vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> - my ex was driving a vehicle that is in both of our names. I am the primary on the note. He got into a wreck but didnt have car insurance. So the police tow the vehicle, but I was never informed of this. I contacted the bank and had mentioned to them that the ex had the vehicle. I contacted on many different occasions to see if the vehicle had insurance. The bank mentioned that they dont keep information like that. I asked them if there was any way for them to locate the vehicle because I hadnt seen it and I hadnt seen the ex with it. And they said no, they dont have trackers on the vehicles. A friend of mine at a dealership, ran a report on the vehicle and found that it was in a wreck and had been towed. So I again contacted the bank and I got the runaround. They sent me to collections. There the lady mentioned that they could help me only if I stop paying the car note. I mentioned I dont want to do that because I worked hard to get me credit where it was. So Im currently still paying. However, I found out that they sold the car at auction, but whatever the car was sold for was not put towards the loan. Im paying the full amount of the loan. I can not get any information on how much the car sold for. Ive contacted police headquarters, paid for reports, and nothing is on there. Ive sent letters to the CFO of the bank. No reply. Still there bank hasnt given me any information on this vehicle. Im just stuck paying a vehicle which I have no clue what happened to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Fraud Claim Denied XXXX Scam ( Impersonation of Bank ) Complaint : On XX/XX/year>, I was the victim of a bank impersonation scam. I received a phone call from a number that appeared to be associated with XXXX Bank ( XXXX ). And ( XXXX caller claimed to be from Chase and stated that my account was at risk of fraud. I was then transferred to what I was told was the XXXX department. Under pressure and fear, I was instructed to take actions to protect my accounts. As a result of this deception, I sent money that I believed was securing my funds. This resulted in the loss of : {$2000.00} from Bank of America I reported the fraud immediately. However, Bank of America denied my claims and refused reimbursement. This was not an authorized transaction in the true sense. I was manipulated under false pretenses by individuals impersonating my bank. This is a clear case of fraud. I am requesting : A full reinvestigation of my claims Reimbursement of the stolen funds Copies of all documentation used in the denial decisions This situation has caused significant financial and emotional distress, and I am seeking a fair resolution.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
Until you provide proper validation, I request that you cease all collection activities and reporting to any credit reporting agencies. If you are unable to validate this debt, you must cease collection efforts and remove any negative reporting associated with this account

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a previous complaint submit, ID : XXXX I would like to add new information to my complaint. After the initial fraud incident, I received another call from XXXX ( XXXX ) XXXX. The caller had access to my Social Security Number, date of birth, and home address, and attempted to initiate another fraudulent transaction. This demonstrates that my personal information has been compromised and is being actively used in ongoing fraud attempts. I request that this be considered in the review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/XXXX - ordered eyeglasses from XXXX XXXX. I charged purchase to XXXX for total charge of {$130.00}, which included a {$30.00} prism option. On XX/XX/XXXX and XX/XX/XXXX, I received e-mails from XXXX XXXX and XXXX XXXX, XXXX XXXX customer service representatives, that my prescription did not include prism option and refund of {$30.00} would be processed. When refund not processed after 19 days, I filed a dispute with XXXX on XX/XX/XXXX. Despite my sending copies of the e-mails from XXXX XXXX and XXXX XXXX to XXXX, and without any documentation from XXXX XXXX that contradicts the fact that a refund was promised because the eyeglasses did not have the Prism option,, XXXX has, on XXXX occasions and after submission of additional documentation, refused to validate my dispute and continues to charge the {$30.00} to my XXXX card. I also sent XXXX an e-mail dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, in which he states : We understand your frustration regarding the {$30.00} refund for the Prism option and we apologize for the delay. WE ARE NOT CONTESTING YOUR RIGHT TO THE REFUND. And yet XXXX refuses to apply the {$30.00} credit to my credit card account. Today, XX/XX/XXXX, I received an e-mail from XXXX that my dispute has been closed with XXXX concluding, despite evidence to the contrary, that {$30.00} charge is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
