vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint against Chase Bank regarding a large check deposit that has been unfairly restricted and delayed despite verification attempts and my full cooperation. On XX/XX/2026 I deposited a business check in the amount of approximately {$240000.00} into my Chase business account, the payment was from a customer/business that purchases a Wholesale property from me. Before Chase placed the restriction, the check had already been verified and the fund were trasferred from XXXX Bank, the issuing Bank. After the deposit, Chase placed a hold/restriction on my account and informed me they needed to verify the person who issued the check. I fully cooperated with their request. I provided the customer 's phone number and even personally brought the check issuer into a Chase branch located in XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, so she could confirm the check and transaction directly. Despite this, Chase refused to properly verify her identity, Chase continues insisting on contacting the issuer through an old phone number that she has not used for more than five years and can not recover. I explained this multiple times and provided updated contact information but Chase still refuses to use the current verified contact information or complete a reasonable verification process. At this point Chase is holding a very large amount of my business funds without a valid reason even after the check cleared form the originating bank and despite the issuer appearing in person to confirm the transaction. This situation has caused severe financial hardship and disruption to my business operations and I believe Chase is actin unreasonably by continuing to freeze or delay access t funds that have already been trasferred and verified through the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
Hyundai XXXX : Repo my car back in XXXX. I paid my past due balance plus the re-installment balance to get my car back. I have been making all payments on time, then suddenly it is now XXXX they are trying to say I owe them {$500.00} for the repo that took place in XXXX. I explained to them I paid that fee before I was even able to get my car back. I have voice recordings saying I do not owe anything from XXXX etc. From Hyundai. So doing all this it made me notice that I have 3 payments of {$360.00} left. However, balance says $ XXXX so I was confused on that. So it made me go all the way back on my loan and my payments, and I noticed I have paid over {$800.00} from my loan amount with interest. I asked them about this and they are refusing to give me the invoice for the repo and why I am being charged {$1000.00} for it, and why its saying I still owe when I do the math and I paid loan fully off. They are refusing to give me any proof of anything. So I XXXX what to do and it said to reach out to you guys. So at this point I am making payments on a loan that is fully paid, and extra fees for a repo I already paid and they are trying to charge extra.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a formal dispute regarding inaccurate and materially misleading credit reporting connected to financial hardship caused during a government investigation in which I was ultimately found not guilty. The issue did not only affect vehicle loans or leases, but also impacted my overall financial profile, including credit cards, loans, and other accounts due to the seizure of financial assets and resulting financial constraints. I provided supporting court records, protective order documentation, and evidence of the circumstances involved. Despite this, the company issued a generic response without addressing the evidence submitted or explaining how the accounts were verified. They also failed to provide the requested method of verification, including records reviewed and parties contacted. I am requesting a proper reinvestigation, disclosure of verification methods used, and deletion of inaccurate or unverifiable negative reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have four accounts on my credit then I know nothing about they were opened when I was XXXX I was XXXX for 6 years since XXXX of 2020 I have two accounts from LV NV funding that I know nothing about for a total of {$150.00} and {$300.00}. I plan to contact the company 's to dispute them personally however I wanted to let consumer finance know that these accounts were open fraudulently and I would like them removed. Thank you have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint concerns the systemic misappropriation of XXXX estate assets, industrial titles, and the fraudulent management of accounts dating back to the XXXX century. I am the Authorized Executor for this estate. The counter-party, acting as a fiduciary manager, has engaged in a multi-decade criminal enterprise involving the following : Historical Asset Misappropriation : Beginning in the early XXXX, the respondent was hired by XXXX XXXX XXXX XXXX to manage books and industrial accounts. Following the abandonment of the railroad and the break-in of the warehouse in the XXXX XXXX , the respondent illicitly seized industrial titles and equipment. Administrative Subversion ( XXXX ) : Following the XXXX change in administration, the respondent leveraged political instability to facilitate the systematic falsification of land deeds and title records, a scheme furthered by fraudulent Notary Public filings. Criminal Acts and Estate Suppression : When my family refused to surrender these titles in XXXX during the XXXX, the respondent engaged in a campaign of violence, culminating in the XXXX of my father ( an XXXX XXXXt ) and his brothers. Federal Asset Freeze Violation ( Code 61-NY-1980 ) : In XXXX, federal authorities froze these assets. Instead of fulfilling their fiduciary duty as a custodian, the respondent used this period to further embezzle funds, masking the theft through forged military contracts and records that do not exist within the XXXX XXXX. Identity Theft and Wage/Stock Fraud : The respondent has engaged in eight years of identity theft against me, including the filing of a fraudulent Power of Attorney. This resulted in the systematic theft of my personal wages and stock portfolios ( including employment-based assets ). Current Status and Demand : The respondent claims an asset valuation of {$490.00} billionan amount mathematically impossible given their historical employment. Their records contradict the authentic documentation held in the XXXX XXXX. The respondent has leveraged stolen intellectual property and identities, including those of XXXX medalists and veterans, to maintain this fraudulent facade. I possess the original, authentic survey and title records that prove the respondents filings are forgeries. I demand an immediate formal investigation into these assets and the respondents historical books. I have issued a formal demand for the respondent to produce the 'original ' contracts they claim to hold in a court of law ; they have failed to provide any legitimate evidence. I request that the CFPB cross-reference this complaint with my active federal records ( Code 61-NY-1980 ) and secure these assets from further illicit depletion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding Citibanks handling and denial of my altered check fraud claim involving a stolen and materially altered check in the amount of {$21000.00}. On or about XX/XX/year>, I mailed a check payable to XXXX XXXX XXXX through XXXX XXXX XXXX, the drive through box. I specifically mailed the check at a XXXX location. The check was later stolen, materially altered, and negotiated by an unrelated party. The transaction was posted to my Citibank account on XX/XX/year>. The original check was payable to XXXX XXXX XXXX. I possess the original carbon copy and supporting records proving the intended payee. The check was clearly altered before negotiation. I was outside the United States from XX/XX/year> through XX/XX/year> and could not reasonably discover the fraud earlier. Immediately upon discovering the fraud on XX/XX/year>, I contacted Citibank and filed a fraud claim and received Fraud Reference # : XXXX. On XXXX, XXXX, XXXX, Citibank denied my claim solely based on an alleged 30-day reporting requirement. However, Citibank failed to address the core issues of the fraud : - The check was materially altered. - The original payee was changed. - The check was negotiated by an unrelated party. - The endorsement/signature on the back of the check appears missing or improper. - Citibank honored and paid a materially altered check that was not properly payable. This matter involves apparent check washing, mail theft, forgery, and altered check fraud. I believe Citibank failed to exercise ordinary care in processing and honoring this altered item. I respectfully request that Citibank reopen and reconsider this claim and provide : - and the basis for determining that the altered check was properly payable, - The XXXX 's Bank information and related details to help XXXX XXXX police proceed the investigation. I also filed police report with XXXX XXXX Police Station with mail theft/Forge check/financial crime ( case # XXXX ) regarding this matter. I respectfully request regulatory review of Citibanks handling of this altered check fraud claim. Thank you, XXXX XXXX XXXX ( XXXX XXXX XXXX as shown on my check, name change proof was submitted )

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 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account was incorrectly debited {$290.00} via an authorized debit card transaction. Immediately after the transaction, the bank cancelled my debit card and noticed that it had detected potential fraudulent transactions. However, it has not taken any action to credit the fraudulent debit that took place, despite numerous telephonic conversations and submitting, in a timely manner, the requested written notice via a " Debit Card Transaction Dispute Form '' provided on the bank 's website. The bank 's form indicates that your account " will receive provisional credit within 10 business days from the form being processed. '' The form was submitted on XX/XX/year>, and subsequent phone conversations has indicated that they bank processed the form on XX/XX/year>. As of XX/XX/year>, there is no provisional credit, or any other indication that the bank is processing the notice. I believe provisional credit is also required under Regulation E, specifically 12 CFR 1005.11 ( c ) ( 2 ( i ). The bank has not complied with any of the timing requirements of Regulation E. Repeated telephone conversations have not resulted in anything other than ( a ) a promise to call me back that day ( which did not occur ), ( b ) long periods of hold, and ( c ) being hung up on after asking to speak to a a manager. ( The original form provided by the Bank also had a bad mailing address and bad fax number, so the original form was never received by the Bank. Fortunately, I corrected well within the time period for submitting a written notice. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Collection company trying to collect on a debt that was already settled in court

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On two separate occasions, one including today XX/XX/year>, representatives from Midland Credit Management contacted my parents regarding an alleged debt. During these communications, the representatives disclosed personal and sensitive information, including the existence of the debt and the amount allegedly owed, specifically {$3100.00}. My parents are not co-signers, joint account holders, or otherwise legally responsible for this alleged debt. I have not provided authorization for Midland Credit Management to discuss this matter with them. Despite the legal restrictions, Midland Credit Management has engaged in this conduct more than once, demonstrating a pattern of noncompliance and disregard for consumer protections. This conduct has caused me XXXX, embarrassment, and a violation of my privacy. It has also created unnecessary tension and concern within my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Please re-open case number XXXX. I am supplementing my prior CFPB complaint regarding the account being reported by Fair Collections & Outsourcing on behalf of XXXX XXXX XXXX. In the companys prior response through the CFPB process, it was stated that they could not revisit, negotiate, or adjust the balance with the original creditor. However, on XX/XX/year>, I was informed directly by a representative that the account is now under investigation and that the agency is contacting the original creditor regarding the disputed {$3500.00} amount/security deposit. This directly raises concerns that the balance being reported may not have been fully validated prior to reporting and that the investigation previously represented to the CFPB may have been incomplete. Because the account balance remains under active investigation and disputed, I request : - full validation of the balance calculation, - documentation showing application of the {$3500.00} amount, - confirmation of whether the amount currently being reported is accurate, - and consideration of deletion or suppression of the reporting while the investigation remains unresolved. I also request that this updated information be added to the complaint record as documentation of ongoing dispute and inconsistent representations regarding the status of the investigation.

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 2026-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for a persistent backend system error that is blocking me from accessing critical account features and updating my profile information. Since XXXX, the application has repeatedly thrown an error code stating a 100 % valid, residential XXXX address is 'invalid ' when I attempt to update my mailing info to order a replacement Cash Card. On XX/XX/XXXX, a phone support representative explicitly confirmed on a recorded line that this is a known internal database issue on Cash App 's end where addresses are failing to register properly in their system. Despite providing full device logs, app version codes, full account details, and video recordings of the application glitching, their email support team continues to cycle through irrelevant, automated troubleshooting templates and refuses to escalate the ticket to an engineering specialist for a manual backend override. Front-line phone support also hung up on me after putting me on an indefinite hold. I am being completely blocked from using my financial account correctly due to a verified software glitch. I require a senior corporate account specialist to contact me and perform a manual address override to update my profile to my valid address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: SC

Complaint narrative:
Between XX/XX/2026 and XX/XX/2026, unauthorized transactions totaling {$6600.00} occurred on my XXXX XXXX prepaid debit account issued by XXXX XXXX, XXXX. The transactions included ATM withdrawals, XXXX XXXX transfers, and purchases at various merchants that I did not authorize. I initially noticed suspicious transactions before realizing my debit card and phone were no longer in my possession. After reviewing the activity and account history more closely, I determined that I no longer had possession of the card by approximately XXXX XXXX XXXX I reported the unauthorized activity and disputed the transactions. The company denied my claim, stating that transactions completed with a PIN are considered authorized and that the account is not subject to Regulation E because it is classified as a business account. I acknowledge that there were prior legitimate transactions with some merchants listed in the dispute history. However, prior legitimate use of a merchant or prior receipt of funds from an individual does not authorize later disputed transactions, including repeated ATM withdrawals and XXXX XXXX transfers that I did not initiate. I requested transaction details, including ATM locations, timestamps, and documentation supporting the determination that the transactions were authorized, but this information was not fully provided. I am requesting a fair review of the disputed activity and reimbursement for unauthorized transactions totaling {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX ( XXXX ) closed a mortgage refinance with Mutual of Omaha in the amount of {$140000.00} ( Loan # XXXX ) for their property at XXXX XXXX XXXX, XXXX, TN XXXX ( the property ). On XX/XX/XXXX, The XXXX entered a subsequent refinance contract with Mutual of Omaha ( XXXX # XXXX ) in the amount of {$150000.00}. On or around that date, the previous loan ( XXXX ) was paid in full and closed, however the Release of Lien was not mailed to the XXXX XXXX Register of Deeds until XX/XX/XXXX. For reasons unbeknownst to the XXXX, the Release of Lien was never recorded by the county. In early XX/XX/XXXX, the XXXX entered a contract to sell the property. During the title search, it was brought to light that Lien Release of loan XXXX was never recorded as there is a open lien still recorded in the county records. XXXX XXXX Register of Deeds claims they never received the Release Document. We ( the XXXX ) have been frantically trying to get Mutual of Omaha to send either us, the title company closing our sale, and/or XXXX XXXX Register of Deeds a new, signed copy of the Lien Release letter to no avail. Mutual of Omaha is interfering with our ability to complete a sale of the property which they have no claim against.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX for {$4100.00} on my Citibank credit card in two charges of approximately {$2000.00} each. On XX/XX/XXXX XXXX XXXX issued a written unconditional full refund commitment of {$4100.00} with no conditions attached. I accepted on XX/XX/XXXX and returned the product on XX/XX/XXXX per the merchant 's instructions. The merchant accepted the return on XX/XX/XXXX and signed a receipt noting no damage. The merchant has not processed the refund. I contacted Citibank to open a billing dispute for this unprocessed merchant refund. Citibank refused to issue a case number, refused to accept my dispute by email, refused to transfer me to a XXXX XXXX, and after approximately XXXX hours on chat and phone provided no resolution. I was directed only to mail a letter. I am a XXXX Citibank customer with a perfect payment history. The merchant 's written refund commitment dated XX/XX/XXXX is the triggering event under FCBA 15 U.S.C. 1666. That date is 44 days ago and well within the 120-day statutory window for a billing dispute. I am requesting Citibank open a formal billing dispute and credit my account {$4100.00} for this unprocessed merchant refund.

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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following accounts as fraudulent and unauthorized. Under the Fair Credit Reporting Act, I am demanding the immediate permanent deletion of these items from my credit report. These accounts were opened without my consent, and their continued presence constitutes a reporting error that is causing me ongoing financial harm. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief