vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/year>, while traveling internationally, my wallet containing my Chase Sapphire Reserve ( ending XXXX ) and Chase XXXX ( ending XXXX ) credit card was lost. Unauthorized transactions occurred only in the XXXX card and were reported promptly. The incident was handled as fraud under XXXX procedures. 

Shortly afterward, Chase closed my credit card accounts, citing multiple fraud claims over a short period of time. I was not provided with any definition of what constitutes multiple claims or what timeframe qualifies as a short period, nor was I given any prior warning that approved fraud claims could result in account termination. 

To the best of my knowledge, I had only one prior fraud-related incident earlier in XXXX  involving my Chase Sapphire Reserve card . At no point was I informed that the number or timing of fraud claimseven when resolvedcould trigger permanent account closure. 

I had maintained these accounts in good standing for an extended period with normal usage. I tried to contact chase but never successfully transferred or responded by the right department. 

My concern is not Chases right to manage risk, but the lack of transparency, notice, and proportional review in this decision. I am requesting a clear explanation of the criteria applied and confirmation that the account review followed fair and consistently disclosed procedures. 

At the time my accounts were closed, I was traveling abroad and suddenly had no usable physical credit cards. I was left without any way to pay for hotels, transportation, or daily expenses, which caused immediate and serious inconvenience while I was outside the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am filing a complaint against Midland Credit Management for repeated harassment and improper debt collection practices. They have called me excessively, used threatening language, and continued contacting me even after the situation was already in court. I was involved in a car accident on the way to a hearing, and despite this, I am now receiving a judgment letter dated XXXX for a case that was decided in XXXX. Their behavior has caused me significant stress, confusion, and emotional distress, and I believe their actions violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED MORTGAGE CORP
State: MI

Complaint narrative:
Beginning XX/XX/year> to the current date, I am receiving harassing calls, XXXX times a day, every day, from United Mortgage ( name on caller ID each time but always different phone numbers ). I have no idea who they are and have never done business with them. Surely this is an illegal scam to collect money from people who might fall for it.

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 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
was the account holder for a phone line, but the charges currently being pursued by Credence Resource Management are for back bills and other fees that I did not incur or authorize. 
I switched to a different phone provider, which bought me out of my previous service. During that processXXXX XXXX XXXX XXXXXXXX requested payment for prior bills and the phone, which I did not agree to pay.

Around this time, a roommate pressured me into a phone plan under his account, which caused confusion regarding responsibility for the bills. I should not be held responsible for charges incurred as a result of that situation. 
I briefly set up a payment plan with Credence Resource Management, but this was under the mistaken belief that I owed the debt. I have since reviewed my records and confirm that I do not owe this debt. 
Credence Resource Management has repeatedly contacted me regarding this alleged debt despite prior cease-and-desist communications in XXXX which included a CFPB complaint ( CRM Reference Number : XXXX ). At that time, Credence placed the account in cease-and-desist status and requested deletion from my credit reports. 

This conduct raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including : Attempting to collect a debt I do not owe Reporting inaccurate information to the credit bureaus Reinitiating collection activity after a prior cease-and-desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
What happened : On XX/XX/year>, I initiated an inquiry with Synchrony Bank regarding my Venmo Credit Card account. The company explicitly stated it could not verify my identity or cardholder information, yet continued to generate billing statements, demand payment, and report the account as active to consumer reporting agencies. This conduct is internally inconsistent, legally indefensible, and constitutes a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ), which mandates that furnishers of information ensure the maximum possible accuracy of all reported data. 

By continuing to treat an unverifiable account as collectible, Synchrony Bank engaged in deceptive and misleading reporting, unlawfully exposing me to potential credit harm. I requested immediate clarification of the accounts legal status, cessation of all billing and reporting activity, and correction of any misinformation communicated to credit reporting agencies. The company has failed to respond or take corrective action. 

This complaint is submitted solely by me. No third party is authorized, retained, or acting on my behalf in any capacity. I certify under penalty of perjury that the statements herein are true, accurate, and complete to the best of my knowledge. 

Attachments supporting this dispute include : 1. Copy of Synchrony Bank / Venmo correspondence dated XX/XX/year>. 
2. Any previous dispute or inquiry communications.

Sworn Statement/ Certification : I, XXXX XXXX XXXX, declare under penalty of perjury that all communications, submissions, and statements in this complaint are my own, true, and accurate. I am fully capable of articulating facts and legal positions clearly and precisely. I understand that making false statements in a CFPB complaint may be punishable under federal law. 

/ XXXX / XXXX XXXX XXXX XXXX : XX/XX/year>

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 2026-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America business credit card, on XX/XX/2026 BOA allowed almost {$34000.00} of fraudulent charges to be charged to our credit card. We were warned of fraud only after the card was maxed out, then the card was shut down. The fraud department wont say if they will resolve the issue, they will decide up to 90 days from today leaving us without credit to run the business. 
Completely unacceptable.

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 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: Creditly Corp.
State: FL

Complaint narrative:
My loan would be paid back on the terms of the agreement between the XXXX of us but their processing procedures would have me between XXXX days late after it cleared my bank. I contacted them and they said there's nothing they can do about it. It looks bad on me to be that late on such a small loan. I decided to close and delete the account but they refused to do so. I have screenshot and emails from the conversations. And refusal to close and delete my account. They said it was because they had to keep records. They can keep records even after the account is closed and deleted. It was credit genie not sesame. They are supposed to be helping my credit not making it even worse but they are sure working on making it worse. They haven't helped it at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> I attempted to make a withdraw at an XXXXXXXX XXXX at XXXX on XXXX XXXX in XXXX Wisconsin for XXXX XXXX The machine shot out the money, but due to me being on a very important phone call, I was unable to grab the money in time and the machine sucked the money back in. I did not realize that could happen. I immediately notified the store manager, and she said to keep the receipt and call my bank. I then went back to the ATM an did a successful withdraw for XXXX XXXX On XX/XX/XXXX, I checked my bank statement and the XXXX $ ATM non dispense error was not refunded back to my bank account. So I called Chime immediately and began the dispute. Dispute # XXXX. There has been XXXX updates to my dispute at all. I was on the phone this evening for over XXXX minutes and spoke to atleast XXXX or XXXX agents or supervisors. None of them were able to give me any updates or information. I am unable to get a temporary credit due to using my Chime Credit Builder Card. I wouldve normally used my Chime debt card, but it was just previously cancelled and in the process of being mailed out to me due to three fradulent microtransactions from XXXX. So I only had my Chime Credit Builder Card. I asked Chime for any other temporary financial assisstance while this matter gets sorted out. For example, increase spot me, Chime My Pass, and a couple other they brought up to me but they were NOT able to follow through. Ive had this same Chime account for many years and my account is in good standing, I have had direct deposit for 3 years from my previous job, and I recently started a new job and all of those direct deposits are going through Chime as well, the agents can clearly see this. I was hung up on several times, one time it was an actual supervisor ( which is recorded ) each time I was transferred I had to re explain everything over again. So it wasnt like I was being transferred to anyone with more authority or knew what was going on. Now all of the sudden, the supervisor that I spoke to at the end after being on the phone for 90 minutes, told me that I should call the merchant ( The Chime/AllPoint ATM from the specific XXXX location XXXX although they were unable to help me accesss the phone number. ) He said if this is to ever happen again, call both Chime and the merchant, even though when I first made the dispute on XX/XX/XXXX, I was told that- that was all the information they needed from me, and that I did not have to contact anyone else including the merchant and the police department. The supervisor stated that this couuldve possiblky been dealt with and refunded already if I wouldve contacted the merchant right away immediately after making the Chime dispute. In NO way did Chime try to make this right by giving me any extra information, or help me temporarily with any extra spot me boots or My Pay , or any other financial assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In late XX/XX/XXXX, I opened a Synchrony Bank store credit card in-store at XXXX Brothers XXXX for the sole purpose of purchasing my push present ring. At the time of purchase, the XXXX XXXX sales associate explicitly told us there would be no interest and that we could pay the balance monthly. There was no verbal disclosure that interest would be deferred, accrue in the background, or be applied retroactively if the balance was not paid in full by a specific deadline. Had this been explained, I would not have agreed to this financing. 

Since opening the account, the card has been used only once for the original ring purchase. We set up automatic monthly payments, made all payments on time, and made no additional purchases. We believed we were using the account exactly as instructed. 

On XX/XX/XXXX, approximately {$4500.00} in deferred interest was suddenly added to the account balance, despite no new purchases and consistent on-time payments. We did not become aware of this charge until XX/XX/XXXX, when we were finally able to review the account. Prior to this charge, the only communication we received stated that the promotion was about to expire, without explaining that expiration would result in thousands of dollars of retroactive interest being applied at once. 

During the period when the promotion was expiring, Synchrony Bank was transitioning its app and login systems. We were locked out of our account for approximately XXXX month, which prevented us from accessing account details, viewing promotional terms, or taking action. This loss of access directly impacted our ability to understand or respond to the promotional expiration. 

I contacted Synchrony Bank to request clarification and a reversal of the deferred interest, explaining that the financing was misrepresented at the point of sale and that account access issues prevented timely awareness. Synchrony Bank refused to reverse or adjust the charge and stated there was nothing they could do. During my conversation with Synchrony Bank, I also offered to immediately pay the remaining principal balance in full if the retroactively applied deferred interest were removed. This offer was made in good faith to resolve the matter promptly. Synchrony Bank declined and stated there was nothing they could do. 

I am disputing this charge based on misrepresentation at the point of sale, lack of clear and understandable disclosure, loss of account access during a critical period, and good-faith payment history with no additional usage. I am requesting regulatory review and appropriate relief.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On or around XX/XX/year>, I opened a new BMO business checking account ( account number ending in XXXX ) using a promotional offer from BMO. The promotional email ( which I can provide upon request ) stated that I would receive a {$400.00} cash bonus if the account balance reached {$4000.00} or more on day 30 after account opening. The bonus was to be deposited into the account within 14 days after meeting the requirements. 
I met the promotional requirements : the account balance was at least {$4000.00} on day XXXX ( approximately XX/XX/year> ), and I maintained the necessary balance thereafter as required. More than a month has passed since the eligibility date, and the {$400.00} bonus has not been deposited. 
I contacted BMO customer service multiple times to resolve this : I spoke with a customer service representative who documented the issue, promised a callback, but never followed up. 
I submitted messages through BMO 's online support portal ( screenshots available upon request ), but received no resolution or meaningful response.

Despite these efforts, BMO has failed to credit the promised {$400.00} promotional bonus in violation of the advertised terms. 
I am requesting that the CFPB assist in compelling BMO to : Investigate and confirm that I met all promotional requirements. 
Deposit the {$400.00} cash bonus into my account immediately. 
Provide confirmation once the bonus is credited. 

I have attached/saved the original promotional email and screenshots of my online support messages for reference. I can provide additional documentation, including account statements showing the balance history, if needed.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Summary of Issue : I am the victim of identity theft involving a fraudulent auto loan with Capital One Auto Finance ( COAF ). Despite providing extensive evidence and filing a fraud claim, COAF continues to hold me liable and demand payment for a vehicle I never possessed. 

Details of Complaint : On XX/XX/XXXX, my personal information was used fraudulently to obtain an auto loan for XXXX XXXX through COAF at XXXX XXXX, XXXX, Mississippi. 
I was never present at the dealership and never signed any documents in person. My personal documents ( ID, birth certificate, pay stubs ) were obtained under false pretenses and used to co-sign the loan. 
The dealership employees involved were XXXX XXXX ( Salesperson ) and XXXX XXXX ( General Sales XXXX ), who approved the transaction despite stating that co-signing required in-person presence. 
I have never had possession of the vehicle and did not receive any disclosure from COAF regarding my rights as a co-signer. 

Actions Taken : Between XX/XX/XXXX and XX/XX/XXXX, I received past-due notices from COAF. 
In XX/XX/XXXX, I submitted a Fraud Claim Application, an Affidavit of Fictitious Account, and supporting evidence to COAF via certified mail ( two packets sent with return receipts ). 
I also filed an FTC Identity Theft Report and notified COAFs Risk Management Department. 
COAF initially removed the fraudulent account from my credit report in XX/XX/XXXX, but continues to send settlement notices, including a recent demand for {$14000.00} by XX/XX/XXXX. 
COAF closed my fraud claim without proper investigation, stating it was not valid, despite clear evidence of application fraud ( inflated income, false relationship, and signatures not witnessed or notarized ). 

XXXX XXXX : COAF continues to pursue collection on a fraudulent account, while the primary borrower ( XXXX XXXX ) remains in possession of the vehicle. 
I am being punished for a loan obtained through deception and identity theft, despite providing all required documentation and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CarMax, Inc.
State: NV

Complaint narrative:
The vehicle was sold to me for approximately {$18000.00}. From carmax I am now being informed that the vehicle is allegedly worth {$3000.00}, based on valuation references such as XXXX XXXX, while the creditor continues to demand payment of the entire contract balance, despite no repossession, no auction, and no documented disposition of the collateral. 
Importantly, when I became unable to continue payments due to domestic violence-related displacement and financial hardship, I notified the creditor of my circumstances and requested that the vehicle be repossessed. I provided notice and made the vehicle available. Despite this, the creditor delayed and failed to act, allowing interest, fees, and alleged losses to accumulate. 
Under Nevada Revised Statutes Chapter 104 ( UCC Article 9 ), a secured creditor has a duty to mitigate damages and may not ignore notice, decline to repossess available collateral, and later attempt to impose the full balance or a valuation-based deficiency. A valuation guide does not constitute repossession, disposition, or proof of loss, nor does it excuse failure to mitigate damages.

Please provide within 15 days : Proof of repossession, if any Proof of sale or auction ( date, location, and sale price ) Itemized accounting supporting any claimed deficiency Copies of all notices required under Nevada law Documentation showing timely mitigation efforts after I notified you of my inability to pay and requested repossession Until verification is produced, this debt is disputed in full. Any continued collection activity or credit reporting of an unverified balance may violate the Fair Credit Reporting Act and Nevada consumer protection laws

Company response to consumer: Closed with explanation