vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
b'I received an Imprint Mastercard credit card that I did not request.\nI called customer service number to have this cancelled. On XXXX, I spoke to XXXX and he said he could only help if I provided my phone number linked to the card. I never gave a number to link my card. I gave him my number anyway and he said could not find so he could not help. He was unable to lookup account by the card number or help close/cancel this card. He kept putting me on hold for over an hour and coming back asking me to spell my first name. Then another hold and asked spell last name. Another hold then asking my phone number again even though I never gave this company any phone numbers. Then, after about XXXX XXXX hours on phone he said he was transferring me and he disconnected the call. Repeated calls to XXXX number went on hold for XXXX hour, then recording comes on and says to callback another time. \nI also reported this to the XXXX. The Imprint company responded the customer solutions team would contact me. No one ever called me or contacted me to resolve this and cancel/close this credit card. (see attachment from XXXX with Imprint response)\nI would like someone to contact me so that the Mastercard can be cancelled immediately.\nI am not putting personal information on this site but will glad to provide the card number or information once someone calls who can help. Thank you!'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: FL

Complaint narrative:
I have a XXXX balance on a credit card that moved from XXXX a XXXX credit card to a company called imprint. This new company has an AI system will not allow me to talk to a real person even though they say I have to talk to a person in order to close the account. The AI system then says it is unable to close my account or transfer me to a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: WI

Complaint narrative:
I simply want to close this account. I have attempted to call to do so several times and waited on hold a long time and no one ever takes my call. You simply can not get through to customer service. Don't believe me? Try calling XXXX, as a XXXX card customer, and select the option that doesn't match what they have ( like 1 for payment, etc ) - XXXX. At that time you will be put into a queue, told there is a higher than normal call volume, always the case, and you can spend the rest of your life listening to the same XXXX song over and over and over until it plays in your mind long after you realize it's futile and hang up. I also send their customer service, XXXX, an email stating that I wanted my account closed. I think the odds anyone actually reads it, let alone does it, are about the odds I will win the lottery, and I don't buy tickets. I just want the account closed and these jerks out of my life forever. I don't owe them a XXXX and don't ever want to. I just want them out of my life. In the image of the phone calls you can see my calls to them. It doesn't show the length on hold but it was significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: MD

Complaint narrative:
I noticed a collections account on my credit report from XXXX XXXX XXXX XXXX. The amount is {$170.00}. When I spoke to the collection agency, they indicated that the original balance was owed to XXXX XXXX. I called XXXX XXXX, and after working with the representative to get to the bottom of the issue, she discovered that the issue was an error and created a complaint. This was on XX/XX/XXXX, XXXX. She indicated that someone would reach out to me within XXXX days. No one has. I called today ( XXXX ) and asked for an update. The representative sent me to a member of management who told me that the complaint filed by the representative was dismissed because the charges were valid. The charges couldn't possibly be valid because I just ended my service with them in XXXX of XXXX and this charge is supposedly from XXXX years prior. I've paid all the bills that I've received and surrendered all the equipment that I had. The balance they're indicating that I owe is even different than what XXXX XXXX XXXX XXXX is reporting. XXXX 's amount is {$150.00} according to the automated system. The XXXX stated that my balance was {$130.00}, and the collection agency is saying {$170.00}. Please have them remove this from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-04 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>2026 To Whom It May Concern : I am writing regarding the account that you claim I owe. I dispute this debt and request full validation of the account. Please provide : The name of the original creditor. The account number. The complete balance, including any fees, interest, or other charges. Documentation showing that I am legally responsible for this debt. Documentation showing that your company has the legal authority to collect this debt. If you are unable to provide sufficient documentation validating this debt, I request that you cease all collection activity, delete the account from your records, and notify any consumer reporting agencies to which you have reported this account that it should be removed. Please provide all requested information in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I submitted a detailed written dispute to JPMorgan Chase Bank , N.A . regarding a disputed account ending in XXXX. The dispute package was sent via Certified Mail and included proof of identity, proof of address, supporting exhibits, collection correspondence, and documentation regarding concerns about conflicting collection activity and investigation procedures. On XX/XX/year>, Chase responded by stating that insufficient information had been provided to initiate an investigation. However, despite claiming insufficient information existed to investigate the dispute, Chase subsequently : * continued collection activity, * issued a settlement offer dated XX/XX/year>, * permitted or utilized third-party collection entities, * and later verified the account as accurate in a response dated XX/XX/year>. The following entities have engaged in collection activity regarding the same alleged debt : * JPMorgan Chase Bank , N.A . * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX This created concerns regarding : * furnishing accuracy, * collection authority, * assignment status, * and whether a reasonable investigation was actually conducted before the account was verified as accurate. I specifically requested clarification regarding : * the procedures used to verify the disputed information, * the authority of multiple entities attempting collection, * and the basis for continued collection and furnishing activity after the dispute was received. To date, Chase has not provided a substantive response addressing these concerns. The responses received appear generic and fail to meaningfully address the factual disputes and supporting documentation that were submitted. My primary concern is the procedural contradiction : Chase claimed insufficient information existed to investigate the dispute, yet continued collection activity and later verified the reporting as accurate. I am requesting review of Chases investigation procedures, furnishing accuracy, and continued collection activity associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A debt collection law firm violated 15 U.S.C. 1692g ( b ) on XXXX separate accounts by filing civil lawsuits while written disputes were actively pending and validation was incomplete. ACCOUNT XXXX Alleged balance {$7800.00}, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : My written dispute was delivered to the collector on XXXX XXXX, 2026 at XXXX AM via XXXX Certified Mail with signature confirmation. The collector filed suit on XX/XX/year>2026 exactly 6 days later while the validation period was actively pending. Their validation response contained only XXXX of XXXX requested documentation categories. ACCOUNT XXXX Alleged balance {$4600.00}, XXXX XXXX. XXXX, same court : Same written dispute delivered XXXX XXXX, 2026. Collector prepared lawsuit documents XX/XX/year> ( 12 days after receiving dispute ) and filed suit XX/XX/year> ( 31 days after dispute ) while validation remained incomplete. XXXX separate responses each provided only account statements XXXX of XXXX requested categories. Additional violations : Collector used incorrect consumer address in XXXX separate written communications despite original creditor having correct address on file. Collector claimed a balance {$110.00} higher than the amount the original creditor confirmed in writing violating 1692e ( 2 ) ( A ). All violations are documented with certified mail confirmations, signed receipts, court records, and written creditor correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to file a formal complaint against [ Full Name of Bank / Credit Card Company ] regarding my credit card account. Account Number : [ XXXX XXXX XXXX XXXX ] ( last 4 digits are fine if you don't want to share full ) Problem : [ Describe exactly what happened in clear, short sentences. Example below ] On [ Date ], I noticed an unauthorized charge of $ [ Amount ] on my statement from [ Merchant Name ]. I immediately contacted the bank on [ Date ] to dispute the charge. The bank has refused to remove the charge/ has not responded within the required time/ only gave me a temporary credit and then re-billed me. I have already : Called customer service multiple times ( dates : ____ ) Submitted a dispute online / in writing Sent supporting documents ( receipts, screenshots, etc. ) Despite this, the bank has not resolved the issue as required under the Fair Credit Billing Act. Requested Resolution : I am requesting that the bank : 1. Immediately remove the disputed charge of $ [ Amount ] 2. Refund any related interest and fees 3. Correct my credit report if this has been reported negatively 4. Confirm in writing that the matter is closed I have attached supporting documents : [ list them screenshots, statements, emails, etc. ] Thank you for your assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Kikoff Inc.
State: MD

