vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Recently received summons to just pay XXXX XXXX XXXX. Deputy of the sheriff department accepted the case. Maybe abuse related some where. Have had unwarranted harassment since 2010. XXXX filed with court claims owe a debt under Bank of America. No contact either sources. No debt exists at Bank of America. No account ever existed with Bank of America. Contact to Bank of America difficult. No account numbers.XX/XX/XXXXon court documentation shows no debt validated or account numbers. I sent a email to XXXX and no reply. I responded to the document that the debt is false. No reply from the court.

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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The personal information currently being reported on my credit file is inaccurate and does not reflect my correct details. I have enclosed supporting documentation to verify my identity and confirm the correct information. I am formally requesting that these incorrect addresses and any other inaccurate personal details be removed immediately from my credit report to prevent further confusion or potential harm.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I recently had my car detailed and washed through a guy whos company name is XXXX XXXX XXXX XXXX, everything went fine and I was charged in the amount of {$50.00} but I realized something when I went to get food and my transaction kept declining due to a daily limit being spent thats when I went through my chime app and realized I became a victim of fraud I was supposed to be charged {$50.00} but I was charged {$5000.00} instead. I contacted the guy immediately and he informed me that he would give me a refund, but when I kept calling him he eventually blocked me. So I called my chime immediately and the stopped the transaction and proceeded to put the funds back in my account until the end of the day I see a transaction processed for {$5000.00}. I called again and submitted a screenshot of the man stating he would give me a refund and opened a dispute. I explained everything to chime and they said my dispute could take up to XXXX days to reach a decision but I received a notice today stating ( Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. ) I would like my case to be open back up immediately as I will be filing a police report for this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Unauthorized Withdrawal and Lack of Explanation Business Account ( JPMorgan Chase Bank, N.A. ) Complaint Description : By means of this complaint, XXXX XXXX XXXX respectfully submits a formal complaint regarding a serious issue involving its business bank account held with JPMorgan Chase Bank, N.A. In late XX/XX/scrub> 2026, after satisfying certain payment obligations related to funds previously received, XXXX XXXX XXXX maintained an approximate balance of {$240000.00} in its bank account. Several days later, while those funds remained in the account, the account was restricted by the bank. This restriction did not occur immediately upon receipt of the funds, but rather afterward, without prior notice or any clear explanation from the financial institution. From that point forward, XXXX XXXX XXXX made multiple efforts to obtain information and clarification from JPMorgan Chase Bank, including telephone calls, in-person visits, and written communications. Despite these efforts, no clear, consistent, or documented explanation was provided. Thereafter, on or about XX/XX/scrub> 2026, a debit in the amount of {$230000.00} was processed from the account. No prior authorization, notice, or explanation was provided regarding the basis for or destination of that transaction. As of XX/XX/year>, XXXX XXXX XXXX received at its mailing address a bank statement issued by JPMorgan Chase Bank, N.A., confirming that : The account reflected a balance of {$240000.00} A debit of {$230000.00} was processed The final account balance is {$0.00} That document merely reflects the movement as an accounting entry and does not provide any explanation regarding the nature, legal basis, or destination of the funds that were removed. To date, JPMorgan Chase Bank, N.A. has not provided documentation or any explanation sufficient to determine : The legal basis for the debit The destination of the funds The authority under which the transaction was executed This situation has created significant financial and legal consequences for XXXX XXXX XXXX, which currently does not have access to, control over, or possession of the funds referenced above. Accordingly, it is respectfully requested that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require JPMorgan Chase Bank, N.A. to provide : XXXX. A complete and detailed explanation of the debit transaction XXXX. Documentation supporting that transaction XXXX. Confirmation of the destination of the funds Attachments : Bank Statement XXXX 2026 ( Chase ) Written Letter to Bank Requesting Account Status Certified Mail Receipt / Delivery Confirmation Bank Security / Fraud Communication

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IN

Complaint narrative:
I am filing this complaint against L J Ross Associates , IncXXXX regarding an account they are attempting to collect that does not belong to me. The account is being reported and/or collected as follows : Original Creditor : XXXX ( XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$810.00} I have never opened, authorized, or had any account with XXXX. Additionally, I have never resided in the state of Illinois, where XXXX provides utility services. I have only resided in Indiana. This account is clearly inaccurate and may be the result of identity theft, mixed file, or erroneous reporting. Despite this, L J Ross Associates is attempting to collect this debt and/or report it on my credit file without providing proper validation. This is a violation of federal law, including : Fair Debt Collection Practices Act ( FDCPA ) failure to validate debt and attempting to collect a debt not owed Fair Credit Reporting Act ( FCRA ) reporting inaccurate and unverified information I have requested validation of this debt, including : Documentation showing I opened this account The service address associated with the account Any agreement or contract bearing my signature Full account history and proof of ownership To date, no such documentation has been provided. Because I have never lived in Illinois and never had a XXXX account, this debt can not be mine. I am requesting the following resolution : Immediate deletion of this account from all credit reporting agencies Immediate cessation of all collection activity Written confirmation that this account has been removed If this matter is not resolved, I will pursue further action through the FTC and my State Attorney General. This is an urgent matter involving inaccurate reporting and improper collection activity, and I expect a prompt resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: TX

Complaint narrative:
I attempted to use Capital Ones XXXX XXXX feature to cover part of a travel purchase. On XX/XX/year>2026, approximately XXXX miles were deducted from my account for this transaction, but the corresponding statement credit has not been applied. While other XXXX XXXX credits on my account were processed within a few days, this transaction remains unresolved. I first contacted Capital One on XX/XX/year>2026 regarding this issue and was told I would need to wait XXXX days before any action could be taken. On XX/XX/scrub> 2026, I spoke with a supervisor to request clarification and ask whether any review could begin sooner. The supervisor could not provide a clear explanation for the XXXXday delay and confirmed that I would need to call back again if the issue is still unresolved after that time. This is inconsistent with how other XXXX XXXX credits have been handled on my account, which were processed within a few days. A representative also acknowledged that these typically take only a few days. No explanation has been provided for the delay or what is being done during the XXXXday period. This policy is unreasonable and unfair. It delays resolution of a legitimate rewards issue, provides no transparency into what is being reviewed or why, and requires the customer to repeatedly follow up without a clear path to resolution. It may also limit my ability to dispute the transaction through other channels within appropriate timeframes. As a cardholder paying an annual fee for a premium product, I expect timely and good-faith handling of rewards and billing issues. This lack of transparency and refusal to review the issue in a timely manner falls short of reasonable expectations for financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I opened a Chase XXXX Banking checking account online. I then did a mobile deposit or ( digital check deposit ) of {$250.00} a check I receive every month from a lawsuit. I was told the funds would be on hold up to XX/XX/XXXX days while they verified the check. The check cleared her bank on XX/XX/year> and since then my account was frozen and I was told it would be closed because they could not get in touch with the writer of the check. I took all court documents into my Chase branch, the writer went to her local Chase branch and the multiple phone calls to Chase all of which were to no avail. NowXX/XX/XXXXmonths later I have never received my money nor was it returned to the sender and I have late payments because of their wrongful conversion of property. I demand my money be sent to me along with my late fees withinXX/XX/XXXXdays or I will file a small claims case. This is fraud at its finest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
PRODUCT : Checking or savings account SUB-PRODUCT : Checking account ISSUE : Problem with a purchase or transfer SUB-ISSUE : Charged for a purchase or transfer I did not make / did not receive COMPANY : Chime Financial , Inc. -- - On XX/XX/scrub> 2026, I filed a debit card dispute with Chime for a {$900.00} transaction related to a gaming service credit that was never delivered. The merchant was unresponsive to my attempts to resolve the issue directly and subsequently closed my account, making further contact impossible. I filed the dispute through the Chime app as a " services not delivered '' claim under Regulation XXXX. Chime denied my request for a provisional credit, stating the transaction " was not fraud. '' However, Regulation XXXX ( XXXX XX/XX/XXXXXXXX ) requires provisional credit within XXXX business days for any error claim under investigation, not only fraud. Non-receipt of goods and services purchased via debit card is a covered error under XXXX XXXX Chime 's denial of provisional credit on that basis appears to violate federal requirements. As of XX/XX/scrub> 2026, XX/XX/XXXX days have passed since I filed the dispute. I have not received a written final determination, a refund, or any provisional credit. Regulation XXXX requires that investigations of point-of-sale debit transactions be completed within XX/XX/XXXX days. To summarize, Chime has : XXXX. Failed to issue provisional credit within XXXX business days of my dispute, in apparent violation of XXXXXX/XX/XXXXXXXX ( c ) ( XXXX ). XXXX. Failed to complete the investigation and provide a written determination within 90 days, in apparent violation of XXXX XX/XX/XXXX XXXX ( c ) ( XXXX ). I am requesting a full refund of {$900.00} and a written explanation of Chime 's investigation findings as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascent Holding Co
State: TX

Complaint narrative:
I am submitting a follow-up complaint regarding a private student loan serviced by Ascent Funding that was previously the subject of CFPB Complaint XX/XX/XXXXXXXX. In that prior complaint, the lender acknowledged that interest had accrued incorrectly due to a delay in applying the correct effective withdrawal date ( XX/XX/XXXX ) after I withdrew from a XXXX program. The lender stated that both accrued and capitalized interest would be recalculated accordingly. Following that response, the servicer issued a revised balance. However, the updated calculation still includes approximately {$310.00} of interest that accrued after my withdrawal date. The servicer provided a written breakdown confirming this calculation : * Approximately {$260.00} in interest accrued between XX/XX/XXXX and XX/XX/XXXX ( which I do not dispute ) * Approximately {$310.00} in interest accrued between XX/XX/XXXX and XX/XX/XXXX ( which I dispute ) The post-withdrawal interest directly contradicts the lenders prior statement that interest accrued incorrectly due to the refund timing and would be recalculated based on the correct withdrawal date. When I requested clarification in writing regarding this discrepancy, the servicer refused to provide further written explanation, directed me to call customer service, and then closed the case. At this time, the loan balance still appears to include interest that should not be owed, based on the lenders own prior findings.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Complaint Regarding Improper Bank Account Freeze and Lack of Notice Debt Collection I am filing this complaint against XXXX XXXX Kohn Law Firm, S.C. XXXX XXXX and the associated creditor regarding a legal order that resulted in my bank account being restricted without proper notice. On or about XX/XX/year>2026, I received a letter from my bank informing me that my account had been restricted due to a legal order related to an alleged debt in the amount of {$2800.00}. The bank indicated that the order was received on XX/XX/scrub>, 2026. However, I was never properly served with any summons, complaint, or prior legal notice regarding this matter. After logging into my bank account, I discovered that my funds had already been restricted before I had any knowledge of the case. The notice I received referenced a court date of XX/XX/year>2026, which is still in the future. This means enforcement actions were taken against my account before I was given an opportunity to respond or appear in court. This raises serious concerns regarding violations of my rights under the XXXX XXXX Fair Debt Collection Practices Act ( 15 U.S.C. XXXX, XXXX, and XXXX ) XXXX XXXX, including failure to provide proper validation of the debt and engaging in unfair or deceptive collection practices. Additionally, the lack of proper service appears to violate my due process rights under the XXXX XXXX XXXX Amendment of the United States Constitution XXXX XXXX as I was not given proper notice or an opportunity to be heard before my assets were restricted. I am requesting the following : XXXX. Immediate investigation into the actions of Kohn Law Firm, S.C. and the creditor XXXX. Verification and proof of proper service of the summons and complaint XXXX. Validation of the alleged debt pursuant to federal law XXXX. Immediate release of any improperly restricted funds if proper procedures were not followed XXXX. Removal or correction of any negative reporting associated with this matter if found to be improper I believe my rights as a consumer have been violated, and I am seeking prompt resolution and accountability. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information currently being reported on my credit file is inaccurate and does not reflect my correct details. I have enclosed supporting documentation to verify my identity and confirm the correct information. I am formally requesting that these incorrect addresses and any other inaccurate personal details be removed immediately from my credit report to prevent further confusion or potential harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
They refuse to put my money in and returned it even though I have received it on this same account for XX/XX/XXXX years and nothing has changed me and my husband file jointly and both names are on the refund

Company response to consumer: Closed with explanation