vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: CA

Complaint narrative:
I am filing this complaint regarding how Chase handled my credit card dispute. 

I disputed charges from XXXX ( XXXX ) for XXXX formation and compliance services that were performed incorrectly. Although the merchant had my correct address, state government filings were submitted with incomplete address information, while the XXXX XXXX XXXX from the same service package and date shows my complete and correct address. This demonstrates inconsistent address handling and inadequate verification. My refund request to the merchant was denied. 

These defects were not reasonably discoverable at the time of purchase and were identified only after the filings were processed and reviewed. 

When the Chase dispute was opened, it was incorrectly categorized as service not received by a Chase representative. The service was, in fact, received, but it was defective and not performed as agreed. Chase accepted and opened the dispute, creating a reasonable expectation that it would be substantively reviewed, but later denied it solely based on timing, citing a XXXX or XXXX timeframe ( as confirmed during a chase phone call on XX/XX/year> ). 

At no point during the dispute submission process, case opening, or written notifications was I informed that the dispute was time-barred. I was informed of this reason only after contacting Chase by phone. This procedural inconsistency prevented a meaningful opportunity for review. 

A fair resolution would be for Chase to conduct a substantive review of the dispute based on defective or not as described service, rather than denying it solely on timing. At a minimum, I request reconsideration of the dispute or a goodwill credit, given the procedural inconsistencies and lack of clear notice regarding dispute timeframes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express closed my credit card account on XX/XX/XXXX, and later confirmed the account was referred to an outside collection agency, XXXX XXXX XXXX ( XXXX ). Despite this, on XX/XX/XXXX, American Express accepted and applied an {$880.00} payment directly to an internal balance without clearly and conspicuously disclosing how the payment would be handled or how it would affect my debt settlement options. At the time the payment was accepted, American Express representatives repeatedly stated that the account was no longer serviced internally and was being handled by an outside agency, yet American Express still accepted the payment, applied it to a remaining statement balance, and simultaneously directed me to the collection agency for account handling. This created confusion regarding debt ownership, payment authority, and fund application. By accepting and applying the payment without clear, timely disclosure after referral to collections, American Express interfered with my ability to pursue lawful debt settlement negotiations, altered my settlement leverage after my credit had already been negatively impacted by a collections placement, and failed to inform me that a payment made directly to American Express would be treated as a partial payment rather than routed to the collection agency or refunded. Front-line representatives were unable to explain the payment handling or authority, and the issue was only addressed after escalation to a supervisor. I contacted American Express via live chat and repeatedly requested either a refund of the {$880.00} payment or written confirmation that the funds were forwarded to the collection agency ; only after escalation did American Express initiate a refund review, collect my bank details, and open Case ID XXXX, advising the refund could take up to XXXX business days. I am submitting this complaint to request regulatory review of potentially unfair or deceptive payment handling and disclosure practices following referral to collections, and I consent to the CFPB publishing this description on consumerfinance.gov after removal of my personal information so other consumers may learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
XXXX I verified my identity successfully, reset my XXXX XXXX pin, deleted my old phone number replaced it with my current on changed my password. Spent XXXX using said account. 
XXXX got my XXXX statement from my account emailed to me, filed my taxes through them XXXX my taxes were accepted, received a refund through the account the claim doesn't exist for XXXX, got my new card that I gad to get for the reason for my dispute and they say my account doesn't exist. 
XXXX at XXXX my email was magically unlinked from my account while i was asleep, XXXX it was relinked,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/year>, I made XXXX {$25000.00} deposits to my affirm money savings account. That resulted in an account freeze. On XXXX the fourth I initiated a phone call with a firm to resolve the account freeze and was told that they needed my identity verified. I called multiple times to initiate the identity verification, which was completed XX/XX/XXXX and verified on the XXXX. I proceeded to have multiple phone call and email interactions with members of affirm 's customer service team to try and get the funds withdrawn from the high yield savings account, and reversed back into my XXXX XXXX XXXX XXXX checking account. I was repeatedly told that I needed to wait XXXX to XXXX business days for someone from the fraud department or resolutions team to contact me. And had to routinely call after XXXX to XXXX business days to reinitiate these contact. On XX/XX/XXXX, I previously filed a CFPB complaint that was resolved with the company stating that my funds would be released on XX/XX/XXXX, when the account was actionable. On XX/XX/XXXX I called to action my account, unfreeze it, and make sure the funds were reversed and was told that I had to wait XXXX to XXXX business days. To get this reversed, I escalated this to a supervisor who told me that they could flag the problem as high priority, and it would take XXXX to XXXX business days to reach out to me. On XX/XX/XXXX I called to resolve this issue yet again, as it had been XXXX business days and I had not heard from anybody on the fraud department. I was told by a supervisor that I can not contact the fraud department directly as they are " A back office team '' and have no direct contact number. When I asked to speak to the supervisors manager, I was told that there was no way to contact them. When I requested copies of all of the phone call recordings, so that I may have them to present to an attorney to escalate the situation further, as I need these funds to close on a house in 8 days on XXXX the XXXX, I was told a that they could not get me to a manager and B that they could not, and nobody else could provide me the contact information or phone recordings. I was also told by the supervisor I spoke with on XX/XX/XXXX that the fraud department attempted to unfreeze my account in XXXX and were unable to do so. In response to this issue I have filed a complaint with the FBI, I will file an additional complaint with the XXXX XXXX XXXX and I have contacted several attorneys to resolve this problem. My money has been stuck in this account for XXXX  days and despite my best efforts to remove my funds from this account and repeated conversations with supervisors at the customer service department, I have not had access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am filing this complaint because Synchrony Bank has repeatedly failed to provide the " Merchant Denial Response '' documents for my dispute, despite over seven requests and three reopened cases. I am being charged for prescription lenses that are medically ineffective and functionally unusable.

The merchant provided lenses based on a prescription that was barely different from my previous one. More importantly, the lenses provided are inaccurate ; I can not see clearly through them.

I obtained a second opinion from another optometrist, who confirmed that the lenses provided by XXXX XXXX XXXX do not satisfy my vision requirements and are incorrect.

I have contacted the merchant, who refuses to rectify the error or issue a refund.

Synchronys Failure : I have opened this dispute three times. Each time, Synchrony denies the claim but refuses to send me the merchant 's rebuttal. I have called at least seven times to request these documents so I can respond to their " denial, '' but the agents ( who have significant language barriers ) repeatedly promise they will be sent, yet they never arrive. 

There is no path to a supervisor or the specific " Disputes Department. '' I am stuck in a loop of broken promises and incompetent customer service.

I request that Synchrony Bank immediately provide the written denial/response from XXXX XXXX XXXX XXXX Also, permanently reverse the charges for these defective lenses, as I should not be held financially responsible for an incorrect medical prescription that has been verified as wrong by a second professional.

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: NC

Complaint narrative:
Balance Reported : {$2900.00} Account Type : Debt Buyer Date Opened : XX/XX/year> This account is being reported as a valid collection ; however, I dispute this account in its entirety. The information provided is incomplete and unverified. As a debt buyer, Jefferson Capital Systems has not provided evidence that : I owe the alleged debt The amount reported is accurate They have the legal authority to collect or report this debt The debt has been properly validated as required under the Fair Credit Reporting Act ( FCRA ) Additionally, the account lacks supporting documentation such as the original creditor agreement, itemized billing, or proof of ownership.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that this account be investigated and verified. If Jefferson Capital Systems can not provide proper verification, this account must be deleted from my credit report.

Please complete your investigation and notify me of the results within the time period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
in XX/XX/year> I closed this account and paid off the balance of {$18.00} spoke with a representative at the time to close the account down at that time. There was no remaining balance the next month I received a bill stating that there was a late fee and my payment was due. The representative sent me an email with the confirmation of the payment and the closing of the account in XXXX the email was time sensitive and erased after a day since then every month I keep getting a late fee on a payment that I never owed it is now up to {$150.00} and keep accruing a late fee each month.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
someone try open a Chase credit card with stolen my SSN. 
I called Chase to report this fraudulent activity and Chase is acknowledeged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: TX

Complaint narrative:
I am disputing the accuracy of the account reported by American Coradius XXXX ( Reference # XXXX ) because it is the same debt originally reported by XXXX ( XXXX XXXX XXXX XXXX ), which has already been fully paid and closed. According to my credit report, the original account shows a {$0.00} balance, closed status, and 100 % on-time payments as of XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), a credit bureau or collector may only report accurate information. Since this debt was fully satisfied with the original creditor, reporting it as open or unpaid is inaccurate and misleading. I am requesting that this account be removed from my credit report unless complete verification can be provided showing it is a valid, outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am reporting Gross Negligence by my mortgage servicer regarding a loss of over {$20000.00}. Previously, the servicer stated they " had no say '' in a series of ACH reversals initiated by the payor 's bank and that it was not their error. This was false.

On [ Insert Today 's Date ], I confirmed with the originating bank ( Trace # XXXX ) that on XX/XX/year>, they sent a Regulation E inquiry to the servicer regarding these payments. Instead of disputing the claim, the servicer responded via fax explicitly stating that " Permission was granted '' to return the funds.

This is actionable negligence : Proof of Authorization : At the exact time the servicer faxed " permission '' to return the funds, their own Executive Office possessed Call Logs proving the payor authorized these payments via her verified cell phone ( ( XXXX ) XXXX ). 

Failure to Defend : The servicer had the evidence to deny the claim immediately. Instead, they voluntarily authorized the refund of 18 months of valid payments. 

This negligence aided in the theft of my equity and placed my account in default.

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unable to setup account, or retrieve account information from Service Finance or their hotline, which is preventing me from making payments for the loan I just took out, thus accruing interest!

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
Solar guy came to the door. Said things that were not true. Damage to my roof unfixed. Now out of business and no adjusted price with no warranty on my solar and I still have outrageous electricity bill. Good leap is the financed company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I had several procedures ( 6+ ) done by XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX to repair and replace a XXXX. In order to have the next procedure done, XXXX XXXX XXXX would not allow any balance on the account. Payment was always collected by their office, and then my next scheduled procedure would take place. My FINAL XXXX, where the XXXX XXXX  was finally placed ( after several XXXX XXXX XXXX XXXX XXXX XXXX XXXX, required payment in advanced. That payment was collected by XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My final XXXX took place. I thought I could move on with my life. 

I moved back to XXXX XXXX XXXXXXXX to live with my mom after my father passed away and within 3 months I started receiving {$1500.00} bills from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( My father was a XXXXXXXX XXXX XXXXXXXX XXXX was also aware of that. ) In fact, both from the XXXX XXXX XXXX 

I knew this was fraudulent, as the XXXX would not even schedule my final procedure until any balance was paid. 

This practice always received immediate payment. After my father 's death, the invoice relentlessly arrived in the mail every couple of weeks from XXXX. Now, over 17 years, I just received a notification from my Credit Report of a " new collection '' from XX/XX/XXXX from TRANSWORLDS SYSTEMS. I called TRANSWORLDS SYSTEMS to inquire and learned that this is from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XXXX XXXX from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has hunted me & harassed me for fraudulent invoices. Specifically, XXXX XXXX XXXX XXXX who conducted all of my procedures ) and based off of their website, she no longer practices with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They were paid over {$25000.00}, collectively at the time ( s ) of service ( often even before the time of service ) for my series of out-of-pocket oral procedures.

This item not only fraudulent but also obsolete under the FCRA 7-year rule. I am requesting immediate removal of this outdated item from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am submitting this compliant because XXXXXXXX XXXX is reporting a fradulent account on my credit report. I did not not apply for authorize or enter into any loan or financing agreement with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I purchased merchandise from XXXX XXXX using XXXX XXXX, financed through an Affirm installment loan, for a total of {$520.00}. 

The merchandise was returned. XXXX confirmed the return was completed and that the refund was issued back to XXXX XXXX. XXXX XXXX also shows the transaction as completed and fully refunded. 

Despite this, Affirm continues to show an active loan balance for this purchase and has continued billing me for merchandise that was returned and refunded. I have already made payments for items I do not possess. 

Since shortly after XXXX, I have contacted Affirm, XXXX XXXX, and XXXX multiple times attempting to resolve this issue. XXXX and XXXX XXXX both confirm that the refund was completed and that no funds are being held. Affirm has not reconciled the refund or corrected the loan balance. 

I am disputing this as a billing error and requesting that the loan balance be corrected to {$0.00}, all payments made toward this loan be refunded, and written confirmation be provided that the account has been corrected and will not be reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a call from XXXX and XXXX XXXX person name was XXXX and she stated that they were paperwork in her office that I had a credit card from capital one and never paid it. They have been calling my family with this information. When I told her that I never had an account with Capital One she responded by saying its your social security number not mine. I again requested information and she refused to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX hard inquiry from citi bank for an XXXX XXXX credit card which I didnt ask for was trying to open without my concern.

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: GA

Complaint narrative:
I had a line of credit account with CreditFresh ( Account # XXXXXXXX ), originated by XXXX XXXX. I fully repaid the principal and closed the account, with no outstanding balance. 
Upon reviewing my documents, I discovered a serious violation of the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) and Regulation Z. The Truth in Lending Statement provided to me on XX/XX/XXXX, includes only a tiered " Billing Cycle Charge '' table and completely omits any numerical Annual Percentage Rate ( APR ). Federal law requires clear and conspicuous disclosure of the APR for open-end credit so consumers can understand and compare the true cost of borrowing. 
This missing disclosure prevented me from appreciating the effective annualized cost, which exceeded XXXX % on my {$1000.00} draw based on the charges applied. I paid a total of {$700.00} in Billing Cycle Charges ( finance charges ) despite making all required payments on time and working to pay off quickly to minimize costs. 
On XX/XX/XXXX, I sent a certified demand letter ( with return receipt ) to CreditFresh and XXXX XXXX  proposing an informal resolution : a {$2500.00} one-time payment ( including full refund of {$700.00} + statutory damages under 15 U.S.C. 1640 ) and written confirmation of {$0.00} balance/no further obligations. I requested a response within XXXX  days. I have received no response to date.

Company response to consumer: Closed with explanation