vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMorgan Chase Bank Mail Code XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX XXXX I am submitting this complaint against JPMorgan Chase Bank regarding improper debt collection, failure to investigate, and inconsistent information provided to me. 

Chase claims that I owe {$580.00} related to a closed checking account, allegedly tied to a deposited check. I formally dispute this debt. 

The check was legitimate, signed by its rightful owner ( my son ), and deposited with his authorization. There has been no proof of forgery or fraud, and Chase has refused to properly validate the debt. 

I initially received phone calls regarding this matter. Representatives gave contradictory information : some said I did not owe any debt, while later another department told me the debt existed and asked for payment. This caused confusion and XXXX. 

Chase refused to allow the checks rightful owner to confirm the signature and did not accept a sworn statement, while still demanding payment. Despite this, they are attempting to collect money without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Today, XXXX XX/XX/year>, Bank of America withdrew all funds from my savings account following a voluntary vehicle surrender. 

I was never notified of the auction, the sale results, or deficiency balance. 

The funds were intended for a medically necessary transplant for my son, who is XXXX. 

I request : Immediate investigation Reversal of withdrawn funds Full documentation of the auction and alleged deficiency balance Complaint has also been filed with CFPB. I request urgent action.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX is attempting to collect and pursue legal action on an account that I previously reported as identity theft. I submitted a valid FTC Identity Theft Report along with identifying documentation.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), identity theft accounts must be blocked and may not be collected, transferred, or enforced. Despite this, XXXX XXXX has continued collection activity and has attempted to pursue legal action on this account. 

XXXX XXXX does not have the legal right to collect or enforce a debt resulting from identity theft. Continuing collection activity under these circumstances is unlawful and deceptive.

Furthermore, the original creditor did not even put my legal name correctly and addressed me as " XXXX '' which proves even more that this was identity theft and their information on their end is incorrect and inconsistent.

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 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NC

Complaint narrative:
After reviewing my annual credit reports I noticed these accounts listed as a debt allegedly owed to your company XXXX XXXX XXXX Nelnet by me in the amount of {$4600.00} and {$3100.00} ( Accout numbers are the same with different amounts ). This letter is a notification of dispute and a request for validation, NOT verification. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g 809 Validation of Debts, I have the right to request validation of the debt you say I allegedly owe to you. I am also requesting proof that I am indeed the party you are asking to pay this debt, and there is a contractual obligation that shows proof that is binding on me to pay this debt with my signature.

This is NOT a request for verification or proof of my mailing address or itemized bill, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I would also like to request a copy of these agreements as well : XXXX. Forward Flow Agreement ( FFA ) a contract where debt buyer agrees to continuously purchase debt portfolios ( receivables ) from an original creditor over-time, rather than in XXXX bulk sale. 
XXXX. Notice of Assignment ( NOA ) a required notification sent to the debtor indicating who now owns the debt and where to make payments. 
XXXX. Bill of Sale ( Often referred to in the context of debt buying or assignment of accounts ) is a legal document that records the transfer of ownership of a delinquent or charge-off debt from an original creditor to a third-party debt buyer or collection agency. 
XXXX. Debt Assignment the legal transfer of a debts rights and obligations from a creditor to a third-party, such as a debt collector, allowing the new owner to collect the balance on a allege debt. 
XXXX. Chain of Assignment - providing the complete unbroken record showing how ownership of the debt transferred from the original creditor, through various debt buyers, proving the current collector has the legal right to collect on this debt. 

At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : ( XXXX ) Violation of the Fair Debt Collection Practices Act and ( XXXX ) Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
A representative emailed me back shortly after I put in a complaint through CFPB. The answer that they're giving me doesn't add up because I have contacted XXXX XXXX and my state. XXXX XXXX told me that they do not handle with affirm. They had no idea how to help me because what I was sharing with them made no sense. They said that they do not do what I am told they are doing for affirm. And my state does not have my money either. The first time I got told that it was closed was back in XXXX I believe. So now at the end of XXXX I still don't have the money and my account is showing accruing interest every month on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
I am submitting this complaint because inaccurate and fraudulent information continues to appear on my credit report despite my disputes. 

I am a victim of identity theft and unauthorized account activity. Several accounts and personal identifiers currently being reported do not belong to me, were not opened or authorized by me, and are causing ongoing financial harm. 

I submitted disputes requesting investigation, correction, and deletion. However, the companies involved either failed to conduct a reasonable investigation or continued reporting the information without providing proper verification. 

This conduct violates the Fair Credit Reporting Act ( FCRA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Western Funding continues to enforce and bill me for an auto loan that is based on a fraudulent vehicle transaction. The vehicle I purchased in 2024 from a New Jersey dealership has a salvage title and was never properly inspected as required for salvage vehicles under NJ law. The dealership repeatedly issued temporary plates instead of resolving the issue, and eventually closed permanently, leaving me with a vehicle that can not be legally registered or driven. Despite these facts, Western Funding is still holding me responsible for the loan. I contacted Western Funding multiple times to explain the issues with the vehicle and requested that they investigate the fraudulent transaction and cancel the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
can not get title cleared to junk the car ... and can not get a Title

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express investigated my account, determined the charges were fraudulent, and closed the account as a result. There were dozen of charges and all of them were removed at the same time and deemed fraudulent. 

Approximately six months to one year later, American Express reopened the account without my authorization, added one of the charges back with fees and interest, and began reporting a charged-off balance to the credit bureaus. 

I never authorized the reopening of this account and am not legally responsible for the reported balance. Despite multiple attempts to resolve this directly with American Express, they have continued to report the account monthly as a charge-off. 

This is inaccurate reporting, improper handling of a confirmed fraud account, and a failure to properly investigate disputes under the Fair Credit Reporting Act. 

I am requesting that American Express : 1. Provide documentation showing I authorized the reopening of the account 2. Provide proof that I am legally liable for the balance 3. Immediately delete the account from all credit bureaus If American Express can not provide such documentation, the continued reporting of this account is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: CA

Complaint narrative:
Someone used my information to obtain a credit card through synchrony bank. Used the card, defaulted, now XXXX XXXX is showing a collection on my credit report.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sent to the Office of the President- I am writing to you to request a recent credit line decrease decision be overturned. I have had this card for over 20+ years and a credit line that was over XXXX before the end of the year. I have never missed a payment and continuously pay off the entire balance. My credit score runs above XXXX consistently and I have a similar credit behavior with my other lines of credit/carriers. I have a PERFECT payment history across all lines of credit & debt. I make over $ XXXX per year and have been with the same company for 22 years. There are no errors in my credit report and no reason that my credit line should have been decreased by over 70 %. This directly impacts my credit score and my available revolving credit reported. 

On XX/XX/XXXX ( XXXX XXXX ), I missed my normal payment as it was over the holidays. As soon as I received an alert ( XX/XX/XXXX ), I paid off the entire balance ( XXXX {$1500.00} ), only 6 days late. I received no warnings or alerts about the payment being past due between XX/XX/XXXX and XX/XX/XXXX. At this time, I noticed my credit line had been dropped to {$1500.00} ( from over $ XXXX previously a drop of more than 80 % ). That instantaneously took my debt to available credit ratio from around 7 % to 95 %. I called three times and was told that a letter had been mailed about the decision and they could not speak to me until I received the physical letter. To this day, no letter has ever been received in the mail, but I am able to view the letter on my digital account. The letter was created on the same day my balance was paid off. 

I expected this to be an easy misunderstanding and correction of an automated process, but I am now 5 escalated calls in. No one can explain or overturn the decision. I have talked to managers and agents in multiple departments that fail to understand the concern. I am asking for the credit line to be restored to its previous limit immediately. I will not be waiting 6 months for a review to increase. My tenure with this card, my impeccable payment history, my income, and my credit report should be substance enough to overturn this decision. I am extremely unhappy and will be looking to file a complaint with the CFPB on lack of notification and FCRA violations if this not corrected. I will also seek to immediately close my card after 20 years as a dedicated customer. 

XXXX XXXX XXXX XXXX Thank You Citi ( formerly XXXX ) Card ending in # 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 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized phone number was added to my Chase account without my knowledge or consent. 

At approximately XXXX XXXX  on XX/XX/XXXX, I received an email from Chase stating that a new phone number had been successfully added to my account. I did not recognize the number and did not authorize this change. When I logged into my account, I confirmed that an unfamiliar phone number had been added to my profile. I immediately removed it. 

I contacted Chase by phone on XX/XX/XXXX to report this issue. During that call, two Chase representatives informed me that Chase itself added the phone number because it was attempting to reach me regarding a past-due balance and that an internal department was seeking alternative contact information. Both representatives acknowledged that the phone number did not belong to me. 

