vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In early XXXX, I disputed an alleged Comenity/ULTA account that Midland Credit Management was reporting on my credit file. Shortly afterward, Midland removed the tradeline, suggesting they could not verify the debt at that time.

Despite this removal, Midland later resumed collection activity without first providing proper validation. On XX/XX/XXXX, I mailed a written Cease and Desist and Validation Request under 15 U.S.C. 1692g ( b ) and Cal. Civ. Code 1788.17. Midland responded with a letter dated XX/XX/XXXX, which I did not receive until XX/XX/XXXX. 

The response included partial documentation account statements and summary data but did not include a signed contract, full accounting, or chain of title, as required for proper validation. These are essential to prove both the legitimacy and enforceability of the alleged debt. 

On XX/XX/XXXX, I mailed a formal rebuttal reiterating my demand for full validation. It was received by XXXX on XX/XX/XXXX. As of XX/XX/XXXX, no further response has been received. 

This pattern removing the tradeline, resuming collection, and continuing to avoid proper validation raises significant concerns under the FDCPA and FCRA. It appears to reflect deceptive collection practices, improper recordkeeping, and a failure to comply with basic consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: TX

Complaint narrative:
I was an Apple Card customer issued by Goldman Sachs. In early XXXX, I noticed a charge on my account for a XXXX XXXX membership for {$560.00} that I did not authorize. I contacted Apple Card support and explained my position and they put it into dispute investigation. I was fully confident that that would be it. two month later, I get notification of the charge dispute being denied and it was put back on my account. This happened for another five times with months in between dispute and response. Each time they denied, I requested evidence of their ruling. I wanted them to prove that it was a legitimate charge and they couldn't but would always deny my dispute. Each time, they would ask for the exact same information as if they didn't see the multple attempts I'd made to dispute this charge over four years. 

I was so frustrated by their lack of action that in late XXXX, I asked that they close the account due to poor service and protection of their customers. They didn't seem to care. 

Last month, they denied my dispute once again without any requested evidence. Even the rep for Apple Card said unwittingly that he sees that the merchant credited the charge twice over the past two years then seemed to catch his mistake and then said, he didn't know why it wasn't cleared so he would check into it. I've gotten no further response and they refuse to engage me in further conversation. The disputed amount remains unpaid and they are threatening to report to credit bureaus. I've been unable to get any action on a clear fraudulent charge on my account that they refuse to investigate and I'm in need of outside help if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am a long-standing Chase customer with five active accounts. I am filing this complaint because Chase provided inaccurate account information in writing, which caused the forfeiture of a major earned travel benefit ( XXXX XXXX XXXX ). 

The Issue : On XX/XX/XXXX, I opened a Southwest Business Premier card. On XX/XX/XXXX, I made a large purchase. On XX/XX/XXXX, I used the Chase Business Portal to send a secure message inquiring about my statement closing date. I needed to ensure that my statement and sign-up bonus points would post in the XXXX calendar year to qualify for the XXXX Companion Pass. At the time I inquired about the statement closing date, it was not automatically showing in the portal yet, which was why I sent a message.

A Chase representative responded in writing ( Message attached ) stating : 'Your next upcoming closing date is XX/XX/XXXX. ' Relying on this official written guarantee from the bank, I did not return or cancel the large purchase that triggered my XXXX sign-up bonus. To reiterate, I was in the Chase Business portal specifically managing my Business Premier card. This message only appears in my business portal, which has a completely separate log in from the personal card ; I was not inquiring about my personal card.

The Service Failure : Despite the agent 's written promise of a XX/XX/XXXX date, Chase closed my statement early on XX/XX/XXXX, XXXX 17 days into the billing cycle. This caused XXXX points to post in the XXXX calendar year instead of XXXX, effectively disqualifying me from the Companion Pass benefit for the next two years. This is a direct case of detrimental reliance on inaccurate bank documentation. 

Attempted Resolution : I contacted Chase via phone and was told the system is 'automated ' and that they could not manually adjust the points or honor the date their agent provided in writing. This response is unacceptable given that the error lies entirely with Chases documented misinformation. I am requesting a manual adjustment to my XXXX balance to restore the benefit I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of unauthorized electronic withdrawals totaling over {$2200.00}. The transactions are labeled XXXX XXXX / XXXX. 

Bank of America initially credited the funds, then reversed the credit based on merchant claims of authorization, which I dispute. I did not authorize these transactions. 

The bank has reopened the dispute under Claim No. XXXX but I am requesting CFPB review to ensure Bank of America conducts a proper and independent investigation in compliance with the Electronic Fund Transfer Act ( Regulation E ) and restores the funds absent conclusive proof of authorization.

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 2026-01-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I enrolled in a debt management plan ( DMP ) with XXXX XXXX XXXX ( XXXX ) in XX/XX/year>, which Synchrony Bank accepted. The account had a XXXX promotional interest-free period that ended in XX/XX/year>. 

When the promotion ended, Synchrony applied {$250.00} in deferred interest. I contacted Synchrony to request a goodwill or hardship review, as the XXXX was accepted prior to the promotion ending and I made payments in good faith prior to the DMP and during. 

During the chat, I was transferred to a specialist who stated the deferred interest could not be reversed. The representatives tone was dismissive and unprofessional, and I was told there was no reference number or documentation available for the chat review.

I am submitting this complaint to request review of Synchronys handling of deferred interest for consumers enrolled in DMPs and to document concerns regarding customer service professionalism during hardship-related inquiries. Also to honor agreements with DMP companies.

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 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I am filing this complaint because I attempted in good faith to make a mortgage payment and Rocket Mortgage refused to accept it. 

On XX/XX/2026, I attempted multiple times to make my XXXX mortgage payment through Rocket Mortgages online system, the automated phone system, and with live representatives. In each instance, my payment was not accepted, despite my ability and willingness to pay.

To be clear, I was not disputing the balance, requesting forgiveness, or attempting to avoid responsibility. All I was trying to do was make a payment. I attempted to pay the current months payment during the grace period, but the system and representatives blocked the payment and refused to authorize acceptance of a one-time payment. 

I repeatedly requested to speak with a supervisor and requested written documentation of the policy being used to refuse payment. Although representatives stated the policy was already in writing, no written policy or loan-document provision was provided despite repeated requests. 

I disclosed that I have a XXXX and requested reasonable accommodation to assist with communication and payment processing. No accommodation was provided. Instead, I was repeatedly told I could not make a payment and was denied assistance. 

My home is in the process of being sold and has substantial equity, and there was no risk of loss to the servicer. Nevertheless, Rocket Mortgage continued to refuse payment and escalated rather than assisting. 

The refusal to accept payment and the manner in which this was handled caused significant distress. 

I request that Rocket Mortgage acknowledge and document my good-faith payment attempts, provide a written explanation of the policy used to refuse payment, address the failure to accommodate my XXXX, correct servicing practices that prevent borrowers from making payments, and contact me in writing to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint regarding an unauthorized wire transfer for {$13000.00} that Bank of America has denied twice. 

This wire resulted from an account takeover and device compromise. I did not knowingly authorize or intend to send a wire transfer and did not benefit from it. 

This was my first wire ever, sent to a new recipient, for a large amount, and it was reported the next day upon discovery. These are multiple high-risk indicators that should have triggered enhanced verification and safeguards. 

Bank of America is asserting authorization based solely on entry of a verification code. However, the verification message did not disclose that entering the code would initiate an irreversible wire transfer. 

Authorization requires clear, informed consent, not mere code entry. Bank of America failed to provide adequate disclosure, failed to establish intent, and failed to reasonably investigate this claim. 

I am requesting supervisory and executive review and reimbursement of the unauthorized wire transfer.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I sent a request to Chase bank for the XXXX dollars sent to them by me from XXXX XXXX  on ticket XXXX and they have not sent after the receipt of a email sent to Chase bank by recipient authorization them to debit his account for XXXX dollars an wire the money back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my TransUnion credit report. 

Charged-Off / Collection Accounts XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX / XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX / XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX Late Payments XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX  XXXX  Acct # 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Case ID : XXXX XXXX XXXX Amount of {$180.00} Robinhood originally closed my account after buying crypto but for no apparent reason XX/XX/year> a check was sent out and they let me know it would arrive in 2-3 weeks its currently XX/XX/XXXX and I havent recieved anything. I reach out with little to no response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I deposited XXXX into my account and the next day it was gone. This is a shady company and I believe the employee s at the bank are stealing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
The company is attempting to collect and/or report a debt that arose from an account allegedly opened when I was under the age of XXXX. Any contract entered into by a minor is void or unenforceable. The original creditor has confirmed the account was sold and is no longer reporting it. Despite this, the debt buyer continues to possess, use, or disclose my personal information without a valid, enforceable obligation or permissible purpose. I have disputed the account and requested validation, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IA

Complaint narrative:
My debit cards info and my cell phone were used by a person I thought was a friend they took this information and used it over a few months. I'm not exactly sure how much was taken. They moved a lot around from account to account. Before removing to theirs in several instances for cash app they requested that I verify my identity where I could not since that the verify ur identity section was already filed they said they were closing my account if it were not verified by a certain date. I tried to post my id along with me having a pic taken with me the holding said id yet they still shut down my account. I filed several disputes against the person that used my info in a few of those instances they returned my money she stole back to her cuz she counter disputed. I was in customer service chat and on phone several times to no avail. I did file a dispute with a lot of transactions because I wasn't getting anywhere with them n I messaged them the case that several may be mine. They said they understand and will deal with they then asked me to verify id as I said I could not there was nowhere for me to that was cash app...... 

XXXX  same occurrence my info was stolen along with phone several transactions were this XXXX XXXX moving money from one of my accounts to another n taking it out at some point. XXXX  was slightly more reasonable but still shut down my account I did the same thing n filed a dispute on everything I could alerting them that some of those were mine. Like cash app they were lazy and just closed my account instead of doing the work they were trying to make me do...... 

XXXX. They froze my account currently locked out and have closed my card down. For the same reasons as above. 

The other 2 bank apps n or finance apps. Did extremely well helped me n returned any money lost None of there's apps communicated to each other 2 of em are owned by the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was charged XX/XX/XXXX for a XXXX XXXX membership when I shouldn't have been charged for the membership due to having a Synchrony XXXX XXXX  credit card. That was Synchrony 's scam to get you to get the card. However, XXXX charged me for the Pro membership. They didn't just charge me once, they charged me twice. Once through my personal checking account and again through my Synchrony credit card. I have the bank statement showing the charge for the membership. I contacted Synchrony and XXXX XX/XX/XXXX and XX/XX/XXXX to correct the error. XXXX didn't show an order for my membership fee charge from my bank but one from Synchrony. I told XXXX I have a bank statement showing I was charged. I was told to contact Synchrony Bank. I did contact Synchrony Bank. That was horrible customer service as expected since I have always received bad customer service with Synchrony Bank. I chatted with Synchrony and told them I have a bank statement showing the charge, and that I was supposed to get a free membership for having their credit card. Synchrony Bank told me they can't help me and to contact XXXX. I did this up until XXXX of XXXX. Now once my payments are late all of a sudden Synchrony Bank wants to talk. Again I was told they can't do anything about it and it was XXXX who needed to correct it. However, it is Synchrony 's credit card not XXXX credit card. So Synchrony Bank has harmed my credit and has refused to remove their false information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, I made three separate {$10000.00} ACH deposits ( total {$30000.00} ) from my linked bank account to my Coinbase account. The funds were credited immediately, and I used them to purchase XXXX cryptocurrency. 
On XX/XX/XXXX, Coinbase notified me that my bank had reversed one of the {$10000.00} deposits. In response, Coinbase automatically sold approximately {$10000.00} worth of my XXXX XXXX to cover the reversal and adjust my account balance. 
Around XX/XX/XXXX ( before the reversal notification ), I had initiated a dispute with my bank regarding the deposits. On XX/XX/XXXX, my bank returned the reversed {$10000.00} to my bank account. 
However, on XX/XX/XXXX, Coinbase automatically sold another approximately {$10000.00} worth of my XXXX XXXX and adjusted my account balance again, even though the funds had already been returned to my bank. 
As a result, I am now missing the equivalent of one {$10000.00} deposit in my Coinbase account ( the second sale removed value that should not have been debited twice ). I opened a dispute with Coinbase support about this double adjustment, provided details of the timeline and bank return, but the dispute was denied without a clear explanation. 
I believe this double liquidation of my assets was an error on Coinbase 's part due to the timing of the bank return and their reversal process. 
I want Coinbase to restore the value of the second {$10000.00} worth of XXXX that was incorrectly sold ( or credit the equivalent USD amount based on the sale price or current value ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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