vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 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: DISCOVER BANK
State: FL

Complaint narrative:
i made a purchase in XX/XX/year> for XXXX i never received the merchandise .Discover never had proof of delivery but sided with the merchant, The merchant has confirmed the shipment was lost and the order was canceled i have submitted proof of this and want a refund i have been promise to get a refund from the merchant but have not yet up to this date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
When this account was paid off. It was supposed to have been deleted from my credit report. Yet it is still showing on my credit reports.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was physically robbed while traveling in XXXX, XXXX. My phone and wallet were stolen. I filed a police report with the XXXX XXXX Police. Using my stolen device, the thief accessed my SoFi account, transferred approximately {$15000.00} from my High Yield Savings Account to my checking account, and made approximately {$6000.00} in unauthorized purchases at an Apple Store. I do not use my SoFi checking account or debit card for purchases I use the account solely for savings. I purchased a replacement phone on XX/XX/year> and reported the fraud to SoFi, I submitted my police report and the receipt from purchasing my replacement phone as supporting documentation. On XX/XX/year>, SoFi denied my claim, stating the transactions came from an authorized device. The device was stolen the person using it was not authorized. On XX/XX/year>, I called SoFi to escalate. A supervisor confirmed that the representative who handled my original claim never uploaded my police report or supporting documentation, meaning the first investigation was conducted without reviewing my evidence. I resubmitted all documentation to the new representative. On XX/XX/year>, I submitted additional documentation including my appeal materials. On XX/XX/year> XXXX issued a second and final denial, again stating no error occurred. Critically, in a separate investigation, SoFi determined that a credit card opened on my account during this same incident was fraudulent and reported it to the credit bureaus. SoFi has acknowledged that fraud occurred on my account from this incident but is denying the debit-side transactions that were made by the same person on the same stolen device. Under Regulation E ( 12 CFR 1005.6 ), these are unauthorized electronic fund transfers. I reported the theft in a timely manner and my liability should be limited. SoFi has failed to conduct a proper investigation and has denied my claim twice, once without even reviewing my evidence. I am seeking full reimbursement of all unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ATG Credit, LLC
State: LA

Complaint narrative:
Debt Validation Letter Template To Whom It May Concern, I am writing in response to a collection account that appears on my credit report. This letter is a request for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : XXXX. The name and address of the original creditor. XXXX. The amount of the alleged debt, including a breakdown of interest, fees, and charges. XXXX. Proof that I am legally responsible for this debt, including a copy of the original signed contract or agreement. XXXX. Documentation showing your company has the legal right to collect this debt. XXXX. The date the debt became delinquent and the date of last payment. Until you provide this information, please cease all collection activity and do not report or verify this account to any credit reporting agency. If you can not validate this debt, I request that it be removed from my credit report. This is not a refusal to pay, but a request for verification. Sincerely, XXXX XXXX

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
Re : Complaint Against Old National Bank Unauthorized Withdrawal of {$8800.00} To Whom It May Concern : I am submitting this formal complaint against Old National Bank concerning an unauthorized withdrawal of {$8800.00} from our checking account on XX/XX/year>. After Old National Bank acquired XXXX XXXX, I began receiving repeated calls stating that I had not paid my bills. I contacted the XXXX branch and was reassured there were no issues with our accounts. Shortly thereafter, I received notice that our property taxes had not been paid. We pay XXXX XXXX directly and do not escrow taxes. I confirmed online that the taxes had not processed via auto-pay and paid them immediately. Our county account reflects a XXXX balance. I later discovered that Old National Bank withdrew {$8800.00} from our account without authorization. I met with the branch XXXX, who could not explain the withdrawal and attempted to contact an overseas operations center. He stated he would follow up ; he never did. We have never authorized Old National Bank to escrow property taxes or to withdraw this amount. The funds remain deducted from our account. Despite notifying the bank, no resolution, explanation, or provisional credit has been provided. I am requesting the CFPBs assistance in compelling Old National Bank to : Immediately credit the {$8800.00} Provide documentation showing how this withdrawal was authorized Correct any internal errors related to escrow processing Ensure compliance with the Electronic Fund Transfer Act and Regulation E Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX account issued by XXXX XXXX XXXX XXXX was opened in my name with a {$6000.00} credit limit without my knowledge or authorization. I did not apply for this account, did not consent to a new line of credit, and did not authorize any balance transfer. XXXX is already reporting this account as my most recent account with an opening date of XX/XX/year>, which is inaccurate and misleading. I am requesting a full investigation, written proof of my signed or electronic authorization, and immediate deletion of this account from my credit report if no such authorization exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On Thursday, XX/XX/year>, Bank of America closed my wifes and my checking account without any prior notice, stating it was due to a fraudulent transaction. Bank of America stated they were not required to notify us before closing the account. However, they are still holding our payroll wages for over a month with no option for early release, causing financial hardship. Our payroll deposit of approximately {$1300.00} was deposited into this account on Friday, XX/XX/year>. When we contacted Bank of America, they confirmed the funds are in the account but informed us they will not release the money until XX/XX/year>, when the account is fully closed and a cashiers check is mailed. These funds are wages that we need immediately to pay rent and utilities. We were not notified in advance that the account would be closed or that our deposit would be inaccessible. We are requesting immediate release of our payroll funds or expedited issuance of a cashiers check. Holding earned wages for over a month is causing financial hardship. I also will discussing my options with my attorney too.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank closed my account approximately XXXX months ago and was supposed to mail me a cashiers check for the remaining balance. Despite multiple months passing, I never received the check. Chase has not provided proof of mailing, tracking, or reissued payment. This is my money, and withholding it for months is unacceptable. I believe Chase failed to properly disburse my funds after account closure, which may violate federal and state banking regulations. I am requesting immediate payment of my remaining balance, written confirmation of the amount owed, and an explanation of why the funds were not sent. This delay has caused financial hardship and prevented me from accessing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this formal complaint against Discover Bank ( and its successors XXXX XXXX XXXX XXXX for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regarding the origination and servicing of my private student loans. As a XXXX XXXX XXXX, XXXX high school graduate who entered XXXX XXXX University in XX/XX/XXXX, I was a first-time, inexperienced borrower with no financial support or counsel. During the origination process in XXXX and XXXX, I was lead to believe through verbal representations that interest would not accrue while I was enrolled in school. I relied on this information to my significant financial detriment. Upon graduation, I discovered that approximately {$38000.00} to {$42000.00} in interest had been added to my principal balanceincreasing my debt from approximately {$160000.00} to over {$200000.00}. This 'phantom interest ' was capitalized into a consolidation loan ( Account XXXX ) and subsequently refinanced into my current XXXX loan. This misrepresentation occurred during the exact window ( XXXX ) that Discover was under investigation and ultimately penalized by the CFPB for system migration errors and misrepresenting material loan terms ( Ref : XXXX XXXX XXXX ). As an inexperienced student borrower, I was a victim of the systemic 'misleading ' practices documented in that order. I am seeking a principal reduction or a refund of the misrepresented interest that was rolled into my current balance. I have attached statements from XXXX and XXXX XXXX as evidence of this inflated principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
XXXX Vinci law office llc started to garnish my wages on behalf of XXXX XXXX XXXX XXXX On XX/XX/XXXX,, for a balance left from my dad when he used to live on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My dad and me have the same name but obviously diferent birthdate and diferent S.S. This firm has contacted me on the past to try to collect money, I told them that I was not the person that they were looking for.Also this debt was XXXX on a bankruptcy filed for my dad on XXXX, at the XXXX bankrupcy court in Colorado ( as a right now i dont have the case XXXX, i will go at the court tomorrow and get it ) .my Dad passed away in XX/XX/XXXX. They took {$510.00} from my last pay check, and the total balance is {$11000.00}, this is puting me in a very difficult situation. XXXX no way they could mistake me with my dad since they previously contact me, and the SS. They have on file doesn't match mine. This is causing a big problem on my life, puting a risk my job, my stability, my family 's stability, i can even loose my freedom because of this unethical conduct of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding a {$150.00} American Express XXXX card replacement that I originally requested in XX/XX/XXXX and have still not received. Since XX/XX/XXXX, I have contacted the customer service number listed on the back of the card a total of XXXX ( XXXX ) times to request a replacement card. Each time, the representative confirmed my full name and mailing address on file and stated that the replacement card would be sent within XXXX business days. Despite these repeated assurances, no replacement card has been delivered. My most recent call was on XX/XX/XXXX. During that call, I was again told the card would arrive within XXXX business days. I specifically requested : A tracking number for the replacement shipment A virtual/digital gift card option instead of a mailed replacement A reference or confirmation number for my request I was told that no tracking number is available, that a virtual card option is not permitted, and that no reference number could be provided. The only information given to me was the last XXXX digits of the card. It has now been several months since my initial request, and I have been unable to access the {$150.00} balance. I have made repeated good-faith efforts to resolve this matter directly with the company, but the issue remains unresolved. Desired Resolution : I am requesting XXXX of the following : XXXX. Immediate issuance of a replacement card with tracking information provided ; XXXX XXXX. Issuance of a virtual/digital gift card for the full {$150.00} balance ; XXXX XXXX. A direct refund of the {$150.00} balance to me. I also request written confirmation detailing how and when this matter will be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX laptop for {$2600.00} using a Comenity Bank credit card. The item was shipped via FedEx ( Tracking XXXX XXXXXXXX ) and marked delivered in XX/XX/XXXX. I never received the package. The delivery photo shows only a doormat and a box with no identifiable address confirmation. I contacted XXXX immediately in XX/XX/XXXX and made repeated follow-up calls and emails throughout XX/XX/XXXX and XX/XX/XXXX. XXXX instructed me to file a police report, which I did in XX/XX/XXXX. Despite this, XXXX did not initiate a FedEx XXXX investigation. FedEx later confirmed that no claim had been opened by XXXX. I contacted Comenity Bank in XXXX and XX/XX/XXXX to dispute the charge. I was told the dispute was being processed and was redirected back to XXXX. In XX/XX/XXXX, I followed up and was told no prior dispute record could be located. I filed another dispute. The same issue occurred again months later. During this entire period, I continued to be billed for merchandise I never received. The charge remained on my account and was reported to credit bureaus despite ongoing disputes and lack of a completed investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Between XXXX and XXXX, my checking accounts have been repeatedly closed by multiple banks, often within one day of opening, with no specific explanation other than a business decision. The closures appear to be related to two prior incidents : 1. A fraudulent check was deposited into my account without my knowledge. As soon as I learned it was fraudulent, I reported it and filed a police report. I did not knowingly deposit a fraudulent item. 2. I received a XXXX transfer on behalf of a friend. The sender later reported the transaction as fraud, which resulted in account action against me. I did not engage in fraud or knowingly participate in fraudulent activity. Since those incidents, I have been unable to maintain a banking relationship. Accounts are being automatically closed shortly after opening, suggesting I may have been incorrectly classified in a fraud reporting system such as XXXX XXXX XXXX or XXXX. I am requesting : The specific reason for my account closure Confirmation of whether I have been reported to any consumer reporting agency or fraud database Verification of the accuracy of any reporting Correction or removal of any inaccurate fraud designation These repeated closures have caused significant hardship and limited my access to basic banking services. I am requesting a fair review and correction of any inaccurate reporting.

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 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I formally disputed this alleged debt on XX/XX/XXXX and requested full debt validation, including a signed contract and itemized calculation of the {$6800.00} balance. The collection agency failed to provide any documentation. Despite this, the account was updated in XX/XX/XXXX on my credit report. XXXX removed the account, proving inconsistent reporting, while XXXX XXXX XXXX continued reporting and updating the balance without conducting a reasonable investigation. The amount is inaccurate and unsupported. I am requesting immediate deletion and full correction of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
My Total and XXXX XXXXXXXX forgiveness was approved beginning of XX/XX/year> through the federal government. MOHELA is still showing a balance of almost XXXX dollars even though the debt was forgiven over XXXX months the ago. I tried rectifying this 3 times over the phone and ancouple times via their secure messaging system. They will not remove it from their system or my credit report even though it was approved last XXXX. I now can not apply for a new mortgage because they are not doing their job.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2026, I was the victim of a phone impersonation scam by individuals posing as Chase Bank XXXX XXXX. They falsely claimed fraudulent activity on my account and instructed me to provide one-time passcodes and follow prompts, which I later learned allowed them unauthorized access to my account. Shortly after, unauthorized transactions totaling {$9800.00} were conducted using my debit card to purchase multiple XXXX XXXX money orders at XXXX locations. I did not authorize these transactions, did not purchase these money orders, and did not receive any benefit from these funds. I have since obtained copies of the money orders, which clearly show they were made payable to and deposited by another individual at a different financial institution. I also filed a police report with the XXXX Police Department and provided all documentation to Chase. Despite this evidence, Chase denied my claim, stating the transactions were authorized due to a PIN and SMS code, even though these were obtained fraudulently through impersonation and deception. I immediately reported the fraud, cooperated fully, and provided supporting evidence proving the funds were taken and deposited by an unknown third party. I am requesting a full reinvestigation and reimbursement of the unauthorized transactions under Regulation E, as these were fraudulent electronic fund transfers conducted without my authorization.

Company response to consumer: Closed with explanation