vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this formal statement regarding Claim Number XXXX, related to a disputed transaction with the merchant eTickets for tickets to the XXXX XXXX XXXX. 
On Sunday, XX/XX/year>, I attempted to purchase three ( 3 ) General Admission tickets advertised at {$30.00} per ticket. I did not authorize, did not approve, and did not consent to a charge in the amount of {$370.00}. The only amount I authorized was {$90.00} plus any clearly disclosed and reasonable fees, which were not presented at checkout. 
Despite this, my Chase account was charged {$370.00}, an amount that was never authorized by me. 
I contacted Chase immediately on XX/XX/year>, at XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX to dispute and cancel the transaction. I was advised the charge was pending and that documentation could be submitted once the charge posted. 
That same day ( Sunday, XX/XX/year> ), I submitted all supporting documentation : By fax By email By uploading it through Chase systems On XX/XX/year>, I resubmitted the same documentation in person at a Chase branch.

Despite these multiple submissions through four different channels, I was repeatedly informed that Chase had not received any documentation, which is inaccurate and deeply concerning. 
The merchant refused to cancel the transaction and instead offered a partial refund of {$33.00}, which I never accepted, as I did not authorize the original charge amount. I personally visited the venue and confirmed posted prices showing General Admission tickets at {$30.00}. 
Charging {$370.00} for three General Admission tickets constitutes unauthorized billing, misrepresentation, and predatory pricing. 
Notwithstanding the extensive documentation submitted on XX/XX/XXXX and XX/XX/XXXX, the claim was closed on XX/XX/year>, without resolution, without provisional credit, and while Chase continued to state that no documentation had been received. As a direct result, my account became overdrawn. 
I respectfully request : Immediate reopening of this claim Issuance of provisional credit Written confirmation that all submitted documentation is attached and reviewed A detailed written explanation of how an unauthorized charge was deemed valid and why the claim was closed despite timely and repeated submission of evidence Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint regarding a U.S. Bank business account promotional bonus that was denied after multiple confirmations from bank employees that I had met all requirements. 

I opened a U.S. Bank business checking account in XXXX under a promotion requiring a {$25000.00} deposit to be maintained for 60 days and completion of required debit transactions in order to receive a {$1000.00} / {$1200.00} bonus. 

After the 60-day period was satisfied, I visited the branch in XXXX and spoke directly with the banker who opened my account. I was explicitly told that I had met the promotional requirements. The banker advised me to complete one additional transaction to be safe, which I did immediately in reliance on that advice. 

In late XXXX, I contacted U.S. Bank customer service to confirm the bonus status and was told to wait an additional two weeks and that the bonus would be paid in early XXXX. 

In XXXX, after the bonus was not paid, I contacted customer service again and was suddenly told that I was not eligible. No new information or explanation was provided to justify this reversal. 

When I returned to the branch for clarification, the banker redirected me to customer service and stated that the branch manager was on vacation until XXXX. No one was willing or able to provide a written explanation or take ownership of the decision. 

At no point prior to XXXX was I informed that I had failed to meet any promotional requirement. To the contrary, I received multiple confirmations from both branch staff and customer service that I qualified and that payment was forthcoming. I relied on these representations in good faith and maintained my funds accordingly. 

This appears to be an unfair and deceptive banking practice involving internal miscommunication or misinformation provided by U.S. Bank employees, resulting in financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding Midland Funding XXXX Midland Credit Management, who have been taking money from my paycheck every week without my knowledge or proper legal documentation. 
Deductions began on XX/XX/2026, at {$50.00} per paycheck, totaling {$100.00} withheld as of today. 
My XXXX department has not provided any court-issued income execution, case number, or notice of judgmentthey only have the company name and the amount to deduct. 
I have never received any summons, complaint, or court notice regarding this alleged debt. 
I am currently filing an emergency court action ( Order to Show Cause with Temporary Restraining Order ) in XXXX XXXX XXXX to stop these XXXX XXXX  and require Midland to provide proof of a valid court order. 

