vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As a well informed consumer I am complaing about XXXX XXXX XXXX XXXX is reporting a {$1400.00} medical collection account tied to XXXX XXXX XXXX under account number XXXX. I never authorized the sale or disclosure of my protected health information to this company. The provider transferred nonpublic medical data to this collector without my written consent and the collector is using that information to report a debt. No itemized billing has been provided, no assignment or authorization for my XXXX has been shown, and the debt remains unverified. This constitutes violations of the Fair Debt Collection Practices Act and the Health Insurance Portability and Accountability Act. 

The account must be permanently removed from all credit reporting agencies and all collection efforts must cease. I demand written confirmation that all records containing my protected health information have been purged and will not be resold, reassigned, or reported again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: SC

Complaint narrative:
On XX/XX/year> my XXXX account was frozen and I was told they had XXXX days to investigate and after that time they would release my funds via check if they seen fit. After XXXX days I requested my money and they started the whole process over again. I can still log into my account and see the funds still in the account however my account is still frozen. And for some reason the original emails between us have vanished. The first email I can see between XXXX  and myself begin XX/XX/year>. I went through the whole process of sending identification and the emails disappeared. Every year since then I have tried to recover my money and every year the same result. The account has {$610.00} in it and I could really use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — FHA 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: NJ

Complaint narrative:
Company : LoanCare , LLC Loan Number : XXXX I submitted a Notice of Error and complete loss-mitigation application under RESPA / Regulation X ( 12 C.F.R. 1024.35 and 1024.41 ). LoanCare failed to acknowledge or respond within five business days, as required by law.

LoanCare also failed to provide timely written notice that the application was incomplete, failed to identify any missing documents, and continued collection activity while the application was pending. 
Additionally, LoanCare never disclosed that exceeding a 12-month forbearance would allegedly bar loan-modification eligibility, despite recorded calls where I stated I was selling the property and relying on loss-mitigation protections.

I am a titled owner and hold recorded Powers of Attorney for the borrowers, which LoanCare has accepted and used to communicate with me previously.

As of now, the property is under contract with a buyer, and LoanCare has still failed to respond to my Notice of Error or provide a lawful path to resolution. This conduct appears designed to delay, intimidate, and force foreclosure rather than comply with federal servicing requirements.

I request CFPB intervention to compel LoanCare to : 1. Acknowledge and correct the Notice of Error 2. Conduct a full loss-mitigation review 3. Suspend foreclosure activity 4. Provide a written response compliant with Regulation X

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
This is in response to CFPB Complaint # XXXX -- -i will attach to this complaint I will attach the screenshot of how this account is being reported incorrectly on my consumer report and yet unresolved. 

I am disputing Concora Credit Inc. and XXXX XXXX XXXX XXXXXXXX response to my prior CFPB complaint regarding my Milestone Mastercard account. 

The response fails to address violations of the Fair Credit Billing Act ( FCBA ) and relies on conclusory statements rather than evidence establishing the accuracy or authorization of the alleged debt. 

Failure to Comply With FCBA Billing Error Requirements I submitted a written billing dispute regarding the alleged {$450.00} balance and inaccurate credit reporting. Under 15 U.S.C. 1666 ( a ), the creditor was required to conduct a reasonable investigation and either correct the account or explain, with evidence, why the balance is accurate. 

Instead, Concora issued a generic response asserting that it is authorized to report without addressing the specific billing errors raised. 

This constitutes a violation of 15 U.S.C. 1666 ( a ).

Failure to Prove Charges Were Authorized Concora has not produced a contract or agreement bearing my signature, nor any documentation demonstrating that the alleged charges were authorized by me.

A billing error includes charges not made or authorized by the consumer. Continuing to assert liability without proof violates 15 U.S.C. 1666 ( b ) ( 1 ).

Account printouts and billing statements do not establish consumer authorization Failure to Substantiate the Amount Allegedly Owed Concora has failed to substantiate how the alleged {$450.00} balance was calculated, particularly where the same account is reported inconsistently across consumer reporting agencies, including : One bureau reporting the account as open, current, and {$0.00} balance Others reporting closed, 60 days late, and {$450.00} balance Conflicting monthly payment obligations This constitutes a violation of 15 U.S.C. 1666a ( a ).

Improper Credit Reporting During an Unresolved Billing Dispute Despite the unresolved billing dispute, Concora continued adverse credit reporting without correcting inaccuracies or ensuring consistent reporting across CRAs.

This conduct frustrates the purpose of the FCBA and results in ongoing consumer harm I am forwarding this to the NYS Attorney General 's office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I am disputing the Credence RM collection account on my credit report. I have never entered into any contractual agreement with Credence RM. Credence RM is not the original creditor and has failed to provide proof of legal ownership, consumer authorization, or a valid contract. 