This company Jefferson Capital ( XXXX XXXX ) says i owe them XXXX. Which Ive never had XXXX XXXX i have xfinity mobile. I called them to dispute this because its on my credit report and its not mine come to find out someone is using my information such as Name and SSN in MA. and ive been living in PA since XXXX. This not my account im recently been talking to the IRS because someone which is the same person who.opened this account using the same address XXXX XXXX XXXX XXXX XXXX. Filled my XXXX taxes so.when i went to file i couldn't so now i have to wait until the IRS hets back to me will be over the next 180 days for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I filed a dispute with Huntington bank on XX/XX/XXXX for the amount of {$9800.00}. A dispute was then initiated and at the conclusion of the first dispute, they told me that I needed to try to resolve the matter with the merchant directly, however, I provided to the dispute team copies of the correspondence between me and the merchant over the last couple months attempting to resolve the matter with the merchant directly. So in response, Huntington national Bank denied my dispute on XX/XX/XXXX. I requested for the dispute to be reopened and also reached out to the corporate office at the conclusion of that dispute. The reason why they state the dispute was denied is because I was unhappy with the results from the merchant, however, when I first initiated the dispute on XX/XX/XXXX, I initiated the dispute because the service was never rendered by the merchant since then Huntington national Bank refuses to reopen the dispute and refuses to review any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was on an American flight in XXXX when the flight attendant gave me a brochure to apply for a Citibank card for XXXX miles if I spend $ XXXX the first 3 months. The flyer code is XXXX. I used the QR code on the brochure to sign up on the plane. When I received the card they only gave me XXXX miles if I spent {$2500.00}. I called immediately, they then sent me a letter saying I had to mail them a copy that included my name and address ( it was a brochure so that wasnt possible ) to them but they did not provide an address. When I called again XXXX # XXXX refused to change the miles.

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 2026-04-21 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sold concert tickets in person for approximately {$5000.00} and received payment through my PayPal account. At the time of the exchange, I physically transferred the tickets to the buyer, and she successfully registered them in her name that same day. I confirmed with the buyer that the transaction was complete. On Monday, XX/XX/year>, I followed up with the buyer, and she confirmed receipt through PayPal and that everything was completed successfully. The buyer later attended the concert ( approximately two weeks ago ) and has provided confirmation that the tickets were used. Despite the completed transaction and confirmation from the buyer, PayPal placed a hold on my funds for an extended period ( approximately three weeks ). I contacted PayPal customer service to request an explanation and to ask what actions were required to release the funds. I was told that they could not provide a specific reason for the hold and that their system would not allow them to release the funds. I was also not given any steps I could take to resolve the issue. At no point prior to accepting this payment was I clearly informed that funds could be held for this length of time under these circumstances. This lack of disclosure directly impacted my ability to access my own funds. I sold these tickets specifically to fund an urgent trip. Due to PayPals continued hold on my fundseven after the buyer confirmed receipt and attended the eventI have been unable to book travel and will now miss that trip. In addition to the funds being held, I was charged approximately {$150.00} in transaction fees for this payment. These fees were assessed despite my inability to access the funds and despite the transaction being completed and verified by the buyer. Charging transaction fees while simultaneously restricting access to the funds raises concerns about fairness and transparency in how this transaction was handled. I have had a PayPal account in good standing for over 20 years. This transaction was legitimate, completed, and verified by the buyer. There is no dispute, no claim, and no indication of fraud. Despite this, my funds remain inaccessible, and PayPal has failed to provide a clear explanation or a path to resolution. This has caused financial harm and prevented me from using my own funds for a time-sensitive obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Prestige finance were suppose to pick the car up from the given address .. Because I was in bankruptcy when I stopped my bankruptcy I said that I would surrender the vehicle back to them..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) - 15 U.S.C. 1681i ( a ) ( 6 ) - 15 U.S.C. 1681e ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have 10 days to delete all inaccurate accounts or I will proceed with complaints and legal action. 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a formal complaint against LVNV Funding, LLC regarding continued collection activity and/or credit reporting on an account that I have previously disputed multiple times. This is not my first dispute regarding this account. Despite prior disputes, LVNV Funding has failed to provide sufficient validation as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and continues collection efforts without proper verification. LVNV Funding has not provided : * A complete chain of title showing legal ownership of the alleged debt * A signed agreement or contract bearing my signature * A full accounting of the debt, including how the balance was calculated * Proof that they are legally authorized to collect in my jurisdiction Additionally, the continued reporting and/or collection of this account without proper validation raises concerns under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), specifically regarding the reporting of inaccurate or unverified information. Given that this is a repeated dispute and LVNV Funding has failed to meet its legal obligations, their continued collection activity may constitute : * Collection without proper validation ( FDCPA violation ) * Furnishing inaccurate or unverified information ( FCRA violation ) * Failure to properly investigate a disputed account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against Resurgent Capital Services L.P. and LVNV Funding LLC regarding an alleged credit card debt originally associated with XXXX XXXX. I have disputed this account multiple times in writing and requested full debt validation, including a complete chain of title, a bill of sale identifying my specific account, a signed agreement or contract, and documentation from the original creditor verifying the amount. In response, the company provided only an internally generated account summary and a generic ownership history. These documents explicitly state they are not statements from the original creditor and do not constitute competent evidence of a legally enforceable debt. The company has failed to provide : * A bill of sale or assignment identifying my specific account * A complete chain of title linking the original creditor to LVNV Funding LLC * Any signed agreement or contract showing my legal obligation * Any documentation from the original creditor verifying the balance Despite failing to provide proper validation, the company continues to report this account to consumer reporting agencies as verified and continues collection efforts. This indicates that no reasonable investigation was conducted, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Additionally, their failure to provide proper validation violates the Fair Debt Collection Practices Act. As a New York consumer, I also note that under 23 NYCRR 1.4, debt collectors are required to maintain and provide documentation establishing a complete chain of title. The company has failed to comply with this requirement. I have made good faith efforts to resolve this issue directly with the company, including prior disputes and a previous CFPB complaint, but they have failed to correct the issue. I am requesting regulatory intervention due to their continued failure to validate the debt and continued reporting of unverified and potentially inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) - 15 U.S.C. 1681i ( a ) ( 6 ) - 15 U.S.C. 1681e ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have 10 days to delete all inaccurate accounts or I will proceed with complaints and legal action. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
I was charged XXXX twice consecutively, to fly from XXXX to XXXX XXXX. I think that something in the website made it look like my payment failed, when it had succeeded. That's how I ended up with the two consecutive charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting a complaint regarding a fraudulent wire transfer initiated from my account at JPMorgan Chase. On or around XXXX XXXX, 2026, I was the victim of a scam that resulted in an unauthorized wire transfer being sent from my Chase account. I immediately reported the issue to JPMorgan Chase and requested a fraud review and wire recall. Chase confirmed that a wire recall request was initiated the same day. The funds were sent to an account at XXXX XXXX. The receiving bank reference number is XXXX, and the XXXX number associated with the transfer is XXXX. Since reporting the fraud, I have been following up with JPMorgan Chase for updates. I have been informed that a recall request has been sent to the receiving bank ; however, I have not received clear or consistent updates on whether XXXX XXXX has responded, whether the funds are still available, or what the current status of recovery is. As a result, I remain uncertain about the outcome of the recall process and the status of my funds. I am requesting clarification on the current status of the interbank recall, confirmation of whether the receiving bank has responded, and any further actions that can be taken regarding recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Aldous & Associates, PLLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX XXXX.2026 Aldous & Associates , PLLC XXXX. XXXX XXXX XXXX, UT XXXX Registered/Office Address ( sometimes listed ) XXXX XXXX XXXX XXXX Salt Lake City, UT XXXX XXXX ( XXXX ) XXXX Subject : Debt Validation Request Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt in the amount of {$12000.00}. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g and 15 U.S.C. 1692c, I am requesting validation of this debt. Please provide the following information : 1. The amount of the alleged debt, including a full breakdown of all fees, interest, and charges 2. The name and address of the original creditor 3. A copy of the original contract or lease agreement bearing my signature 4. Documentation showing that I am legally obligated to pay this debt 5. A complete payment history on this account 6. Proof that your company is authorized to collect this debt in my state Additionally, pursuant to 15 U.S.C. 1692c, I request that you cease all communication with me except in writing to the address listed above. Until you provide proper validation of this debt, you must cease all collection activities and reporting to credit bureaus. If this account is currently reported, it must be marked as disputed. Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state for violations of the FDCPA and any other applicable laws. If you are unable to provide proper validation, you are required to delete this account from my credit file and cease further contact with me immediately. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) - 15 U.S.C. 1681i ( a ) ( 6 ) - 15 U.S.C. 1681e ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have 10 days to delete all inaccurate accounts or I will proceed with complaints and legal action. XXXX XXXX

Company response to consumer: Closed with explanation