vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Chase before my account reached a 30-day delinquency because I had suffered a work-related injury and was placed on workers compensation, which significantly reduced my income. I called proactively because I wanted to keep the account in good standing and avoid negative credit reporting. During that call, a Chase representative helped set up two payments : one for XX/XX/year> in the amount of {$280.00}, and another for XX/XX/year> in the amount of {$280.00}. I was also advised to turn off my automatic payment scheduled for XX/XX/year> so it would not overlap with the new payment arrangement. I followed the representatives instructions in good faith. Afterward, I learned that the XX/XX/XXXX payment date was set beyond the XXXX reporting window and that the scheduled amount was not enough to bring the account fully current before reporting occurred. As a result, Chase reported the account as 30 days late even though I had contacted the company early, explained the hardship, requested guidance, and followed the payment plan created during the call. I have already tried to resolve this directly with Chase through multiple written goodwill requests and supporting documentation, including proof of workers compensation, work status documentation, call log information, and screenshots of the payment arrangement. Chase responded that it reports accurately, but the response did not appear to address the core issue : that I relied on the guidance provided during the XX/XX/XXXX call and the payment arrangement created by Chase contributed to the late reporting outcome. I am asking Chase to conduct a full review of the XX/XX/year> call notes, call recording if available, payment arrangement details, and the instruction to disable automatic payments. I am not claiming the account was not late by the systems reporting standard. My concern is that I proactively sought help and followed Chases guidance, yet the resulting arrangement still led to a 30-day late report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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:
On XX/XX/year>, XXXX XXXX XXXX, now also known as XXXX XXXX XXXX, in Florida provided me with a contract that promised they would supply me with inventory for an XXXX store. That day, I wired {$15000.00} through Chase Bank. They may not have conducted an adequate background check of the recipient bank account. XXXX XXXX protected their clients and participated in the money laundering and fraud. They are complicit in the scam and fraud. They refused to provide any information. XXXX XXXX XXXX run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They should be arrested. Money should be refunded. Months later, no products have been provided or were ever delivered by the culprits. No invoices, no proof of delivery, nothing. Then they disappeared. It was just a scheme to defraud me and others. I read about someone else who was defrauded out of {$30000.00} on the Better Business Bureau website. The banks don't step in and do anything. They protect fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Block, Inc.
State: FL

Complaint narrative:
i have had cashapp for a long time and just started using it again, i have used it a few times since having it again, these transactions include sending/receiving money for gas, sending money for a festival ticket, receiving money for a loved ones commissary. all of a sudden my account was permanently XXXX, and when i appealed it, all they said was it was closed for not meeting terms and conditions, but i truly dont understand how and why it was closed. thank u.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: TX

Complaint narrative:
LVNV Funding appeared on my credit report in XX/XX/year> for a XXXX XXXX debt I do not recognize. I never received a single letter or phone call from LVNV before they started reporting this. When I found out and disputed it, they came back verified but never sent me anything showing how they got this debt or that it was even mine to begin with. I have asked for proof and received nothing. No original agreement, no chain of ownership, nothing at all. I should not have this on my report based on a company that can not show me a single document.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account that is reporting on my credit report. I did not authorize, open, or consent to this account. This account appears to be connected to identity theft and fraudulent activity. The account shows a balance of approximately {$10000.00} with a credit limit of {$10000.00}, opened around XX/XX/year>. I dispute this account in full. I never applied for or used this account, and I should not be held responsible for any balance, fees, or negative reporting related to it. This fraudulent account is seriously damaging my credit because it is reporting at 100 % credit usage.

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 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NJ

Complaint narrative:
I am formally disputing two collection accounts reported by Plaza Services. I do not recognize these debts and I have reason to believe they may be inaccurate, incomplete, or not properly validated. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of both accounts. Specifically, I request the following for each account : * The name and address of the original creditor * The full amount of the alleged debt, including any fees or interest * Copies of any signed agreement or contract showing that I am legally obligated to pay * Complete account history * Proof that Plaza Services has the legal authority to collect these debts At this time, Plaza Services has not provided sufficient evidence to validate these accounts. Therefore, I am requesting that these accounts be thoroughly investigated. If these debts can not be properly verified, I request that they be immediately removed from my credit report with all credit reporting agencies. Additionally, while these accounts are in dispute, I request that they be marked as disputed on my credit file in accordance with federal law. I also request that all collection activity cease until proper validation is provided. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the accuracy of a reported late payment on the above referenced account. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am requesting validation of this report late payment. I ask that you provide : - Documentation showing that this payment was in fact late- The date the payment was due and the date it was received - Full payment History - Any agreement bearing my signature that support this claim If you are unable to provide sufficient documentation to verify the accuracy of this late payment, I request that it be removed from my credit report immediately. Additionally, if this information has been reported to any credit reporting agencies, I request that you notify them to correct or delete the inaccurate information. Please respond to this request within 30 days of receipt Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In or around late XXXX, I contacted Bank of America regarding my credit card account after experiencing financial difficulty. During that time, I spoke with representatives and was advised that a payment arrangement could be set up to keep my account in good standing while I caught up on payments. Based on the information provided to me, I followed their instructions and made payments as discussed. However, despite my efforts to comply with the arrangement, I later discovered that my account had been reported as late and negatively impacted my credit report. In addition, I was given conflicting and misleading information by different representatives. At one point, I was informed that the account would be closed, and at another time I was given different guidance about how my payments would be applied and reported. This inconsistency caused confusion and resulted in me taking actions based on inaccurate information provided by the company. Around XXXX, I reviewed my credit report and saw that the account was being reported with late payments and negative history that does not accurately reflect the agreement or understanding I had with Bank of America. This reporting has significantly impacted my credit score. I made good faith efforts to resolve the situation and relied on the information provided to me by Bank of America representatives. However, the account continues to be reported inaccurately. I am requesting that Bank of America conduct a full and thorough investigation into this matter. Due to the misinformation and improper handling of my account, I am requesting the removal of all inaccurate late payments and negative reporting associated with this account. If the information can not be properly verified, I am requesting full deletion of the account from all credit reporting agencies.

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
What happened : On XX/XX/XXXX, I was charged {$31.00} by merchant XXXX on my debit card ending in XXXX. I signed up for what was advertised as a {$0.00} trial, but the terms did not clearly disclose automatic enrollment in a recurring subscription. I cancelled immediately upon discovering the charge. What Ive tried : I contacted XXXX requesting a refund and was denied, with the company claiming it was not a one-time charge. I disputed the transaction with my bank, Chase Bank, but they refused to investigate and told me to resolve it directly with the merchant. This violates their obligations under Regulation E to investigate unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
This company is committing fraud against the IRS and U.S government. The company claims that my account is charged off and/or in collections, however I never received a 1099c for the account. When a debt is charged off that means the creditor is claiming to have written off the debt on their taxes and received a profit. It is illegal to continue reporting the account on my personal credit reports because charge offs are considered income by the IRS. Income is forbidden to be on a consumers credit report according to 15 USC 1681 ( 2 ) ( a ) ( i ). This company is also claiming they are the original creditor, and this is false due to them not having an original contract with my wet ink signature stating that I owe them as the original creditor. Furthermore, I have a right to privacy, and I consider this income as private information, therefore this account must be removed immediately. This company is also in violation of the following : 15 USC 1692c 15 USC 1692g 15 USC 1681 e ( b ) 15 USC 1635

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
This company is committing fraud against the IRS and U.S government. The company claims that my account is charged off and/or in collections, however I never received a 1099c for the account. When a debt is charged off that means the creditor is claiming to have written off the debt on their taxes and received a profit. It is illegal to continue reporting the account on my personal credit reports because charge offs are considered income by the IRS. Income is forbidden to be on a consumers credit report according to 15 USC 1681 ( 2 ) ( a ) ( i ). Furthermore, I have a right to privacy and I consider this income as private information, therefore this account must be removed immediately. This company is also in violation of the following : 15 USC 1692c 15 USC 1692g 15 USC 1681 e ( b ) 15 USC 1635

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T & I Enterprises, LLC
State: KS

