vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service
State: OK

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX : Improper Closure of Military Star Card Account Without Notice and Credit Score Harm I am filing a formal complaint regarding the Army and Air Force Exchange Service ( AAFES ) Military Star Card program for the sudden closure of my credit card account without notice and the resulting negative impact on my credit profile. I have held my XXXX XXXX XXXX account since XXXX, making it my oldest credit account. This account has been maintained for decades and represents a significant portion of my established credit history. I was not provided any prior notice that my account would be closed. I only discovered the closure after the fact. I was not informed of any delinquency or account misuse that would justify this action. The closure of this account will cause substantial harm to my credit profile by reducing the average age of my credit history and removing my longest-standing account. This will negatively impacted my credit score. I am requesting the following : XXXX. A full explanation of why my account was closed XXXX. Documentation of any notice allegedly provided prior to closure XXXX. A review of the decision to determine whether proper procedures were followed XXXX. Consideration of reinstating the account or correcting credit reporting to reflect the account history appropriately I have maintained this account in good standing for many years and relied on it as part of my long-term credit profile. The lack of notice and the resulting damage to my credit history is both unexpected, significant and undeserved. Thank you for your attention to this matter. I am requesting a formal written response. 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 2026-04-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>, {$320.00} XXXX XXXX. I paid it and I got it but not happy because not work so I decide return and request refund. I been wait longs until XXXX decide refused give me back refund but I already returned package to XXXX XXXX. I did print label ship too. So I decide report Citi credit card too because I did open dispute other case. Citi decide denied my case. XXXX mad. So I did explain what happen.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Dispute and Demand for Compensation Due to XXXX XXXX XXXX Bank of America Account Reference # XXXX To XXXX XXXX XXXX, XX/XX/year> I am writing to formally dispute the fraudulent debt collection activities related to the Bank of America account ( # XXXX ) reported on my credit file. This debt was previously charged off and written off as a loss on Bank XXXX XXXX tax returns, and it has been credited by the IRS. Despite this, XXXX XXXX XXXX is attempting to collect on a debt that is legally XXXX. This constitutes a violation and fraud on my credit profile, damaging my creditworthiness and causing me harm. Due to these unlawful actions, you owe me {$1000.00} for this violation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Trying to use debit card this week, not working, called and card and account frozen. Told to transfer to another bank. Also have checks for account that needed to use ; just trying to make usage and there's no reason for a complete freeze on account for a customer of length.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I had an account with Wells Fargo around XXXX, countless times I had overdraft fees taken out, and it was obvious that the bank was intentionally making as many withdrawals the day before paydays to secure the overdraft fees. Happened more times than I could count

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 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, Optum Bank mailed a replacement HSA debit card to an unverified, outdated address. I never received, activated, or accepted this card. From XX/XX/XXXX through XX/XX/XXXX, an unauthorized party used this card across XXXX transactions totaling {$17000.00} at XXXX different XXXX retail locations ( general retail XXXX XXXX, not medical ). On XXXX separate days the card was used at multiple different XXXX stores in the same day a textbook velocity hopping fraud pattern Optum never flagged. My phone number XXXX was verified and correct on file the entire time Optum sent XXXX transaction alerts. Optum 's own representative acknowledged on a recorded call that XXXX accounts have no alerts and that security is, in their words, loose. The card was activated using only the card number no PIN, XXXX, XXXX, or XXXX violating the FACT Act Red Flags Rule. My XXXX and XXXX XXXX show {$1300.00} and {$370.00} in legitimate medical expenses. My XXXX XXXX shows {$6000.00} mostly fraud which XXXX reported XXXX the IRS as XXXX distributions, creating a tax liability I never authorized. I filed XXXX Police XXXX XXXX XXXX and FTC Report XXXX. I sent a formal written dispute to Optum on XX/XX/XXXX citing XXXX XXXX XXXX XXXX XXXX, XXXX ( b ) ( XXXX ), FACT Act XXXX CFR Part XXXX, and XXXX failure under IRS Notice XXXX. XXXX offered only 60 days of refund inadequate given I never accepted the card and was given no alerts on a verified phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMCB CARD is falsely reporting on my credit. I have never had any accounts with them. Per my research JPMCB CARD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: CA

