vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a XXXX XXXX adult with a XXXX history of steady employment XXXX federal tax filings. I am filing this complaint against Bank of America for illegal account restriction, age-based misclassification, XXXX facilitating financial exploitation. Recently, my mother ( acting as a XXXX XXXX XXXX XXXX ) XXXX her father ( a practicing attorney ) opened or modified an account in my name at this institution. Despite being nearly XXXX years old, I have been intentionally XXXX inaccurately listed as a 'minor ' or 'underage ' in the banks system. Because of this false classification, the bank has allowed my mother XXXX place a hard spending limit on my account, restricting me XXXX a 'weekly allowance ' of only {$82.00} of my own earned wages. I have been denied full access to my XXXX years of earnings XXXX current paychecks. I did not have independent legal representation when the XXXX was signed, XXXX there is no court-ordered guardianship or conservatorship in place. By allowing an adult taxpayer XXXX be coded as a 'minor ' XXXX restrict their funds, the bank is in violation of 'Know Your Customer ' ( KYC ) regulations and is enabling the deprivation of my financial autonomy. I am requesting that the bank : Immediately correct my account status XXXX reflect my legal age of XXXX. Remove all 'minor-based ' or XXXX ' spending restrictions. Provide a full accounting of all deposits XXXX withdrawals made by the XXXX ( my mother ) over the life of this account. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
I am disputing an alleged debt that XXXX XXXX XXXX XXXX and its debt collector, Bounce AI, are attempting XXXX collect. The charges are factually incorrect, unsupported by evidence, and violate my lease agreement. XXXX. False claim about blinds replacement The property XXXX claimed that blinds were replaced and submitted a completed blinds work order. This is false. No blinds were ever replaced during my tenancy. My movein inspection form clearly documents that the blinds were already damaged before I moved in. I repeatedly requested evidence of the alleged work order ( date, time, staff name, purchase/installation records, photos ), but none has ever been provided. XXXX. Improper stormwater charges My leases XXXX XXXX states that stormwater charges are included under sewer charges. Despite this, the property billed me separately for stormwater fees for XXXX months. These charges violate the lease and should have been refunded, not included in a claim. XXXX. XXXX paid the claim without verifying accuracy Before XXXX paid the claim, I provided them with documentation showing the charges were false, including my movein inspection form, lease pages, and email correspondence with the property XXXX. XXXX paid the claim anyway, without verifying accuracy or reviewing the evidence. XXXX unilateral payment does not create a valid debt. XXXX. Bounce AI failed XXXX provide proper debt validation Bounce AIs verification notice only repeated XXXX internal records ( claim date, payment date, policy number ). It did not validate the underlying charges or provide any evidence supporting the blinds or stormwater charges. Despite this, they stated they would proceed with collection. XXXX. The debt is not valid XXXX XXXX own Terms and Conditions, I am responsible only for valid charges properly assessed by the property. The blinds charge is invalid because the damage was preexisting. The stormwater charges are invalid because they violate the lease. Therefore, I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer XXXX XXXX XXXX Complaint Details Issue : XXXX unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. 180-day hold ended XX/XX/XXXX ( balance {$2500.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$2500.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
FORMAL CONSUMER COMPLAINT Request for Immediate Account Closure and Refund Date : XX/XX/year> To : Chase XXXX XXXX JPMorgan Chase & Co . XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, XXXX Email : XXXX Dear Chase XXXX XXXX, I am writing to formally dispute the charges associated with my XXXX XXXX XXXX credit card issued by Chase and to request the immediate closure of my account and a full refund of the fees that have been unfairly charged. I received the credit card through an XXXX promotional offer. However, I have never used the card for any purchases or transactions. Despite this, I have already been charged and forced to pay {$140.00} in fees. In addition, I have contacted Chase twice requesting that this account be closed, yet the account remains open, and I am still being charged an additional {$74.00} fee. This situation is unacceptable for the following reasons : The card has never been used. I have already requested account closure twice. I have already paid {$140.00} in fees without any legitimate use of the card. Chase continues to charge additional fees even after my request to close the account. Therefore, I respectfully request the following actions : XXXX closure of the XXXX XXXX XXXX account. A full refund of the {$140.00} that I was charged. Removal of any pending or future charges, including the additional {$74.00} fee. Written confirmation that the account has been closed with no negative impact on my credit report. If this matter is not resolved promptly, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. I expect Chase Bank to correct this issue immediately and handle this matter in a fair and responsible manner. Sincerely, XXXX. XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
I closed a secured account, and they had my money and then charged me additional fees and interest after I closed the account trying to extort money from 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 monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Well my refund was misapplied to PayPal inc, it was supposed to be sent to original sender however they made a payment to PayPal inc instead of refunding my funds. PayPal is insisting they dont have the funds but its sitting in their internal ledger this is a tax refund I have a hardship they wont investigate they will not refund me nor will they give me a provisional credit this was XXXX $ that I am now out of I cant pay my utilities or relocate due to XXXX XXXX. I am in need of this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I had my yearly escrow review and was sent out paperwork saying I over paid {$1400.00} and that my monthly payment went down from {$1600.00} to {$1600.00} starting XX/XX/XXXX I received a call on the phone from the escrow company telling me not to cash the check for the refund I told the lady on the phone I have received no refund, she told me they had stopped payment on the check and would issue a check for the right amount, I asked her if I had not received a check how will I know the right XXXX, she stated that if it was after the XXXX it would be the right check, another couple weeks have passed I have received nothing, I tried to call after several times never able to get to speak to anyone XXXX hold for an hour several times so I resorted to the website and sent an email where I got confirmation they received it. The email confirmation said I would be contacted in I believe XXXX days, this time has passed and another week, I receive my mortgage statement saying my new payment for XX/XX/XXXX is in fact {$1600.00} and it states I was issued a refund for {$600.00} on XX/XX/XXXX I have received no refund no explanation why my refund wend down so low from the {$1400.00} to the now {$600.00} nothing showing the accounting if there were an error, no explanations, no accountability for their wrong doing just silence, I also asked them to look at removing the mortgage insurance and suggested I should be close to the 80 % required by law should they think afer 13 years of no missed payments I'm some kind of risk. In my mind they have stolen from me my refund, where is it? also why are they able to not have to pay me interest on my money they have held as an interest free loan? They need to have a phone number for issues like this to be able to talk to someone not wait on hold this is bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: AZ

