vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I am disputing a collection account being reported by Online Information Services on behalf of XXXX XXXX XXXX XXXX in the amount of {$340.00} ( Account No. XXXX ). My current legal name is XXXX XXXX. My former name prior to marriage was XXXX XXXX. I do not recognize this debt and have concerns regarding the accuracy and ownership of the account. I have requested verification of this account, including the service address, dates of service, original application or service agreement, billing history, and documentation establishing that I am the responsible party. I have not been provided sufficient evidence demonstrating that I opened, authorized, or benefited from the services associated with this account. I am requesting a thorough investigation and complete verification of the debt. If Online Information Services and/or XXXXXXXX XXXX XXXX XXXX can not provide competent evidence that I opened or authorized this account, I request that the collection account be deleted from all consumer reporting agencies. Please provide all documentation used to verify this debt, including the service address, account records, and any documents bearing my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX of XXXX I enrolled to XXXX affiliated credit card name JP Morgan Chase no subscription fee. But I never used that card since Day 1. Middle of XX/XX/XXXX They they charge me which they can explain to me. What is the charge for? I asked them many times, but I never used a card and they said yes I never used my card and I dont know. Where is the charge come from? I also asked them if I was charged on this amount of {$35.00}. Why didnt inform me from the time I had the notification that I was charged with {$35.00} I was about to pay that but they canceled my card which I dont have an access on it. and keep on trying and keep on reaching out on them, but they are not reachable to the point that I already forgot since I was so busy with my new job. And then they just disregard the interest charges on the {$35.00}. They didnt inform me to the point that XX/XX/XXXX. I told them that we need to fix this problem. I just need an access to my account they didnt give me an access, but they said I can pay it online. I said why would I pay it online or in I can actually access my account since I have that account before and I really want to know where the charges are coming from for transparency transparency it is my legal rights to know what is a {$35.00} for so they disregard this in XXXX XXXX, XX/XX/XXXX. I didnt see. I didnt receive any notification then here comes XXXX they come up with {$300.00} of interest charges. I originally enrolled for no subscription fee I didnt expect that there are opportunistic company and took advantage

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: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Squares decision to close my business account and hold approximately {$14000.00} of my funds without providing a meaningful explanation. I have used Square for approximately two years and have successfully processed large invoices in the past, including a {$10000.00} invoice just weeks before this incident. A customer received an {$8000.00} invoice and requested that their card be charged {$1000.00} per day over eight days. The customer authorized all charges and used the same card for each payment. After the fifth payment, Square notified me that my account was under review and requested additional information. I promptly provided all requested documentation. Shortly afterward, Square informed me that my account would be closed. When I asked for the reason, I was told that Square would not provide any further explanation and that I could no longer appeal the decision. The customer has not disputed any of the charges, and there have been no chargebacks associated with these transactions. Despite this, Square froze approximately {$14000.00} belonging to my business and informed me that the funds will not be released until XX/XX/XXXX. I am requesting that Square provide a specific explanation for the account closure and reconsider the hold on my funds. If the funds are being held due to concerns about chargebacks or fraud, I believe the facts show that the transactions were legitimate, authorized by the customer, and completed without dispute. I am seeking a fair review of my case and the prompt release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Jefferson Capital Systems. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Jefferson Capital Systems owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Jefferson Capital Systems to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, Chase denied my identity theft claim related to account ending in XXXX. The denial letter states that Chase concluded I received direct benefit from the account. However, Chase did not provide the evidence used to support that conclusion. I requested that Chase provide the records relied upon during its investigation, including account applications, signature cards, transaction records, identification documents, device/IP logs, and any other evidence used to determine that the account belonged to me. Chase has not provided sufficient documentation to support its findings. I am requesting that Chase provide a complete copy of the investigation file and all records relied upon in denying my identity theft claim. If Chase can not substantiate its conclusion with competent evidence, I request that Chase correct any inaccurate records, remove any adverse reporting related to this matter, and conduct a reasonable reinvestigation. I am seeking transparency regarding how Chase reached its decision and access to the documents used in its investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Synchrony Bank ( SYNCB/XXXX ) because they are reporting a chargeoff on my credit report but are unreachable at their official dispute address. I mailed a certified dispute letter to the address listed on my credit report : SYNCB/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The United States Postal Service returned my certified letter with the official stamp : RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD. This proves that SYNCB is : Unreachable Unable to receive disputes Unable to validate the debt Unable to