vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue Summary : Chase Bank has refused to close my bank account for more than XXXX months, despite the balance being under {$100.00} and despite repeated attempts to resolve the issue through their Executive Office. Chase has stopped responding entirely, leaving the account open against my wishes. What Happened : Over XXXX months ago, I requested that Chase close my bank account. I was told by Chase representatives that they could not close an account with more than {$5000.00} in it, which is unreasonable and inconsistent with normal banking practices. I immediately withdrew nearly all funds, and the account has had less than {$100.00} in it for months. Despite this, Chase still refuses to close the account. I have spent over {$50.00} calling them XXXX numbers are not toll free from XXXX. i get transferred and transferred and no one handles it I escalated the matter to the Chase Executive Office, and about XXXX month ago they told me they would research the issue. Since then, I have emailed the Executive Office XXXX times with no response. I live in XXXX, and I provided multiple international phone numbers and email addresses, yet Chase has not called or emailed meXX/XX/XXXX I have no way to close the account because Chase will not communicate or take action. Why This Is a Problem : Chase is preventing me from closing my own account, despite the balance being minimal and despite my repeated requests. Their refusal to respond has caused : Ongoing stress and uncertainty Inability to finalize my financial affairs after relocating abroad Risk of fees or account issues accumulating without my consent A complete breakdown in communication, even at the Executive Office level What I Want : I am requesting that Chase : Immediately close my account as I have repeatedly requested. Provide written confirmation of the closure. Explain why they refused to close the account for over XXXX months and why the Executive OfficXXXX stopped responding. Ensure no fees or negative marks are applied to my account as a result of their delays. Supporting Information : I can provide emails, dates of contact, and documentation showing the account balance and my attempts to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
In XXXX, I was in the process of purchasing a home ; however, my loan application was ultimately denied, and I did not proceed with any further related actions. On Wednesday, XX/XX/XXXX, I discovered a significant decrease in my credit score due to a collection account that had been reported on my credit file. This collection is listed under XXXX XXXX in the amount of {$380.00}, allegedly tied to a homeowners insurance policy opened in XXXX. Upon contacting the loan officer who handled my application, XXXX XXXX ( XXXXXX/XX/XXXXXXXX ), I was informed that she had taken it upon herself to shop for and initiate a homeowners insurance policy on my behalf. These actions were taken without my knowledge, consent, or authorization, whether written or verbal. Furthermore, my personal information was shared with an XXXX XXXX agent without my permission, which constitutes a violation of my right to confidentiality. As a direct result of these unauthorized actions, a significant harm to my credit standing. This has negatively impacted my ability to pursue further education, specifically in obtaining financing for dental school, and may subject me to higher interest rates on any future loans. I request that this matter be investigated thoroughly and that appropriate legal and corrective actions be taken to prevent similar incidents from occurring to someone else or hurt any family in the future. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
My leased vehicle was rear ended and totaled. Over the past approximately XXXX months, I have been attempting to resolve a balance discrepancy with Mazda Financial Services regarding an alleged remaining balance of approximately $ XXXX {$2600.00} after an insurance payment was made pursuant to a letter of guarantee. During this time, I spoke with more than 10 representatives across multiple calls, spending several hours attempting to confirm whether this balance was valid. I received inconsistent and conflicting information throughout this process. On at least one occasion, a representative explicitly told me that I did not owe the balance and instructed me not to make a payment. I was also told that I would receive written confirmation of this, which I never received. Despite this, I continued to receive communications stating that a balance was due. When I contacted Mazda Financial Services again for clarification, I continued to receive conflicting information. In addition, I was treated in a dismissive and unprofessional manner when attempting to reconcile these discrepancies. Because I am currently in the process of applying for a mortgage, I became increasingly concerned about the risk of negative credit reporting resulting from this unresolved situation. I made multiple good-faith efforts to obtain clear and consistent information, as well as written confirmation of the account status, but was unable to do so. I was later informed that the prior instruction not to pay was an error. I was told the account had been