardship and offered a reasonable lump-sum settlement of {$1000.00} to resolve the debt quickly and close the account in full. The representatives became upset and aggressive when I made this offer and when I requested written documentation/settlement agreement ( including itemized breakdown of charges, confirmation of " paid in full/settled, '' and credit reporting details ) before paying anything. They : Called me names and used rude/abusive language. Threatened that I would have to pay more if I didn't accept their terms immediately. Refused to provide any written agreement or confirmation. Abruptly hung up on me when I insisted on written terms ( which is my right under the FDCPA to ensure clear communication and protect against misunderstandings ). This behavior feels harassing, unfair, and in violation of the Fair Debt Collection Practices Act ( FDCPA ), including prohibitions on abusive language, threats, and failure to communicate properly. I have attempted to resolve this amicably but was met with hostility instead of cooperation. I request that the CFPB forward this to I.Q. Data and require them to : Provide full debt validation in writing ( itemized charges, proof of liability ). Cease aggressive phone contact. Offer a reasonable settlement in writing ( I remain willing to pay {$1000.00} lump sum if documented properly ). Update/remove the collection from my credit reports if invalid or settled. I have notes from the calls ( dates, what was said ) and can provide more details if needed. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Hi, I am requesting assistance regarding a refund owed to me following an approved Borrower Defense to Repayment discharge. My federal student loans were discharged under Borrower Defense, and my servicer, Aidvantage, now reflects the loans as paid in full with a negative balance. Based on guidance from Federal Student Aid, this negative balance represents payments I made that are eligible for refund. Despite the discharge being completed and the negative balance showing on my account, I have not received my refund, nor have I been provided with a clear timeline for when the refund will be issued or submitted to the U.S. Treasury. I have contacted Aidvantage for clarification but have not received a definitive resolution. I am requesting assistance to : Confirm that my refund is approved and pending Determine whether Aidvantage has submitted my refund information to Federal Student Aid and the U.S. Treasury Help facilitate the release of my refund, if it has been delayed Please let me know if any additional documentation is required from me. My contact and loan information are als available in my Federal Student Aid account. Thank you for your time and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
The moment my federal tax refund hit the account that I put on my federal tax return for my money to be direct deposited in, the account froze and was wrongfully permanently limited with my {$8800.00} in the account and was made to where I couldnt access it. The account was my XXXX account which we have done last year and had no problems with this and the reason being of why I put this is because she manages all of our finances ( bills ) and I also put my weekly checks into her account to be managed by her. We provided PayPal with all the documents from proof of address with both of our names, drivers licenses, social security cards and tax documents. But still they refuse the lift the limitation and are making us wait up to XXXX days ( XXXX months ) before we are able to access our funds when we are in dire need of the funds, we have XXXX kids, rent and a lot of bills that need to be caught up on to avoid our car from being towed also we need groceries, XXXX the only XXXX in the house working at the moment because we cant afford to put our XXXX XXXX XXXX in daycare so my XXXX can get a job. We really need this resolved as quickly as possibly, this is very urgent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I was in a Forbearance with my mortgage company, Round point Mortgage. By XXXX, I made my payment and my work has an assistance program where they paid for the 1 month I was behind. So my account should have been brought currant. Its not. I was told I never made a payment. Neither did my work. I was told I have to get proof of payment from my bank with account number, trace number and a letter basically saying it left my account of this day in this amount. So I did. I also asked my work to provide their information details ( I am still working on this, but they did in fact make the payment ) And nothing has been applied to my account. I sent all the information that was asked of me regarding my bank account and payment. I am working with the employee assistance program to get proof of payment as well. I paid XXXX on XX/XX/XXXX and my company I belive paid the remaining XXXX ( and some odd change ) in XXXX as well. While I was on the phone with the company, despite me saying all of this, they still wanted me to make a payment. I should never have been asked that a few different times. As of now, my account should be current, now there is 2 missing payments that has not been applied to my account. I have my next months payment processed to go through and now I'm very afraid they will lose that one too. This needs to be fixed. I have been back and forth with this company for months with various things and now my payments are simply not being applied to my account and I'm still asked to make a payment. I have also received a bill from them, requesting XXXX due by XX/XX/year>. I made 2 payments already and the XXXX one is due to go out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently added my mother as a joint holder to my checking account. Shortly after, capital one put a hold on my account and I am unable to access the funds in my account. The bank is requiring my mother to visit a branch in person before the hold is lifted. She is currently overseas and will not be back in the country until XXXX. Until the hold is lifted, the bank is refusing me access to {$5600.00} that I currently have in my account. I asked them to close the account, but they are refusing to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from PayPal We're no longer offering PayPal services for this account without any reason and explanation. Besides, PayPal doesnt allow me to close account or delete my information from their system. I chatted with PayPal agent on XX/XX/XXXX, and they refuse to provide any information nor close my account/delete my personal information. I further sent email to PayPal executive office and received reply from XXXX, PayPal Customer Solutions Support Specialist on XX/XX/XXXX. Although no help / assistance provided, I noticed they mistakenly treat my personal account as a business account. Im now worry about my personal information is mis classified and stored for other purposes so I reply back to either restore my account access so I can delete my account by my self or delete my account. However, no more reply from PayPal. I use PayPal once in a while with less than {$100.00} most of time. Really dont understand what behavior trigger the issue and refuse to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
My XXXX XXXX debt is being collected by XXXX XXXX. XXXX XXXX has locked me out of my account and communicating with them is basically impossible. XXXX tried to call various numbers XXXX times between XX/XX/year> til current with no luck of reaching a live representative. I havent missed a single payment from our agreed payment plan and the funds pull from my account every month. Being locked out of my account stops me from have account transparency, and prevents me from settling my debt. XXXX XXXX would not help either as they just route me back to 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 explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/year> cfpb order XXXX XXXX red dress on cash app block inc. unauthorized transaction in my account call a court order from XXXX XXXX XXXX with cfpb and block inc .I never received my red dress by you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
CFPB Complaint Affirm Company : Affirm Inc . Complaint : Affirm is reporting a XXXX delinquency and stating XXXX payment never received, which is inaccurate. I disputed this account and requested documentation supporting the reported delinquency, including proof of billing and due date notification. The company has failed to provide documentation substantiating this reporting. This constitutes violations of : 15 USC 1681s-2 ( b ) 15 USC 1681e ( b ) I request immediate deletion of the inaccurate delinquency and regulatory review of their reporting compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MI

Complaint narrative:
I am filing a complaint because Aldous & Associates PLLC has reported a {$3000.00} rental debt to my credit report that does not belong to me. This amount belongs to my daughter, XXXX XXXX, from a previous tenancy at Residences at XXXX XXXX XXXX. I have never owed this amount, was never billed for it, and did not receive any notice of any debt in my name. I, XXXX XXXX, was separately released early from my lease by the property management with no penalty, and I received my full security deposit refund. Under Michigan law ( MCL XXXX ), the landlord loses the right to claim damages or charges if no written notice is sent within XXXX days. No notice was ever sent because I had no balance due. My account with the property was fully closed. Despite this, Aldous & Associates incorrectly furnished my daughters debt to my credit file. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) failure to maintain reasonable procedures to ensure maximum accuracy FCRA 1681s-2 ( a ) furnishing information known or that should be known to be inaccurate FCRA 1681b impermissible use of my personal credit report Aldous & Associates never sent me any written notice of debt, validation letter, billing statement, collection letter, or explanation of any charges. I was not notified before they reported the debt to the credit bureaus. This also constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ), as they failed to provide a XXXX written validation notice. This inaccurate reporting has caused my XXXX XXXX to drop significantly. I have a perfect payment history with no late payments on my credit report, so this false derogatory mark has caused measurable financial harm. I am requesting the CFPB to require Aldous & Associates PLLC and Residences at XXXX XXXX XXXX to delete this inaccurate account from my credit report immediately and to provide written confirmation that the reporting has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am submitting a formal complaint regarding an erroneous ACH deposit connected to a tax refund disbursement processed through XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, an XXXX credit was sent to an incorrect account number at Citizens Bank due to a one-digit account entry error. I notified the involved institutions within XXXX hours and immediately requested an ACH recovery and investigation. Despite timely notification, Citizens Bank has refused to create a risk report, initiate an internal investigation, or provide documentation confirming whether the funds were deposited, returned, or remain recoverable. I have also been unable to obtain an ACH trace review or confirmation that proper ACH error-resolution procedures were followed. Because this was reported within the ACH recovery timeframe, the transaction qualifies as a time-sensitive erroneous entry under XXXX operating XXXX. The refusal to investigate or document actions prevents recovery efforts and leaves the status of my funds unknown. I am requesting regulatory assistance to require Citizens Bank to : XXXX. XXXX a formal XXXX investigation, XXXX. Generate and review an ACH trace, XXXX. Initiate or cooperate with an ACH recovery request if funds remain available, XXXX. Provide written documentation of all investigative actions taken. My goal is recovery of the funds and confirmation that proper ACH procedures and consumer protection obligations were followed.

Company response to consumer: Closed with monetary relief