Complaint narrative:
{$2000.00} was taken out of my debit card on XX/XX/year>. This charge was not authorized. I disputed the charge with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit reports that has been re-aged in violation of the FCRA. The account ending in XXXX originally from XXXX XXXX has been reported with an updated balance every single month making the debt appear more recent than it actually is. This constitutes re-aging which artificially extends how long negative information appears on my credit report and damages my credit score. I have disputed this account with all three credit bureaus. I am requesting that Portfolio Recovery Associates immediately cease re-aging this account and correct the reporting or delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Bilt withdrew funds from my bank account XXXX XXXX XXXX XXXX ) XXXX make a mortgage payment for the amount of ( {$2600.00} ) on XX/XX/year> - ACH Transaction ID XXXX, but the payment was never delivered XXXX my mortgage servicer ( XXXX XXXX ) It has been over XXXX weeks since the withdrawal XXXX the mortgage servicer has confirmed they have not received the payment. Bilt has not provided a resolution or confirmation of where the funds are currently located.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer XXXX XXXX XXXX Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. 180-day hold ended XX/XX/XXXX ( balance {$1100.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$1100.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Since XX/XX/XXXX of 2026 on XXXX plus television XXXX several other stations on antenna television I have contacted the XXXX communication commission which they tell me they don't handle complaints about the situation with these commercials Tv audience is being harrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am writing to formally dispute the collection account your company is furnishing to consumer reporting agencies regarding an alleged obligation originally associated with XXXX XXXX XXXX. I dispute the accuracy, completeness, and legal enforceability of this account in its entirety pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act. Please conduct a reasonable investigation and provide competent documentation sufficient to substantiate the reporting of this account, including : A copy of the original signed agreement or contract establishing my liability Complete account statements and payment history from origination to charge-off Documentation evidencing lawful assignment or transfer of the debt to LVNV Funding The calculation of the balance claimed, including interest or fees The date of first delinquency used for credit reporting purposes Documentation demonstrating your authority to collect and furnish this debt If you are unable to provide documentation sufficient to verify the accuracy and completeness of this account, you must delete the tradeline from all consumer reporting agencies to ensure compliance with federal law. Please note that continued reporting of information that can not be verified may constitute furnishing inaccurate information. This letter is was mailed out XX/XX/year> and I have not received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: InDebted Corporation
State: CA

