vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went into XXXX different branches of US Bank with my state of CA paycheck, in the amount of approximately {$4400.00} to just deposit it and they both told me there would be a hold until XX/XX/year>. Same thing if I mobile deposited which I ended up doing. Ive banked hereXX/XX/XXXX years and my account has never been overdrawn. I go into a branch with my paper check every month and have always had funds available the next day.

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 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Unlike all of my other credit cards, refunds/credits posted after statement and before due date are not applied to the remaining statement balance with XXXX, but are applied onto the new statement, meaning not applied to the charges which would incur interest first. On all of my other credit cards, the remaining statement balance is lowered when credits or returns are processed after the statement has been issued and before the due date, lowering the remaining statement balance. XXXXXX/XX/XXXX online credit card portal only provides current balance, and statement balance, same for calling support line and speaking with live agent. Payment options are only statement balance, current balance or minimum payment whereas all my other credit cards allow my payment to be remaining statement balance so I can always avoid interest charges. XX/XX/XXXXcredit card policy lacks transparency and is purposefully designed against the best interest of the consumer.

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 2026-01-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I made a single authorized online purchase of {$29.00} from a website that appeared legitimate. This was the only transaction I approved.

Within the next 48 hours, the same merchant processed approximately 15 additional online charges totaling about {$7500.00}, even though my credit limit was {$3800.00}. I did not authorize any of these additional charges. I did not consent to recurring billing, incremental charges, subscriptions, or any amounts beyond the original {$29.00}.

I promptly contacted my bank and reported the charges as fraud. The bank rejected the fraud claim, stating they should instead be treated as billing disputes. I followed the banks instructions and re-filed all 15 transactions as billing disputes, and separately disputed the original {$29.00} charge as goods/services not received, since nothing was ever delivered. 

During the billing dispute process, the bank has repeatedly requested documentation that can not exist for unauthorized transactions ( such as invoices, contracts, or receipts for the fraudulent charges ). I have consistently explained that : * The additional charges were not authorized * There is no merchandise or service associated with those charges * There are no invoices or receipts because I did not make those purchases Despite this, the bank has continued to delay resolution and, has erroneously deducted the disputed {$29.00} amount from 3 of the larger claims, even though the {$29.00} charge is itself under a separate dispute and has not been resolved or credited. It has has rejected one of my billing disputes.

The bank has stated it may take up to 45 days to respond to the billing disputes. Meanwhile, I am concerned that the bank has mishandled the investigation by : * Misclassifying fraud as billing disputes, * Allowing charges far above my credit limit, * Treating unauthorized charges as if they were valid purchases, and * Making accounting errors during the dispute process.

I am requesting CFPB assistance to ensure the bank properly investigates these unauthorized charges, applies applicable consumer protections, corrects its errors, and credits the disputed amounts.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX I took a XXXX XXXX XXXXXXXX yellow cab. The total fare was {$29.00}, however I was charged {$55.00} on my credit card statement. I provided BARCLAYS BANK with the receipt for {$29.00}. The receipt that I was given by the driver had the incorrect year on it. ( XXXX instead of XXXX. ) BARCLAYS BANK denied my claim.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was blocked by PayPal due to suspicious transactions. Every transaction on my account is for my business. I already explained that a month ago, and I already provided my Social Security number and drivers license. I file my taxes every year for these transactions. My account needs to be reinstated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently limited following an unauthorized transaction of {$0.00} that I did not initiate or recognize. Shortly after this transaction appeared, my account was restricted and later marked as permanently limited. I contacted PayPal customer support multiple times to report the unauthorized activity and request a review, but I was informed that they could not provide the specific reason for the limitation and that no appeal or reinstatement was available. 

I did not violate PayPals Acceptable Use Policy, and my other account activity consists of legitimate affiliate and product-testing payments. This limitation is causing significant hardship for my family, as I am a XXXX XXXX and rely on this income to provide basic necessities and small joys, such as toys, for my children. I am requesting a formal investigation and written explanation for the permanent limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
b"Cash App\nXXXX XXXXn\nRouting number: XXXX XXXX XXXXAccount number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmail: XXXXPhone: XXXXThis account was closed and my money locked in it. I can't withdraw my money. This was done with no prior notice. Contacting them no one will tell me why."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: MO

Complaint narrative:
On XXXXXXXX XXXX XXXX I sent a certified letter requesting ALL information pertaining to the alleged debt. I received a letter from them with only 1 piece of documentation with their company listed. The alleged debt was for taxes in Missouri, my taxes are paid, and the collection agency is trying to fraudulently collect on a debt that has been paid, or if the debt is not paid has passed the time limits to collect. I stated this in my letter. If they are reporting this to credit reporting agencies then this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, This letter constitutes formal notice that I dispute the alleged debt you are attempting to collect on behalf of XXXX XXXX XXXX. I do not acknowledge liability for this debt. 

Pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to IMMEDIATELY CEASE ALL COMMUNICATION with me, including but not limited to telephone calls, emails, letters, third-party contact, and any continued collection activity. The only permitted response is written confirmation that collection efforts have ceased or that specific legal action is being taken. 

Additionally, pursuant to 15 U.S.C. 1692g, I demand full and complete debt validation, including but not limited to : A copy of any contract or agreement bearing my signature An itemized accounting of the alleged balance Proof of assignment or authority to collect Documentation establishing legal liability Until proper validation is provided, all collection activity and credit reporting must stop immediately. Continued reporting or communication without validation constitutes a violation of federal law. 

Given the absence of validation and the disputed nature of this account, I demand immediate removal of this collection from all consumer reporting agencies. Failure to comply will result in escalation through the Consumer Financial Protection Bureau and other appropriate regulatory channels. 

This notice is sent in good faith to enforce my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Sometime around XX/XX/XXXX or XXXX my account got closed on robinhood after making a XXXX deposit there and when i asked for the reason of the closure, all they said was they were closing my account and up till now, robinhood would not refund my money and this has caused a whole lot of inconvenience in my financial life as they have made life difficult for me holding unto all i have left

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Ascent Holding Co
State: TX

Complaint narrative:
I was dealing with this company called Devslopes, which promised to teach me how to work as a XXXX and get a job within 12 months ( I almost have my XXXX  in XXXX XXXX so I thought it sounded like a good way to get my foot in the door ), but after I got the loan through ascent, and made like three payments I found out the company was closing down. Leaving me with about XXXX XXXX  dollars in debt from the loan, with no way of getting forgiveness. I contacted the loan company, and they deferred the payment until sometime this month ( XXXX ), but when they expect the payments, I wont be able to make them. I XXXX for a living and am getting back in college this semester, so I definitely wont have the money to make both payments. Just looking for someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: DriveTime
State: TX

Complaint narrative:
Subject : Complaint Regarding Vehicle Purchase and Subsequent Mechanical Failure To Whom It May Concern, I am writing to express my extreme dissatisfaction with a vehicle I purchased from Drive Time. I purchased the vehicle approximately XXXX months ago. Shortly after the purchase, the vehicle experienced a major mechanical failure. 
I took the vehicle to a licensed mechanic, who diagnosed the problem as faulty head gaskets. The mechanic stated that this type of failure typically occurs after XXXX years. 
I contacted Drive Time to request assistance with the repair. Despite my consistent on-time payments , Drive Time refused to provide any support. 
As a result, I was forced to surrender the vehicle. Drive Time has since placed the remaining balance on my credit report, which is negatively impacting my ability to obtain another vehicle. 
I request that you investigate this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a customer of Chase bank for many years. I used my Chased saphire reserved credit card for all of my personal and business expenses. Never missed a single payment. Never been late. My account has been outstanding. In XX/XX/year> Chase abruptly closed my account without explanation. Upon checking with the representative it turned out that Chase was performing account review and saw that I had a problem with XXXX account. I have been a victim of fraud with XXXX and XXXX is taking months!!!! to investigate it which I have a separate complaint filled out with CFPB. 

Meanwhile, Chase had to ground to close my account with them. I presented them with numerous proof and explanation of the fraud with XXXX and the fact that XXXX is still investigating the matter. I have never received a single official response from Chase. 
I lost my main credit card and roughly XXXX XXXX in points which is equivalent of at least {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
Did not discharge my loans and did not properly count my PLSF payments and demanded payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting a follow-up complaint against Equifax, Experian, and TransUnion regarding multiple inaccurate and unverified items on my credit report, including collection accounts with XXXX ( XXXX XXXX XXXX {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ), and XXXX & XXXX XXXX ( {$500.00} ), which report incorrect balances, obsolete information, and potentially inaccurate dates of first delinquency. These discrepancies violate FCRA XXXX ( a ), XXXX ( c ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( XXXX ). Furthermore, the debt collectors have failed to validate these debts as required under FDCPA XXXX, and some of their practices appear misleading or unfair under FDCPA XXXX and XXXX. Additionally, numerous hard inquiries, including XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and others, appear on my credit report without permissible purpose or are reported beyond the allowable timeframes, violating FCRA XXXX ( a ), XXXX ( a ), and XXXX. These inaccuracies have negatively impacted my creditworthiness, and despite my previous attempts to resolve these issues directly with the bureaus and creditors, they remain unresolved, causing ongoing financial harm and stress.

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 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: IN

Complaint narrative:
On or around XXXX XXXX XXXX  unauthorized ACH withdrawals were taken from my account by XXXX ( also known as XXXX / XXXX ) and Fizz. I did not authorize these charges and did not consent to any recurring withdrawals from these companies. 

I contacted both companies to request an explanation of the charges, proof of authorization, cancellation of any services, and a refund. Despite multiple attempts, I did not receive a response or a resolution. 

I disputed these charges with my financial institution, but the dispute was denied on the basis that the transactions were not fraud, without properly reviewing the issue as unauthorized ACH debits under Regulation E. 

I am requesting reimbursement of the disputed amounts, a permanent stop to future ACH withdrawals by XXXX and Fizz, and a proper investigation and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
On or about XX/XX/year>, I received an initial collection notice from First National Collection Bureau , Inc., claiming to collect an alleged credit card debt originally associated with XXXX XXXX XXXX XXXX and allegedly owned by XXXX XXXX XXXX, XXXX. The notice asserted a total balance of approximately {$26000.00} and included a settlement offer. 

On XX/XX/year>, I sent a written response disputing the alleged debt in its entirety. In that letter, I : Formally disputed the debt Requested full debt validation under the Fair Debt Collection Practices Act ( FDCPA ) Requested identification of the current legal owner of the debt and proof of the collectors authority Requested a copy of any original contract or agreement creating the obligation Requested clarification as to whether the alleged debt was time-barred Directed the company to cease telephone contact and communicate only in writing On XX/XX/year>, First National Collection Bureau responded . Their response stated that they had contacted the alleged creditor and enclosed documents they claimed validated the debt. The enclosures consisted primarily of : A generic bill of sale/assignment document Historical account statements An internal application data printout However, the response did not provide : A copy of any executed contract or cardmember agreement establishing my legal obligation Documentation clearly identifying my specific account within the assignment with particularity Proof that First National Collection Bureau has legal authority to collect or enforce the debt on behalf of the alleged owner A clear statement confirming whether the debt is time-barred under the applicable statute of limitations Despite the ongoing dispute and lack of complete validation, the company continued to present payment options and settlement language, which I believe constitutes continued collection activity without proper validation. 

I believe First National Collection Bureau has failed to provide sufficient debt validation as required by the FDCPA and has continued collection efforts while the debt remains formally disputed. I am requesting regulatory review of their handling of this matter and their compliance with federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a customer of JPMorgan Chase Bank , N.A . I am deaf and unable to use the phone. I rely on written communication ( secure message/chat ) as a reasonable accommodation. 

Chase closed my savings account without providing a clear written explanation. When I attempted to obtain assistance through Chases Digital Assistant and requested a live agent via chat, I explicitly disclosed my XXXX and stated that I could not use the phone. 

Despite this disclosure, Chases system repeatedly refused to provide a non-phone accommodation, repeatedly pushed phone contact, failed to escalate to a human agent via written communication, and responded with generic statements rather than addressing the accommodation request. Screenshots documenting this interaction are attached. 

This conduct denied me equal access to my own bank account and information, after disclosure of a XXXX, and effectively blocked me from understanding or resolving the account closure. 

I subsequently submitted a secure message through Chases app invoking the Americans with Disabilities Act ( ADA ) and requesting : 1. A written explanation for the closure of my savings account, and 2. Confirmation of how Chase will provide accessible, non-phone support going forward. 

As of this complaint, Chase has not resolved the issue.

Company response to consumer: Closed with explanation