In addition, the account is inaccurately reporting charge-off status and is missing the required Date of First Delinquency under FCRA 605 ( c ).

Due to inaccurate status reporting, missing delinquency dates, and lack of proof of assignment or contractual obligation, I demand immediate deletion of this account under FCRA 611 and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing this complaint regarding a failure by Chase to fulfill a rewards redemption and their subsequent failure to refund my XXXX XXXX  points or provide a resolution after more than 60 days. 


Details of the Issue : Transaction Date : XXXX Item Ordered : XXXX XXXX pro via the " Shops at Chase '' XXXX XXXX. 
XXXX : 15 % discount/bonus on point redemptions for XXXX products XXXX 
Points Deducted : XXXX pts Timeline of Events : Order Placement : I successfully placed the order and points were immediately debited from my account. 

30-Day Mark : I contacted Chase as the order had not arrived. I was told the order " could not be found in the system, '' yet it had not been cancelled and my points had not been returned. 

45-Day Mark : I called again to follow up. The case was allegedly " escalated '' to the fulfillment team ( The Shops at Chase ). 

70-Day Mark ( Present ) : It has now been over two months. I have received XXXX updates, no tracking information, and no refund of my points. I am essentially being " held hostage '' Chase has my rewards currency, but I have no product and no way to use those points elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding Citibanks closure of my long-standing business credit card account, which I have maintained for approximately XXXX years with an excellent payment history and no prior issues. 

In XXXX, I opened a new Citi AAdvantage business credit card and added an authorized user. Without my knowledge at the time, the authorized user made multiple payments on the new account that were later returned. Once I became aware of the issue, the authorized user was immediately removed. 

As a result of this activity, Citibank closed the newly opened AAdvantage account. However, shortly thereafter, Citibank also closed my original business credit card account the one I have held for approximately XXXX  years despite the fact that this legacy account has never had late payments, returned payments, or any adverse account performance and carried a substantial credit limit. 

When I contacted Citibank for clarification, I was told the closure was due to account performance. I explained that this specific account has had flawless performance for over XXXX decades. I was advised that I needed to speak with another department for further review. 

I have made multiple good-faith attempts to resolve this issue directly by phone. On XXXX occasion, I waited over an hour before the call disconnected because the department I was transferred to was closed. On subsequent calls, I remained on hold for extended periods after being told my call would be answered within XXXX minutes. Most recently, I was transferred to an incorrect department, and the representative stated I would need to call back and ended the interaction without attempting to authenticate me or review my account. 

Despite repeated efforts, I have been unable to reach any department capable of reviewing or explaining the closure decision. 

The closure of my long-standing account appears to be a relationship-level risk action tied to activity on a separate, newer account rather than any performance issue with the legacy account itself. This action has caused significant disruption to my business operations and credit profile despite my long history of responsible account management with Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
once again bank of america is holding my funds and creating a financial hardship. i have no money, its a bad storm. i was sent funds from a XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis is not a new or " suspicious '' sender. she is in my contacts and we have exchanged funds numerous times through zelle and bank of america. she is also a bank of america XXXX. i have no power and need the full amount. she did XXXX XXXX transactions XXXX for XXXX and XXXX for XXXX they are holding the XXXX i need it to pay for gas and services during this severe storm. now im short the funds and can not afford food and services to help restore power. bank of america has caused me financial hardships numerous times. the last time i initiated litigation and bank of america lied and tried to send documentation after the fact stating they informed me of the hold in writing which was inaccurate and untrue. now i feel like XXXX being targeted. bank of america has a long history oXXXX XXXX XXXX XXXX  ( this has been documented ). i will add this as an exhibit in the active case. i am XXXX and i am on a fixed income once a month. this situation is worse than the last its below freezing and i am waiting for bank of america to release XXXX that was sent via zelle which should be instant. then offered me a loan of XXXX with interest instead of releasing my funds. ive already requested my social security be sent to another institution. as soon as this is confirmed i will be closing this account. until then i am at their mercy. representative stated account is flagged and has been for " suspicious activity ''. or is it because i am a 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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica
State: MI

Complaint narrative:
I opened a ( XXXX XXXX  ) XXXX  account through my XXXX account and XXXX XXXX said, since I it is a brand new account that they needed copies of my identification and social security card to access my funds. I emailed my identification to them, to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX. I opened a Citibank account in person on XX/XX/year> through a personal banker, XXXX XXXX, at the XXXX XXXX XXXX XXXX. 

