vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was saving my rent on my chime account by sending money into my checking account from the XXXX of XXXX till today and I login into my account to check the total amount I have on there because I will pay my rent by Friday all the money I was saving was transferred out using pay anyone transfer with different emails I login into the email on my chime account and I saw some login notification from XXXX and have never been to XXXX please help me I didnt authorize any of these transactions I dont want to be homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I noticed that I was cheated out of my early loan repayment refunds. I was supposed to receive a number of interest refunds from paying my loan back early and I noticed that I never received a few of them. I contacted Cash App Customer service on XXXX and my case was forwarded to the loan department. They sent me an email a few days later that was no help at all. They didnt even investigate my account in which they could CLEARLY see I only received the smaller refunded amount which was XXXX. I told them I did not received the other amount of XXXX and that is when I noticed I had been cheated out of multiple amounts! They send email advising of my refund amounts but they do not appear in my cash app balance. If they would investigating all of the amounts in my cash app balance then they would see those amounts never appeared! I DID NOT RECIEVE THE FOLLOWING AMOUNTS- XXXX {$3.00}, XXXX {$3.00}, XXXX {$4.00}, XXXX {$3.00}, XXXX {$3.00} TOTALING {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I applied for the Ally Spend ( Checking ) account on XX/XX/XXXX through the link XXXX XXXX XXXX using the promo code XXXX. The promo code is auto filled out and applied when you click through the link. I completed all the required details of the promotion but the bonus was never credited to my account. I chatted with agents multiple times and was told each time to just wait and that I would get the bonus. After about XXXX and a half months I called in and an agent said she would look into it. She stated the back office team said the promo was not on the application... even though the promo code is auto applied and I clicked through the promotional link on the website. They are stating I will not get the bonus even though I completed all the requirements. I would have never opened this account. Complete fraud of a bank and no assistance. The bank strung me along and then played a bait and switch.

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: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Ive been trying to contact bridge quest to try to get on some type of payment plan but every time they switch me over to the payment department. No one picks up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AR

Complaint narrative:
As of XX/XX/year>, I have apparently not paid off any of my student loans, despite sending {$500.00} a month to Edfinancial for about XXXX straight months. Edfinancial claims they never received these payments and that it may take a few months to get this issue resolved, but since there is no payment history, I can't cancel the payments, so I just have to keep giving my {$500.00} a month and hope it works out.

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 — Privacy issues
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
The information and balances and transactions are incorrect i want all and any transactions on this account in writing. Because I know this is not legal I want this removed from my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
SPRINGOAKCAP ( also reported as SPRINGOAKS ) is reporting a collection account in the amount of {$830.00} on my credit report for an alleged debt originally owed to XXXX XXXX XXXX. I was never provided any written notice of this debt prior to its appearance on my credit file, which is a direct violation of FDCPA 15 U.S.C. 1692g ( a ). I had no knowledge of this account and was denied the basic right to dispute or validate before negative reporting began a violation that alone is worth statutory damages. 
I have researched SPRINGOAKCAP and understand that companies in this space routinely report rental and lease-related accounts on consumer files. Because of the legal exposure involved in reporting another persons financial obligation, strict documentation is required to verify a debt before it can be lawfully furnished to credit reporting agencies. 
Despite my written request for validation more than 30 days ago, SPRINGOAKCAP has failed to provide any of the documentation required for proper debt validation. Proper validation requires, at minimum : Proof the account belonged to me ( matching service address, lease number, identifying information ) A complete itemized accounting showing how the {$830.00} balance was calculated Copies of the original lease agreement specifying financial obligations A full transaction and payment history from the original creditor Inspection reports, receipts, or vendor invoices for any alleged charges Proof that credits, deposits, or offsets were applied The date of first delinquency ( required for accurate reporting ) Documentation showing SPRINGOAKCAPs legal authority to collect and furnish this account None of this has been provided, yet SPRINGOAKCAP continues to broadcast the alleged balance as verified. Reporting a balance without verifiable transactional support is a direct violation of FCRA 1681e ( b ), which requires consumer information reported to credit bureaus to be accurate and complete. Continuing to report after a dispute without meaningful verification violates FCRA 1681i ( a ) and FCRA XXXX681s-2 ( a ) ( 3 ), which require a reinvestigation and deletion or correction of unverifiable information. XXXX XXXX reporting standards further mandate that all furnished data be factual, verifiable, and supported by business records a standard SPRINGOAKCAP plainly has failed to meet. 
Simply claiming the debt is owed is not verification. Unsupported assertions of a balance are not evidence and can not satisfy the legal criteria for reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: CA

Complaint narrative:
XXXX is reporting a collection account in the amount of {$350.00} on my credit report on behalf of XXXX XXXX. I never received any written notice of this alleged debt prior to it being placed on my credit file. I had no opportunity to dispute or request validation before negative reporting occurred. This is a direct violation of FDCPA 15 U.S.C. 1692g ( a ) and alone exposes VANCEHUFFMAN to statutory liability. 
After discovering this account, I requested full validation. VANCEHUFFMAN has failed to provide any lawful documentation proving that this debt is accurate, mine, or legally enforceable. No loan agreement, no payment history, no transaction ledger, no explanation of how the balance was calculated, no date of first delinquency, no proof of default, no proof of assignment, and no documentation establishing VANCEHUFFMANs authority to collect and furnish this account have been produced. 
Payday and short-term lending accounts require strict documentation due to frequent fee manipulation, interest stacking, and contractual limitations. Reporting a balance without producing a complete transactional history is reckless and inaccurate. 
Continuing to report this account without competent verification violates FCRA 1681e ( b ), FCRA 1681i ( a ), FCRA 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 1681s-2 ( a ) ( XXXX ), as well as XXXX XXXX reporting standards requiring factual, verifiable, and fully supported data. Simply labeling a balance as verified does not meet the legal standard of verification.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the month of XX/XX/XXXX, between XX/XX/XXXX and XX/XX/XXXX, there were XXXX fraudulent charges made to my Capital One Credit Card. When I first received my bill showing these charges, I disputed them by phone and the charges were removed. However, on XX/XX/XXXX, I received a statement in the mail claiming that I owed {$17000.00} which consists of all these fraudulent transactions which had been charged back to my account. I called Capital One once again on XX/XX/XXXX and was finally transferred to a XXXX named XXXX, who would not give me his last name, but gave me his employee ID of XXXX. He said the charges could not be removed. 

If you study the history of my account, then you will see that I never used the card this much and never even came close to using it for {$17000.00} worth of transactions over the entire life of the card ( approximately 1 year ). The charges were also made in the XXXX, FL area. I live in XXXX, FL and can verify that I was working from home during that time XXXX and have never been to XXXX, FL. 

The dates and amounts of the fraudulent charges were as follows : XX/XX/XXXX {$5.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$960.00} XX/XX/XXXX {$960.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$810.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$990.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$670.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$41.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$510.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/year> my mortgage was sold by XXXX Mortgage to PHH Mortgage. On XX/XX/year> I made a Escrow payment to XXXX over the phone in the amount of {$1200.00}. 
On XX/XX/year> I received notice via mail that my PHH mortgage was going to be increased by {$200.00} per month, due to deficient funds in my escrow account. 
Since that time, I have tried multiple times via telephone and email to explain that the Escrow was paid right before the Mortgage was sold. I have documents that prove this. Various customer representatives gave me emails that were invalid, and so, I have yet to correct this issue, as all of the emails get kicked back to me as invalid. The emails I was give XXXX. 
After XXXX phone calls, several emails, I am seriously concerned about the company that is handling my mortgage. There seems to be no way to contact a responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I recently discovered that I.C. System is reporting a collection account on my credit for {$1100.00} related to an alleged AT & T U-Verse account. I was never properly notified of this debt before it appeared on my credit report. I did not receive any written notice, validation notice, or opportunity to dispute prior to the reporting, which violates my rights under FDCPA 1692g.

Once I became aware of this account, I requested full validation. I specifically asked for proof that the account belongs to me, a complete itemized breakdown of the balance, transaction and payment history, copies of any final bills, proof of how the balance was calculated, the date of first delinquency, proof that any credits or deposits were applied, and documentation showing that I.C. System has legal authority to collect and report this account on behalf of XXXX XXXX XXXX XXXX. I also requested proof that proper written notice was ever sent to me. 
More than 30 days have passed, and none of this information has been provided. Without this documentation, there is no way for me to confirm that this debt is accurate, legitimate, or even mine. Continuing to report this account without proper verification violates FCRA 1681e ( b ), FCRA 1681i, FCRA 1681s-2, and Metro 2 reporting standards, which require that all reported information be complete, accurate, and supported by verifiable records.

