vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Security Credit Services , LLC is reporting a collection account ( account ending XXXX, balance {$22000.00} ) with the original creditor listed as " XXXX XXXX. XXXX The actual original creditor on this account was XXXX XXXX XXXX. This misrepresentation of the original creditor obscures the true origin and history of this debt and may affect accurate calculation of the date of first delinquency for FCRA reporting purposes. Security Credit Services is also reporting a separate collection tradeline ( account ending XXXX ) for what appears to be the same underlying debt, resulting in duplicate reporting of a single obligation. I am a recipient of Social Security Disability Insurance ( SSDI ), my sole source of income, which is fully exempt from collection under federal law. I am requesting CFPB investigate the accuracy of the original creditor information reported on account XXXX, the duplicate reporting between accounts XXXX and XXXX, and whether Security Credit Services is properly licensed to collect debts in Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I opened up an account with american express, was offered a welcome bonu. Amex did have no communication on this welcome offer and according to my account the limit was spent on the XXXX th. Amex says I was XXXX short which was spent on the XXXX but went to pending to the XXXX. this was XXXX miles lost because there was no communication with this program. the annual fee is {$890.00} and thats what they wanted and got and then find ways not to give a welcome bonus. They refuse to help in this situation and come to a resolution of giving me the miles or my annual fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian , XXXX & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-06-09 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: Mercury Financial Intermediate LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Issue : I have disputed the accuracy of this account and the charges being reported. Despite the active dispute, XXXX XXXX XXXX continues to add fees and interest and reports delinquent information to consumer reporting agencies. Requested Resolution : XXXX. Suspension of further collection activity and fees while the investigation is pending. XXXX. Verification and validation of all charges. XXXX. Correction or deletion of inaccurate information reported to XXXX XXXX XXXX XXXX XXXX. Reporting of the account as disputed during the investigation. XXXX. Removal of all late fees and interest associated with disputed amounts. I request that the CFPB investigate this matter and require Mercury Card Services to comply with federal consumer protection laws. Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC
State: LA

Complaint narrative:
The consumer, XXXX XXXX XXXX, is filing a complaint regarding inaccurate and unverified information on her credit reports. Despite previous disputes, the credit bureaus and furnishers have failed to correct these inaccuracies, which is a violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2. The incorrect credit data has led to significant harm, including potential loan denials and financial stress. The consumer seeks a resolution to these issues to prevent further damage to her financial standing. BMG MONEY Account # : XXXX ( TransUnion ) Issue : Duplicate derogatories and unverifiable debt Violation ( s ) : FCRA 1681e ( b ), 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After talking with a private client banker I was told to apply for a charge card on line. I have banked with Chase for years, I am established with them and have a personal credit card there. I applied for a business card on line XX/XX/2026. I followed up with them a few weeks after and was told over the phone I was denied. I asked why, they said they would be mailing me a letter explaining. Never received the letter or anything from them. I have since spoken to at least XXXX people trying to get confirmation in writing even an email stating why I was denied. I did a few XXXX searches and found out I am legally entitled to this. They still will not send me anything or tell me why. I have spent hours trying to get an answer and it is taking up excessive time, and the saying is true time is money. Today after spending XXXX hours being tossed around and not getting an answer and even after stating they are required to notify me and provide a reason. They just won't so I am reaching out for help. It seems unfair to not tell me why there XXXX be an issue I need to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been submitting my monthly payments on XXXX every month on time. I have scheduled it to be the minimum monthly payments, usually around {$160.00}. Today, XX/XX/year> I realized that in XX/XX/year>, Citibank had attempted to request {$6300.00} from my XXXX XXXX account and I have never authorized this because I do not even have this amount in that XXXX bank account. I live in the XXXX XXXX and pay a good amount on rent and utilities and have a pet as well and am trying to survive and this situation has really increased my financial stress and XXXX I returned Citibank 's call because they only mentioned that I was overdue {$550.00} when this was not my fault, my regular monthly XXXX minimum payment did not go through for some reason and instead the XXXX was suddenly increased to {$6300.00} which bounced back from my XXXX bank due to insufficient funds. I usually do XXXX to help me stay on track and not forget which is what I though Citibank 's XXXX system would support me with but it actually brought me more concerns about continuing to bank with them. When I asked why or how the minimum payment increased out of nowhere and so drastically, the staff person did now know how and I definitely did not approve this {$6300.00} payment because I don't even have that much money in the XXXX account. It states in the photo attached that I also have a scheduled payment on XX/XX/year> for {$5900.00} which I also never authorized and am not even able to edit. The staff person over the phone said that they will update my information and whatever error has happened but I have already had to pay {$550.00} due to me being " late '' on payment that I have set-up XXXX for. I am not sure if this has happened to other Citibank members but this is not okay and don't want to have to deal with this again. I have never authorized to update my XXXX amount to {$6300.00} or {$5900.00}. I was informed to wait XXXX hours to see the updates on my account and would have to wait until then to update my XXXX amount. Thank you for your time and have a great one. Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. After reviewing my report, I have identified multiple accounts and entries that I do not recognize, are reported inaccurately, or can not be properly verified. Under the Fair Credit Reporting Act ( 15 U.S.C. {$1600.00} ), you are required to ensure maximum possible accuracy and to conduct a reasonable investigation of any disputed information. At this time, the items in question do not meet those standards. I am requesting that you conduct a full investigation and delete any accounts, payment histories, balances, or remarks that can not be fully verified and documented as accurate. XXXX XXXX Account number - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Financial Institution : Wells Fargo Bank , N.A . Credit Card XXXX XXXX XXXX : XXXX XXXX Credit Card XXXX XXXX XXXX to Resolve Dispute Within Required Timeframe To the New York State Department of Financial Services : I am filing a formal complaint against Wells Fargo regarding their mishandling of an unauthorized credit card transaction and their failure to resolve the dispute within the legally required timeframe under the Fair Credit Billing Act ( FCBA ) .Summary of the Issue I hold a Wells Fargo Visa credit card. An unauthorized charge for {$61.00} posted on XX/XX/XXXX, XXXX reported the charge to Wells Fargo XXXX XX/XX/year>, the day after it appeared. I was traveling internationally from XX/XX/year>, and returned to New York on XX/XX/XXXX, XXXX did not have this credit card with me during my trip ; it remained at home. Wells Fargo closed the compromised card and issued a replacement. Wells Fargos Written Confirmation I received XXXX letters from Wells Fargo confirming that : I am not responsible for the unauthorized charge. An adjustment would be made to my account. Based on these letters, my account should reflect a {$0.00} balance. Ongoing Problem Despite these written assurances, Wells Fargo has : Failed to remove the unauthorized charge. Provided contradictory information during multiple phone calls. Told me on some calls that I still owe the disputed amount. Failed to provide any written resolution. Failed to resolve the dispute after more than XXXX months, far exceeding the FCBAs maximum XXXX resolution requirement. I have called Wells Fargo approximately XXXX times between XXXX and XX/XX/year>, and I continue to receive inconsistent and inaccurate information. As of today, the issue remains unresolved. Regulatory Concern Wells Fargo appears to be in violation of : The Fair Credit Billing Act ( 15 U.S.C. 1666 ) Regulation Z ( 12 CFR 1026.13 ) which require timely investigation and resolution of billing errors. Requested Action I respectfully request that the New York State Department of Financial Services : Investigate Wells Fargos handling of this dispute. Require Wells Fargo to honor their written confirmation that I am not responsible for the charge. Ensure the unauthorized charge is permanently removed and my account reflects a {$0.00} balance. Require Wells Fargo to provide written confirmation of the final resolution. I am prepared to provide : Copies of Wells Fargos letters My travel documentation timeline of all calls and interactions Any additional information XXXX may require Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: DE

Complaint narrative:
FORMAL COMPLAINT AGAINST AMERICAN EXPRESS FOR FCBA COMPLIANCEVIOLATION CARDMEMBER : XXXX XXXX ACCOUNT : American Express XXXX XXXX ( Ending in # XXXX ) MASTER CASE REFERENCE : Ref. No. XXXX I am formally filing this regulatory complaint against American Express for a direct violation of my consumer rights under the Fair Credit Billing Act ( FCBA ) .On XX/XX/year>, an American Express Dispute Center representative verbally informed me that all of my pending medical incapacity billing disputes regarding XXXX XXXX. transactions ( executed between XXXX XXXX XXXX, totaling {$3800.00} ) would be summarily denied based strictly on the merchant 's private 'terms and conditions. ' The representative stated this was a 'legal matter ' and that I would have to seek private legal representation to deal directly with the merchant. When I explicitly cited my federal protections under the Fair Credit Billing Act, the representative refused to answer.This is a flat violation of federal law. Under the FCBA, a credit card issuer is legally mandated to conduct a complete, good-faith, independent investigation into a reported billing error or invalid transaction. A merchant 's private terms and conditions can not strip a consumer of their federal statutory rights, nor can an issuer contract out of its legal duty to investigate.The underlying transactions are legally voidable due to a documented, severe temporary medical lack of capacity to contract. On XX/XX/year>, I underwent major XXXX XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. XXXX. I was placed on a continuous, post-XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). My active prescription history and an automated Pharmacy text confirmation from XX/XX/year>, explicitly document my severe XXXX XXXXt during the exact hours of the spending spike.An incapacitated individual can not provide valid contractual assent. Standard delivery tracking or merchant policies do not validate an invalid contract. Furthermore, I have acted in absolute good faith by preserving the bulk inventory factory-sealed at my residence and providing the merchant with my medical records to return the goods, which they flatly refused.American Express previously validated this exact medical timeline by approving my initial dispute under XXXX XXXX XXXXXXXX on XX/XX/year>. Their sudden verbal refusal to apply this ruling to the remaining linked transactions violates the FCBA. I request that the CFPB compel American Express to halt their front-line deflections, honor the active billing freeze on these disputed amounts, and assign this file to a corporate compliance executive for manual override and permanent account credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I accidentally sent a {$2000.00} XXXX payment to the wrong phone number. The intended recipients number was XXXX, but due to a mistake, the payment was sent to XXXX. Immediately after realizing the error, I contacted Chase Bank customer service and opened a claim regarding the transaction. I also reached out directly to the recipient of the payment. The recipient responded via text message and stated that I should ask Chase to reverse the transaction from his account. However, after that message, he stopped responding to my calls and texts. I provided Chase with all of these details, including screenshots of the text conversation with the recipient. Despite this, Chase initially denied my claim, stating that the payment was sent to the correct account. I appealed the decision and submitted the text message evidence again, but on XX/XX/year>, Chase denied the claim a second time with the same explanation. At this point, I feel I have exhausted all available options, and I am not receiving any further assistance from the bank. I am requesting help in recovering or crediting back the {$2000.00} that was mistakenly transferred. I would also like to point out that in the past, there was an incident where my account funds were incorrectly mapped and displayed in my Chase account, and Chase was able to correct the issue and reverse the error with an apology. Given that the recipient himself acknowledged the mistaken transfer and advised me to contact Chase for a reversal, I do not understand why the bank is unable or unwilling to assist in reversing this transaction. Claim Details Date of inquiry : XX/XX/year> Claim number : XXXX I respectfully request a thorough review of this matter and assistance in recovering the funds that were sent in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding a conventional mortgage transaction that closed in XX/XX/year>. This dispute centers on a severe lender failure to properly execute post-closing financial adjustments, specifically resulting in a {$7300.00} principal curtailment error and a concurrent {$2800.00} escrow account discrepancy. Due to an administrative oversight by the lender during the closing process, contractually agreed-upon third-party credits were omitted from the final closing disclosures. To remedy this error post-closing, the lender committed to applying a {$7300.00} principal reduction ( curtailment ) to the loan account and adjusting the escrow ledger to reflect a {$2800.00} credit. However, the lender has completely mishandled the application of these funds. Instead of executing a clean principal reduction from their own funds to fix their mistake, the transaction was processed incorrectly, triggering a massive mathematical imbalance. This has created an artificial deficit in my escrow account ledger of approximately {$3000.00}, effectively leaving me out-of-pocket and destroying the financial transparency of the loan balance. Despite repeated, formal demands for a signed Curtailment Acknowledgement Letter and a corrected escrow analysis, the lender 's specialists have failed to provide the necessary written documentation, reconcile the accounts, or correct the severe financial impact of their administrative failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got an email from capitalone with a targeted offer on the XXXX credit card that if I spend XXXX dollars in first XXXX months then I get a XXXX dollars cash bonus. I read them the email I received from them and also I applied through the link on the card but they told me the card has no bonus offer when I called to verify and they refused to do anything about it. This is a scam because they offered me a reward for signing up and then completely denied me the benefit. I still have the email as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> Wells Fargo closed my account sighting excessive disputes. However the merchant billed my account in increments and then could not verify my account and deleted it along with all charges. I went to Wells Fargo for help and instead of helping me they closed my account. Not even asking for a reason of dispute and my situation. I have been a customer of theirs for at least XXXX years and have always been paying my bills on time. I expect the company to assist me and not to punish when problem arises

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
I submitted a dispute that was denied because I logged into my online account. My wallet was lost and I logged on and noticed my card was used so I reported charges. The dispute was denied because my account was logged into. How else would I see the charges if I did not log in.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation