vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, I attempted to deposit roughly {$1200.00} at a Chase ATM. The ATM

malfunctioned during the transaction. Immediately afterward, a Chase teller counted the cash and confirmed that only {$700.00} was present, meaning about {$490.00} was missing at that moment.

I filed a dispute the same day. Chase later denied the claim, stating there were no ATM errors or discrepancies. However, no written explanation or audit documentation was provided at the time of denial. An absence of a system error or end-of-day discrepancy does not address a point-in-time cash shortage. 

I requested the claim denial explanation and ATM audit logs. Chase has stated these records will be mailed in 710 business days, but they have not yet been provided.

I am requesting executive review, full audit documentation ( including the audit window and reconciliation details ), and reimbursement of the missing {$480.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This complaint is in regard to an account reporting to my the XXXX credit bureau. I filled a debit validation letter asking for proof that the debt was being reported correctly and from the response that i was given, it clearly shows that this debt has been acquired by other companies in order to collect i have attached a response from World Finance Co that proves that they should not be reporting this debt on my credit report on all three credit reporting agencies. after you review I am insisting that this reporting be removed from my XXXX credit report. I have attached the debt validation letter along with the creditors response. The Account number is attached to the documents sent over

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received information regarding an inquiry on my credit report dated XX/XX/year> and I did not try to open up any credit cards in my name so that is what prompted me to reach out to both XXXX XXXX and synchrony bank regarding the fraud Credit Card opening.

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MD

Complaint narrative:
Hi, my US Bank XXXX XXXX card ending in XXXX was charged with an annual fee of {$95.00} for the year XXXX on XX/XX/XXXX and my card suddenly stopped working on XX/XX/XXXX. When I called the bank to check this, they said my account was reviewed and my card was closed and I will get a mail with the reason. I got the mail and it said suspected fraud. I am not sure what it meant and i just wanted to get my annual fee back since i had to pay that to make my account balance {$0.00}. So i called the customer service on XX/XX/XXXX and the supervisor XXXX said it can not be refunded as it is part of the product. Then i asked her on how the annual fee works in US Bank and she said it was the for the year I already used ( XX/XX/XXXX- XX/XX/XXXX ). But i remember paying that fee back in XX/XX/XXXX and asked her to cross check my XX/XX/XXXX statement once and she came back saying she was wrong and this new fee was for XX/XX/XXXX- XX/XX/XXXX. So I asked her to refund it as the account was closed by the bank without any heads up or any kind of communication. She kept saying that its part of the product and can not be refunded and asked me to contact accounts review team to get the fee refund. But I told her that I already spoke to accounts review team few days back and they asked me to contact customer service. I am not sure why a person at supervisor level would give me wrong information back to back and be rude and try to point fingers at other team instead of trying to resolve my issue. Please help in getting my annual fee refunded.

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 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Never took out this loan. Have done business in the past with this company and paid on time, and was satisfied. This loan being reported is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/year> for {$1100.00}

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris bank ( current customer ) On Friday XX/XX/year> I went to the ATM to make a deposit and the atm malfunctioned, I went inside the bank to tell them what happened, i spoke with the branch manager and he told me that by the end of the day I would get a temporary refund because the ATM stopped working, it was the amount of {$660.00} that I was supposed to pay rent with, i dont work as much because of the injury I had, that money was for my rent now I am facing eviction, they told me that it would take at least a month for them to the an investigation, about my money that I was depositing in my account??? I really feel like my rights as a customer were violated

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had scheduled a payment to my Venmo Credit Card from my XXXX bank account. A few days later, I closed that bank account, and unfortunately the payment didnt fully settle before the account was closed, which caused it to be returned. 
I want to be clear that I was actively trying to make my payment and I always pay my balance on time. This was an honest timing mistake related to closing my bank account, and not an intentional missed payment. Ive never had an issue like this before.

Because of my positive payment history and the circumstances, Im kindly requesting a one-time courtesy reversal of the {$30.00} returned-payment fee charged on XX/XX/year>. 
I contacted customer service to request a waiver, explaining my perfect payment history and that this was an isolated incident. The representative told me there was nothing they could do to help. I then asked to speak with a supervisor, but they also said there was no option to reimburse or remove the {$30.00} fee. Im escalating the complaint to CFPB because I believe a one-time waiver would be a fair and reasonable resolution given my history of on-time payments.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of a collection account being reported on my consumer credit file by Jefferson Capital Systems , LLC, reflecting an alleged balance of approximately {$310.00}.

This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Jefferson Capital Systems , LLC is not the original creditor. To date, no competent evidence has been produced demonstrating : The existence of a valid, enforceable consumer obligation Lawful ownership of the alleged debt A complete and unbroken chain of title from the original creditor to Jefferson Capital Systems , LLC A full itemized accounting of the amount being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX and XXXX of 2025, in separate transactions of approximately {$15000.00} each, a total of {$45000.00} was fraudulently withdrawn from my account at CitiBank. 
My bookkeeper brought this to my attention in XXXX and I filed a report in my branch. 
I received a letter from CitiBank dated XXXX stating they would investigate it over the next 45 days. 
During that XXXX period, I tried to check, but when I called I was connected to an operator overseas who didn't know much other than Citi had , XXXX times, faxed the receiving bank ( XXXX ) but had not received a response. I suggested they try another method to contact XXXX such as calling, email or US mail. 
I also suggested that someone make sure that is even a valid fax number. She said she had no control and could only tell me that status. 
I asked to talk to someone in the fraud department and she said they do not receive calls or talk with the public. 
I went to my local branch and had essentially the same conversation with the Branch Manager, XXXX XXXX. I asked XXXX to contact her boss and her boss boss but nothing happened. 
Then, on XX/XX/year> I received a notice from CitiBank saying they had not received a response from the bank that received my funds ( XXXX ) and the case was closed for CitiBank. 
Citi did nothing more than send XXXX faxes to an unverified fax number to retrieve my funds. And they now say they will do no more. 
I have asked both on the phone and in person to be put in contact with someone in management at Citi Bank but that has not happened.

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 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
The collection agency Fair Collections & Outsourcing , Inc. is attempting to collect and/or report an apartment debt that I do not owe for the amount of XXXX. Despite multiple written disputes sent XX/XX/XXXX and XX/XX/XXXX via certified mail, the company failed to provide lawful validation as required by the FDCPA and continues to pursue a legally invalid debt that was extinguished under Tennessee domestic-violence lease-termination law.

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 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I requested that ICC system sends me proof of authorization /Method of Verification Request to my mailing address, but they proceeded to send me out a bill stating that I needed to pay the accused day off {$630.00} via mail or pay online. I proceeded to dispute with XXXX, which later they notified me that the debt collector has my information, but was not privy to verifying my authorization there was no proof of authorization. This account does not belong to me nor was I in attendance when this account was made. 

account number is 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 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I've been a customer of Cash App with the same account going on 4 yrs now. Since opening my account I've used the account for the same things such as household items, bills, groceries ect. as well as when I did side jobs to make extra money such as cleaning houses Cash App would be the way the client 0aid me for the work I did. Since becoming eligible for the Borrow feature on Cash App I've accepted the borrow feature and borrowed and repaid month after month for years and never once had issue until XXXX XXXX Cash App allowed me to add funds to my account repay my borrow loan early and right after the payment was complete I went to follow the same routine I've followed for years month after month and borrow again. It was at that moment I get a notice at the top of the app stating that my account was deactivated for violating terms of acceptable use policy. I immediately appealed the closure and was denied when I brought up my concerns and asked what exactly did I do to violate anything due to i haven't done nything different using my account. I was told that they weren't allowed to provide me with that information. I feel like I've done nothing wrong for my account to be suddenly closed after repaying my loan early no less but yet I'm being done wrong and can't get an answer as to what exactly I did wrong or to be in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
I am submitting this complaint as a continuation of a previously filed CFPB complaint regarding OppLoans. 

