vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, we received a cold-call from a representative of XXXX offering their expertise in getting out of a timeshare contract with XXXX XXXX. They offered to go over their contract, page by page, on our computer, and we were asked to initial each page, as read together, by using our Enter key. 

Following their presentation, I went online to check out this firm, and found numerous complaints. I immediately determined we would NOT sign and notarize their contract and return it to them as they requested. In a follow-up call 3 days later, we told them we would NOT be proceeding ; they laughed at us, saying we could not cancel the contract. I check with Chase Bank and found they had charged our card for {$7500.00}. I immediately initiated a fraud complaint with Chase because we had signed or authorized nothing. 

Following our initial dispute of this transaction with Chase, a XXXX representative called and left voicemail messages, in part saying that we knew nothing about how the credit card industry operates, and they did, and we would never see our money again. 

It took 4 months, but Chase finally told us they viewed the transaction as valid since we had docusigned the contract. Apparently the mere hitting of our Enter key when they read the pages was viewed as a legal signing of a charge we NEVER made. Chase closed the complaint and is charging us monthly interest on this fraudulent {$7500.00} charge. Chase added that this contract provided XXXX 18 months to fulfill their obligation, so we needed to wait for them to do so. 

Waiting the entire 18 months, we again contacted Chase, advising them XXXX had done absolutely NOTHING to cancel our timeshare. But Chase then told us : A ) The clock had run out on this dispute, and B ) Once a dispute has been closed, it can not be re-opened. Nothing more they can do. They have become complicit with XXXX, a classic predator using high technology to defraud elderly people out of large sums of money. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
The transaction was made on XX/XX/XXXX and there are {>= $1,000,000}, and {$5.00} and I tried reaching out to chime support to let them know those transaction carried out was unauthorized transaction which I was asked some certain question before they filed the dispute for those transaction so I was told they will get back to me within 10 days unfortunately I got email saying those disputed transaction was denied and I cat take that cause I believe they should help me request the refund back cause I didnt give anyone access to my account and when the transaction happened I was on the sick bed so how come please and please I way to get my money back and this is the dispute Id XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A XXXX  gentleman with glasses went to the address XXXX XXXX XXXX XXXX XXXX, GA XXXX rang the door bell and my mother thats an old lady opened it and he immediately grabbed her tried to forcefully take her into his car saying he is a debt collector from capital one to arrest her and turn her in to XXXX  for a debt I didnt do someone stole my identity while I was out of the country and made numerous credit cards off my name and everything has been handled but for some reason this gentleman went out his way and came to my mothers address and attacked her illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

I dispute this alleged debt in its entirety. You are required to provide full validation of this account before continuing any collection activity or credit reporting. 

Please provide the following : The name and address of the original creditor. 

A complete payment history and accounting of the alleged debt, including principal, interest, fees, and charges. 

A copy of the original signed contract or agreement bearing my signature. 

Documentation showing you have legal assignment or authority to collect this specific debt. 

Proof that your company is properly licensed and authorized to collect debts in the State of Tennessee, including your Tennessee collection license number and registered agent information.

The date of first delinquency and proof of the statute of limitations applicable to this account. 

If you are unable to provide the above documentation, you must immediately : Cease all collection activity ; and Delete this account from all consumer reporting agencies to which you have furnished information. 

Be advised that reporting information to credit bureaus without proper validation may constitute furnishing inaccurate or unverified information in violation of 15 U.S.C. 1681s-2 ( b ).

If you continue to report this account without providing proper validation, I will file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office for investigation of unlawful collection practices. 

All future communication must be in writing. Telephone contact is not authorized. 

Failure to respond with proper validation within 30 days will be considered your inability to validate the alleged debt, and I will demand immediate deletion. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Made a purchase from a company called XXXX XXXX using Affirm on XX/XX/XXXX, Paid the installments and was fully paid on XX/XX/XXXX. Order was marked as delivered XX/XX/XXXXXXXX  and never arrived. My father was home and recived the mail but no package was delivered, I went to ost office and when showed the provided tracking attendant showed the usps label with the exact tracking number and a different name and address. 

My father was able to go to the address we were given by post office and the package was there, Person that recieved it opened the package to confirm it was not mine even though it had my tracking number. I opened a case with USPS who closed the case as it was marked as delivered so it could not be lost. 

I contacted the merchant ( XXXX XXXX ) that day to say it was never delivered and an email the following day to confirm the tracking number but recieved no response. Contacted Affirm the following week and created a dispute that ended siding with the seller as he showed " proof of delivery '' I provided Affirm with a picture of the package label that has the tracking number with a different name and address, Four followup emails to the merchant asking for help with no replies from seller ( Which to me should prove its fraud as the seller responds to Affirm but ignores me ) but the seller provides the tracking number with delivered status and Affirm closes my disputes. 