Complaint narrative:
I was notified that my credit card account with XXXX XXXX opened on or around XX/XX/year>, was charged off and allegedly all rights, title and interest to/in the contract and associated debt was assigned to XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX I had disputed the account with the credit bureaus, and the dispute was closed claiming it was valid. Months later I started receiving persistent ( daily up to monthly ) correspondence from a company called InDebted who allegedly was contacting me on behalf of XXXX. Seeing that this was already the fourth entity regarding the same debt, I felt there was a break in the chain of title and I requested proof that they in fact had been assigned and thereby had standing to collect the debt they claimed I owed to them. I sent three notices requesting the same thing, with a final notice sent today, XX/XX/XXXX. I notified them that since I was unable to verify the chain of title, I am left to assume they do not possess the proper assignment with a bill of sale, and do not have the evidentiary chain of title I requested. This leaves no other conclusion than they have no standing to collect on this alleged debt and it should be removed, and collection activity should halt per FDCPA, 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Charge me high interest rates repossessed the car during the XXXX pandemic when I was out of work then charge me {$1000.00} a month

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 2026-03-11 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: Chime Financial Inc
State: IN

Complaint narrative:
So I reported to Chime that my card was missing and there was a transaction for XXXX in a total of {$34.00} and they denied my dispute then I asked for it to be reopened they reopened my dispute and I uploaded XXXX documents that proved I didn't make the transaction I gave them a message from one of my coworkers and he even said that he used my chime card at XXXX and even stated that he had my wallet and my card so I said ok I'll be there tonight to come and pick it up he said ok then I told them when that transaction happened I was at work I work from XXXX XXXX to XXXX I'm part time I work for a company that host private events at party 's and I provided a document from work that was signed by my boss that proved I was at work at that time chime did not care they still denied it so I ended up closing the account with them I can't wait until they hear that I have already filled to sue them I have consulted with my lawyer about the issue since XXXX tonight and he has already stated that they probably knew it was fraud but didn't care and chime had even stated that they knew it was fraud but didn't bother to give me my money back so at this point I could care less if they even succeed in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I am filing a formal complaint regarding an inaccurate collection account being reported under the name Cavalry Portfolio SE in the amount of {$8000.00}, last reported on XX/XX/2026. I have previously disputed this account because I do not believe the information being reported is accurate or properly verified. During my dispute, I specifically requested that the collection agency provide documentation verifying that I am legally responsible for this alleged debt. I asked for a copy of the original contract agreement bearing my signature and any documentation proving the transfer or assignment of the debt to their company. To date, the company has failed to provide any contract, signed agreement, or validating documentation that proves I entered into a binding agreement or that they have the legal authority to collect this debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In Synchrony bank website, I can only see 12 months statement. Synchrony Bank is refusing to provide historical statements older than 12 months. These statements are necessary for me to review the interest charges and account history. I need the e version of 3 years statement of my credit card for dispute issue

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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
SoFi lending corp has contacted me XXXXtimes within the period of XXXXdays now harassing me affecting my work hours over a personal loan payment thats not even XXXX days late Its XXXX as I have proof. They have texted me. Emailed me and called consistently when the account isnt even considered delinquent until XXXXdays late if Im not mistaken.

Company response to consumer: Closed with explanation