vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Eagle Financial Services, Inc.
State: KY

Complaint narrative:
Ive asked them multiple times to not call my place of employment as Im not allowed personal calls from anyone ( debt collector included ) I have a cell phone for that, in which, I will call back on lunch, break, or whenever I get off. However, today makes the XXXX or XXXX incident and now Im in the office at work getting wrote up due to their non compliance of tying up a multi-billion dollar companys phone line over a bill thats not due until this Friday. They still seem to call my office phone and tie up the lines here at work regardless of the legality negligence theyre doing. At this point. I believe theyve caused me enough headaches with their unprofessional behavior while Im working at upholding my side of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
" I am filing a complaint against Navy Federal Credit Union for an incorrect denial of a Regulation E fraud claim. I was targeted by a highly sophisticated Bank Imposter Scam where a criminal spoofed Navy Federal 's identity and phone number as pictured in my call log, claiming my account was breached and my Social Security number was compromised. Under severe duress and explicit instructions from the person I believed to be a Navy Federal Fraud Specialist, I was fraudulently induced into performing pass-through debit card transfers via Cash App and XXXX to purchase Bitcoin to XXXXsecure my balances. ' I received XXXX financial benefit from these funds. Navy Federal denied my claim based on an automated rule regarding cryptocurrency, entirely ignoring the fact that this was a Qualifying Bank Imposter Scam. Under current CFPB Regulation XXXX guidelines, transfers initiated via deceptive inducement by a financial institution imposter qualify as unauthorized. Navy Federal is failing to protect its consumer and its own brand identity. I have already filed a police report and an FTC report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint due to predatory credit reporting and repeated failures by Chase to address a legitimate consumer dispute regarding two closed credit card accounts. Chase unilaterally closed both accounts after I enrolled in an internal interest savings program, yet they failed to provide the legally required Adverse Action Notices at the time of closure. Furthermore, Chase is engaging in 'balance chasing ' by reporting a {$0.00} Credit Limit on both accounts while they still carry significant balances. This creates a false 100 % + utilization rate on my credit profile, causing severe, artificial damage to my credit score and preventing me from securing outside financing to pay them off. I have attempted to resolve this directly with Chase via their Secure Message portal : On XXXX XXXX, 2026, a representative acknowledged the dispute and promised a settlement specialist would respond within 10 business days. They failed to respond. On XXXX XXXX, 2026, after I followed up, a representative provided a generic response and promised a review by a specific department within another XXXX business days. As of XXXX XXXX, 2026, that deadline has also passed with zero resolution or formal settlement offer provided. Chase is intentionally delaying this process while continuing to collect my monthly payments and tanking my credit profile with inaccurate reporting data. Desired Resolution : I request that Chase provide a formal, written lump-sum settlement offer for both accounts that reports the status as 'Paid in Full ' and completely deletes these two damaging tradelines from my credit bureau reports , or immediately restores the original credit limits so my utilization is calculated accurately. '' Final Checklist Before You Hit Submit :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Nelson and Kennard are attempting to collect on a debt that is a result of Identity Theft, on an account that I did not open, nor did I authorize to be opened. The original creditor has already acknowledged the Identity Theft and has removed the Tradelines from my credit profile. Dear XXXX XXXX XXXX XXXX Nelson & Kennard, I am writing to formally contest the debt you are attempting to collect regarding a XXXX XXXX XXXX XXXX account ending in XXXX. This debt is not valid as it is a direct result of identity theft. XXXX XXXX is fully aware of this identity theft and has already acknowledged that this account was opened fraudulently. I have attached correspondence from XXXX XXXX regarding the multiple accounts opened in my name, as well as a copy of my Identity Theft Report ( Reference Number : XXXX ). This debt is not mine ; I did not open this account, nor have I ever benefited from it. Furthermore, the original creditor was previously made aware of this through documentation from XXXX. Please be advised that I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your harassing letters and continued collection attempts. I hereby demand that you cease and desist from any further contact with me. If you continue to pursue this matter or contact me again, I will seek monetary damages as applicable by law. Sincerely, XXXX XXXX XXXX XXXX Account # XXXX Your reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and XXXX XXXX state laws, including the XXXX Consumer Fraud Act and the XXXX Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the XXXX XXXX statute of limitations , proof of an active XXXX debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( XXXX ), as well as XXXX XXXX laws prohibiting deceptive or unconscionable practices under XXXX. XXXX. Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and XXXX XXXX statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Security Credit Services XXXX XXXX XXXX XXXX are attempting to collect on a debt that is a result of Identity Theft, on an account that I did not open, nor did I authorize to be opened. The original creditor has already acknowledged the Identity Theft and has removed the Tradelines from my credit profile. Dear Security Credit Services XXXX XXXX XXXX XXXX, I am writing to formally contest the debt you are attempting to collect regarding a XXXX XXXX XXXX XXXX account ending in XXXX. This debt is not valid as it is a direct result of identity theft. XXXX XXXX is fully aware of this identity theft and has already acknowledged that this account was opened fraudulently. I have attached correspondence from XXXX XXXX regarding the multiple accounts opened in my name, as well as a copy of my Identity Theft Report ( Reference Number : XXXX ). This debt is not mine ; I did not open this account, nor have I ever benefited from it. Furthermore, the original creditor was previously made aware of this through documentation from XXXX Please be advised that I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your harassing letters and continued collection attempts. I hereby demand that you cease and desist from any further contact with me. If you continue to pursue this matter or contact me again, I will seek monetary damages as applicable by law. Sincerely, XXXX XXXX XXXX XXXX Account # XXXX Your reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: FL

Complaint narrative:
On XX/XX/XXXX, I was charged {$1000.00} by XXXX for a private accommodation. During my stay, a third party ( pest control ) entered my private accommodation without any prior notice, warning, or consent while my mother and I were away from the property, with our valuables left exposed and accessible to an unknown person. My mother had traveled from out of the country to visit me, and this incident made her deeply uncomfortable and left us both feeling unsafe we had no way of knowing if anyone would enter our space again during the remainder of our stay. When confronted, the host confirmed this was a routine annual scheduled practice confirming this was not an emergency of any kind. This is a direct violation of XXXX 's own published Community Policy under XXXX XXXX - XXXX XXXX ' ( XXXX ), which explicitly states : 'Hosts must obtain guest permission before accessing the listing or property during the reservation, unless there is an emergency. ' We were never asked for permission. Pest control is not an emergency. I escalated this with XXXX for XXXX weeks. Their own support team formally acknowledged the violation, apologized, and stated the host could be banned from the platform I have written documentation of this admission. Despite their own acknowledgment, XXXX denied my refund and closed my case. I then filed a dispute with American Express on [ date ]. It was denied. I resubmitted with substantial new documentation including XXXX 's exact violated policy, screenshots of XXXX 's written acknowledgment of the violation, and evidence that personal belongings including perfume were visibly disturbed upon our return we can not confirm nothing was stolen. American Express denied my dispute a second time with the exact same copy-pasted response, word for word, as the first denial. The response read : 'The merchant has advised that door was listing is a with a, Private room studio within a guesthouse private entrance, bathroom, and kitchenette and notes shared common areas and an ; there is no promise that staff will never enter. ' This incoherent, grammatically broken response was never updated to address any of the new evidence submitted, indicating this dispute was never properly reviewed by a qualified representative. Additionally, it was our private locked room, the specific accommodation we paid for, that was entered without consent. This distinction is critical and was never addressed by American Express in either denial. I have been a loyal American Express cardholder for 14 years. I am requesting a proper investigation of this dispute and a full refund of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I opened a BMO U.S. cross-border checking account with BMO Bank N.A. on or around XX/XX/year> because I bank with BMO XXXX and needed to transfer USD funds from my employer stock account. After the account was opened, I transferred approximately {$440.00} USD into the BMO U.S. account. Since then, I have not been able to properly access or transfer my funds. Many account features were unavailable or disabled. When I contacted BMO U.S. customer service, I was told I could not be helped because I was not verified. I was then told I would need to visit a BMO U.S. branch or submit a notarized identity/verification form, even though I live in XXXX and opened the account as a cross-border customer. I explained that I had already provided two pieces of photo ID during account opening and that this requirement was not clearly explained before the account was opened and funded. After several days of calls and branch visits, I went to a local BMO XXXXXXXX branch and had branch staff assist with verification over the phone with BMO U.S. My main purpose for opening the BMO U.S. account was to use BMO cross-border banking and transfer the funds to my BMO XXXX account. However, I was later told the feature to link the BMO U.S. account to BMO XXXX had been discontinued, even though this was the main reason I opened the account and the option still appeared in BMO XXXX online banking. BMO U.S. then advised me to wire the funds. At first, the wire option was not available in my online banking. After escalation, the wire option appeared, but when I attempted to wire the funds to my BMO XXXX account, the wire was cancelled with a reason related to a XXXX account. BMO XXXX has now told me that my XXXX personal account has no restrictions and that the issue must be resolved by BMO U.S. BMO U.S. has told me to contact BMO XXXX. I am being bounced between BMO U.S. and BMO XXXX while my funds remain inaccessible. I am requesting that BMO Bank. immediately provide a working method to transfer or return my funds, explain in writing why the wire was cancelled, confirm what verification is still required if any, refund any fees caused by this issue, and provide a written complaint/case number with a clear timeline for resolution.

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 2026-06-09 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: CA

Complaint narrative:
b'"I am filing an inclusive complaint against Capital One regarding account numbers ending in XXXX XXXX XXXX This profile is heavily impacted by a documented fraudulent merchant scam ring operating under the entities \'XXXX XXXX XXXX XXXX XXXX XXXX I authorized a payment of XXXX XXXX XXXX XXXX XXXX, for services that were never delivered, as this merchant turned out to be a completely fraudulent operation. Capital One was notified via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and again on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this merchant fraud.\n\nCrucially, the Washington State Attorney General (Case XXXX) has formally documented that correspondence sent to both XXXX XXXX XXXX XXXX XXXX XXXX was returned as completely undeliverable, confirming they are a deceptive ghost operation. Capital One has failed to execute a reasonable investigation into this merchant billing dispute. Instead, they closed the account as a charge-off and are continuing to report active, monthly derogatory marks into XXXX XXXX alongside a disputed balance of XXXX. I demand that Capital One recognize the AG\'s findings of merchant fraud, cease this toxic credit reporting, and delete this fraudulent tradeline immediately."'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a new complaint because Chase closed my prior CFPB complaint without addressing evidence that directly contradicts its findings. In its response, Chase stated that account ending in XXXX does not match any current or previous Chase account associated with me and that it is not sure where this account number came from. However, I obtained this account information directly from my Chase profile when I first contacted Chase regarding this issue. At that time, the account was visible within my Chase account, and I used the information displayed there when communicating with Chase. During the course of this dispute, the account was no longer visible in my Chase profile. Chase has not explained how I was able to obtain and provide account information directly from my Chase account if the account was never associated with me. Additionally, Chases response shifted responsibility to the referred cardholder and stated that I should confirm whether the referral link was used, whether the account was approved, and whether the account remained open. The referred account belongs to my parents, and I assisted them with the application process and have visibility into the relevant timeline. The central issue is that Chase has not reconciled the contradiction between its position that the account was never associated with me and the fact that the account information was visible within my Chase profile when I initially raised this dispute. I am seeking a review of the records associated with my Chase profile, including the account information that was visible when I first contacted Chase, and an explanation of how Chase determined that the account was never associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
ive been banking with capital one for 3 years and they are by far the WORST BANK ive ever had to deal with. they pick & choose when to accept my credit card payments. theyve refused my payment and sent it back claiming theirs was insufficient funds in the account but there wasnt. Capital one has done this to me multiple times resulting in my credit score dropping. i dont XXXX like that. my credit score means a lot to me and every single time it goes down, it has something to do with Capital one. i made a {$120.00} credit payment on XX/XX/XXXX 3 days later it gets sent back to me for insufficient funds. there wasnt {$400.00} in that account so how on earth was it insufficient? i tried that {$120.00} payment twice and Capital one sent it back both times claiming insufficient funds. The. Capital One closed my credit card for the XXXX time. i try to pay it again, {$50.00} payment, on the XXXX of XXXX. now theres only {$68.00} left in the account and Capital One finally ACCEPTED the payment. So now that the account is closed and i have barely any money, Capital one wants to accept my payment? because of that credit card account closure, my credit score has now dropped XXXX points and believe me im very XXXX XXXX. That is a money scam. if they were able to accept the {$50.00} payment then they shouldve been able to accept my {$120.00} payment that they returned TWICE! again there were available funds in my account each time i tried to pay so the insufficient funds email they sent me was a lie. Capital One seems to be purposely making it hard to build credit with this bank. this is the XXXX credit card ive had with them that theyve closed claiming insufficient funds but there was {$500.00} there!! they need to be investigated because i guarantee theyre purposely ruining peoples credit scores. XXXX bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I sent a request for account to be remained due to the account being fraudulent. I have No knowledge of this account. The only advice that was given from the company is to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: FL

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with non-monetary relief