vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am filing a complaint regarding a credit card application with U.S. Bank that I believe was not handled in a fair or consistent manner, particularly regarding identity verification and adverse action procedures. Timeline of events : * On or around XX/XX/XXXX : I submitted a credit card application. * A letter in the mail, with a letterhead date of XX/XX/XXXX, was received after that date stating " We have reason to believe the account will be used for fraud. No verification request was included in this letter. * XX/XX/XXXX : I spoke with a customer service representative who did not provide a clear reason for the denial beyond general statements. * XX/XX/XXXX : I spoke with a second representative who stated that letters were sent in the mail, both with a letterhead date of XX/XX/XXXX, including a fraud notice and a verification request. However, I only received the fraud letter and never received any request to verify my identity. XX/XX/XXXX is the first I was notified that there were two letters generatedboth as a fraud and verification letter. Issue : I was denied based on suspected fraud without being given a meaningful opportunity to verify my identity. If a verification request was sent, it was not received, and no alternative method ( phone, email, or online verification ) was offered before the application was closed. This raises concerns that : * The denial was finalized before I had a fair chance to respond. * The adverse action process may not have complied with requirements under the Equal Credit Opportunity Act, which requires clear and actionable reasons for denial. * I was not provided a reasonable opportunity to confirm my identity despite the bank indicating that such a step was part of the process.

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I need help with this Dept collection of werner I don't own this money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines , P.C . They are not the original creditors. They brought my debt from XXXX. They can not prove that I did any business with them The amount that they are suing for XXXX they had the sheriff department to come and serve me some papers, but I was not at home so my mother got the papers about them showing me they have all my personal information something that I did not give to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
CHASE BANK is not allowing me to open account. Keeps saying I owe or I have a debt. All debts were included in bankruptcy and is still being asked for, I have no balance. Bankruptcy XXXX. XXXX case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Copy and paste the exact text block below directly into that large, open text field on your screen : CFPB Consumer Complaint Total Fraudulent Balance Disputed : {$13000.00} USD Associated PayPal Case ID : XXXX I am formally disputing a negative balance of {$13000.00} that PayPal is holding me civilly liable for. I am the unwitting victim of a multi-jurisdictional triangulation fraud and money mule scheme orchestrated by a suspect identified to law enforcement as XXXX XXXX XXXX ( XXXX Passport # XXXX ). The suspect used a compromised or disputed third-party account under the name XXXX XXXX to deposit three separate {$4500.00} transfers into my account, which I immediately forwarded outside the platform via XXXX under fraudulent pretenses. I retained absolutely no financial benefit from these transactions. The sender 's financial institution initiated unauthorized reversals, and PayPal completed the final two chargebacks on XX/XX/year>. This has forced my account into a severe negative balance. This is a verified criminal matter actively under investigation by multiple law enforcement bodies : Local Law Enforcement : XXXX Police Department ( XXXX, FL ) Criminal Case # XXXX, handled by Officer XXXX. The detective bureau has actively accepted the case for criminal grand theft investigation. Federal Law Enforcement : FBI Internet Crime Complaint Center ( IC3 ) Official Submission ID : XXXX. I have provided PayPal with the official police case numbers, a copy of the suspect 's passport identity data, and the corresponding bank XXXX trails proving the pass-through nature of the funds. Despite acting entirely in good faith as a scam victim, PayPal continues to penalize me for their system exploit. I request that the CFPB compel PayPal to freeze all collection attempts, interest accruals, or negative credit reporting while law enforcement handles this criminal syndicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I am writing regarding my loan, which is currently 14 days past due. I understand that all three of my references were contacted today. However, I have not received any calls myself, despite both my cell phone and direct work extension being fully operational. As I already have a pre-payment set up for this account, she is completely harassing me. According to the laws, she can only call one person at a time. She called all 3 in one day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened up a case a while ago now and I submitted with you guys.. on your website it says its still pending when boa already closed the account .. even after telling them that I closed my cellphone plan and moved to another carrier because of the fraud and I was afraid it was gona continue .. talked to many different people on the phone and they all told me different things even with the provisional credit .. Im loading over XXXX XXXX XXXX cant pay my rent an they been nothing but giving me the round arounds .. now you guys fail to update me when they have closed over a week ago and no funds no nothing no explanation .. they used my phone that I lost to their will and I have done everything on my side to help and speed the process because its my hard earn money that they have taken away for 2 months now

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 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally notify you of your continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite my prior disputes and submission of all required documentation. I am a victim of identity theft. My credit report contains an inquiry that I did not authorize, open, or initiate. This item resulted from the compromise of my personal identifying information. I previously submitted formal disputes to your bureau along with the following documentation : Government-issued photo identification Social Security card Proof of current address FTC Identity Theft Report Despite receipt of this documentation, the following identity theftrelated items remain on my credit report : An unauthorized Inquiry : -XXXX XX/XX/XXXX In addition, on [ XX/XX/XXXX ], I submitted a formal dispute regarding inaccurate late payment remarks appearing on my credit report. The account disputed include : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # [ XXXX ] Late payment reported on [ XX/XX/XXXX ] In that dispute, I requested : A reasonable reinvestigation of the late payment remark ( s ) Proper verification and documentation supporting the derogatory reporting A description of the method of verification used, as required by FCRA 1681i As of today, more than 30 days have passed, and I have not received the results of any reinvestigation, a description of the method of verification, or written notice of the outcome. The inaccurate information remains unchanged on my credit report. Your failure to delete, block, or properly investigate these items constitutes violations of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide written notice and method of verification 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity theftrelated information 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy Under FCRA 1681c-2, identity theftrelated inquiries must be blocked, not verified, once a valid Identity Theft Report has been submitted. This letter serves as a formal notice of your noncompliance. I am requesting the immediate and permanent deletion of all identity theftrelated accounts, unauthorized inquiries, and inaccurately reported late payment remarks listed above. If these matters are not resolved promptly, I am prepared to pursue further action, including filing complaints with the Consumer Financial Protection Bureau and my State Attorney General, and seeking all remedies available under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, attorneys fees, and costs. Please provide written confirmation that these items have been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AR

Complaint narrative:
I am disputing a rental collection account being reported by Hunter Warfield on behalf of XXXX XXXX XXXX. After moving out of the apartment, I received charges including painting, pest control, trash removal, cleaning, and other move-out related fees. I disputed these charges directly with the landlord and later with Hunter Warfield in writing. I explained that several charges appeared excessive relative to the actual apartment condition and that some appeared to be routine turnover or maintenance costs rather than tenant-caused damage. I requested supporting documentation including invoices, inspection reports, photographs, payment ledger/account history, proof of damages, and documentation showing how the balance was calculated and whether the charges were authorized under the lease. Although some photographs were later provided, I still did not receive sufficient substantiation showing that the amounts charged reflected actual costs incurred or that certain charges were beyond normal maintenance or turnover expenses. I also requested proof supporting the reasonableness of the painting, pest control, and trash removal charges. I disputed the balance multiple times in writing before and during collection activity. Despite the ongoing dispute, the account was reported to my XXXX credit report. I am requesting a full investigation into the accuracy and reasonableness of the charges, confirmation that the account is being reported as disputed by consumer, correction or removal of any unsupported charges, and correction or deletion of inaccurate credit reporting if the balance can not be properly substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
WITHOUT PREJUDICE. XXXX XXXX XXXX XXXX, collecting on behalf of XXXX XXXX XXXX, responded to a timely 15 U.S.C. 1692g debt validation demand with a bare account summary dated XX/XX/year> Reference ID XXXX, Capital One N.A. account XXXX XXXXXXXX, {$1300.00}, acquired XX/XX/year>. This response does not constitute adequate validation under the FDCPA. No original agreement was provided. No complete payment history was provided. No documentation of chain of ownership from Capital One N.A. to XXXX XXXX XXXX was provided. No itemization of interest, fees, or charges was provided. Under 9th Circuit authority, a bare account summary is insufficient validation. Collection activity on an inadequately validated debt violates 15 U.S.C. 1692g. I am notifying this agency preemptively that any attempt by Resurgent or XXXX to furnish this account to any credit bureau will constitute an additional violation of 15 U.S.C. 1681s-2 ( b ) and will be addressed through all available legal channels. A cease communication demand has been sent via certified mail pursuant to 15 U.S.C. 1692c ( c ). I am a XXXX XXXX veteran, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. VA XXXX compensation under 38 U.S.C. 5301 is my sole income. My identity is VA-verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I sent a formal debt validation request to Midland Credit Management via USPS Certified Mail on XX/XX/scrub>XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Reported Balance : {$2200.00} Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. Section 1692g, Midland Credit Management was required to provide complete debt validation including : 1. Proof of ownership ( bill of sale from XXXXXXXX XXXX ) 2. Original signed credit agreement 3. Complete account payment history 4. Verification that the statute of limitations has not expired 5. Proof of Alabama collection license It has been over 60 days since my certified mail request was delivered. Midland Credit Management has not provided any validation documentation whatsoever. Despite failing to validate this debt, Midland Credit Management continues to report this account on my XXXX XXXX XXXX credit reports with a balance of {$2200.00}, in violation of the FDCPA. I am requesting the CFPB compel Midland Credit Management to : 1. Provide complete debt validation immediately, or 2. Delete this tradeline from all consumer reporting agencies 3. Cease all collection activity until the debt is validated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I received a Vanilla XXXX XXXX XXXX worth {$25.00} as a birthday gift on XXXX XXXX However, the card has been completely blocked by the issuer, preventing me from activating it, checking the balance, or using it. I have repeatedly contacted customer service to resolve this issue and requested them to unblock the card. Instead of helping, the representative told me that I must provide the original purchase receipt before they would investigate. Since this was a birthday gift given to me, I do not have the purchase receipt and have no way to find or obtain it. The company is using this impossible requirement as an excuse to freeze my funds and refuse to help. I am filing this complaint to request that the company investigate this based on the card information and unblock my gift card immediately so I can access my full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I went clear choice in XXXX and got a loan to get XXXX XXXX through care credit. But the woman said there would be no interest for like a year or 18 months or something and there was also added insurance I was unaware of. Theyre being sued for deceptive practices right now and Im also wanting to add my name to that lawsuit.

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 monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made an ACH payment to Apple Card Services on XXXX XXXX XXXX in the amount of {$220.00} for the final payment on my 12 payment installment plan. Apple Card refuses to acknowledge the payment was made and never properly deducted the payment from my account. My bank has confirmed with Apple Card Services multiple times that the money was deducted from my account by Apple Card Services, but Apple Card Services refuses to acknowledge the payment. Apple Card services essentially stole {$220.00} from me and refuse to take responsibility for this payment. They will not credit my account nor would they refund the charge. This is wire fraud, and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Years ago I was sent a fraudulent check in high school. When I tried depositing my account was shut down, but no legal action was taken against me. That was about XXXX years ago, and I havent been able to open a checking account since.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am requesting review and assistance regarding a recently reported 30-day delinquency on my Chase credit card account. I have maintained approximately 15 years of positive credit history and have never previously had a late payment reported. This incident was not the result of intentional nonpayment or financial hardship. The issue arose due to a naming/account setup discrepancy that occurred during an in-person interaction at a Chase branch. Because of this issue, I experienced difficulties properly accessing/managing the account through normal payment methods and was required to handle payments in person. This created confusion regarding the account and contributed to the missed due date. With all my other Chase accounts I was able to pay directly with my checking account. The issue is with this card, my middle name was not included. Since my middle name is included in my checking account, I was unable to pay directly. This requires me to go in person. I brought this up to Chase prior to the 30 days late payment for correction and they stated I would have to go in person into a branch to fix and pay for the card. I understand I remain responsible for the account ; however, given my otherwise exceptional payment history and the servicing/account-access complications involved, I am respectfully requesting a goodwill adjustment and removal of the 30-day late payment reporting furnished to the credit bureaus. I am simply asking for fair consideration of the circumstances and my longstanding positive history as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
I received an email for a debt from someone that I'm assuming has the same name as me for an XXXX XXXX issued by a XXXX XXXX Several years ago I had a similar circumstance with an XXXX XXXX from a different company that also thought this was my account. I have never had this type of credit card or heard of this bank before in my life. I called the company XX/XX/year> at around XXXX. I told their representative that it's not my card and they have provided me with someone else 's information. They person became hostile when I told her that the last 4 digits of the SSN that she provided to me was not mine and I would be filing a complaint as they have given me someone else 's private information with the inference that we share the same name and similar date of birth. I asked to have any and all communication ceased as this is erroneous, and she just basically hung up when I said I'd report their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a fraud alert text to my account about charges. I responded the charges were not approved as seen in the attached text. My card was shut down and blocked..... well I thought. The charges still went through so I disputed them once they no longer pending. Wells Fargo denied my dispute despite the fact I told them not to allow the charges to go through. This is the second time they've allowed something to happen to one of my accounts. One is currently in the negative due to their negligence and carelessness.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Deposited a check from insurance company and the check posted but still not releasing any funds available

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