On XX/XX/year>, during a subsequent call with Chase Customer Protection, I was told that Chase believes a system code indicates the phone number was added through my online profile. I disputed this conclusion, as I did not add the number and did not authorize any third party to do so. I was also informed that the investigation is handled internally, that details would not be provided, and that a written review could not be promised. I was told I would need to submit the matter in writing. 

I submitted a formal written complaint through Chases secure messaging system, clearly identifying this as a security dispute and requesting written confirmation of customer-impact facts. Chase acknowledged receipt but did not address the substance of my complaint. Instead, I was instructed to call the Fraud Department, despite my explicit request for written handling.

At no point has Chase provided written confirmation regarding whether authentication codes, security alerts, or account recovery communications were sent to the unauthorized phone number, nor whether any account access or changes occurred while the number was present. Chase has also provided conflicting explanations regarding how the number was added. 

Phone numbers are used for identity verification, delivery of one-time passcodes, and account recovery. Adding an unverified third-party phone number to my account without consent created a material security risk and exposed my account to potential unauthorized access. 

I am concerned that Chase failed to safeguard my account information, made unauthorized changes to my authentication credentials, and has not provided a substantive written response to a documented security incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Hello the statement they sent you guys before is a complete lie. Theyre still continuing to contact me. You guys close the case, but you havent asked me for any proof and I have proof that mountain land collections in XXXX. XXXX Utah is harassing me and calling me and violating XXXX laws that they have to follow, they have discriminated against me and my XXXX and told me over the phone and that theyre not breaking any laws when they are they still havent cease communication with me and refuse to talk to my person that helps me with my XXXX which they required to be accommodating with people with XXXX so I just want to stop our communication with them, but they continue to harass me theyre trying to collect a debt thats already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Loan Services, Inc.
State: AZ

Complaint narrative:
Midwest loan service I Requested Mortgage forebearance in XXXX of XXXX. The Forebearance/ derferment was approved XX/XX/year>. Depsite this approved derferment, late payments were reported for XXXX and XXXX of XXXX. Once derferment is approved delinquency should not be reported for covered months. I am requesting correction of inaccurate credit reporting and removal of the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
After purchasing a new phone, I had trouble accessing my account through the Banks App. Regions Bank. After receiving a notice from the App saying for security reasons your account has been locked. It provided a number to call saying contact customer support at XXXX to unlock your account. After several attempts to resolve the issue, a support tech kept forwarding my calls to other departments and giving me different excuses for the reason it may be locked. After wasting several hours trying to get this resolved, I was finally advised to go to my local branch and provide my identification to unlock the account. I went to the local branch located at XXXX XXXX XXXX, XXXX Alabama XXXX. I don't recall the name of the woman I spoke to. I didn't think I'd needed to. She went into the bank managers office, and I overheard him say it was due to a ticket through XXXX. That occurred in XXXX of XXXX. This has nothing to do with the reason why my account was locked as I have had access to my account for twenty-two months after the fact. The clerk said, she would get the account unlocked and she would call me as soon as it was. She never called. I sent an email to XXXX XXXX the customer operations XXXX in XXXX requesting the account be opened immediately or provide the specific policy being applied and a timeline for a resolution. 
The bank had no intention of unlocking my account. I am handicapped with XXXX, and I need access to my account to purchase medications and to pay co pays at the doctors I see for my XXXX. I shouldn't have to waste my time on something that should have been resolved by my personal appearance at the bank. I don't want my account closed. I only want to be treated with respect and not given the run around when it comes to the access of what is MY MONEY!

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I initiated five bank transfers from my XXXX  account totaling {$440.00} to my XXXXXXXX XXXX account between XX/XX/XXXX and XX/XX/XXXX. Three transfers were standard, and two were instant. None of the funds were received by my bank. 

The XXXX  account name is different from my bank account name, but XXXX still marked all transfers as completed. I opened disputes with XXXX  for each transfer, with the following case IDs : XXXX XXXX XXXX XXXX XXXX However, when I try to view the dispute pages, they all show Sorry, the page you requested does not exist. 

I have contacted XXXX  support multiple times and requested confirmation of the status and location of the missing funds, but they have not provided any details or resolved the issue. 

I am requesting that XXXX  : 1. Provide ACH trace numbers for all five transfers, 2. Locate the missing funds, and 3. Either complete the transfers to my bank or return the funds to my XXXX  balance. 

The missing transfers range from XX/XX/XXXX through XX/XX/XXXX, totaling {$440.00}, and have been inaccessible for weeks to months.

Company response to consumer: Closed with non-monetary relief