vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> RE : Unauthorized Disclosure of Personal Financial Information 15 U.S.C. 6801 Violation To Whom It May Concern : I am writing to formally dispute your reporting of an alleged account on my consumer credit report. Under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801, financial institutions have a legal obligation to protect the security and confidentiality of consumers nonpublic personal information. You are currently reporting and sharing my personal financial information with third parties ( credit reporting agencies ) without providing evidence of : My authorization to share this information A valid and enforceable contractual relationship Compliance with privacy notice and opt-out requirements This constitutes a potential violation of 15 U.S.C. 6801 and related privacy provisions. Additionally, under 15 U.S.C. 6802, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without proper notice and opportunity to opt out. At this time, I do not recall providing authorization for your company to : XXXX. Possess my personal financial information XXXX. Share my data with credit reporting agencies XXXX. Report this account under my consumer profile Therefore, I demand the following : Immediate validation of your legal authority to possess and report my data Proof of my written authorization Documentation of compliance with all privacy notice requirements If you are unable to provide this documentation, you must : XXXX. Cease all reporting to all credit bureaus immediately XXXX. Delete this account from my credit file XXXX. Cease any further use or disclosure of my personal information Failure to comply will result in formal complaints filed with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - State Attorney General This letter serves as formal notice of dispute and demand for compliance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: AL

Complaint narrative:
Global Lending Services repossessed my XXXX XXXX XXXX and sold it for only {$1000.00}. The fair market value of this vehicle is $ XXXX {$6000.00}. They now claim I owe {$11000.00}. Their XX/XX/XXXX Notice of Our Plan to Sell Property stated the sale would be a " private sale. '' However, their XX/XX/XXXX Deficiency Notice lists " Auction Costs '' of {$1500.00}. This is a material contradiction. Under XXXX XXXX XXXX XXXX XXXX ), a sale of collateral must be commercially reasonable. A {$1000.00} sale price for a XXXX XXXX is presumptively unreasonable. They have provided no condition report, no auction results, and no justification for this low price. I have requested documentation to verify these charges. They have not provided proof that the sale was commercially reasonable as required by XXXX XXXX XXXXXXXX. I request investigation into whether Global Lending Services violated the Fair Debt Collection Practices Act by attempting to collect an inflated deficiency based on an commercially unreasonable sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My capital one savings bank account was closed and the funds were never returned to me, the bank stated that they would reverse the funds to the original account the funds came from, which was a personal account from XXXX XXXX, but that account was already closed, and after contacted XXXX XXXX said they never received the funds. Until this day capital one has failed to send me documentation to explain the closing of the account or return me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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 Chase customer in good standing for nearly XXXX years with no delinquencies. My Chase Sapphire and Chase XXXX XXXX cards were both permanently closed following a failed ACH autopayment that I had no ability to prevent. The bank account linked to my Chase autopay had been compromised by fraud. I was actively working through the dispute and remediation process with the appropriate financial institutions when the payment failed. The moment I became aware of the ACH reversal, I made immediate payments on both accounts. Despite acting in good faith, I received no direct warning that my accounts were at risk of permanent closure. Chase states notices were mailed but I never received them. When I contacted Chase, I was told a bank policy memo mandated the closure with no exceptions and that no individualized review would be conducted. There was no consideration of my four-year payment history, the fraud circumstances, or the fact that I made immediate payments the moment I was aware of reversals. I am requesting that Chase be required to reinstate both accounts and review whether this blanket policy constitutes fair treatment of consumers in fraud-related circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ

Complaint narrative:
I noticed a collection account being reported on my credit report that I do not recognize and do not believe belongs to me. I formally requested validation of this alleged debt, including a copy of the original signed agreement, full account history, and proof that I am legally responsible for the account. The company has failed to provide sufficient documentation to verify that this debt is mine. Despite the lack of proper validation, the company continues to report this account on my credit report, which is negatively impacting my credit. I am requesting that this account be investigated and removed immediately if the company can not provide proper verification that this debt belongs to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On or about XX/XX/year>, I attempted to place an order on CoinbaseXXXX during a live market event. While submitting the order, I received repeated error messages indicating that the order was not accepted. Based on these errors, I reasonably believed that my order had failed and was not executed. After these failed attempts, the order was unexpectedly executed only moments before market close. Due to this delayed execution, I had no meaningful or practical opportunity to manage, cancel, or exit the position before the market resolved. I contacted Coinbase support immediately and over the following weeks. I specifically requested a review of the order submission logs, execution timestamps, and any system latency or technical issues that may have caused the delayed execution. Despite multiple escalations and extended waiting periods, Coinbase did not provide these requested technical details. Instead, I received generic responses and the case was closed without addressing the core issue. Coinbase stated that the order was executed at XXXX XXXX XXXX and that the market remained open until XXXX XXXX XXXX However, this does not reflect the actual user experience. Due to repeated system errors and the delayed execution, I did not have a realistic or fair opportunity to react or exit the position. The execution occurred under conditions that were not consistent with normal or reliable platform behavior. This complaint is not about the outcome of the event itself, but about the integrity and timing of the order execution following repeated system errors. An order should not be executed after multiple failure messages in a way that prevents the user from managing risk. I am requesting a full and transparent review of this transaction, including the relevant system logs and execution data, and appropriate compensation for the loss resulting from this delayed and improper execution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is regarding actions taken by Capital One that have resulted in improper handling of my funds and significant inconvenience. XX/XX/XXXX : I transferred {$2000.00} from my personal checking account to my Capital One business account. Shortly after attempting a single payment, the business account was restricted. XX/XX/XXXX : After submitting the requested documentation and making approximately XXXX phone calls, the restriction on my business account was lifted. I then transferred the full balance of {$5000.00} to my personal Capital One checking account. XX/XX/XXXX ( later that day ) : My business account was restricted again without clear explanation. XX/XX/XXXX : I transferred {$5200.00} ( cleared funds ) from my personal Capital One checking account to an external account & that was successful. XX/XX/XXXX : Capital One deducted {$5000.00} from my personal checking account, labeling it as a Reversal from Capital One Business Checking. Leaving me with a negative balance of - {$5000.00} This reversal occurred after the funds had already been cleared and transferred, creating a negative financial impact and raising serious concerns about Capital Ones handling of account restrictions and fund reversals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing a complaint against Ally Bank. On XX/XX/year>, I received a refund check for {$5900.00} from XXXX XXXX XXXX XXXX XXXX after closing my escrow accounts. I deposited this check on XX/XX/year>, into a high-yield savings account with Ally Bank . Shortly after, Ally Bank closed my account without notice, claiming they couldnt verify my identity and are now holding the funds. I have repeatedly asked XXXX XXXX XXXX XXXX XXXX to contact Ally Bank, but they can not make outgoing calls. I also sent Ally Bank a verification letter from XXXX XXXX XXXX XXXX XXXX confirming that the funds were legitimate and that the check was issued to me. Despite this, Ally Bank is still holding the funds. I have been left without access to my money and have not been given any further explanation or resolution. Ally Case # 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is saying that my current balance is {$3800.00} & they are threatening to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Credit Collection Serv ( Account # XXXX ) XXXX XXXX XXXX XXXX MA XXXX Re : Cease and Desist Communication Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to demand that you cease all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to immediately stop all forms of communication with me, including but not limited to phone calls, emails, text messages, and written correspondence, except as permitted by law. Under the FDCPA, you may only contact me further to : 1. Advise that your collection efforts are being terminated ; 2. Notify me that you may invoke specific remedies ordinarily available to you ; or 3. Notify me that you intend to invoke a specific remedy. Be advised that any further communication outside of these exceptions will be considered a violation of federal law. I will document all such violations and may pursue legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, if you believe this debt is valid and enforceable, you are required to comply with all applicable provisions of the FDCPA and any other relevant laws. This notice is not an acknowledgment of any debt, nor does it constitute a refusal to pay. It is a demand for you to cease communication in accordance with federal law. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been a loyal cardholder with Comenity Bank for over eight years and have maintained a perfect payment history. On XX/XX/year>, I discovered my account access was suspended. Upon contacting the creditor, I was transferred to the Bread Financial Protection Team, where a representative informed me that I needed to provide identity verification documents. Per their specific instructions, I immediately emailed a copy of my drivers license, passport, utility bill, and bank statement. I received a confirmation that my account was under review. However, on XX/XX/year>, I received a notice stating my account was permanently closed due to 'incomplete or missing documents. ' I contacted Comenity Bank to resolve this administrative error. Despite my efforts, a supervisor informed me that the closure was 'permanent ' and could not be reversed, regardless of the documents provided. He suggested I simply reapply for a new card, which would result in the loss of XXXX years of credit history. The 'missing ' documentation is likely a result of the bank 's failure to reconcile my former name ( XXXX XXXX XXXX with my current legal name ( XXXX XXXX XXXX XXXX XXXX I possess a XXXX XXXX XXXX that legally bridges these two names, which the bank has failed to manually review. I strongly believe my rights under the Equal Credit Opportunity Act ( ECOA ) have been violated, as the bank has terminated a long-standing account due to an identity verification glitch related to my XXXX process. This closure causes significant and unfair harm to my credit age and financial standing. I am requesting that the CFPB compel Comenity Bank to perform a manual review of my XXXX XXXX and reinstate my account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a rental-related debt being collected by National Credit Systems on behalf of XXXX XXXX XXXX XXXX amount of approximately {$650.00}. I contacted the original creditor, XXXX XXXX, who confirmed in writing that they are unable to locate any policy, claim, or account associated with me and can not provide supporting documentation. I provided this documentation to the collection agency and requested validation of the debt, including proof that a valid claim was made, approved, and paid, and that I am legally responsible. The collection agency responded by providing only a claim submission form from the property manager. This document appears to be a third-party submission and does not establish that the claim was valid, approved, or paid, nor does it establish my liability. Additionally, the documentation contains inconsistencies. It states that the account had not been sent to collections despite being reported in collections, and identifies the move-out as an eviction, while court records show the case was dismissed and I have documentation showing I voluntarily returned possession of the unit. Despite my dispute and supporting evidence, the account continues to be reported and collected. Because the original creditor can not verify the existence of the account and the collection agency has not provided sufficient validation, this debt is inaccurate and should be removed from collections and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: UT

Complaint narrative:
I opened a Chime Checking Account in XXXX. During the enrollment process, I was not clearly informed that a XXXX XXXX XXXX Chime Card ( a secured credit card ) would also be opened on my behalf. I did not explicitly apply for, request, or consent to any credit card product. Shortly after opening my checking account, a new credit account appeared on my XXXX credit report listed as a closed account with a {$0.00} balance and {$0.00} available credit. I never received a physical Chime Card in the mail, and I never activated one. Chime 's own documentation states : " Your credit score is only affected once you activate your XXXX XXXX or Chime Card. '' Despite never activating the card, the account was reported to the credit bureau and negatively impacted my credit score through the addition of a new account. Actions I took : - I contacted Chime to dispute the account and request its removal from my credit report. - The account was subsequently closed. - Chime responded to my dispute by stating that " the reported information was accurate as of the date reported '' and provided no further remedy. - I followed up in writing, challenging their response on the grounds of lack of consent rather than accuracy, and requested removal of the account from all three major credit bureaus as well as written proof of my consent to open the credit account. - As of the time of this complaint, the account remains on my credit report and Chime has not provided evidence that I consented to opening a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/scrub>XXXX I sent a formal dispute and verification request to experian by certify XXXX .. Received by Experian XX/XX/year> to formally dispute the accuracy and completeness of the following information reported on my credit file. I also requested full verification and disclosure of the original source documents related to the accounts listed below, as provided under Section 609 and Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 55 1681g and 1681i ). Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to Section 611, I requested an immediate investigation of the above item ( s ). XXXX failed to provide written verication, confirmation -Copy of the original signed contract, all records used to verify this items accuracy.

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 2026-04-23 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: CT

Complaint narrative:
On XX/XX/year>, I received an email notification from PayPal stating that my account had been permanently deactivated. The email stated there was " activity on this account that we can not process '' but provided no specific explanation. I logged into my PayPal account and confirmed the permanent limitation was in place. The in-app message confirmed the deactivation with no specific reason given. My account balance at the time was {$0.00}. I submitted a formal written appeal to PayPal 's executive escalations team requesting a specific explanation and account reinstatement. No satisfactory response has been received. I have been a customer in good standing using the account primarily for personal transactions. No warning was given prior to deactivation and no specific reason has been provided despite my requests. Reference ID : XXXX

Company response to consumer: Closed with explanation