XXXX. Within hours of opening the account, my XXXX access became restricted. Shortly after that, I began experiencing broader account access problems. 

XXXX. When I call Citibank customer service and enter my identifying information, I receive an automated message stating : This account cant be serviced right now. This message often prevents me from reaching a live representative. 

XXXX. On XXXX occasion when I was able to reach customer service by bypassing certain prompts, a representative stated that no account existed under my Social Security number, despite the account having been opened in person. 

XXXX. During another call, a supervisor behaved unprofessionally, spoke over me, dismissed my statements as not facts, and disconnected the call without resolving the issue. 

XXXX. I am also unable to access my online banking. Login attempts fail, and password reset attempts result in system errors, leaving me completely locked out of my account. 

XXXX. I contacted XXXX XXXX directly and was advised that this issue must be resolved internally by Citibank. XXXX can not remove the restriction on their end and requires Citibanks appropriate internal department to address the issue. 

XXXX. I repeatedly contacted my personal banker, XXXX XXXX, explaining that I can not access online banking, that I receive an automated message stating my account can not be serviced, and that customer service is therefore inaccessible. 

XXXX. Despite this, I was repeatedly instructed to call the same customer service number again or visit a branch, without any confirmation that the appropriate internal departments would be involved or that the underlying account restriction would be addressed. 

XXXX. My XX/XX/year> email initially went unanswered for multiple business days. I only received contact after I reached out to a branch XXXX at a different location. 

XXXX. As of today, I can not access my online banking, can not reliably reach customer service by phone, and my XXXX access remains restricted with no clear explanation or resolution from Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Failed to give me my refunds timely, accurately or at all when they closed my accounts without notice. I waited over 2 years for a response and they didn't even pay me accurately and they still refuse to provide me any documentation Ive requested for validation and review. This has inflicted significant financial harm to my family and financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX in XXXX Michigan salesman said I wouldn't have any interest for 18 months and am currently being charged {$15.00} a payment and they'll keep raising interest after my payments, they also would not pick the furniture back up I don't want because of the extremely high interest. The news reported a cap of interest rates i'm sure it won't apply to Synchrony

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this claim because Capital One have given me the credit of XXXX, which Is stated below. Meaning from XXXX, See attachment. However as of XX/XX/XXXX, now they are denied my claim in the amount of XXXX Please see attachment. 


Sign in to your account Sign in Capital One XXXX XXXX Account ending in XXXX Were looking into your disputed transactions Re : Claim # XXXX XXXX XXXX, Were investigating your disputed transactions. In the meantime, we deposited a temporary credit into your account on XX/XX/year>, for {$750.00}. This money is immediately available but may be removed as a result of our investigation. 


Capital One XXXX XXXX Account ending in XXXX Your claims been denied Re : Claim # XXXX XXXX XXXX, We finished researching your disputes, and your claim has been denied because : The information the merchant provided shows that this transaction is valid. 
Well remove the temporary credits totaling {$750.00} from your account on XX/XX/year>, which will affect your account balance. Well also remove from your account any interest and/or finance charges given on that temporary credit. Youll see this reflected in your account transaction history and on your monthly statement. 

Be sure to make any changes or updates to prescheduled payments or transfers that might be affected. 

To request copies of any documentation used to make this decision, call us at XXXX. 

Download the Capital One Mobile app Download the Capital One Mobile app.

Important information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book. 

This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted.

Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.

Please do not reply to this message, as this email inbox is not monitored. To contact us, visit XXXX. 

Member FDIC Products and services are offered by Capital One , N.A., Member FDIC. 

XXXX  Capital One. Capital One is a federally registered service mark. 

XXXX XXXX XXXX On XX/XX/year>, My information my dispose on Capital One Bank Website All My Social Security Number and along with ID and address. These are fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I closed my XXXX  account by paying {$960.00} in a one-time payment on a recorded line with a XXXX representative. I was advised this was the full amount owed to the company to pay off all products and services. My account was immediately closed and all services discontinued. Then, on XX/XX/XXXX, I received an invoice from a bill collector for {$440.00}. My household believed this and other correspondence to be a scam as the amount made no sense and there was no explanation of charges or services. We verbally requested an itemized list of costs which was not provided, instead only a bill showing an account balance was mailed. We continued to treat this as a scam as that's what all signs pointed to. On XX/XX/XXXX, I noticed this collection was posted against my credit. I believe this is a false charge with no grounding in services or products rendered by the company as all of our services were discontinued on XX/XX/XXXX and all accounts were paid off at that time. We moved homes and changed service providers on this date, never to interact with XXXX or their products or services again since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation