vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
On XX/XX/year>, Chase reversed approximately {$10000.00} in credits, increasing the account balance, while providing inconsistent representations regarding investigation status across audiences. This update is submitted to document the timing and impact of these actions and the resulting ongoing consumer harm.

Chase was notified through CFPB filings and written communication to the Chase Executive Office that the disputes were coded incorrectly. Investigations conducted under those codes did not address the same facts, issues, or allegations presented in the CFPB complaints.

Only a dispute properly coded to reflect the same facts, issues, and allegations consistently presented in the CFPB filings can form the basis of a good-faith investigation. To date, Chase has not provided documentation demonstrating that any investigation meeting this standard was conducted. 

Any investigation not conducted under properly coded dispute terms and supported by contemporaneous documentation can not be considered adequate or consistent with good-faith investigative standard

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
am filing a complaint regarding improper debt collection practices related to an alleged debt associated with Jefferson, account number XXXX. 

I dispute the validity of this debt. I have requested that the debt collector provide proper validation of the alleged obligation, including documentation proving I am legally responsible for the debt and that the collector has authority to collect it. To date, the collector has failed to provide adequate verification. 

Despite this, the collector has continued collection efforts, which may include ongoing communication and/or reporting to credit bureaus without first validating the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have also requested that the collector cease communication regarding this account except as permitted by law. Continued collection activity without validation is improper and has caused unnecessary stress and concern. 

I am requesting that the Consumer Financial Protection Bureau : Require the collector to provide full debt validation or cease all collection activity Ensure the collector complies with federal consumer protection laws Require correction or removal of any inaccurate credit reporting related to this account I am not acknowledging responsibility for this alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My complaint to Bank of America : XX/XX/XXXX - I have requested a replacement card, and it was delivered Early XXXX - An unauthorized charge happened and BoFA resolved it and sent another replacement card but was eventually never delivered. 

XX/XX/XXXX, XXXX unauthorized transactions took place for a combined total of {$1400.00}. I have filed a fraud claim in which Bank of America said the transaction used a chip in store. At the time of the unauthorized transactions, I did not have the card with me because at that time, I was still waiting for the early XXXX replacement card, but I was wondering how the card was used when I never received it. They have temporarily reversed the unauthorized charges, and sent another replacement card ( which eventually never got delivered too ). 

XX/XX/XXXX, XXXX duplicate unauthorized transactions took place for {$3500.00} but was declined because I have locked the card because I was still waiting for the new replacement card. Not even XXXX weeks, and it was not even shipped yet but it was apparently used. So I have asked BoFA to close my credit card account because it was giving me anxiety. 

XX/XX/XXXX - They have completed the fraud claim investigation and they have insisted that I did the transactions from XX/XX/XXXX. Which was impossible because I have never received all replacement cards, yet they insisted I used the chip from the credit card. 

XX/XX/XXXX - I have asked to reopen the case because this is clearly a case of reccurent charges scam in which even thought replacement cards are sent, a XXXX Account XXXX ( XXXX ) might not be changed in the scammer 's perspective and can use my card for mobile wallet or something. Plus, all XXXX replacement cards sent were never delivered eventually. They said they reopened the case and it is gon na take about XXXX weeks which is too much. They are just stalling at this point and it is very frustrating as a loyal customer for 5 years. There is no way I used the credit card when it wasn't even delivered/ I did not even have it physically. 

There is no way I'm paying someone else 's scam.

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 2026-02-03 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Contract breached by XXXX XXXX, XXXX. I was never given required materials : 2 material samples and 2 drawings XXXX XXXX, XXXX work did not match the contract : Contract : refacing outside only Contract : drawers replaced to original size Actual work : deviated from both. The front openings of the cabinet drawers were resized, making the drawers smaller, and the oakwood doors were taken off and swapped for smaller plastic ones mounted on large hinges. The subcontractors work quality is poor, and I had informed Service Finance Company ( SFC ) about it. The contract states that payments were to be made directly to XXXX XXXX XXXX, the general contractor I had the agreement with. Despite this, SFC paid XXXXXXXX XXXX  directly. This payment was made without my knowledge or written consent, even after SFC was aware of the workmanship complaints. After I file a complaint, SFC claimed I refused access to my home for repairs. SFC tried calling to me. These claims were never raided before payment to XXXX XXXX, XXXX. They were used after the fact to justify paying the subcontractor. XXXX XXXX, XXXX has since filed XXXX XXXX I believe XXXX XXXX XXXXXXXX may have been a creditor or beneficiary of SFC 's actions. 

