vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding American Expresss improper handling of a billing dispute related to a hotel booking made through XXXX. The charge in question is dated XX/XX/year>, for a stay at XXXX XXXX XXXX. During this stay, I experienced significant service failures, including denial of basic accommodations, lack of housekeeping, and hostile treatment by hotel staff. I was also pressured to sign documentation that did not accurately reflect my checkout date. Due to these conditions, I was forced to check out early on XX/XX/XXXX, despite having a confirmed reservation through XX/XX/XXXX. I reported these issues in real time ( including on XX/XX/XXXX and XX/XX/XXXX ). However, XXXX later provided information indicating that no such contact occurred, which is factually incorrect. American Express denied my dispute while relying on this inaccurate or incomplete information and without conducting a fair and thorough investigation. I believe this constitutes improper dispute handling and a failure to meet reasonable standards of fairness and consumer protection. This matter is not only about the financial loss for the unused portion of the stay, but also about the principle of fair treatment and accurate evaluation of disputes. I am requesting : 1. Immediate reopening and reassessment of the dispute 2. A full refund for the unused portion of the charge 3. A clear explanation of how the dispute was evaluated and denied I expect this matter to be reviewed properly and resolved in a fair and reasonable manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 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: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
The transaction date is XX/XX/XXXX. Amount : XXXX ( was purchased with XXXX and it was distributed in four different amounts ). I am filing this complaint regarding my credit card companys failure to properly investigate and support my dispute involving a counterfeit item. I requested a chargeback for a transaction in which I received merchandise that was materially not as described and counterfeit. The XXXX XXXXwas advertised and sold as authentic. However, upon receipt and careful inspection, I identified clear discrepancies in the tags, stitching, and overall quality, all of which indicate that the item is not genuine. I have retained photo evidence documenting these issues. After discovering the problem, I made multiple attempts to contact the seller through the marketplace platform ( XXXX ) to request a return and resolution. The seller failed to respond to any of my messages and did not provide a return address or any instructions. As a result, I was unable to complete a return within the platforms stated 30-day return window. This delay was not due to any inaction on my part, but rather the sellers complete lack of cooperation. Without a response or return authorization, I had no reasonable way to return the item. Counterfeit goods are a clear violation of marketplace policies and fall under item not as described. This situation should not have been treated as a standard return issue, but rather as a case involving fraud and misrepresentation. Despite providing this information, my credit card company failed to adequately support my dispute or properly consider the evidence presented. I am requesting that this matter be reconsidered and that my chargeback be fairly reviewed in accordance with consumer protection standards. I also made multiple attempts to Huntington credit card company to dispute the charge. However, I experienced extremely long wait times, making it difficult and time-consuming to reach a representative. When I was able to speak with a representatives, I received inconsistent and conflicting information about my case, with different representatives providing different explanations and instructions. This lack of clear and consistent communication made the process very frustrating and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or around XX/XX/year>, my account with JPMorgan Chase was restricted and later closed after receiving approximately {$72000.00} in legitimate card payments for services provided through my business. I submitted documentation including invoices and proof of customer authorization. There are no chargebacks or disputes associated with these transactions. Despite this, Chase placed my funds on a 120-day hold and denied my appeal without providing a clear explanation. I am requesting the release of my funds or a detailed explanation supported by evidence justifying the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I've had a sofi account for a whole but recently had a settlement check deposited due to losing my mom due to negligence. I recently purchased a car and paid some money via wire transfer to my landlord for back pay. I received no notification, no email that my account was locked, I found out on XXXX. XXXX after trying to order some food for my family. I called and went through verifying every transaction that I made, as well as verify identity. I was then told it would be fixed within 24 hours. I called this morning XXXX and was told that it would take another 24 hours to fix this situation. When asked what else was needed I kept getting the run around and no definite answer or solution even when I requested a manager. I have to pay the remaining owed to my landlord, as well as the remaining to the dealership tomorrow XXXX before eviction or losing the car I've already paid a good amount towards. This is become extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Valon Technologies, Inc.
State: MI

Complaint narrative:
Had pay cut starting last XXXX. Started to not be able to pay my mortgage. Applied XX/XX/year> for pause payment with valon mortgage. Called them many times they said anyone in customer service can help. Was denied pause of mortgage about two weeks ago. My pay went down again this month. Can't pay mortgage. Tried to appeal it they kept asking for bank statement all same stuff I already sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX ( XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Harassment and Aggressive Communication : XXXX representatives have contacted me repeatedly by phone despite my verbal requests for them to stop calling me. Failure to Validate Debt : I sent a formal written request for debt validation to XXXX via Mail on [ XXXX ]. Under 15 U.S.C. 1692g, a collector must provide proof of the debt and cease collection until they do so. XXXX has failed to respond to my request or provide any documentation verifying the original creditor, the amount owed, or their legal right to collect it. Illegal Continued Collection : Despite my pending dispute and their failure to validate the debt, XXXX has continued their collection efforts, which is a direct violation of federal law. Credit Reporting Violations : XXXX is reporting this unverified debt to the credit bureaus. They have refused to remove the entry despite my formal disputes with them and the bureaus. Reporting information they know to be inaccurate or unverified violates the FCRA.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide proper documentation showing that I am legally obligated to pay it. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. An itemized breakdown of the amount claimed, including principal, interest, fees, and any other charges 4. Copies of any contract, agreement, signature, or other documents showing I agreed to this debt 5. Proof that your company is legally authorized to collect this debt 6. Documentation showing the chain of assignment if this debt was sold or transferred 7. The date of the last payment made on this account 8. Proof that the debt is within the applicable statute of limitations Until you provide the requested validation, you must cease all collection activity, including phone calls, letters, credit reporting, and any legal threats regarding this matter. If this debt has already been reported to any credit bureau, please mark it as disputed. I also request that all future communication regarding this matter be made in writing only. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide proper documentation showing that I am legally obligated to pay it. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. An itemized breakdown of the amount claimed, including principal, interest, fees, and any other charges 4. Copies of any contract, agreement, signature, or other documents showing I agreed to this debt 5. Proof that your company is legally authorized to collect this debt 6. Documentation showing the chain of assignment if this debt was sold or transferred 7. The date of the last payment made on this account 8. Proof that the debt is within the applicable statute of limitations Until you provide the requested validation, you must cease all collection activity, including phone calls, letters, credit reporting, and any legal threats regarding this matter. If this debt has already been reported to any credit bureau, please mark it as disputed. I also request that all future communication regarding this matter be made in writing only. Thank you for your prompt attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
At the end of XXXX I noticed numerous charges on my Bank of America business account that were not authorized. I disputed the charges and asked for a provisional credit as I am a small business and need to pay basic bills. I stressed to the bank that my power would be shut off at my place of business if I did not receive these funds. Well a week went by, my power was shut off, I lost about {$25000.00} worth of inventory that needed to stay in a deep freezer to preserve it. I can not accept new customers as the power is out. On the 10th day of Bank of America investigating my claim, they told me the claim was denied. They told me it was denied on the basis that the transactions were Aunthenticated using my XXXX XXXX. I told them that this was the case from the very beginning when I filed the claim, and that I worked with XXXX customer support to secure my account. The transactions were 100 % unauthorized. Whether authenticated with my device or not. All charges were made to the same vendor, charges are consistent to fraudulent patterns. Test charges, multiple successive charges one after the other, and dollar amount ramping up with each charge.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: MI

Complaint narrative:
I am in receipt of your XX/XX/year> response regarding my complaint. I strongly dispute Schwab Banks conclusion and rejection of reimbursement. Your determination relies on the assertion that I shared account access information with a XXXX perpetrator. This characterization is both incomplete and misleading. At no point did I knowingly authorize a XXXX wire transfer, nor did I intend to grant access for any unauthorized activity. I was the XXXX of a XXXX, and Schwabs security procedures failed to detect or prevent a clearly suspicious transaction. Your response cites internal security procedures and the Deposit Account Agreement ; however, it does not address several critical issues : XXXX. Failure of Fraud Detection Controls The transaction in question should have triggered enhanced scrutiny based on its nature, timing, and deviation from my normal account behavior. Please provide documentation of any fraud detection flags, alerts, or internal reviews conducted. XXXX. Authentication and Authorization Evidence You state that the transaction was authenticated in accordance with your procedures. I formally request : * All records of authentication ( IP logs, device identification, timestamps ) * Copies of any recorded phone calls or confirmations * Details of the specific