Complaint narrative:
I am filing an expedited complaint against Kikoff , Inc. ( operating as Grant Cash Advance ) for predatory billing practices, ledger manipulation, and retaliatory account closure. I borrowed two {$50.00} cash advances through the Grant app. My official bank records conclusively prove that Grant successfully debited a total of {$100.00} ( {$53.00} per advance, including fees ) directly from my payroll deposits. On XX/XX/year>, Grant drafted {$53.00} ( - {$26.00} and- {$26.00} ) which cleared my bank and was never returned. On XX/XX/year>, Grant drafted another {$53.00} ( - {$26.00} and- {$26.00} ) which also cleared. Grant collected {$100.00} in total, fully settling my debt. However, their internal system glitched on XX/XX/XXXX and failed to update my user dashboard. When I provided official bank statements proving the money had cleared, front-line customer service ignored the evidence and threatened to repeatedly auto-debit my bank account for a third time. After I explicitly messaged them to revoke my ACH authorization and escalated the issue to their technical executive team, the company retaliated by completely closing my account. They are now holding my cleared funds, refusing to fix their internal ledger error, and cutting off my access to cover up their system glitch. I demand a formal compliance audit of Grant 's XX/XX/year> XXXX deposit batches to locate my cleared {$53.00} payment. I demand they correct their internal ledger to show a {$0.00} balance, cease all collection threats, and provide written confirmation that my debt is fully satisfied and that this error will not impact my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
* '' I am filing a formal complaint against Kimball , Tirey & St. John LLP ( KTS Law ) for illegal credit reporting of an unverified, time-barred debt. This collection stems from a California residential lease break during the peak of the XXXX pandemic in XX/XX/year>. For years, I requested the final accounting for this account, but KTS Law continuously failed to provide it. They finally sent the move-out documents to me just last week, attached. Upon reviewing these files for the first time, it is clear why they withheld them : the underlying debt is entirely time-barred. Under California Code of Civil Procedure 337, the statute of limitations to legally enforce or collect on a breach of a written lease is strictly four ( 4 ) years. This legal window expired in late 2024.KTS Law withheld these documents until the statute of limitations passed, yet they continue to actively report this uncollectible trade line on my credit and tenant screening files. This predatory reporting is causing severe economic harm, resulting in automatic tenant screening rejections, attached, and blocking my housing search. Since 2020, I have successfully owned and paid mortgages on four separate homes, proving this old rental collection is an inaccurate anomaly. Because the debt is legally dead in a court of law and was withheld from me for years, I demand that KTS Law immediately close this account and completely delete the trade line from all credit reporting bureaus and tenant screening databases. " *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
As of XX/XX/XXXX I was informed in my loan modification was changed to this date via phone call from a representative at my mortgage company XXXX stating that my first entity of mortgage payment will be in effect XX/XX/XXXX. I'm a payment as well as a double payment for XX/XX/XXXX I just so happened to look into my spam and notice I had an email because I go paperless with my mortgage company. That both of my money entities for the 2 months of XX/XX/XXXX and XX/XX/XXXX had been refunded to me and I was in pre-foreclosure due to a technicality within the company of a data breach that released my personal information to someone who prayed on my hardship and misinformed me leaving me back into a hardship and into foreclosure I just want Justice for myself and my home and my children this is not right the injustice of hardworking people when there's a leak and data breach within companies I am formed the agents that I was a part of a scandal or my information was obtained by someone and they misinformed me of my loan modification start date outside of the documentation I spoke for the representative falsifying their employment at XXXX and proceeded with my payments due to the average I was denied my loan modification that I was not able to even use and put me into hardship and approve foreclosure foreclosure now and my home has a sale date as of XX/XX/XXXX I want Justice for this predatory lending miscommunication that has my world upside down and chaotic I would like to resume in my loan modification and continue to stay in my home with me and my child that I've been here for seven years I would like someone up to over look into my case please I'm trying to be proactive and fight for my home I live in XXXX California I am a client subjected to a data breach causing me to our trip and potential XXXX XXXX in my home due to a major companies data breach in the link of my personal information so scammers new to pray on my hardship that disqualified me for my loan modification based on this incident I would like to return back into my mortgage payment so I can keep my home please and thank you I appreciate thinking opportunity to express myself on this platform and hopefully someone can help me before XX/XX/XXXX to protect and keep the right home

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: WY

Complaint narrative:
I have had a Mercury account Account email : XXXX suspended since for 6 months. Mercury is wrongfully withholding over {$5000.00} of my funds. I have sent more than XXXX, XXXX emails with no response. This is causing severe financial harm to my business. I request immediate release of my funds. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: Meta Payments Inc.
State: WY

Complaint narrative:
My payout account was restricted by Meta Payments, citing " unusual activity. '' This affects XXXX of my payout accounts simultaneously with a total of {$2900.00} in withheld earnings : ( XXXX ) XXXX XXXX XXXX, ID XXXX {$890.00} withheld ; ( XXXX ) Personal account ID XXXX {$96.00} withheld ; ( XXXX ) Personal account ID XXXX {$140.00} withheld ; ( XXXX ) Personal account ID XXXX {$1800.00} withheld. All activity was performed solely by me as the authorized owner. I appealed XXXX times between XX/XX/XXXX and XX/XX/year>. Meta support agents XXXX and XXXX each closed my case with identical copy-paste responses citing " unusual activity '' but providing XXXX specific reason, evidence, policy violation, or opportunity for identity verification. XXXX withheld earnings : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: TN

Complaint narrative:
XXXX XXXX online banking called VIO has an app which quit working with Apples recent XXXX update. Ive called customer service repeatedly to request info on contacting the developer myself or for them to contact the developer. Their XXXX party app is accessed through the XXXX XXXX. XXXX XXXX. XXXX XXXX has spent hours certifying the problem must be rectified by the developer.

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 2026-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: CO

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX seller in XXXX, XXXX Meta XXXX XXXX XXXX is withholding my seller payouts from completed Marketplace orders. Orders were marked delivered by the shipping carrier, buyers received items, and Meta confirmed the sales. However, my payouts remain in processing or on hold in Meta Pay and have not been released to my bank account. Total amount currently withheld : {$83.00} Date issue started : XX/XX/year> I have attempted to contact Meta Support multiple times through Help Center and chat. I received no substantive response and no timeline for release. There is no dispute from buyers. I believe Meta is improperly retaining funds owed to me for goods I sold and delivered. This appears to violate Metas own XXXX XXXX Policies and may constitute unfair payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Subject : Request for XXXX XXXX XXXX XXXX XXXX XXXX Nelnet To Whom It May Concern : I am submitting this complaint regarding the reporting of a recent XXXX delinquency by Nelnet on my student loan account. I acknowledge that the delinquency occurred ; however, I am requesting a review of the circumstances and consideration of a goodwill adjustment. Prior to this isolated incident, I maintained an excellent payment history for several years and consistently met my financial obligations. As soon as I became aware of the missed payments, I immediately brought the account current and enrolled in automatic payments to ensure that this situation will not occur again. Since then, the account has remained in good standing. The reported delinquency has had a significant impact on my credit profile despite an otherwise exceptional payment history. I respectfully request that Nelnet reconsider its decision and review whether a goodwill adjustment may be appropriate based on my long-standing history of responsible repayment and the corrective actions taken immediately after the issue was discovered. I am not disputing the validity of the payment history. Rather, I am asking for a fair review of this isolated event and consideration for relief given the circumstances and my prior record. Thank you for your time and assistance.

Company response to consumer: Closed with explanation