investigate disputes Unable to respond to consumer requests Furnishing information that can not be verified This violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or incomplete information FCRA 623 ( a ) ( 3 ) failure to respond to disputes FCRA 623 ( a ) ( 5 ) failure to maintain accurate contact information FCRA 611 ( a ) ( 1 ) ( A ) unverifiable information must be deleted Because SYNCB is unreachable and can not validate or investigate, the information they are furnishing to the credit bureaus is unverifiable and 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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America Credit Card Ending in XXXX Amount Owed : {$62.00} Amount Paid : XX/XX/XXXX I am disputing the late payment reporting related to my Bank of America credit card ending in XXXX. A complaint/dispute was filed with XXXX and was denied on XXXX XXXX XXXX. Bank of America also sent me a letter dated XXXX XXXX XXXX, stating that they did not find any reporting errors. However, Bank of America did not address my specific request for proof regarding the account alerts. I had alerts set up for late payments and was not properly notified that the account was past due. When I became aware of the past-due balance, I paid the amount owed immediately on XX/XX/XXXXXXXX XXXX XXXX The amount owed was only {$62.00}. Because Bank of America closed the account, I no longer have access to the account records or alert settings. I must rely on Bank of America to provide this information. I specifically requested that Bank of America verify and provide proof regarding whether alerts were set up and whether any late-payment alerts were actually sent to me. Their response did not address that issue. I am requesting that Bank of America provide documentation showing whether late-payment alerts were active on the account and whether any email, mail, or electronic alert was sent before the account was reported late. If Bank of America can not provide proof that I was properly notified, I am requesting that the late payment be removed from my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage received and processed the insurance proceeds check on XXXX XXXX XXXX Since that time, I have submitted multiple requests to pay off my mortgage using the insurance proceeds and release the remaining funds to me so that I may secure replacement housing. They have done 3 payoff requests from XXXX charging me {$30.00} each time. The following actions have already been completed : Insurance proceeds received and processed on XXXX XXXX XXXX Payoff request submitted on XXXX XXXX XXXX Additional payoff requests submitted on XXXX XXXX XXXX, and XXXX XXXX XXXX Letter of Intent submitted multiple times as requested Despite complying with each request, I continue to receive conflicting information and am repeatedly transferred between departments. Representatives have been unable to explain what is preventing the payoff of my mortgage and the release of the remaining insurance proceeds. As this property was declared a total loss, this delay is creating significant hardship and is impacting my ability to purchase replacement housing and move forward after this devastating event.

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 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX XXXX, the original creditor, XXXX XXXX XXXX, issued a final billing statement showing a verified balance of {$0.00}. No debt exists. Despite this, a collection agency named XXXX XXXX placed a collection account on my credit report. I submitted a standard dispute regarding this inaccurate account data to XXXX 's automated system completely misrepresented my claim, mistakenly classifying my accuracy dispute as an " Identity Theft Block '' request. Experian then sent a formal letter flatly declining to block the information and closed my file without conducting a proper human investigation. My dispute is an accuracy issue under FCRA Section 611, not an identity theft claim.While the collection agency has updated the account status to " Disputed by Consumer, '' they have simultaneously and illegally inflated the reported collection balance by adding unauthorized interest and fees to a non-existent debt. Furthermore, Experian has now locked me out of my online account, completely preventing me from accessing or monitoring my own credit file during this dispute.This corporate negligence has caused me ongoing harassment, severe stress, and direct damage to my creditworthiness. Experian failed its federal duty to conduct a reasonable investigation into a provably false corporate error.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I attempted to withdraw money from a XXXX ATM in XXXX, XXXX using my Wells Fargo debit/ATM card connected to my Wells Fargo checking account. The ATM did not dispense any cash and did not provide a receipt showing that money was received. However, the transaction was still debited from my Wells Fargo account. I contacted Wells Fargo and disputed the failed ATM withdrawal. Wells Fargo initially issued a provisional credit approximately two days later. Later, Wells Fargo reversed the provisional credit and took back {$410.00} from my account. I requested that Wells Fargo reopen the dispute because I never received cash from the ATM. Wells Fargo refused to reopen the claim. I also requested the final investigation report and all supporting documents Wells Fargo relied on to deny or close the dispute, including any XXXX response, ATM journal , cash-dispense verification, network settlement record, and proof that the ATM actually dispensed cash. I was told it may take approximately 30 days to receive a copy of the report. I am currently in XXXX, XXXX and personally went to XXXX for assistance. XXXX told me I need to provide Wells Fargos final letter/report before they can assist further at the main branch. This leaves me stuck between Wells Fargo and XXXX while Wells Fargo has already taken back the provisional credit. My complaint is that Wells Fargo reversed my provisional credit, refused to reopen the failed ATM withdrawal dispute, and has not provided the evidence or complete investigation file needed to challenge the decision. I am requesting review under Regulation E / 12 CFR 1005.11 because this was an electronic funds transfer error involving a debit/ATM card transaction.

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 monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am filing this complaint regarding Jefferson Capital Systems for reporting XXXX attempting XXXX collect a debt that does not belong XXXX me. Jefferson Capital Systems has added a collection account XXXX my credit report that they claim originated with XXXX. I dispute this debt in its entirety because I am not responsible for this account XXXX do not recognize it as mine. I have requested that the debt be verified, yet the account continues XXXX be reported XXXX/or collected. Under the Fair Credit Reporting Act ( FCRA ) XXXX Fair Debt Collection Practices Act ( FDCPA ), a debt collector must accurately report information XXXX provide proper validation of a disputed debt. I am requesting that Jefferson Capital Systems provide complete documentation proving that I am legally responsible for this account, including the original account application, signed agreement, XXXX documentation showing how the debt was transferred from XXXX XXXX Jefferson Capital Systems XXXX If they can not provide sufficient evidence, I request that the collection account be immediately removed from all credit reporting agencies XXXX that all collection activity cease. I also request that the CFPB investigate this matter XXXX require Jefferson Capital Systems XXXX correct any inaccurate information being reported about me. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Monday XXXX I noticed an unauthorized charge on my TD Checking Account. I contacted them and filed a claim. They provided me with a claim number, cancelled my current debit card, and advised a new card would be mailed. On Saturday XXXX they added a provisional credit to my account. I sent two XXXX payments, paid for my XXXXXXXX XXXX XXXX Subscription, and withdrew {$100.00} from a branch. Later that same day I checked the mail and saw that the new debit card was delivered. I activated it and when I tried to use it it declined. I received an email as before in the past to contact the bank to verify the charge attempted. I called and did so. They said all good, just wait to receive a secure message from fraud in your app to use your card again. Several hours later I received a message from fraud department advising card was clear and to go ahead and use it as normal again. I again tried to use it and it declined and again I got an email to call to verify the charge. I called again, and was advised now my account was restricted and I needed to go to a branch to clear it. On Monday I went to a branch. I was advised they wanted to close the account. I asked how was this and why that I had a fraudulent charge, that they issued provisional credit and I was able to use my account normally and only whenI activated the new debit card did the issue begin. They advised to come back the following day once transactions pending posted to close account in branch and issue me the balance of the funds. I came back today. They called fraud department who advised they cant issue me the funds until the dispute I initiated for the unauthorized charge was complete. So in essence, I had an unauthorized charge on my account, and after issuing me the provisional credit, I was able to use the funds without an issue and only at the moment of me activating the debit card replacement they sent me did all of this happen. I was made a victim once and then a second time by the very bank it happened at and had I not activated the new card that they mailed to me my account would still be active without issue. Instead, they issued a provisional credit which I had access to up until the moment I activated the card at which time that remedy was no longer accessible and despite being advised to come to a branch to close account and at least have access to the funds now Ive been left completely with no access and no recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America removed the " total current balance '' autopay option, leaving only statement balance or minimum payment. I contacted them via live chat in XX/XX/year> and requested the current balance autopay option. The representative confirmed it is not available on a recurring basis. Without this option, customers can not automatically pay their full current balance, increasing the risk of carrying a balance and incurring interest charges. This change limits consumers ' ability to avoid interest and primarily benefits the bank financially.

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