Complaint narrative:
XX/XX/year>. {$1400.00} XXXX rental truck. I did report my bank Chase too. I did booked appointment XXXX first week. For rent truck on XX/XX/XXXX. Total over {$3000.00} and drive Florida to California. For move out live California. I called budget if truck pick up ready XXXX? He keep hung on me because XXXX deaf. So I show up budget store and ask why hung on me? He say sorry thought scammer. So I ask where truck? He say sorry delay maybe later XXXX so he ask me go ahead paid full amount. I use XXXX card. One Chase debit to pay {$1400.00} and another credit card {$1600.00}. Then truck arrive XXXX and not happy because wrong size small XXXX. I order big XXXX foot truck. Im mad and I told him cancel and want refund back. Waste my time. He say wait XXXX days process refund. I been wait and already move here XXXX. I kept call budget rent trucks they ignore me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: CO

Complaint narrative:
Misleading Credit Card XXXX XXXX XXXX 10 % Discount Not Honored I am filing a complaint regarding a marketed credit card benefit associated with my XXXX XXXX XXXX card issued by Chase. The cardmember materials state that I would receive a 10 % discount on XXXX XXXX flights when booking through a specific link ( XXXX ). I followed these instructions exactly and booked a XXXX XXXX round-trip flight from XXXX to XXXX using XXXX link XXXX XX/XX/year>. My total ticket cost was {$4300.00}. The advertised 10 % discount equals {$430.00}, which was not applied to my booking. At no point in the cardmember materials I received was it clearly or conspicuously disclosed that I was required to manually enter a separate promotional code ( XXXX ) during checkout in order to receive the discount. The materials instead indicate that using the provided link is sufficient. As a result, the benefit was not delivered as advertised. I contacted XXXX XXXX, and they stated this is a Chase-administered benefit and not something they can resolve. I then contacted Chase multiple times over a period of XXXX months and was repeatedly directed back to XXXX XXXX. Neither company has taken responsibility nor provided a resolution. This represents a misleading benefit disclosure issue, where the terms required to receive the benefit were not clearly presented at XXXX XXXX of use. I am requesting a statement credit in the exact amount of {$430.00}, which reflects the promised 10 % discount on my {$4300.00} purchase. I have attempted to resolve this directly with Chase without success and am seeking assistance in obtaining the advertised benefit. Desired Resolution : XXXX / XXXX XXXX of {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I signed up for a Capital One offer with XXXX where it was advertised that I would receive XXXX miles upon creating a new XXXX account and placing an order. I received an email saying I successfully did this and that I would be receiving the miles. I actually received XXXX miles and was told that there was nothing I could do to receive the miles after contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity Theft. On Tuesday, XXXX XXXX, XXXX I received a XXXX XXXX XXXX in the mail. I reported it to XXXX as fraud. I also made a report to the XXXX credit bureaus, XXXX XXXX, federal trade commission, and made a Police Report. A third party has opened a XXXX credit card in which theres a balance of {$480.00} owed as of XX/XX/XXXX. I dispute the debt and request validation of it, since it was done fraudulently by a third party who stole my identity. According to XXXX5 U.S.C. section 1692g ( debt validation ) ; California XXXX XXXX section XXXX. I have continuously been notifying XXXX since XX/XX/XXXX and they have not yet resolved this fraud. I have sent all the proof with a certify affidavit and they refuse to accept this as fraud. I even have proof where I was at the time of those purchased. I am not the person who owes this debt to the XXXX Credit Card. I demand this issue to be solve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I am disputing the accuracy and completeness of my XXXX qualifying payment history. I began full-time employment with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and made payments prior to consolidating my loans around XX/XX/XXXX. However, my XXXX tracker does not display any payment periods from approximately XX/XX/XXXX through early XXXX. These months are completely missing from the ledger and do not appear as qualifying, non-qualifying, or uncertified, while other periods do appear. In XX/XX/XXXX, I submitted a notarized request through XXXX XXXX to correct my historical loan status going back to XXXX. Some updates occurred, but the missing periods were never added, indicating the correction was only partially applied. My PSLF reconsideration request was denied without addressing the missing history or incomplete correction. I am requesting a full reconstruction of my pre-consolidation repayment history, full application of the XXXX approved correction, and correction of my PSLF payment count.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Last XXXX of XXXX : XXXX XXXX RE : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute several inaccurate and/or unverifiable accounts currently reporting on my credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After reviewing my credit report, I have identified the following accounts as inaccurate, incomplete, misleading, and/or inconsistent across reporting agencies : - Capital One - XXXX - XXXX Bank XXXX Applied Bank XXXX XXXX / XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being disputed for the following reasons : 1. Inaccurate and inconsistent reporting The information reported for these accounts is inconsistent across consumer reporting agencies, including but not limited to balances, account status, payment history, and dates. This violates the requirement to report with maximum possible accuracy under 1681e ( b ). 2. Failure to provide complete and verifiable information I request that each furnisher provide proper verification of the original signed agreement, full payment history, and documentation supporting the reported balances and statuses. If this information can not be verified, the accounts must be deleted pursuant to 1681i. 3. Potential duplicate and misleading reporting Some of these accounts appear to be reported in a manner that may result in duplicate or misleading representation of the same debt, which is prohibited under FCRA accuracy standards. 4. Questionable reporting of charge-offs and collections Certain accounts reflect charge-off or collection statuses with balances that may not be accurate or properly updated. Please verify that these accounts are being reported in full compliance with FCRA guidelines. Under the Fair Credit Reporting Act, you are required to conduct a reasonable reinvestigation of these matters within 30 days. If you are unable to verify the accuracy of any disputed item, it must be promptly deleted from my credit file. Please provide me with : - Documentation used to verify these accounts - The method of verification - The name and contact information of the furnisher If these items are verified, I request a complete description of the procedure used to determine the accuracy, as required under 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, please send me an updated copy of my credit report reflecting any changes. I expect full compliance with all applicable provisions of the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding a fraudulent account that is being reported on my credit profile. This account ( ending in XXXX ) was opened as a result of identity theft, as documented in my FTC Identity Theft Report ( Report # XXXX ). I did not authorize, open, or benefit from this account in any way. Despite providing identity theft documentation, Jefferson Capital Systems continues to report this account and has failed to comply with federal requirements for handling identity theft disputes. Under 15 U.S.C. 1681c-2, credit reporting agencies and furnishers are required to block and remove information resulting from identity theft within XXXX business days of receiving a valid identity theft report. Their failure to do so indicates non-compliance with federal law. Additionally, under 15 U.S.C. 1681e ( b ), all information reported must meet the standard of maximum possible accuracy. Reporting a fraudulent account clearly violates this requirement. If Jefferson Capital Systems verified this account, I am formally requesting the method of verification, including : The name and contact information of the party who verified the account The documentation used to validate the debt Proof of my contractual obligation, including a signed agreement If such documentation can not be produced, then the account must be deleted immediately. I am demanding : Immediate removal of this account from all credit reports Written confirmation of deletion Immediate cease and desist on all collection efforts Failure to comply will result in escalation through additional regulatory complaints and legal enforcement for violations of FCRA and FDCPA statutes. This is a formal notice to resolve this matter without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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:
On XX/XX/XXXX my husband searched for XXXX XXXX in XXXX XXXX and unknowingly clicked a sponsored link, not the official website. He called the number listed and requested XXXX queen beds for our family of XXXX ( arrival XX/XX/XXXX, departure XX/XX/XXXX ). He was told only king beds were available, so he declined. About XXXX minutes later, he received a call back stating XXXX XXXX had become available. He asked about the cancellation policy due to family illness concerns and was told he could cancel up to XXXX hours PRIOR to arrival. Based on that, he booked and provided payment over the phone for {$1000.00}. We never received a confirmation email, so I called the actual XXXX XXXX. They had a reservation for XXXX king bed with a cancellation policy of XXXX hours AFTER booking, and a lower rate than what we were charged ( {$670.00} ). The hotel confirmed the booking was made through an unfamiliar third party, canceled the reservation, and issued a folio, advising me to contact the third party for a refund. I contacted XXXX, who the hotel provided the information for, but was told they needed authorization from XXXX. Attempts to coordinate both companies failed, with dropped calls and no follow-up. XXXX required email communication but did not respond despite daily follow-ups. Calls resulted in hour-long holds, transfers, or dropped calls, and promised callbacks never occurred. I have phone records to support these attempts. I disputed the charge with my bank and provided documentation, including the hotel folio. However, the dispute was denied based on a confirmation email provided by XXXX that contained incorrect terms and an email address that is NOT ours. The terms provided at the time of booking over the phone were materially different from the terms reflected in the reservation and confirmation. We agreed to specific conditions, including room type and cancellation policy, which were not honored. This discrepancy constitutes a misrepresentation of the services sold. XXXX has similar stories on XXXX.

Company response to consumer: Closed with explanation