While my original complaint is still pending and without receiving any response or resolution, OppLoans processed an ACH withdrawal from my bank account. 

This withdrawal occurred during an active dispute and resulted in an overdraft on my account. I did not authorize this withdrawal and had already notified the company of financial hardship and a pending claim. 

This action caused direct financial harm and is being documented as part of an ongoing pattern of improper collection activity while a complaint is under review. 

I am requesting that OppLoans immediately cease all ACH activity, address the overdraft caused, and respond formally to both complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: MOHELA
State: MI

Complaint narrative:
My problem is that I have a credit of {$740.00} on a student loan that I overpaid on in XXXX. I assumed the extra funds would have been allocated towards other loans. In XX/XX/XXXX I reached out on the mohela website after waiting 90 days after my first contact regarding this to see what was happening. I spoke to a woman in customer service who said it would be transferred to my loans with remaining balances. That never happened. I reached out XX/XX/XXXX for the same issue they sent an automated message back to me. Then again in XXXX I spoke with some one again and they told me it would be resolved. And recently I have reached out with no response on their end.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I transferred XXXX from my checking account with Chime on XX/XX/year>, which this company says the sent already and it is processed but that money has not been deposited into my XXXX account. XXXX has verified that haven't received any deposits from this bank at all in the amount aforementioned. I have sent screenshots to Chime to verify that no funds have been deposited into my XXXX account. Typically I send funds the fast way so that it is available within seconds, but this was a deposit that should have only taken 3-4 business days. I reached out twice to Chime, with the first representative informing me that the deposit could take an extra day or so. I waited, XXXX XXXX bank to verify if the deposit had posted or was pending in which XXXX advised me it was not. I reached out to chime today at XXXX XXXX  est, to let them know that no deposit has been received in regards to the transfer placed on XXXX XXXX. Which Chime, tells me again, that they already cleared the payment and refused to look any further into the issue. I will attach screenshots below.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint against TD Bank regarding a stolen check that was fraudulently negotiated. The check was stolen and cashed without my authorization. 

I reported this to TD Bank and opened a fraud claim nearly XXXX months ago. Despite timely reporting and multiple follow-ups, TD Bank has not returned the funds, has not provided provisional credit, and has not issued a written final determination explaining the delay or denial. 

The investigation has been unreasonably delayed. I am requesting that TD Bank comply with its obligations to promptly investigate stolen-check fraud and either return the funds or provide a clear written explanation supported by evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
So me and my boyfriend got paid via Paper Check and we didnt know chase bank changed their policy about third party checks. So then they restricted my account and have been holding the funds owed to my boyfriend ( {$500.00} ). The first month we called and tried customer services, we were told all he needed was a phone registered to his name. We got it and then he said that my boyfriend needs proof that the check was returned and rejected by XXXX XXXX XXXXXXXX. We got the proof that the check was returned and went to chase bank and talked with a manger who tried to help us. With both a registered number and proof the check was rejected from XXXX XXXX XXXXXXXX the manger from chase bank called customer services trying to verify the funds and clear the account. Customer service then told her that we need to wait XXXX  months to verify the phone number. So now its a waiting game but its been the XXXX month and they gave us a number to call for status check in. We can't call the number due to them shredding the debit card and restricting access to my online banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AL

Complaint narrative:
I disputed this account with Credit Control , LLC. The company acknowledged my dispute in writing and stated that collection activity was placed on hold pending verification from their client. 

Despite this, Credit Control continued collection activity by sending settlement demand emails and continues to report this account to the credit bureaus.

No debt validation has been provided to me as required under 15 U.S.C. 1692g ( b ). Reporting and collection activity during an active dispute appears to violate both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting that the furnisher cease collection, correct or delete any inaccurate credit reporting, and provide proper validation if they believe they have legal authority to report this account.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Drivers License Id Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning System consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation