vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding unauthorized debit card transactions that were reported to Chase Bank and subsequently denied. 

In XX/XX/XXXX, multiple small-dollar debit card transactions totaling {$610.00} were made in person in XXXX, XXXX, a location where I was not present. These transactions were unauthorized. 

I contacted Chase to report the unauthorized activity on XX/XX/XXXX, at approximately XXXX a.m. Chase issued a provisional credit while conducting its investigation. Despite my efforts to resolve this matter directly with the bank, the claim was ultimately denied. Chase stated that the transactions were considered acceptable solely because they were completed in person and a PIN was used. 

As a result of this denial, Chase is reversing the provisional credit in XXXX stages : {$140.00} on XX/XX/XXXX, and {$470.00} on XX/XX/XXXX, totaling {$610.00}. 

These reversals are overdrawing my account and are expected to result in overdraft fees, potentially multiple, causing additional financial harm beyond the disputed transactions themselves. 

I dispute Chases determination. The denial appears to rely solely on the fact that a PIN was used, without adequately considering fraud indicators such as transaction patterns, geographic inconsistency, or whether I authorized or benefited from these transactions. 

Use of a PIN does not establish authorization. Debit card cloning and PIN compromise are well-documented forms of fraud. I did not authorize these transactions, did not receive any benefit from them, and was not present in XXXX at the time they occurred. 

Additionally, during the same general period, I can demonstrate legitimate debit card use by me in a different manner ( online transactions ), which reflects my normal usage pattern and does not validate unauthorized in-person activity in another state. 

I am requesting that Chase reopen and properly reconsider this matter, including a review of fraud patterns and transaction context, and restore the funds that are being reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX I received a response back from Spring Oaks Capital with attached documents through CFPB . I have reviewed Spring Oaks Capital, LLCs response and attached documents. Their submission does not constitute proper debt validation under the FDCPA. 

While they provided a loan application, promissory note, and portfolio-level bills of sale, they failed to provide verification that Spring Oaks Capital has the legal right to collect on my specific account. The documents provided reflect bulk portfolio transfers and do not identify my name and full account number as being assigned to Spring Oaks Capital. 

Additionally, no complete itemized accounting was provided explaining how the alleged balance of {$2300.00} was calculated, including a breakdown of principal, interest, fees, or charges from origination to charge-off. 

Because Spring Oaks Capital has not provided adequate validation, the debt remains disputed. I am requesting that the CFPB require Spring Oaks Capital to either : 1. Provide proper account-level validation and proof of assignment, or 2. Cease collection efforts and delete any credit reporting related to this account. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCUNTS ON MY REPORT PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT BECAUSE THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT AND OPEN BANK ACCOUNTS WITH SOME BANK

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Money was taken from my credit card by Sequium Asset Solutions. The amount was {$190.00}. I contacted the company and was informed I owed a debt but never said for what. I inquired why they took money without contacting me was told collections took it. After further investigations was told the debt isn't mine and my credit was merged. They determined someone merged my file with someone with a different birthday different address different State and different middle initial. 

They determine it wasn't me but said if I put a {$1.00} on a credit card they could give me more information. I paid the {$1.00} and was told if I pay {$99.00}. they will remove the merged credit reports and never mentioned returning the {$190.00}. These people tried to extort me and fraudulently took money from my account. I had to shut down my credit card account and get a new card. Sequium Assets contends I am not the person owing the debt but I have to obtain thier services to clear my name and correct my credit. My credit dropped XXXX points and according to Sequium assets my credit will be adversely affected. Please help please.........

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Fair Collections & Outsourcing for reporting a collection account for which I have no contractual or legal obligation. 

I have never entered into a contract, agreement, or signed any document with Fair Collections & Outsourcing. As such, there is no privity of contract establishing that I am legally responsible for the alleged debt. Reporting a debt without a valid contractual basis or lawful assignment is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report information that is accurate and verifiable and to conduct a reasonable investigation upon dispute. See 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). Additionally, consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy pursuant to 15 U.S.C. 1681e ( b ).

Further, under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not use false, deceptive, or misleading representations in connection with the collection of a debt, nor may they attempt to collect an obligation that is not legally owed. See 15 U.S.C. 1692e and 1692f. A collector is also required to provide proper validation of a debt upon request under 15 U.S.C. 1692g, including proof of legal obligation and assignment.

Fair Collections & Outsourcing has failed to provide any documentation demonstrating that I entered into a contract with them or that they possess lawful authority establishing my liability for this debt. Continued reporting of this account without proof of contractual obligation or valid assignment constitutes inaccurate credit reporting and an unlawful collection practice. 

I am requesting that Fair Collections & Outsourcing be required to immediately remove this collection account from all consumer reporting agencies due to the absence of a valid contract, failure to verify legal liability, and violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was tricked into letting a woman into my house, but once she got inside, things turned dangerous. She threatened me with XXXX  and forced me to send her {$1500.00} over XXXX against my will. I was backed into a corner and had no choice but to send the money to protect myself. I have already filed a police report regarding the extortion and the threats made against me Her name is XXXX XXXX her phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC
State: FL

Complaint narrative:
My account was closed without notice after paying off a balance that I owed. I have funds scheduled to the account for XX/XX/year>. I cant even look to see if my funds deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CA

Complaint narrative:
I am submitting this complaint regarding Chase Ultimate Rewards / Chase Shop for failure to refund rewards points after a cancelled order. 

I placed an order using Chase rewards and requested cancellation before the item was shipped. Despite this, the merchant shipped the product XXXX days later. At delivery, no signature was required, and the package was refused and returned. Tracking records clearly show the item was returned and signed for. 

I contacted Chase Shop customer service by phone approximately XXXX weeks ago and was explicitly informed that my rewards points would be returned within XXXX business days. That promised time frame has passed, and no rewards have been credited back to my account. 

The order was cancelled prior to shipment, the merchandise was never accepted, and the return was confirmed. There is no valid justification for withholding my rewards points. 

I am requesting that Chase : XXXX. Immediately refund the full amount of rewards points used for this order, and XXXX. Provide written confirmation of the refund. 

This issue has been ongoing despite my attempts to resolve it directly with Chase, which is why I am escalating it through CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
I am delinquent with my mortgage by a few months after a car wreck left me in a wheelchair. At the begining of XXXX I received a statement from XXXX XXXX that included a receipt of payment for me to include with my payment in the amount of XXXX that was due by XX/XX/XXXX. I got a cashier 's check in the amount of XXXX before XX/XX/XXXX and sent it to XXXX XXXX. On XX/XX/XXXX I received my cashier 's check back stating it was not the minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I have no knowledge of this debt. I made several request for validation but they did not replay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I am writing to formally express my serious concern regarding the second courtordered freeze placed on my bank account by XXXX, XXXX XXXX XXXX. The first freeze was previously lifted due to documented hardship. Despite this, my account has been frozen again without warning, leaving me and my family completely stranded during an active state of emergency in North Carolina caused by XXXX XXXX XXXX. 

At this time, we have no access to funds for medical care, food, propane for heat, or basic necessities. The joint account holder is a diabetic and an outofstate truck driver who now has no access to his own money for medical or travel needs. This situation is unsafe and unsustainable. 

The debt in question dates back to XXXX. I am aware that XXXX XXXX XXXX charged off this debt years ago, as it is more than XXXX years old. I have lived in North Carolina since XXXX, which means there was a threeyear window in XXXX for proper service. I was on medical leave at the time the firm claims I was served at my former place of employment. Whoever signed for that service was not me. This is especially evident now, as your office clearly has my current address, phone number, email, and employer information here in North Carolina. 

Instead of pursuing wage garnishment or notifying me of any remaining payment obligations, my bank account was frozen again without any communication. I have attempted to contact your office multiple timestwo voicemails and XXXX emailwith no response. I spoke briefly with an individual named XXXX, who is not an attorney, and specifically requested to speak with an attorney. I have still not received a return call. 

I have also attempted to reach the XXXX XXXX XXXX XXXX XXXX by phone and text and have been unable to make contact. A court date is scheduled for XX/XX/XXXX ; however, due to having no access to any funds, I am unable to travel, pay bills, or maintain basic stability. This puts me at risk of losing my vehicle, my job, and potentially my home. 

Freezing an individuals account without providing any means of communication or resolutionespecially during a declared state of emergencycreates an impossible situation. It is unreasonable to expect anyone to appear in court or meet obligations when they have been left with XXXX access to their own money. 

I am requesting immediate attention to this matter and a prompt response from an attorney. This situation is causing severe and unnecessary hardship, and I am urgently seeking a resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX yield interest savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer protection act and trust savings act. I seek redress for the misleading practices and failure to fulfill their duties, obligations, and failures to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Block, Inc.
State: NC

Complaint narrative:
I no longer have access to my old cash app account, due to the phone being broken and I have no access to the information log In needed. I have called cash app multiple times over the period of a month asking for different resolutions to this problem. Each time I have called there has been reason after another as to why they can not either grant me access or transfer the funds to my current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, Bank of America closed my newly opened checking account without warning or notice. The account had been approved, a debit card was issued, and the card was activated. My employer had already set up payroll direct deposit to this account, and my paycheck was scheduled to be deposited on the same day the account was closed. 

As a result of this closure, my payroll funds are being held and I do not have access to my earned wages. When I contacted Bank of America, I was told that they would mail me a check next week, but no explanation was provided for why the account was closed or why the funds can not be released sooner. 

I did nothing wrong and was never notified of any issue before the closure. This situation has caused financial harm and unnecessary delay in access to my paycheck, which is needed for regular living expenses. I am requesting expedited release of my funds and a written explanation for the account closure and the handling of my deposit.

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 2026-01-23 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding Planet Home Lendings mishandling of my loss mitigation application and failure to communicate accurately and timely, which has caused unnecessary delinquency and hardship. 

I lost my job due to a labor force reduction in XX/XX/year>. I later obtained new employment in XX/XX/year> but was forced to leave that position due to an immediate and medically necessary XXXX. As a result of these documented hardships, I fell behind on my mortgage beginning XX/XX/year>. 

In XX/XX/year>, I proactively contacted Planet Home Lendings Loss Mitigation Department and submitted a complete loss mitigation application to prevent foreclosure. I complied with all document requests and provided verification of income loss, medical hardship, employment separation dates, and my subsequent offer letter. 

On XX/XX/year>, I received a letter from Planet Home Lending dated and stamped in XX/XX/year> stating that additional information was missing and setting a deadline of XX/XX/year>. The deadline provided was unreasonable and nearly impossible to meet given the delayed delivery of the notice. Despite this, I immediately submitted all requested documents by the stated deadline. 

I then spoke with a Planet Home Lending representative who confirmed that the requested documents were already present in my file and stated they would review why the application had been denied. 

However, on XX/XX/year>, I received another letter stating that Planet Home Lending was starting a new loss mitigation packet because required documentation had allegedly not been submitted. This statement is false. All requested documentation had been provided multiple times, and no outreach or clarification attempt was made before restarting the process. 

Planet Home Lending did not contact me by phone, email, or mail to notify me of any alleged deficiencies before restarting my application. This lack of communication and repeated administrative resets caused my delinquency to increase to approximately six months through no fault of my own. 

I believe Planet Home Lending failed to properly review my complete loss mitigation application, failed to provide timely and accurate notices, and failed to communicate in good faith as required under federal servicing regulations ( including RESPA/Regulation X

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
Caught Covid and I provided proof and I was sick feeling like I would die but I didnt but how can I finish school and I was sick even though it was from home, plus I was pregnant and sick at this time

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control , LLC is reporting a collection account to XXXX  without providing validation of the alleged debt. Despite disputes, they have failed to provide a signed contract, itemized billing, or proof of assignment from the original creditor. My credit file contains identity-theft alerts, and this account remains unverifiable and inaccurate under the Fair Credit Reporting Act and FDCPA.

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have requested validation of debt the company never notified me of a debt before attaching it to my credit file I'm requesting that due to this violation this account and all remarks be removed for all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
My name is XXXX XXXX, and I am filing a formal complaint regarding Affirm XXXX Inc. for inaccurate credit reporting and ongoing harassment by a third-party company attempting to collect this debt. 

Affirm , Inc. has reported multiple charge-off accounts on my credit report. I believe this reporting is inaccurate, improperly duplicated, and does not accurately reflect the true status or history of the account ( s ). This constitutes the reporting of inaccurate information as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

I previously disputed this information and Affirm has failed to properly investigate and correct the inaccurate information as required under the Fair Credit Reporting Act. This inaccurate reporting is causing ongoing harm to my credit profile and financial standing. 

In addition, a third-party collection company has been repeatedly calling and emailing me regarding this account in a manner that I believe constitutes harassment. The volume and frequency of these communications are excessive and have continued despite my concerns.

Company response to consumer: Closed with explanation