Complaint narrative:
T & I Enterprises , LLC is attempting to collect an alleged debt through XXXX XXXX XXXX. I dispute this debt and do not believe the company has provided enough documentation to prove that it owns the account or has a legal right to collect it. The company has provided monthly statements and a redacted bill of sale, but the bill of sale does not clearly show my name, the full account number, or a complete chain of assignment from the original creditor to T & I Enterprises , LLC. The documents provided do not prove that this specific alleged account was lawfully transferred to T & I Enterprises , LLC. I requested documentation and validation of the alleged debt, including the full chain of assignment, proof of ownership, and documents showing how the balance was calculated. As of today, the company has not provided complete validation or the full assignment records needed to verify the debt. Despite the lack of complete validation and proof of ownership, the company and its counsel are continuing to pursue collection activity and a civil court case. I believe this is unfair and improper because they are asking me to pay or defend against a debt without first providing complete proof that they legally own it and that the amount claimed is accurate. I am asking the CFPB to require T & I Enterprises , LLC and/or its collection counsel to provide complete debt validation, including the full chain of assignment, unredacted ownership documents sufficient to identify the account, itemization of the balance, and proof that they have legal authority to collect. If they can not provide this proof, I request that they stop collection activity and correct any reporting or collection records related to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
This debt collector, CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, has sent XXXX different collections to the credit bureaus and it has appeared on my credit report. I will submit a screenshot from XXXX. It says this debt is from XXXX XXXX XXXX XXXX but as of XX/XX/year>, reporting XXXX debts on credit reports is illegal. I want this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for the American Express XXXX XXXX in XX/XX/XXXX under a promotional offer that provided a welcome bonus of XXXX points upon spending {$8000.00} within XXXX months. However, the card was not delivered to me until approximately XXXX months later, and I was only able to activate it in XX/XX/XXXX. This significantly reduced the effective time available to meet the spending requirement. I raised this issue with American Express at that time but did not receive a satisfactory resolution or adjustment to the deadline. While attempting to meet the spending requirement within the reduced timeframe, my account was repeatedly subjected to account reviews and financial reviews. During these periods : - My card usage was restricted or temporarily blocked - My spending capacity was reduced - Transactions were declined despite active efforts to complete the required spend Each time, the reviews were eventually cleared without any identified issue, and my account was restored. However, these repeated interruptions materially impacted my ability to complete the required spending within the promotional period. In the final days before the deadline ( XX/XX/XXXX ), my account was again placed under financial review, preventing me from making transactions at a critical time. Despite multiple attempts to communicate with American Express through customer support, I did not receive a clear explanation for these repeated restrictions, nor any accommodation to address their impact on my ability to meet the welcome bonus requirement. As a result, I was unable to complete the spending requirement within the stipulated period, primarily due to : - Delayed card delivery reducing the available timeframe - Repeated account restrictions and financial reviews initiated by American Express I am requesting a fair resolution, specifically : - An extension of the deadline to meet the spending requirement, or - Honoring of the welcome bonus despite these circumstances I have acted in good faith throughout and made consistent efforts to meet the promotional requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This company is committing fraud against the IRS and U.S government. The company claims that my account is charged off and/or in collections, however I never received a 1099c for the account. When a debt is charged off that means the creditor is claiming to have written off the debt on their taxes and received a profit. It is illegal to continue reporting the account on my personal credit reports because charge offs are considered income by the IRS. Income is forbidden to be on a consumers credit report according to 15 USC 1681 ( 2 ) ( a ) ( i ). Furthermore, I have a right to privacy and I consider this income as private information, therefore this account must be removed immediately. This company is also in violation of the following : 15 USC 1692c 15 USC 1692g 15 USC 1681 e ( b ) 15 USC 1635

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am reporting a fraudulent account associated with Cash App. An account was opened and/or used without my authorization using my personal information. I did not create this account and did not give anyone permission to use my identity. I became aware of this issue on [ insert date ], when I noticed [ describe how you found out e.g., unauthorized activity, notifications, or someone informing you ]. This situation appears to involve identity theft and fraud. I am concerned that my personal information has been compromised and may be used for additional unauthorized financial activity. I request that Cash App investigate this matter, close any fraudulent accounts associated with my information, and take steps to prevent further misuse. I would also like confirmation that I am not responsible for any transactions or activity related to this fraudulent account. I am submitting this complaint to seek resolution and to ensure my identity and financial information are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account that is reporting on my credit report. I did not authorize, open, or consent to this account. This account appears to be connected to XXXX XXXX and fraudulent activity. The account shows a balance of approximately {$10000.00} with a credit limit of {$10000.00}, opened around XX/XX/year>. I dispute this account in full. I never applied for or used this account, and I should not be held responsible for any balance, fees, or negative reporting related to it. This fraudulent account is seriously damaging my credit because it is reporting at XXXX % credit usage.

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