security steps used to verify the transaction XXXX. Commercial Reasonableness Standard Your reliance on commercially reasonable security procedures is conclusory. Please provide a detailed explanation of how your procedures meet this standard under applicable law, particularly given the outcome. XXXX. Consumer Protection Obligations As a regulated financial institution, Schwab has a duty to implement effective safeguards against fraud. Simply shifting responsibility to the customer without demonstrating the adequacy and execution of your controls is insufficient. Given these unresolved issues, I request that Schwab Bank : * Reopen this investigation * Provide the documentation outlined above within XXXX business days * Reconsider reimbursement based on a full and fair review of the facts If this matter is not satisfactorily resolved, I will pursue all available remedies, including escalation through the CFPB, regulatory complaints, and legal action for recovery of damages. I expect a substantive response addressing each of the points raised above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I lost my job and I am trying to go through a company. XXXX XXXX to consolidate all my loans. I simply do not have money to pay back everything i owe currently. I sent an email to some of my finance companies and most were fairly easy to work with. However, World finance has been a struggle. This was the letter I sent, with their response, and yet they continue to call me every single day. I am not sure if I am in the wrong, or what I need to do. I am sorry that I can't pay but like every single day getting non stop phone calls is crazy especially after I have asked to be notified my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
STATEMENT OF ISSUE AND GOVERNING LAW 5. Under 12 CFR 1026.4, a finance charge is defined as the cost of consumer credit expressed as a dollar amount and excludes charges payable in a comparable cash transaction. XXXX. Under 12 CFR 1026.2 ( a ) ( 17 ), the definition of creditor and related disclosures do not include a down payment as part of the finance charge. XXXX. Additionally, pursuant to : o 12 CFR 1026.17 General disclosure requirements ( clear and conspicuous disclosures ) o 12 CFR 1026.18 Content of disclosures ( finance charge, APR, amount financed, total of payments ) o 15 U.S.C. 1638 Required disclosures in consumer credit transactions o 15 U.S.C. 1635 and 12 CFR 1026.23 Right of rescission ( where applicable ) o 15 U.S.C. 1640 Civil liability for disclosure violations XXXX. In connection with the above-referenced transaction, I provided a {$13000.00} down payment, and was also charged additional fees including : o {$350.00} registration/title fee o {$290.00} clerical fee o {$400.00} document delivery fee XXXX. The classification, disclosure, and accounting of these amounts remain unclear and unverified. XXXX. This raises material issues concerning : Accuracy and completeness of disclosures Proper classification of funds and fees Whether such fees should have been included in the finance charge under 12 CFR 1026.4 Proper application and accounting of all funds received Compliance with federal disclosure requirements ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I had XXXX to my account with Chase Bank. Lost money. I filed a complaint here # XXXX the issue was not resolved and complaint closed. XXXX months after my complaint the bank sent a letter stating they are putting my accounts on hold for protection. Its been almost XXXX months since I had access to my accounts. My money has also not be refunded. the bank has not made any attempt to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
This complaint is about a personal installment loan used to finance a solar system that was not properly completed and is defective. The system was installed by XXXX XXXX XXXX, which is now out of business. The system was never properly handed over to me at installation. I was never provided monitoring access, which is required to view system performance and functionality. I have since confirmed that only authorized installers can provide monitoring access and system functionality. Because my original installer is no longer in business, I am now being required to pay a new installer out of pocket to gain access that should have been provided at installation. In addition, the system has at least XXXX non-functioning panel, and the installation has caused roof leaks and property damage. The installer previously attempted repairs but then stopped responding and abandoned the project. Because I do not have monitoring access, I can not verify system performance or identify additional issues. I am effectively unable to access or properly use my solar system without incurring additional costs. Despite these issues, I am still being billed on the loan. I contacted GoodLeap to open a formal dispute, provided documentation, and was told I would receive a callback. I also sent multiple emails. However, the company has failed to respond and did not follow through on the promised callback. Under the Holder Rule, the lender is subject to all claims and defenses I have against the installer. The system was not fully delivered, is defective, and now requires additional out-of-pocket costs to become usable. I am requesting investigation and resolution of this loan, including consideration of payment relief and responsibility for correcting the system defects and incomplete installation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: PA

Complaint narrative:
I've had accounts with Square/Cash App for several years. I have XXXX and a small loan with them. My account was in good standing. All of a sudden on XX/XX/year> i received an email stating that my account was closing XX/XX/year> due to a violation of their Consumer Account Agreement. I appealed the decision and XX/XX/year> I received an email stating that my account would remain deactivated and I would no longer be able to use it. They still have not given me a reason. They have not told me how the loans will be managed.

Company response to consumer: Closed with explanation