I since contacted XXXX XXXXXXXX  and they performed a chargeback while they perform an investigation, Now Affirm says my payments are 95 days past due ( Which they are not since the loan was fully paid untill the chargeback on XX/XX/XXXXXXXX  ) and the loan will default and only help they can provide is a number for usps to open a case or to file a police report. ( The package was not stolen, Its possible it was mis delivered but since the Merchant has ignored all pleas for help since XXXX proves to me its fraud ) Im contacting your agency to see if theres anything you or I can do to keep this from affecting my credit as I should not have to pay for an Item that was never sent to me, Especially when I have reached out to the seller for three months and been ignored all while they updated their website since my complaint to provide easier customer service. 

I was told by Affirm that I am responsible to pay and my loan will default on XX/XX/XXXX, Any information on what my options are to seek further help is appreciated. Thank you in advance! 

The session is timing out so if any additional proof is required I will attach more if I have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XXXXXXXX  I was reviewing my credit report. I then discovered the it was inaccurate. I discovered that there was an American Express account that I had no recollection of. Upon further investigation I concluded that the account was fraudulent. I contacted American Express to inform them of my findings. On XX/XX/year> called them to see if it could be resolved. They insured me that the account would be closed and removed from may credit reports. I called on XX/XX/year>XXXX  as a follow up, that representative informed me that they were still working on resolving the situation. I also filed a report with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/year>, I was paying my Capital One XXXX  Credit card, from my checking account from XXXX XXXX. For some reason that I dont know, I dont understand and I didnt originated, the payment was charged to an account that doesnt belong to me. I dont even realized while making the payment. 

I dont own any balance on my card. However, it is restricted and they have sequestrated my XXXX miles that I have accumulated during a couple of years. 

My request is simply : I didnt caused this situation. Capital One doesnt have an explanation for what happened. XXXX XXXX, same thing. They just said it is not its fault. So, I am here between two banks, unable to use {$2000.00} worth of miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to log back into Experian.com and every time I try to it tells me I need verification to log even into my account and Im unable to call any kind of phone numbers to log back into my credit because its frozen and I need it unlocked ASAP! I have written 2 letters stating I need my credit unlocked to Experian and nothing has been resolved. Or even started because I cant log into my account TO TALK to someone about my changed phone number. Now Im with a frozen credit because I had to change my number for security reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have been receiving multiple messages through email and Text daily about this account. It has become more of harassment. 

I have sent multiple letters and certified letters to them and I keep getting the emails and text multiple times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
They keep telling me they can lower payments but instead they took my payments up said I was deffered and they told me I had more interest.and I told them they lied my loans are no almost {$2000.00} thousand they kept putting my loans higher and kept switching to different loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: UT

Complaint narrative:
I am filing this complaint after repeated failed attempts to resolve a payment posting error directly with Discover. 
Background In XX/XX/XXXX I paid off XXXX Discover credit cards : Account ending XXXX {$13000.00} Paid successfully via wire transfer on XX/XX/XXXX. 
Account ending XXXX {$9300.00} Paid via check dated XX/XX/XXXX. 
The {$9300.00} check was cashed by Discover in XX/XX/XXXX. The funds cleared my bank. I have provided Discover with a copy of the canceled check showing payment to Discover in that exact amount. 

Payment Posting Error Discover failed to apply the {$9300.00} payment to my account ending in XXXX. 
During dispute review, Discover informed me via email dated XX/XX/XXXX that the payment had been posted to an account ending in XXXX. 
That account : Is not mine. 
Was acknowledged by Discover representatives as not belonging to me. 
Has never been identified as a valid account associated with me. 
If the payment was truly applied to a different account, that account would have had a surplus of {$9300.00}, since my other Discover account was paid to zero via wire transfer on XX/XX/XXXX. 
Despite acknowledging the existence of the payment, Discover has not corrected the posting error. 

Improper Collection Activity During Dispute While this matter was under formal dispute review : Discover withdrew an ACH payment of {$210.00} on XX/XX/XXXX. 
Additional ACH withdrawals continued afterward. 
I was told collection activity would be suspended during investigation. 
I was informed refunds would only occur if Discover determined it was at fault. 
This appears inconsistent with protections under the Fair Credit Billing Act prohibiting continued collection of disputed amounts during investigation. 

Continued Failure to Correct From XXXX through XXXX : I contacted Discover weekly. 
I was repeatedly told the matter was in progress. 
No timeline was provided. 
In XX/XX/XXXX, I was told the check had been applied to another account and no corrective action was indicated. 
XXXX calls began after I revoked ACH authorization. 
As of XX/XX/XXXX, the {$9300.00} payment remains unapplied to my account ending in XXXX. 
________________________________________

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This complaint concerns my Bank of America credit card account ( approx. {$14000.00} balance, recently closed and charged off ). 
I was the victim of sustained social engineering fraud. During this period, the fraudster repeatedly requested my Bank of America login credentials and verification codes ( OTP ). I was instructed in real time to link my Bank of America account and to complete transactions while under escalating psychological pressure. 
The XXXX gift card purchases were not independent or voluntary decisions. They were executed under continuous manipulation, real-time direction, and deception. The fraudster also required that I provide the gift card codes immediately after purchase. 
Authorization was obtained through deception involving credential compromise and coercion. This was not a simple buyers remorse situation. My account security was undermined during this process. 
Although communication with the fraudster continued briefly, no additional funds were transferred once I recognized the deception. 
I respectfully request a formal fraud review and reclassification of the charged-off balance as fraud loss, and correction of any negative credit reporting associated with 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 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This account is being reported in a manner that I believe to be inaccurate and/or incomplete. Under the FCRA, all information furnished to consumer reporting agencies must be 100 % accurate and verifiable. If the furnisher or credit reporting agency can not provide proper verification of this account, including proof of my contractual obligation and documentation supporting the balance claimed, the account must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX regarding an alleged debt currently showing a balance of {$2700.00}. The original debt for {$4500.00}, as you can that i made payments. 


Midland Credit Management is not the original creditor. This debt appears to have been purchased or assigned. I dispute the validity, accuracy, and enforceability of this account. 


Although a payment plan appears on the account portal, I have concerns regarding the following : I have not been provided with a copy of the original signed agreement. 

I have not received a complete chain of assignment proving XXXX  lawful ownership. 

I have not received a full itemized accounting explaining how the {$2700.00} balance was calculated. 

I have not received sufficient documentation verifying the accuracy of the debt prior to collection activity. 


Under the Fair Debt Collection Practices Act, a debt collector must provide proper validation of a debt and may not use false, deceptive, or misleading representations in connection with collection. 


Additionally, under the Fair Credit Reporting Act, any information furnished to consumer reporting agencies must be accurate and verifiable. 


If Midland Credit Management can not produce : The original contract or agreement bearing my signature, A complete payment history from the original creditor, Documentation of lawful assignment and ownership, An itemized calculation of principal, interest, and fees, then continued collection and/or credit reporting may constitute violations of federal law. 


I am requesting that the CFPB require Midland Credit Management to : Provide full debt validation and proof of ownership ; Cease collection activity until proper validation is provided ; Correct or delete any inaccurate credit reporting ; Investigate whether this account is being collected in compliance with federal law. 


This matter is causing financial and reputational harm. I respectfully request immediate investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: TN

Complaint narrative:
XX/XX/XXXX they contacted my father by phone call and via text after that they proceed to contact my bosses work phone. My boss answered explained you have the wrong phone dont call again he would relay any information but couldn't give out information. They proceed to repeatedly call my boss on multiple days and on XX/XX/year> they called my boss XXXX times that day. Not once did I get a phone call email or physical mail. However they still continued to contact my boss and father after they both told him they have the wrong number and they confirmed they were not who he was looking for. After contacting them and requesting full debt validation they said they do not own the debt and were unsure when I would get that but it wasn't really worth doing but would requested it anyway. Then they sent over XXXX item that doesnt validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am formally demanding immediate correction of my account and full remediation of improper charges. 

In XX/XX/XXXX, I applied online and was approved for {$6000.00} under the understanding that the account carried a 0 % promotional interest rate if paid within XXXX  months. Based on that representation, I used the account for my cats veterinary XXXX. 

On XX/XX/XXXX, after paying more than half of the balance, I discovered that my account has been accruing approximately 19 % interest along with substantial monthly charges. I was not clearly informed that interest would accrue immediately, nor did I knowingly consent to such terms. 

After contacting customer service, I was told I would be placed into a XXXX 0 % plan but would need to wait XXXX billing cycles. When I called for confirmation, the interaction escalated to an extremely unprofessional exchange with an account XXXX named XXXX, who raised his voice, spoke in a dismissive and confrontational manner, and refused to provide assistance. The conduct was disrespectful and distressing. 

I am demanding the following : XXXX. XXXX placement into the appropriate XXXX 0 % promotional financing plan. 
XXXX. Full refund of all interest and fees charged to date. 
XXXX. Written confirmation of the corrective action taken. 
XXXX. A formal written apology for the unprofessional treatment I experienced. 

Please consider this a formal dispute of the interest and fees currently applied to my account. 

If this matter is not resolved promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau and other appropriate regulatory authorities. 

I expect written confirmation within XXXX business days.

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