vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am reporting a series of unauthorized ACH transfers from my business checking account ( XXXX ) to pay a debt belonging to a former owner on an American Express card. I discovered the charge for {$1200.00} on XX/XX/XXXX. I immediately contacted my local branch. They gave me a print out of all Amex ACH debits from my account. I found a total of XXXX that were fraudulent : XX/XX/XXXX - {$1200.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1600.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$1000.00} XXXX refused to credit any of the charges, even the one that was reported while it was still pending on XX/XX/XXXX per the XXXX XXXX policy. They were notified within the mandatory window of 48-hours. Additionally, under UCC 4A-204 the {$10000.00} transaction is considered concealed theft and was also not authorized. The merchant ( American Express ) is pulling funds for a personal SSN account from a corporate XXXX account. XXXX failed to perform mandatory Name Matching and is incorrectly applying consumer statute-of-limitations ( Reg E ) to a business account protected by the Uniform Commercial Code ( UCC ). The person who authorized these pulls is not an authorized signer on our account. Furthermore, Amex would not remove our XXXX XXXX checking account information from the fraudulent Amex account to prevent future withdraws and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding an invalid debt that was sent to collections due to a billing error by XXXX. XXXX double-billed my household for internet service under two separate accountsmy account and my husbands accountfrom approximately XX/XX/XXXX through XX/XX/XXXX. Both accounts were charged for the same service at the same address. After multiple calls with XXXX, the issue was identified and my account was closed. I was led to believe the matter had been resolved and that no balance remained. Despite this, XXXX improperly sent an alleged balance of {$140.00} to collections ( Valor Intelligent Processing ). This debt is invalid and the result of XXXX internal billing error. I do not owe this amount. This has caused unnecessary stress and concern regarding potential damage to my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates ( PRA ) placed a {$4400.00} collection tradeline on my credit report ( XXXX XXXX, acct XXXX ) without ever sending me an initial written notice or validation rights disclosure as required by 15 U.S.C. 1692g ( a ). On XX/XX/year> I sent a Cease and Desist and debt validation demand via XXXX XXXX Mail ( Tracking # XXXX, delivered XX/XX/year> ). PRA has never responded. Despite receiving my demand, PRA updated the balance on my XXXX tradeline on XX/XX/year> -- 11 days later -- with zero validation provided, violating 1692g ( b ). XXXX then " verified '' this tradeline in 3 days, which is a sham investigation. PRA 's reported address ZIP code on XXXX is wrong ( XXXX reported, correct ZIP is XXXX ) and survived two investigation cycles. PRA also failed to provide written assignment notice within 30 days as required by Florida Statute 559.715. I have certified mail proof of all correspondence. PRA has provided no validation, no chain of title, no bill of sale, and no master purchase agreement as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CO

Complaint narrative:
They have not released there holding my money my card jeeps getting declined I've been on phone for 4 hours and they domt tell me anything I want my federal refund i was trying to buy a car drove 3 hours and nit able to get my funds I am filing lawsuit there rude hung up on me several times and keep telling me to wait to hear from someone e its been 2 days I want my money I have children to feed its nit professional and its nit right i am complainingto the credit karma for poor customer service tell ne they can't do anything also I had a agent mock me and say some slick things to me making fun of me amd making g me cry and feel an emotional wreck im angry and so frustrated I need someone to help me now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am filing this complaint against LoanCare, servicer for my mortgage Loan # XXXX XXXX, for repeated violations of the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X. These include failure to provide a complete response to my Qualified Written Request ( QWR ), unnecessary delays and confusion in processing a third-party authorization for my HUD housing counselor, provision of incorrect contact information, refusal to provide full representative names, conflicting internal instructions, and improper handling of my loss-mitigation application.Key timeline and facts ( full detailed chronology attached as Anna_Cordova_LoanCare_Timeline.pdf ) : XX/XX/XXXX : Sent initial QWR requesting full payment history, chain of title, endorsements/allonges, XXXX XXXX, reconveyance deed details XXXX and itemized fees. XX/XX/XXXX : XXXX XXXX provided only a partial response ( Fannie Mae owner info only ). After a Notice of Error, another person in XXXX department sent the exact same partial response again ( redundant ). XX/XX/XXXX : Received a vague acknowledgment letter that only said XXXX XXXX XXXX received your correspondence we will review the correspondence and respond accordingly. It did not provide the required documents or even confirm the status of the full QWR. XX/XX/XXXX XX/XX/XXXX : Continued confusion and conflicting instructions between XXXX, XXXX XXXX, and XXXX ; two hang-up calls after I requested next steps in writing. LoanCare has now had more than eight months since the original QWR and has still not provided a complete payment history or any explanation of how the reconveyance deed was reconciled with the current loan balance and assignment.

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 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX from Concora credit I never open this account or took any product from Them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Figure Technologies, Inc
State: TN

Complaint narrative:
I received an email stating be ready to close on your loan at XXXX XXXX Monday XX/XX/XXXX... the notary employeed by figure lending that I was being charged XXXX dollars .. arrived late .. parked in my grass became upset bc I asked her to contact Figure lending so I could be XXXX percent clear on the questions I had .. this infuriated her ... she became irate when I refused to sign documents that I told her I needed a Figure rep to explain first ... I asked her to leave .. I immediately called figure they refused to take a formal complaint ... scheduled a new notary date and then sent an email saying my application has now been declined... the notary said fraud AFTER LOOKING AT MY PHOTO ID... SEEING ME IN PERSON .. SO IF SHE SUSPECTED FRAUD WOULD SHE NOT BE COMPLICIT IN TRYING HER HARDEST TO GET ME TO SIGN DOCUMENTS I TOLD HER I NEEDED FURTHER EXPLANATIONS OF .. OBVIOUSLY THIS WAS A REVENGE TACTIC BECAUSE I REFUSED TO TOLERATE HER BEHAVIOR .. IM TAKING THIS AS FAR AS POSSIBLE ... NOBODY DESERVES TO BE TREATED LIKE THAT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
While looking at my credit report, I noticed a JP Morgan ( Chase ) credit card has been opened under my name since XXXX of XXXX. I have not opened a card or account with Chase, and I am having trouble closing this card account. I tried calling their customer support but it kept asking me for the card/account number which I do not have, and I could not find a way to use the Chase website to close the card either. I also called my bank, XXXX XXXX, but they said they could not help me since the card is opened with another bank. As far as I can tell, no charges have been made under this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX sent actual debt-related documents/images directly to my mobile phone by text message. These documents identified me and contained private debt information. The problem is that this company sent the documents without first verifying that the number belonged to me, and in fact the number they were using was wrong in their system. Because the number was wrong or unverified, sending debt documents by text created a risk that my private financial information could be disclosed to someone other than the intended consumer. This was not a neutral request to call them back. It was a direct transmission of debt information by XXXX to an incorrect or unverified number. I am requesting an investigation into whether this communication was an improper third-party disclosure and whether the company failed to maintain reasonable procedures before sending debt information electronically. I also want an explanation of how they obtained and used this number, what procedures they use to verify numbers before sending debt-related text communications, and confirmation that they will stop all text communications to this number. XXXX XXXX AND XXXX XXXX were both involved.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America Privacy Assist / ADY Privacy Assist monthly fee of {$12.00} has been charged to my credit card for the last XXXX years! Ive tried repeatedly to get Bank of America to stop the charge but they now say its not a Bank of America product anymore. I have no way of contacting this ADY Privacy Assist as no-one seems to know who they are, but my Bank of America credit card continues to be charged every month. Ive been charged thousands over the years since I first became a Bank of America customer in XXXX. Can you help me please?

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am reporting a series of unauthorized ACH transfers from my business checking account ( XXXX ) to pay a debt belonging to a former owner on an XXXX XXXX card. I discovered the charge for {$1200.00} on XX/XX/XXXX. I immediately contacted my local branch. They gave me a print out of all XXXX ACH debits from my account. I found a total of XXXX that were fraudulent : XX/XX/XXXX - {$1200.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1600.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$1000.00} Chase refused to credit any of the charges, even the one that was reported while it was still pending on XX/XX/XXXX per the XXXX XXXX policy. They were notified within the mandatory window of 48-hours. Additionally, under UCC 4A-204 the {$10000.00} transaction is considered concealed theft and was also not authorized. The merchant ( XXXX XXXX ) is pulling funds for a personal XXXX account from a corporate XXXX account. Chase failed to perform mandatory Name Matching and is incorrectly applying consumer statute-of-limitations ( Reg E ) to a business account protected by the Uniform Commercial Code ( UCC ). The person who authorized these pulls is not an authorized signer on our account. Furthermore, XXXX would not remove our Chase XXXX checking account information from the fraudulent XXXX account to prevent future withdraws and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: AZ

Complaint narrative:
Capital 1 sent XXXX to collect from me. I booked flight to the XXXX during covid. The the XXXX govt closed the country. Twice this happened. The airlines refunded me our cancelled tickets, but the travel agency name cheapoair of XXXX refused to refund both booking fees. This problem was under a natural disaster. Now my credit score is ruined. The amounts I do not have, but both total aroun {$500.00}. I refused to pay the charges so I closed both capital 1 accts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus was failed to manage their information and ignored my dispute. I still getting an inaccurate 30 day late payment remark on my XXXX account and also " No more two payemnts late '', and XXXX has already confirmed that no late payments were ever reported. The car was reselled and one time full pay-off payment was made. Even after previous CFPB report was maden and decision of changing account information was made by both and TransUnion and Equifax no one of them has changed anything. I am having hard time with getting my information correct and accurate. While the Companys can not or do not want to help me. I am trying to resolve this problem with CFPB Again. I am attaching the document of last report from bureau where it is showing all payments and last full pay-off payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Pay Pal 's, answer to my dispute on XX/XX/XXXX which starting in XX/XX/XXXX and ongoing, Does not solve my problem, I never had credit with Pay Pal, I paid XXXX who provided that educational course with my credit card as I took them. Later Pay Pal started in XXXX their scam temporary credit. My thoughts where Pay Pal was XXXX service provider. I have all my receipts. Pay Pal sent the me a copy of those receipts. I sent copies to ( CFPB ). My question! What investigations did they conduct, Pay Pal sent me the receipts that went to XXXX paid in full. Did anybody look at the receipts. My claim is valued, XXXX has never disputed me because they are aware of me paying the people who provided those classes. How did they not find the information that was provided to me, this is the second time Pay Pal investigated {$1300.00}. in which according to the documentation ( receipts ) Pay Pal dated XXXX XXXX at XXXX XXXX XXXX. Do your homework. SCAM ( Looks like to me you knew XXXX got their money. I never took money from Pay Pal. Restart your investigation, find out how, who you sent, the email to me in writing. From Pay Pal too me.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist is holding deposits from business account causing {$700.00} in overdraft fees this month. Im told they have no way to waive fees or freeze incoming transactions while I wait XXXX business days for the check to deposit. Meanwhile they are also rejecting payments from XXXX. There is no way to get my band in the positive to heavily accumulating overdraft fees. I asked to have the deposit expedited. That request was rejected. This policy feels very scam oriented and not a fair practice for overdraft protection.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FINAL NOTICE! I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. Under 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability. Pursuant to FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ) Credit Bureaus is mandated to implement the FCRA Law, As I want this Collection account deleted in my report as they are in violation 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is US law Violation of 5 U.S.C. 552a Additionally, as per FCRA, a violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by 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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
FINAL NOTICE! I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. Under 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability. Pursuant to FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ) Credit Bureaus is mandated to implement the FCRA Law, As I want this Collection account deleted in my report as they are in violation 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is US law Violation of 5 U.S.C. 552a Additionally, as per FCRA, a violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Aidvantage is the company. I'm trying to recertify my Income Based Repayment Plan XXXX I have been on it for 3 years and am eligible to remain on it until XX/XX/2028. They deny that I was previously on it and are trying to convince me to apply for a repayment option with a much higher payment which would prevent me from continuing in my current plan. If I do this I will no longer be eligible for the plan I am currently under and it is my belief they are attempting to get me to voluntarily ask for a different plan. The attached photo shows the current plain I'm under from XXXX shows that I applied for recertification

Company response to consumer: Closed with explanation