closed but not charged off. Due to the urgency of protecting my credit, I paid the full remaining balance. At the time of payment, I was verbally assured that because the account had not been charged off, no negative credit reporting would occur once the payment was processed. However, I was unable to obtain this assurance in writing. This situation involved prolonged miscommunication, contradictory guidance, and a lack of documentation, which created a significant and unnecessary risk of harm to my credit during a critical financial process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I gave my last payment on XX/XX/year>. Ive been trying to get my title and both Chase bank XXXX XXXX are saying theres an error. Its now XX/XX/XXXX & I still have no title. Up until now no one can even tell me what the error is. This is really frustrating. Ive been to the XXXX, made phone calls to Chase Auto, & gone physically into the bank. It should not be this difficult to get my title, especially now. Its been over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I ended up getting scammed, taking funds from my cash app and filed a dispute immediately back in XX/XX/XXXX. Withdrawals were XXXX, XXXX, and XXXX. They said they would resolve it in 10 buisness days. It is now XX/XX/XXXX, its been two months I've called to get updates more than 5 times over 2 months and they keep telling me they're working on it and they're going to prioritize my dispute. Nothing happens I call days/weeks later and get the same story. The fraud card the stolen money went on was XXXX Exp XX/XX/XXXX cvv XXXX I also filed a report with local law enforcement but they said they would not be able to help. XXXX XXXX sherrifs office report # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Validation of Debt Request - NAVY FEDERAL CREDIT - XXX * * * * * * * * * * * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This has happened multiple times with Bank OF America. Mobile deposit made XX/XX/year>. No hold placed at time of deposit. Stating funds would be available next day XX/XX/year>. The following day a deposit hold was placed until XX/XX/year>. No Notice was given at time of deposit.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am filing a complaint against XXXX because I do not believe they conducted a proper investigation into my unauthorized transfer claims. My XXXX account was compromised around late XXXX. After that, I stopped receiving emails or notifications from XXXX and believed there was a bug or technical issue with my account. In reality, I was locked out of my account and unable to log in for months. I only regained access on XX/XX/XXXX, after calling XXXX XXXX XXXX After I regained access, I discovered multiple unauthorized transfers. These transfers were not made by me, and the bank account used to receive or move the money was not my bank account and was not under my name. XXXX should be able to verify this through the linked bank account details, ownership information, login history, email/account changes, and device/IP access history. I submitted evidence to XXXX, including XXXX XXXX My bank statement showing I did not receive these funds in my own bank account * Screenshots showing I did not receive XXXX emails or notifications during the period when my account was compromised XXXX My explanation that I could not access my account from late XXXX until XX/XX/XXXX The unauthorized transfers I reported are : XXXX {$1600.00} on XX/XX/XXXXXXXX XXXX XXXX {$450.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX {$450.00} on XX/XX/XXXXXXXX XXXX {$2600.00} on XX/XX/XXXXXXXX XXXX XXXX {$1400.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} on XX/XX/XXXXXXXX XXXX XXXX {$840.00} on XX/XX/XXXXXXXX XXXX XXXX$1500.00} on XX/XX/XXXX Total disputed amount : {$9900.00} XXXX denied my claims and stated they found no evidence of unauthorized access. I strongly disagree with that conclusion. I believe XXXX failed to properly investigate the unauthorized access, the account changes, the linked bank account ownership, and the destination of the transferred funds. I am requesting that CFPB help review this matter and require XXXX to : XXXX. Reinvestigate my unauthorized transfer claims XXXX Review the bank account ownership information used in these transfers XXXX Review login history, device/IP history, and email/account changes XXXX. Provide a clear explanation of why my evidence was not sufficient XXXX. Correct the outcome if the investigation was incomplete or incorrect This is a substantial amount of money, and I can not accept losing {$9900.00} for transfers that I did not authorize and that were sent to a bank account that was not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am formally disputing the account reported under FIRST FED CREDIT CONTROL in the amount of {$1600.00}. I have no knowledge of this alleged debt and do not recognize any obligation to this creditor or collection agency. I never received proper notice of this account prior to it being reported to my credit file. Specifically, I was not provided with the required written notice within XXXX ( XXXX ) days of initial communication as mandated under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. As a result, I was denied my right to dispute and request validation before this account was reported. Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), all information furnished to consumer reporting agencies must be accurate and verifiable. At this time, this account is being reported without sufficient evidence that it is accurate, complete, or belongs to me. I am demanding full validation of this alleged debt, including : A signed contract or original agreement bearing my signature Proof of authorization and liability for this debt A complete and itemized account history from inception Documentation establishing the chain of title/assignment from the original creditor to FIRST FED CREDIT CONTROL Proof that you have the legal right to collect on this account Be advised : a mere statement of balance or internal records is not sufficient validation. Additionally, under 15 U.S.C. 1681i, this account must be fully investigated. If you are unable to provide the requested documentation, you are required to delete this account from my credit report immediately. Any continued reporting of unverified, inaccurate, or incomplete information may constitute willful noncompliance under the FCRA and FDCPA, and I am prepared to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. This account is inaccurate, unverified, and not mine to the best of my knowledge. I expect prompt resolution and written confirmation of the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX XXXX Synchrony Bank XXXX XXXX for XXXX XXXX I am filing a complaint against Synchrony Bank regarding their improper denial of a billing dispute for merchandise that was never received. On or about XX/XX/year>, I made a purchase from XXXX XXXX XXXX using my Synchrony credit account. The purchase was for XXXX that was scheduled to be delivered in XXXXXXXX XXXX. The day before the scheduled delivery, I was notified by the merchant that they would not be delivering the XXXX due to filing for XXXX As a result, I never received the merchandise. Despite this, Synchrony Bank has refused to credit my account. Their position is that the charge is valid because it was processed at the time the order was placed rather than upon delivery. This reasoning is inappropriate and ignores the fact that the goods were never delivered. I disputed this charge with Synchrony and provided all relevant information. Synchrony stated they received documentation from the merchant and denied my claim, but they have not provided sufficient justification for holding me responsible for goods I did not receive. Under the Fair Credit Billing Act, consumers have the right to dispute charges for goods that were not delivered as agreed. I entered into this transaction with the expectation of receiving the purchased items, which did not occur through no fault of my own. It is unreasonable and unfair to require payment for merchandise that was never received, especially in a situation where the merchant is no longer operating due to bankruptcy. I am requesting that Synchrony Bank : Remove the disputed charge from my account in full Refund any payments made toward this purchase Remove any associated interest or fees Correct any negative credit reporting related to this transaction I have acted in good faith throughout this process and expect Synchrony Bank to comply with applicable consumer protection laws and resolve this matter promptly. XXXX, XXXX

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 2026-03-23 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: TX

Complaint narrative:
I am filing this complaint regarding a debit card transaction of approximately {$3000.00} that I reported to Chase. I acknowledge that the transaction was authorized at the time ; however, it occurred under deception due to a fraudulent impersonation of a legitimate cryptocurrency service. After purchasing cryptocurrency through a legitimate platform, I was directed to an interface that appeared to be a legitimate trading service. Based on that misrepresentation, I authorized a transfer, believing I was interacting with a legitimate system. I did not knowingly or intentionally send funds to a scammer. This was my first experience with such a scam. I acted promptly by reporting the issue to Chase and filing a complaint with the FBI IC3. Chase initially issued a provisional credit but later denied the claim, stating that the transaction was authorized. I requested a second review and provided supporting documentation, including a detailed incident summary and evidence of deception. The claim was denied again. I fully understand the banks policy regarding authorized transactions. However, I respectfully request reconsideration under discretionary or goodwill review, given the following : This was a deception-based scam This was my first incident I reported the issue immediately I provided complete documentation, including an IC3 complaint I am not disputing that I initiated the transaction, but I am requesting that Chase consider the circumstances of deception and review this case at an executive level for a possible one-time courtesy adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: LA

Complaint narrative:
Validation of Debt Request - WORLD FIN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation