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 when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and payment processing failures on a closed Chase credit card account. 

The account was closed by Chase, not by me. Prior to and after closure, I had established automatic payments from my checking account. Without notice, those payments stopped processing. After the account was closed, I was locked out of Chase online access and could no longer view or manage the account. 

When I attempted to resolve this by phone, Chases automated system requires an account number, which I can not access because the account is closed and inaccessible online. As a result, I was denied reasonable means to make payments despite attempting to do so in good faith. 

Despite this, Chase has continued to report rolling late payments ( 30/60/90+ days past due ) to the credit bureaus on a closed account. I disputed this with XXXX. XXXX  completed its reinvestigation on XX/XX/year>, and reported that Chase verified the account, but only modified historical account information. The late payment history remains, even though Chases own servicing failures prevented payment. 

Reporting ongoing delinquencies under these circumstances is inaccurate and misleading. A consumer can not be reported late when the furnisher has : Closed the account Revoked online access Provided no functional payment channel Continued reporting delinquency without reasonable opportunity to cure This appears to violate the Fair Credit Reporting Act requirement that furnishers report information accurately and completely, including accounting for circumstances caused by the furnishers own actions. 

I am requesting that Chase conduct a proper review of this account at the compliance level and correct or delete the inaccurate negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
b'Dear Consumer Financial Protection Bureau,\n\nI am writing to formally request your assistance regarding a dispute with PayPal involving an improperly handled transaction, an unauthorized partial release of funds, and PayPals continued refusal to return my money despite clear evidence and merchant concurrence.XXXX XXXX XXXX XXXX  I sent a payment through PayPal to a merchant for services that were never completed. PayPal represented that the full amount would be delivered as intended. Instead, PayPal unilaterally released only a partial amount of my funds to the merchant without my authorization or consent.\n\nUpon learning of this issue, the merchant acknowledged the failed transaction, confirmed cancellation of the service, and formally requested that PayPal refund my money in full. Despite this, PayPal has refused to return my funds and has instead retained fees and withheld the remaining balance, leaving me financially harmed through no fault of my own.\n\nI have made repeated, good-faith attempts to resolve this matter directly with PayPal through their Resolution Center and customer support channels. Unfortunately, PayPal has declined to provide a full refund, even though:\n\n- The service was canceled\n- The merchant agrees to the refund\n- The partial release of funds was not authorized by me\n- PayPals own representations regarding delivery were not fulfilled\n\nI believe this conduct constitutes unfair and unreasonable handling of consumer funds and a failure to provide the protections promised under PayPals policies and U.S. consumer financial regulations.\n\nI respectfully request the CFPBs intervention to review this matter and require PayPal to:\n\n1. Refund the full amount of my transaction, including all fees retained\n2. Correct any improper handling of my funds\n3. Ensure compliance with fair consumer protection practices\n\nI have attached all supporting documentation, including transaction records, merchant communications, and PayPal correspondence, to substantiate my claim.\n\nThank you for your time, attention, and commitment to protecting consumers. I trust that with your assistance, this matter can be resolved promptly and fairly.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
Re : REQUEST FOR REINVESTIGATION To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1.The balance payment history and current status appear inconsistent with the creditors own records. No supporting documentation has been provided to validate ownership or balance accuracy. This may indicate inaccurate or incomplete data reporting under FCRA 623 ( a ). 
CROSSCOUNTRY MTG/XXXX XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have repeatedly requested closure of my PayPal account. 

PayPals automated system provided contradictory statements regarding an alleged account limitation, alternately stating that no limitation existed and that one did, without explanation. 

I have no balance, no pending transactions, no subscriptions, and no open disputes. Despite this, PayPal has refused to close my account and has failed to respond to my formal complaint sent through their support system. 

I am requesting that PayPal close my account immediately and confirm in writing that my account is terminated and that my data will be handled according to applicable privacy laws.

Company response to consumer: Closed with non-monetary relief
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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I disputed a charge XXXX of {$62.00} description XXXX XXXX XXXX XXXX from XXXX XXXX which I did not place, and that I do not recognize on my Citibank credit card Double Cash account ending in # XXXX. Citibank notified me that the charge was reversed and removed from my statement. Subsequently to that Citibank reversed the charge notating that XXXX XXXX had provided some proof of the purchase. The proof of purchase provided by XXXX XXXX lists a different card holder under the name of XXXX XXXX with address at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ. The proof of purchase also notated that XXXX XXXX had in the past made various purchases with XXXX XXXX. The purchase under dispute is for 2x cholocalte shakes, 2x vanilla shakes, and 6x Ranch Snacks. Again I have not purchased or received any of those items and I am completely unfamiliar with the above address in XXXX XXXX or a person named XXXX XXXX. Citibank should not have reversed the fraudulent charge under my card when it is clear that XXXX XXXX submitted confirmation for another completely different person.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Global Credit & Collection Corporation
State: IL

Complaint narrative:
On XX/XX/year> a fraudulent check made for XXXX was cashed through an ATM in a different state then were I live XXXX. The check had a different name and address on it. 
XXXX The routing number was INCORRECT The person also tried a second time to cash another XXXX check the same day and was denied. 

The same person also attempted XXXX more times on XX/XX/year>. They were denied. 

My bank, XXXX XXXX XXXXXXXX XXXX has still not returned the money into our account as of XX/XX/year>. They stated that the bank that cashed it is their " sister store ''. 

The XXXX XXXX XXXX XXXX in XXXX XXXX NJ cashed a check with VERY INCORRECT and fraudulent information.HOW can this happen? 

We received late charges for auto pay bills that are attached to that account due to having to close the account. 

It affected our credit scores.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
Subject : Complaint Against Jefferson Capital Systems , LLC FDCPA & FCRA Violations I am submitting this complaint against Jefferson Capital Systems , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Jefferson Capital Systems , LLC has engaged in improper debt collection practices and inaccurate credit reporting regarding an alleged debt they claim I owe. 

Summary of Issues : - Jefferson Capital Systems , LLC has reported the same alleged debt more than once to consumer reporting agencies, creating duplicate tradelines. 
- This duplicate reporting inaccurately inflates my debt and misrepresents the character, amount, and legal status of the account. 
- I have disputed this inaccurate reporting directly with the credit bureaus. 
- I have also demanded that Jefferson Capital Systems , LLC cease collection activity and correct the inaccurate reporting. 
- Despite this, the inaccurate and duplicate reporting remains, and collection activity has continued. 

Violations Include : - Misrepresentation of a debt in violation of 15 U.S.C. 1692e - Use of unfair or unconscionable collection practices in violation of 15 U.S.C. 1692f - Failure to report accurate information and failure to properly investigate disputed information in violation of 15 U.S.C. 1681s-2 Resolution Requested : - Immediate correction or deletion of all inaccurate and duplicate credit reporting - Immediate cessation of all collection activity - Written confirmation that these violations have been remedied - Assurance of future compliance with federal consumer protection laws I am requesting the CFPBs assistance in resolving this matter and ensuring Jefferson Capital Systems , LLC complies with all applicable federal laws.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-05 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: MI

Complaint narrative:
XX/XX/year> {$120.00} charge was on our credit card that we did not make. 

XX/XX/year> reported fraud to Bank of America and claim opened claim # XXXX. 

XX/XX/year> my husband went to XXXX and manager walked him through the charge card process. There is no place on machine to enter pin nor sign for credit card purchases. The manager also said every morning machines are checked for skimmers due to issues. 

XX/XX/year> received notice claim was denied saying card was present and either pin number or signature authorizing purchase was obtained. 

XX/XX/year> we contacted Bank of America and after being on hold 1 hour and 15 minutes talked with XXXX from Arizona. He said he noted the file with additional information and reopened claim. 

XX/XX/year> I contacted Bank of America as I did not see any change in status with claim reopened or alert. I talked with XXXX from Arkansas who said there is no documentation from XX/XX/year> call nor was claim reopened. She said she would reopen it and said we had a better chance of this being approved if it were submitted as a billing dispute. 

Submitting this as I am not confident the dispute is being handled properly. I feel like we have put a lot of time into this and the company pushing us off especially with no documentation of a prior communication.

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 2026-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I spoke to a rep from United Wholesale Mortage company this morning, but he was very rude and did nothing but lecture me regarding if the late payment were to be moved to the end of the loan how would I even be able to make the payments in the future. I told him at leas it would be a start over but again he wasn't willing to help me solve my issue. 
I've tried to get help but again I've never received any response through the mail reason is I've tried several times to get them to send it to my mailing address not XXXX XXXX address but they refuse to make the change. 
I'm willing to make an effort to try to get myself caught up but again will not take any money they I offer put it toward the late payment because they will not except partial payments. 
I don't appreciate being treated so poorly and being lectured by this person the ID number to this person is XXXX I ended the conversation with him after being disrespected. 
We are all going through hard times. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Missing money since 2024. I made a XXXX dollar payment they said did not go through the bank said it went through and now the money is no where to be found. The bank has tried to contact UWM and nothing has been resolved. 

I've enclosed a letter from my bank for your review.

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 with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I bought shoes off of XXXX using XXXX XXXX XXXX XXXX. It was shipping with tracking but NO signature, and the package was stolen from my mail room. Filed a police report by XXXX is forcing me to pay for the stolen item regardless, tried to do a chargeback with them and it was denied because it was listed as delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Prior to XX/XX/year> I had tried for hours through the Sofi App and Website to close my Banking Account ( s ) with Sofi to no avail. I took a video of the circles their prompts take you to no end/resolution. 

So on XX/XX/year> I made two calls to Sofi inorder to close down the accounts. I video taped the calls. 
After getting nothing but placating idiocy and lies from the 1st Sofi Rep the 2nd produced a of some sorts. This person promised me the account ( s ) would be closed WITH ZERO FURTHER ACTIONS NEEDED FROM ME. 

BUT, because I'm EXPERIENCED with crooked corporate America I Emailed them too ( please see attachments ) just to insure these clueless careless crooked cons got the message. So I have both Emails and Video 's of conversations with Sofi regarding their ineptness. 

Now, guess who got a WAKE UP NOTIFICATION on XX/XX/year> @ XXXX THIS MORNING TO inform me my Sofi Account is now NEGATIVE because something hit my O P E N account. Thanks for waking me up and starting my day with a nightmare Sofi. Class Action Lawsuits made easy huh. 

When will Companies like this start being SERIOUSLY held responsible for all the aggravation they cause, all the time they steal from us and all the energy they waist. Slapping their hands is A SLAP TO OUR FACES!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> I received several emails from Truist with new accounts open without my consent ( both a savings account and a checking account ). I called Truist company to request these accounts to be closed. I was told they were closed.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I do not recognize this account and never opened an account with MoneyLion. I never applied for, authorized, or received any funds from MoneyLion. 

This account is being reported on my credit report without my knowledge or consent. I am requesting full validation including the original application, contract bearing my signature, and proof that this account belongs to me. 

If MoneyLion can not provide this documentation, I am requesting immediate deletion of this account from XXXX XXXX XXXX XXXX 

Reporting an account that I did not open or authorize is inaccurate and harmful to my credit profile.

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 — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I recieved a text message XXXX of XXXX but recieved an email a few days before from a Halsted financial XXXXXXXX debt collector. I wasnt aware of any debt and the information looked a bit off nor do I recognize the loan or the company its under. So I submitted a written cease-communication request on XX/XX/2026 and a follow-up on XX/XX/2026. Continued text messages may constitute a violation of the FDCPA and i keep getting messages with no cease and desist nor any clarity of any type of validation of debt. Just continuous messages of paying the balance due. Halsted Financial Services , LLC ( doing business as Halsted Financial )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank refuses to honor a {$200.00} sign-up bonus for a new credit card account, claiming I did not meet the spending requirement in the first 3 months. The truth is I was unable to use the card because it was technically defective due to a bank error. 
I am filing this complaint because I received NEW EVIDENCE in a final denial letter dated XXXX XXXX, 2026. In this letter, Chase explicitly admits in writing that they had to " fix a security setting '' on my account. 
Specifically, the letter states : " We have no record of advising that the card was unusable prior to fixing a security setting. '' The letter also confirms the card was " first used on XXXX XXXX 2025. '' This date corresponds exactly to when Chase applied the security fix. Before this date, the card declined transactions. 
It is an Unfair and Deceptive Act or Practice ( UDAP ) to sell a defective product, fix it months later, and then deny a promotional bonus because the consumer could not use the product while it was broken. 
Furthermore, Chase justifies the denial by claiming " no call logs exist '' from XXXX to XXXX. This is false. I attempted to contact support multiple times regarding the declined card. Due to my limited XXXX proficiency, I requested translation services. Instead of assisting, agents repeatedly disconnected the calls or failed to log the tickets properly. Chase is now using their own failure to provide equal access ( Language Line ) as an excuse to deny my claim.

Company response to consumer: Closed with explanation