I asked SFC to discharge the {$20000.00} loan due to breach of contract. I believe I have been a victim of financial elder abuse.

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank- {$470.00} was charged off and is till on my credit report no longer owe balance and have not received at 1099 form due to charge off being counted as income XXXX XXXX XXXX {$180.00} was charged-off and still on my credit report, no longer owe balance and have not received a 1099 form due to charge off account being counted as income

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
My car loan was included in a bankruptcy. XXXX never contacted my lawyer. Santander never contacted me about repayment plan. The car payments were ridiculous because of the high interest rate which put me into a bankruptcy in the first place. My bankruptcy discharged in XXXX. They just repossessed my car XX/XX/XXXX of XXXX. They took my car with all my medication in it. They didnt even try to work this out with me or give me any type of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises
State: LA

Complaint narrative:
Website does not work anymore. Will not respond to revocation of voluntary wage garnishment. Sent on XX/XX/XXXX signed on XX/XX/XXXX I have paid almost XXXX times what I borrowed and according to right now loans I still owe over XXXX more. I only borrowed a little over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In XXXX, I obtained a personal loan secured by my XXXX XXXX with OneMain Financial. As part of the loan, OneMain took control of the XXXX XXXX and advised that they would handle XXXX registration matters as XXXX 
My XXXX registration tags had expired at the end of XXXX. I was able XXXX XXXX the XXXX in XXXX after the loan was issued, relying on OneMains representation that the registration would be processed. 
Beginning in XXXX, the registration renewal had still not been completed. The XXXX mailed renewal notices to OneMain as XXXX. Because OneMain held title, the XXXX refused to speak with me or allow me to resolve the issue myself. I contacted OneMain multiple times by phone and email, including XXXX customer service, and was repeatedly told to wait, but no action was taken. 
As a result, the vehicle became legally inoperable in XXXX and XXXX. I was stopped by law enforcement and warned regarding expired registration and stopped driving the vehicle to avoid citations. The XXXX  sat unusable for over a month while I continued making loan payments. 
During this period, I incurred transportation costs including rideshare, public transportation, and borrowing vehicles. I am the primary caregiver for my elderly mother and for my sister, who is undergoing XXXX, and the loss of transportation significantly interfered with my caregiving responsibilities. 
This issue was caused by OneMain XXXX failure as XXXX to timely process XXXX registration, resulting in loss of use of the XXXX despite ongoing loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA XXXX XXXX and XXXX XXXX XXXX ( 15 U.S.C. 1681 ( c ) ( 2 ) ) Product : Credit reporting IssuSubject XXXX : XXXX XXXX XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

What happened? 

I am disputing inaccurate, unverifiable, and improperly maintained personal information appearing on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681 ( c ) ( 2 ) and 1681e ( b ). 

The following accounts are being reported under my personal identifying information without proper verification of accuracy, completeness, or lawful reporting authority : Charge-Off Accounts Account ending XXXX ( Opened XX/XX/XXXX ) Account ending XXXX ( Opened XX/XX/XXXX ) Additional Accounts Reported as Pays As Agreed ( Personal Information ) : Accounts ending XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Under the FCRA, XXXX personal information must meet the standard of maximum possible accuracy and be verifiable upon dispute. These accounts continue to be reported without proper verification. 

Pursuant to 15 U.S.C. 1681 ( c ) ( 2 ), disputed information that can not be verified may not be reinserted or continued without certification of accuracy and notice to the consumer. No such certification has been provided.

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 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
I have asked for several months when I make payments for a balance due and a statement of where my payment are being allocated. Every month when I make a payment I request this and still have not received a statement from them. This bill should be getting close to being paid. Also about 8 month ago I received a bill that was much more than expected. there was a extra amount that I believe that I am paying directly to the hospital with payment arrangements. I think that I am paying this bill twice. both to CB1 and XXXX XXXX  Last known amount owed was approx. XXXX prior to that and I make XXXX to XXXX dollar payment every month. However XXXX cant seem to get any papers that I keep requesting to fix the issue. I emailed them with every payment made and still nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I have worked full- time for qualifying nonprofit/government employers for 25 years. My federal Direct Loans originated in XXXX and were transferred from XXXX to MOHELA in XXXX. During the transfer, all prior PSLF Employment Certification Forms were lost and required resubmission. After recent PSLF system updates, my XXXX PSLF record and employer certifications have disappeared again. This has caused inaccurate PSLF tracking and delayed forgiveness progress. I request a full federal audit of my PSLF history, retroactive certification of qualifying employment, and correction of my payment count. 
I have tried to contact MOHELA via phone and just sit on hold. As a result, I filed complaint with the Federal Student Aid Ombudsman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Failure to Verify Alleged Debt FCRA 1681s-2 ( b ) Product : Debt collection / Credit reporting Issue : Attempt to collect or report debt not properly verified Company : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX? 

The companies listed above are furnishing negative and/or material account data to consumer reporting agencies without providing lawful verification of the alleged debts, in violation of 15 U.S.C. 1681s-2 ( b ).

The following balances are being reported without proof of a valid contractual obligation or complete chain of custody : XXXX XXXX XXXX {$690.00} XXXX XXXX {$7800.00} XXXX XXXX  {$2200.00} XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX {$1100.00} These companies have failed to provide : A contract bearing my signature Proof of legal assignment or ownership Evidence of a reasonable investigation Continued reporting of unverified data constitutes unlawful furnishing under 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 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I have XXXX XXXX account. I tried to deposit $ XXXX check into my savings account - but I was prevented from doing that. with the reason - that daily limit is {$2500.00}. When i talked to the customer service rep- they are giving weird and expensive solutions- like do wire transfer etc ... which cost money to me.... essentially want to rip off XXXX years old seniors like me. 

Or do XXXX  times this kind of transfer ... rather than increasing the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Constantly getting calls and emails/mails about an account I have no knowledge of. Will not provide signed agreement of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX, a charge of {$2300.00} was posted to my Navy Federal credit card for services from XXXX. I reported this charge as fraudulent at the time, stating I never received the services and had no fulfilled contract. Despite following Navy Federals procedures, no resolution occurred, and Ive been charged interest for over XXXX years. 

Recently, I discovered this transaction is part of an active federal criminal case ( XXXX XXXX XXXX XXXX, Case XXXX ), where I am listed as a victim. I immediately notified Navy Federal and requested they reopen and escalate my case. I asked for a formal fraud review, reversal of fees and interest, and reconsideration based on new evidence tied to this federal investigation. 

Navy Federal declined, stating the case was outside of timeframe based on Visas internal policy, despite the fraud being ongoing and material evidence emerging. Their refusal to act or escalate appears negligent, especially given their initial failure to resolve the issue when first reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>. I made two Balance transfers from Capital One to XXXX XXXX XXXX. ( I have proof from XXXX it posted in their system ) Processed XX/XX/year>. 

Instead, Capital One combines two different balance transfers under one credit card. I was charged two fees ( XXXX ) and ( XXXX ). Capital one charged me interest on XX/XX/year>. Capital one reported my account to the credit bureaus and credit score went up, Then down, then back up on XX/XX/year>. Ive several problems with my accounts and this is why I left. Im requesting an audit on both my credit card accounts and my perfect paying history should be reported, interesti should not be charged twice on one credit card was paid off. 

Im requesting an audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Whom It May Concern, I am writing to formally demand the immediate release of my IRS tax refund in the amount of {$100000.00}, which has been held by Navy Federal Credit Union since XX/XX/year> under the claim of a fraud investigation. 

The Internal Revenue Service has fully completed its examination and cleared this refund as valid. Supporting documentation includes : IRS Account Transcript showing the examination is closed IRS records confirming the refund was issued and credited IRS Form XXXX showing {$14000.00} in interest paid to me by the IRS, which only occurs after confirmation of legitimacy At this time, the IRS has confirmed there are no outstanding issues, investigations, or holds on this refund. Continued withholding of these funds by Navy Federal is no longer justified. 

This prolonged delay has caused significant financial hardship. I am requesting : Immediate release of the funds, or Written justification citing the specific federal regulation under which Navy Federal believes it may continue holding cleared funds If this matter is not resolved promptly, I will pursue relief through

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief