vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I previously filed a CFPB complaint regarding account takeover fraud on my Chase checking account beginning XX/XX/XXXX. 

Since that filing Chase has continued to mishandle the situation and has caused additional financial fraud. 

A reversal of my car down payment cause the compromised account to show a negative balance of approx. {$2000.00}. Chase is now refusing to close the compromised account unless I repay this balance, even though it is directly related to fraud and Chase 's failure to secure the account. Not to mention, Chase originally told me I wouldn't be liable for this {$2000.00} due to the fact that I already paid this amount to the car dealership over a month prior to all fraud on my account. 

Additionally, despite being aware of ongoing fraud and an " active '' investigation, Chase allowed my paycheck today ( XX/XX/XXXX ) to be deposited into the compromised account AGAIN and removed those funds, resulting in another stolen paycheck. 

Chase 's refusal to close the compromised account and continued acceptance of deposits is causing ongoing financial damage, credit harm, and SEVERE hardship. 

This complaint is related to my prior CFPB complaint and documents ongoing misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I am a documented victim of identity theft. The account at issue was fraudulently opened and/or used without my knowledge or authorization. This fact has been established through multiple disputes, FTC Identity Theft Reports, FBI IC3 filings, and direct written notice to furnishers and credit reporting agencies dating back to XXXX. 

Despite receiving actual notice of identity theft, XXXX transferred/sold the fraudulent account to Portfolio Recovery Associates , who is now reporting and attempting to collect on a debt that is legally void. 

This conduct is unlawful. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), once an identity theft report is provided, no entity may furnish, transfer, sell, or continue reporting the debt. XXXX  decision to sell the account after notice constitutes willful noncompliance. Portfolio Recoverys continued reporting and collection activity constitutes independent violations of both the FCRA and the FDCPA. 

Portfolio Recovery has no permissible purpose to report or collect this account, as it is the product of identity theft and has been formally disputed with supporting documentation. Any assertion that this debt was verified is false and legally insufficient. 

This is not a first dispute. This is a re-aging and recycling of known fraudulent debt, which has caused ongoing financial harm including credit denials, higher interest rates, and insurance premium increases. 

Legal Violations Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) 605B Failure to block identity-theft information ; unlawful transfer after notice 611 Failure to conduct a reasonable reinvestigation 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 623 ( b ) Failure to correct or delete after notice 607 ( b ) Failure to assure maximum possible accuracy Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) 1692e False representation of the legal status of a debt 1692f Attempting to collect a debt not legally owed Dodd-Frank Act ( UDAAP ) Unfair, deceptive, and abusive acts by both original creditor and debt buyer Harm Caused Ongoing credit score suppression Loan and credit denials Increased interest rates Increased insurance premiums Time, expense, and emotional distress caused by repeated unlawful disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XX/XX/year>, I purchased a pair of jeans on XXXX for {$100.00} ( transaction date : XX/XX/year> ). The sellers listing showed no flaws or repairs, but when the jeans arrived, they had a significant repaired tear on the leg. This repair was not shown or disclosed in the listing. The item was materially different from what the seller advertised. 

I contacted the merchant through the platform to resolve the issue. Instead of addressing the undisclosed defect, the merchant refused to accept a return and told me to resell the item, which is not an appropriate remedy for a misrepresented product. 

I filed a dispute with American Express and submitted clear photographic evidence showing the repaired tear. The merchants evidence provided to Amex consisted only of policy statements saying all sales are final, and did not address or refute the defect. 

American Express denied the dispute twice, relying solely on the merchants policy and the statement that I should resell the item. At no point did Amex address the actual problem : the jeans were Significantly Not As Described ( SNAD ) due to an undisclosed repaired tear. 

Under Regulation Z, a card issuer must conduct a reasonable investigation of a billing error dispute and evaluate the evidence of misrepresentation. Amex did not evaluate the defect, did not address the photos I provided, and based their decision entirely on the merchants internal return policy, which does not override federal protections when an item is not as described. 

I am requesting CFPB assistance because American Express did not perform a compliant investigation and did not consider the evidence of the defect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I paid IC System {$150.00} on XX/XX/year> based on a recorded agreement that the collection account would be deleted from my credit report. Instead, IC System reported the account as a charge-off to XXXX XXXX XXXX XXXX. This account had previously been written off and was improperly re-aged. I am requesting immediate deletion from all credit bureaus.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: RI

Complaint narrative:
I made a reservation with choice hotels using the pay later option I also canceled the reservation with choice hotel and did not stay at the hotel i reached out to upgrade and asked for a refund the representative wasn't helpful or understanding when i explained what happened it's extremely frustrating to be expected to pay for something that you didn't buy and then when you reached out to explain yourself and have the representative show XXXX empathy or compassion for your situation. I hope that this doesn't happen to anyone else is very discerning I have copies of the canceled reservation and overed to show it to the representative they were very dismissive and uninterested in seeing my proof so that this matter could be resolved instead they have opened a line of credit with transunion and are reporting me and I didn't apply for credit card this is fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Self Financial Inc.
State: WA

Complaint narrative:
XXXX ) XX/XX/XXXX direct debit from my account by self crefit card XXXX XXXX. ) Self told me when I call all three times that I would have my refund by XX/XX/XXXX. 
XXXX ) My credit report shows a early closure on this account yet I never recieved the card so I would like it fixed. 

I called three times an d yet no money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This complaint concerns a fraudulent transaction on my Goldman Sachs Apple Card. 

On XX/XX/year>, a charge of {$58.00} was posted to my Apple Card account from a merchant listed as XXXX XXXX. The transaction was for XXXXXXXX XXXX XXXXXXXX, described as a sunbed purchase. 

On the same day, I received an automated order confirmation email stating the order would ship later. However : I never received a shipping confirmation I never received a tracking number The product was never delivered After waiting more than two weeks with no update, I attempted to contact the merchant. 

On XX/XX/year>, I emailed the merchant requesting a shipping update or cancellation. I received no response. 

On XX/XX/year>, I attempted to contact the merchant again. That email was returned as undeliverable, indicating the email address no longer exists. 

I also attempted to access the merchants website ( XXXX  ), which was no longer active and displayed an error stating the link was unavailable. 

Based on the undeliverable merchant email address, the inactive website, the lack of shipping confirmation, and the fact that no merchandise was ever received, I believe this merchant is fraudulent. 

I disputed this charge with Goldman Sachs Bank USA ( Apple Card ) on four separate occasions.

Each dispute was denied without Goldman Sachs providing : Proof of delivery A tracking number A signed receipt Any merchant documentation Any explanation showing how the transaction was determined to be authorized I specifically requested copies of the merchants response and proof of delivery, but Goldman Sachs refused to provide this information and issued only generic denial notices through the Apple XXXX  XXXX. 

To date, no evidence has been produced showing that the merchandise was shipped or delivered to me. 

I am requesting that Goldman Sachs : 1. Provide full documentation relied upon to deny this dispute, including merchant responses and proof of delivery, or 2. Permanently reverse the {$58.00} fraudulent charge if such documentation can not be produced.

Supporting documentation includes the order receipt, screenshots of the inactive merchant website, and the email delivery failure notice confirming the merchant is unreachable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Ava Finance, Inc
State: NY

Complaint narrative:
I sent the company a copy of my police report, My State ID, a picture of me holding that same ID, and my Statement with the item mentioned. As requested from the company. They then said that this information was not enough to have to account removed. Pursuant to FCRA and many other laws. The company willingly did not comply after receiving the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Puchased from Walmart XX/XX/XXXX  office chair ; chair was delayed in delivery I cancelled order on XX/XX/2025 ; and on XXXX XXXX Walmart credit my credit card in the amount of XXXX payments {$77.00} for chair and XXXX for protection plan totalling {$84.00} ; Then chair was delivered and Capital One gave a purchase adjustment in the amount of {$84.00} on XX/XX/2025. Called XXXX  to assembly chair and discovered a defect after assembly one arm on chair was yellow the other black ; attempted to get part replacement and was offered {$5.00} to keep chair ; I returned chair to Walmart XXXX on XX/XX/2025 for full refund Mgr at store helped Name XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX. Notified Capital One that on XX/XX/XXXX  a debit was applied to card card in the amount of {$84.00}. Each time I attempted to dispute this amount with Capital One customer service stated " you can not dispute this charge '' and you will have to pay this amount. This is an error Walmart creditied the account which meant that I had no financial obligation to pay. The {$84.00} appearing on my statement is erroneous because the balance should have been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: PA

Complaint narrative:
They locked my account for 90 days and not allowing me to pay down my debt on line while I accrue very high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> Navy Federal credit union took all my funds from my check and savings account after I had set up payment plans with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX XXXX closed on XX/XX/XXXX for predatory lending and misrepresentation. Us department of education advised that student loans would be forgiven automatically including interest accumulated. Its been 10 years since US department announced that it would automatically discharge my loans for XXXX XXXX XXXX. On XX/XX/XXXXXXXX  US Department of Education announced that it would automatically discharge XXXX XXXX student loans its been 4 years since that announcement and now on XX/XX/XXXXXXXX  Mohela finally recognized my discharge but they failed to discharge the interest accumulated over time. Its been 17 years since the start of accumulation of interest to the XXXX XXXX XXXX student loans XX/XX/XXXXXXXX  at 5.38 % over 17 years, the interest that accrued is approximately : {$17000.00} They are currently stating that I owe a balance of {$10000.00} and that they have forgiven {$10000.00} they failed to include in the amount forgiven the interest accumulated over the years from the start of first payment obligation which was XX/XX/XXXX instead they just discharged the principal amount. The total amount forgiven should be {$28000.00}. Which means the owe me a check please calculate the numbers accurately and send me my check and set the balance to XXXX. Mohela continues to harrass and miscalculate funds.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am filing this complaint against OneMain Financial regarding my XXXX XXXX account and their repeated failure to properly verify my identity despite extensive and repeated documentation submissions. 

For well over one month, I have complied with every documentation request made by OneMain Financial. I am uploading screenshots showing that, when I sign into my account, the only document listed as required is a front and back copy of my drivers license. I have submitted exactly that documentation multiple times.

Despite this, when I contact customer service, I am told something different. Representatives state that although my drivers license has been received, they now require my Social Security card and proof of residence. I have submitted those additional documents more than 30 times through the methods requested. Representatives routinely confirm that these documents are visible and on file, yet claim they are waiting for their back office or security department to process the caseload. 

At various points, the security hold has been temporarily removed and then placed back on my account without explanation. When I log into my account, the system continues to show only a request for a copy of my drivers license, creating confusion and contradicting what representatives tell me over the phone. 

As a result of these repeated and inconsistent actions, my account remains locked and unusable, preventing me from conducting normal business activity. This ongoing cycle of account blocks, repeated document requests, and indefinite delaysdespite full compliancehas caused significant inconvenience and financial disruption. 

If OneMain Financial chooses to operate a security or fraud prevention department, it should be capable of promptly reviewing documentation and clearing an account once the required information is received. Repeatedly blocking account access while confirming that documentation is already on file is unreasonable and appears to be harassment rather than legitimate fraud prevention. 

I am submitting all requested documentation with this complaint to eliminate any confusion. I am requesting CFPB intervention to require OneMain Financial to complete its identity verification review, permanently remove the security hold from my XXXX XXXX account, and restore full access without further repetitive or contradictory documentation demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding Capital One Auto Finances refusal to refund the interest I paid on a {$3800.00} warranty that was fraudulently sold and later refunded by the warranty company. 
In approximately XXXX, a vehicle service contract ( warranty ) in the amount of {$3800.00} was added to my auto loan. I later discovered that this warranty was fraudulently sold to me. The warranty company investigated the matter, admitted fault, and refunded the full {$3800.00} principal. 
However, Capital One has refused to refund the interest I paid over approximately three years on that {$3800.00} balance, even though that balance never should have existed in the first place. Capital One financially benefited from interest charged on a loan amount created by a fraudulent transaction.

I escalated this issue to Capital Ones Office of the President ( XXXX # XXXX ), and they advised that they can not do anything about it. Their refusal leaves me paying interest on a fraudulent charge that was already reversed by the warranty company. 
This constitutes unjust enrichment and unfair and deceptive acts or practices ( XXXX ). Capital One collected interest on a balance that resulted from fraud and now refuses to return those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PA

Complaint narrative:
Account : National recovery agencyAccount Number : XXXX Original Creditor : XXXX XXXX The account were not properly investigated According to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I deposited a certified check from XXXXXXXX XXXX which was scheduled to clear on the XXXX. On the XXXX I received a notification that the check them would not clear til the XXXX. I then canceled the check and received payment via cash to cover account balances. There was nothing to be done on my part as Bank of America did not get penalized for the stopped payment. I received a call from the fraud department yesterday asking about the matter. I explained I authorized it. They proceeded to say they have to close the account. I agreed. I paid the balance that morning {$410.00} and I was told It would be closed same day. Also that my direct deposit money would return to sender. How my direct deposit has went into the account and they refuse to give me access via online or in person. That is my money.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I have been getting phone calls for a XXXX for a few years now. I am obviously not XXXX and each time I have to tell them to take me off the list. They sell the debt to the next person who then calls everyday for about a month till I have had it and tell them to stop. It is a non stop flood of calls for this XXXX. I am absolutely tired of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It keeps going but I am tired of scrolling down my phone just to report this years long annoyance.

Company response to consumer: Closed with explanation