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: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Called XX/XX/XXXX to main corporate number. Called said app is freezing would like to add my card to digital wallet. Ongoing problem with phone verification this isn't fixed and will result in me being told to go to the branch but I don't live near branch anymore. I am able to verift my number to login which on XX/XX/XXXX is the only option to login yet staff say even after they send me verification code and I give them the code that they cant enter the code therefore cant do anything. They take very long time on phone also to not help at all and hang up. They purposely drag out this issue to try to get rid of you instead of fixing this ongoing problem. Their app once again doesn't seem secure as there are many very visible application bugs. They seriously need new developers that are full-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CA

Complaint narrative:
PRO COLLECT is reporting a collection account in the amount of {$5300.00} on behalf of XXXX XXXX XXXX XXXX. I never received any written notice of this alleged debt before it was placed on my credit report. I had no knowledge of this account, no opportunity to dispute it, and no opportunity to request validation prior to credit reporting. This alone is a direct violation of FDCPA 15 U.S.C. 1692g ( a ), which requires written notice of the debt before or at the start of collection activity. That violation carries statutory liability of up to {$1000.00}. 
I have done my research on PRO COLLECT and understand that they routinely collect and report apartment-related debts, which require strict documentation due to the nature of rental charge calculations. Knowing this, I requested proper validation well over 30 days ago. Proper validation requires : proof the account belongs to me, a complete account ledger, itemized billing for all charges, invoices or vendor receipts for any alleged damages or cleaning, inspection reports, proof of how the {$5300.00} balance was calculated, proof that my security deposit was applied, proof of compliance with lease terms, the date of first delinquency, and documented proof that PRO COLLECT has legal authority to collect and furnish this account. None of this has been provided. 
Instead, PRO COLLECT continues to report a precise balance with no transactional support. Reporting a balance without accounting records violates FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). Continuing to report after a consumer dispute without meaningful verification violates FCRA 1681i ( a ) and 1681s-2 ( a ) ( 3 ). Metro 2 standards further require that all reported data be factual, verifiable, and supported by business records not landlord assertions or unsupported balance claims. 
Simply stating that a debt is owed is not validation. Unsupported claims are not evidence.

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: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I took out a My Chase Loan with a fixed 11.99 % APR and agreed to a 36-month repayment schedule. My account had a XXXX balance prior to the loan. 

In XXXX of 2025, a XXXX XXXX flight purchase of {$1600.00} was made on the card, immediately cancelled, and fully refunded. Chase applied the refund to my loan principle instead of restoring the purchase balance. 

As a result, Chase has charged interest on a refunded transaction and increased my monthly minimum payment by approximately {$50.00}, effectively forcing me to accelerate repayment of my loan beyond what I originally agreed to. 

Chase has denied my request to remove the interest and correct the payment schedule, stating this is system-driven. I am being charged interest on a phantom charge, as the purchased was refunded immediately upon me realizing it was charged to the wrong card. Essentially I am being charged interest on money i never owed and I am being required to pay more per month than I originally agreed to at the start of my loan. I was told to avoid paying interest at a higher rate than I agreed to I would need to pay the interest saving balance, which in turn forces me to pay back the loan faster than I agreed to. 

Instead of applying the credit from the flight to clear the charge, Chase applied the credit to the principle of the loan essentially paying themselves back sooner than agreed to and increasing the interest rate at which I agreed to. 

Another thing my payment for my original my chase loan included the principle and interest payment, but on my bills it is showing as a separate charge making it appear that I am being double charged for interest on my loan.

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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint regarding JPMorgan Chase Banks improper denial of multiple unauthorized credit card transactions, despite clear evidence and escalation through executive review. 

Summary of the issue : I authorized only XXXX single transaction with the merchant XXXX XXXX XXXX XXXX XXXX for approximately {$5000.00}. Every additional charge from this merchant was unauthorized, not approved by me, not recognized by me, and did not provide me any goods or services. 

Despite this, Chase denied both my fraud claim and billing dispute, and then denied my request for executive-level review. 

After the XXXX authorized transaction, the merchant processed multiple additional charges without my knowledge or consent. These charges were not recurring charges, were not part of any installment or delayed billing agreement, and were not supported by any authorization from me. 

I did not : Approve multiple charges Approve recurring billing Sign any agreement authorizing follow-up charges Receive goods or services related to these charges The disputed charges include multiple transactions totaling {$26000.00}. 

Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, unauthorized transactions are defined as charges made without : 1. Cardholder authorization 2. Cardholder participation 3. Cardholder benefit These transactions meet all three criteria. 

Chase has not provided evidence that I authorized these charges, nor has the merchant produced : Signed receipts Contracts or authorization agreements Proof of delivery or service IP address logs or verification tying the transactions to me Instead, Chase appears to be improperly treating these charges as related to the one authorized transaction, which is not supported by Regulation Z and does not override the requirement for clear cardholder authorization. 

This same merchant attempted unauthorized charges on three other credit cards I hold, totaling over {$20000.00}. 
All three other card issuers reviewed the identical pattern of activity and fully refunded the unauthorized transactions. 

Chase is the only bank that denied my claim, despite the same merchant, same behavior, and same lack of authorization. This establishes a clear pattern of merchant abuse and strongly supports my claim.

Company response to consumer: Closed with monetary relief