I am providing my XXXX showing the deductions as documentation. I have requested documentation from payroll but have not received it yet. 

I believe Midland is engaging in unlawful collection practices by XXXX my XXXX without proper court authorization. 

I am requesting that the CFPB : XXXX. Investigate Midland Funding XXXX Midland Credit Management for XXXXXXXX XXXX garnishment practices. 
XXXX. Require them to cease any further deductions until proper legal documentation is provided. 
XXXX. Assist in recovering the funds already deducted from my wages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Dear Federal Student Aid and MOHELA, I am writing to follow up on FSA Feedback Case # XXXX in light of a recent update from the Consumer Financial Protection Bureau. 
CFPB has formally notified me that MOHELA 's final response is now past due in connection with my CFPB complaint. To date, MOHELA has issued only form acknowledgment letters and has not provided any substantive response, qualifying payment count, or IDR Adjustment determination. 
Your XX/XX/XXXX letter did not address my XX/XX/XXXX Income-Based Repayment ( IBR ) application, which MOHELA denied, nor did it address the fact that MOHELA subsequently removed my uploaded IBR application from its portal. 
These omissions are material. 
Because IBR forgiveness remains lawful and my consolidation and repayment history fall squarely within the One-Time IDR Adjustment criteria, I respectfully request supervisory review and correction of my account, including confirmation of qualifying payment counts and eligibility for forgiveness. 
I have attached the CFPB correspondence confirming MOHELA 's overdue response for your records. For the record, I note that the Department of Education 's XX/XX/XXXX correspondence failed to address my XX/XX/XXXX Income-Based Repayment ( IBR ) application and relied on an incorrect requirement that I be currently enrolled in an IDR plan, which is not required under the One-Time IDR Account Adjustment. 
I appreciate CFPB 's continued monitoring given the servicer 's nonresponse and the conflicting agency communications. DOE 's denial rests on one faulty premise : " Your account is not being repaid on an IDR plan. '' That statement is irrelevant and incorrect under IDR Adjustment rules, because : * IDR Adjustment does not require current IDR enrollment * Payment counts are credited retroactively * Forgiveness eligibility is based on time accrued, not plan status * You did submit IBR applications ( XX/XX/XXXX and XX/XX/XXXX ) They also : * Ignored your XX/XX/XXXX IBR application * Ignored MOHELA 's XX/XX/XXXX IBR denial * Ignored that MOHELA erased your uploaded application * Relied on SAVE-injunction language that does not apply to IBR That makes the response procedurally defective. 
Follow-Up : FSA Case # XXXX -- CFPB Final Response Past Due / IBR Application Ignored * You consolidated before XX/XX/XXXX * Your consolidation disbursed before XXXX XXXX, XXXX Page XXXX of XXXX Dear Federal Student Aid, XX/XX/XXXX, XXXX XXXX * You are within the population covered by the IDR One-Time Adjustment * IBR forgiveness is still lawful and not paused * PAYE/SAVE/ICR payments count toward IBR forgiveness once an IBR application is submitted These are concessions, not disputes. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX as I tried again to file disputes with Chime on several transactions for a XXXX membership I do not have. Repeatedly Chime has denied to start the disputes and will not allow me to dispute these transactions online. I have verified with XXXX this is not a transactions they have charged to my account with them. This is verified through billing statement and recorded call. XXXX does not show any records of a charge for {$9.00} using any debit cards attached to my checking account. In addition XXXX states their XXXX XXXX membership is a monthly charge ; you will find there are several charges within days of each other and sometimes say date. 
Merchant : XXXX XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00} XX/XX/XXXX Amount {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding Chases handling of my credit card dispute for emergency medical services obtained abroad for my minor child. 

On XX/XX/year>, my XXXX XXXX XXXX daughter experienced a medical emergency while traveling. Emergency ambulance transport and hospital services were required. The charges were presented without advance price disclosure and under medical duress. I had no opportunity to negotiate or decline services. Payment was required immediately as a condition of care. 

I filed disputes with Chase for these charges. The merchants provided documentation stating I signed financial responsibility forms. However, these forms were obtained during an emergency medical situation without prior price disclosure and do not constitute informed consent. Chase informed me they would deny the dispute solely because services were rendered and a form was signed, without considering the emergency circumstances, lack of price transparency, or potential unfair or deceptive practices. 

Chase has stated that they can not pursue the dispute unless the merchant admits billing error, which is unrealistic and shifts all burden to the consumer. I believe Chase failed to conduct a reasonable investigation and failed to consider that consent obtained during a medical emergency without price disclosure is not meaningful or informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Dear Federal Student Aid, I am writing to follow up on FSA Feedback Case XXXX XXXXXXXX in light of a recent update from the Consumer Financial Protection Bureau. 
CFPB has formally notified me that XXXX XXXX  final response is now past due in connection with my CFPB complaint. To date, XXXX  has issued only form acknowledgment letters and has not provided any substantive response, qualifying payment count, or XXXX XXXX determination. 
Your XX/XX/XXXX letter did not address my XX/XX/XXXX Income-Based Repayment ( IBR ) application, which XXXX denied, nor did it address the fact that XXXX subsequently removed my uploaded IBR application from its portal.

These omissions are material. 
Because XXXX forgiveness remains lawful and my consolidation and repayment history fall squarely within the One-Time XXXX Adjustment criteria, I respectfully request supervisory review and correction of my account, including confirmation of qualifying payment counts and eligibility for forgiveness. 
I have attached the CFPB correspondence confirming XXXX XXXX overdue response for your records. For the record, I note that the Department of Education 's XX/XX/XXXX correspondence failed to address my XX/XX/XXXX Income-Based Repayment ( IBR ) application and relied on an incorrect requirement that I be currently enrolled in an XXXX plan, which is not required under the One-Time IDR Account Adjustment. 
I appreciate CFPB 's continued monitoring given the servicer 's nonresponse and the conflicting agency communications. DOE 's denial rests on one faulty premise : " Your account is not being repaid on an IDR plan. '' That statement is irrelevant and incorrect under IDR Adjustment rules, because XXXX XXXX  IDR Adjustment does not require current IDR enrollment XXXX Payment counts are credited retroactively XXXX Forgiveness eligibility is based on time accrued, not plan status XXXX You did submit XXXX applications ( XX/XX/XXXX and XX/XX/XXXX ) They also : XXXX Ignored your XX/XX/XXXX XXXX application XXXX Ignored XXXXXXXX XXXX XX/XX/XXXX XXXX denial XXXX  Ignored that XXXX erased your uploaded application XXXX  Relied on SAVE-injunction language that does not apply to XXXX That makes the response procedurally defective. 
Follow-Up : FSA Case XXXX XXXX XXXX CFPB Final Response Past Due / IBR Application XXXX * You consolidated before XX/XX/XXXXXXXX XXXX  Your consolidation disbursed before XXXX XXXX, XXXX Page XXXX of XXXX Dear Federal Student Aid, XX/XX/XXXX, XXXXXXXX XXXX XXXX  You are within the population covered by the XXXX One-Time Adjustment XXXX XXXXXXXX forgiveness is still lawful and not paused XXXX XXXX payments count toward XXXX forgiveness once an XXXX  application is submitted These are concessions, not disputes. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: ID

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding SoFi Banks handling of the closure of my checking account and the delayed return of my remaining funds. 

SoFi Bank has informed me that my account will be closed and that my remaining balance will be returned to me via cashiers check. However, SoFi has stated that the account may remain open for up to two weeks before it is officially closed, and that only after closure will a check be issued. During this time, I have no access to my funds. 

These funds are undisputed, are solely in my name, and are not subject to any court order, XXXX, or law enforcement hold. Despite this, SoFi has refused to provide any meaningful assistance, timeline certainty, or interim access to my money. This delay has caused immediate financial hardship, preventing me from paying current living and business expenses.

I understand that SoFi has the right to close accounts at its discretion. However, I believe that holding my funds for an extended and undefined period after a closure decisionwithout providing access or promptly issuing paymentis unreasonable and harmful. The lack of transparency and refusal to offer any accommodation has left me without the ability to meet basic financial obligations. 

I am requesting that SoFi Bank be required to : Promptly issue the cashiers check for my remaining balance without unnecessary delay, and Provide clear confirmation of the exact amount, mailing date, and delivery method of the returned funds. 

Thank you for your attention to this matter. I am seeking only the timely return of my own funds so that I may meet my financial obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my debit card was stolen and used without my authorization to purchase {$1000.00} in XXXX gift cards. I did not authorize the transaction, did not have possession of my card at the time, and received no benefit from the purchase. 

I reported the theft and unauthorized transaction to USAA promptly and filed a police report. Law enforcement reviewed the incident and confirmed that video evidence exists showing a suspect attempting multiple stolen credit and debit cards at the register before completing the transaction. I do not have direct access to the video because it is part of a law enforcement investigation. 

USAA denied my dispute, stating there was no evidence of account or debit card compromise based on online logs and account activity. USAA did not provide evidence that I authorized the transaction or that it does not meet the definition of an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation E ). 

I appealed the denial in writing and explained that the use of chip technology does not establish authorization, but USAA maintained its denial and closed the investigation. 

I am requesting that USAA reverse its decision and reimburse the unauthorized debit card transaction in accordance with Regulation E.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc.
State: WI

Complaint narrative:
No response from letters and calls and I did not authorize any of this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NV

Complaint narrative:
I am submitting this complaint regarding a collection account that has been reported on my credit report. I have made multiple attempts to contact the creditor/collection agency to verify the debt and discuss resolution, but I have not been able to obtain adequate information or meaningful communication. 

At this time, I am formally requesting full verification of this debt. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to conduct a reasonable investigation when a debt is disputed and ensure the information they report is accurate and verifiable. Additionally, 15 U.S.C. 1681i ( a ) requires reinvestigation of disputed information, and 1681e ( b ) requires maximum possible accuracy in credit reporting.

As part of proper verification, I am requesting documentation sufficient to substantiate the debt, including : Evidence of the original obligation or account Documentation showing I am legally responsible for the debt Any agreement, contract, or documentation bearing my signature or other competent evidence tying me to this obligation A clear accounting of the amount claimed, including fees or interest Confirmation that the information being reported to the credit bureaus is accurate and complete If this debt can not be properly verified or documented, I request that the account be corrected or removed from my credit reports to prevent continued negative impact based on potentially inaccurate or unverified information. 

I am willing to address legitimate obligations in good faith ; however, I need proper validation, transparency, and accurate reporting in order to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Via CFPB XXXX and XXXX Mail Re : CFPB Case # XXXX Demand for Immediate Deletion of Unverified and Non-Responsive Collection Account To Whom It May Concern, I am submitting this formal demand for immediate deletion of the above-referenced collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX  XXXX due to clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/XXXX, I filed a formal dispute through the Consumer Financial Protection Bureau regarding this account. As of today, the collection agency has failed to respond to the CFPB complaint and has not provided any verification or substantiation of the alleged debt. It has now been well beyond the required XXXX investigation period and the extended XXXX maximum response timeframe permitted under federal law. 
Legal Basis for Immediate Removal Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable investigation of disputed information within XXXX  days. If the furnisher of information fails to verify the accuracy of the account within this statutory timeframe, the information must be deleted from the consumers credit file. 
Further, under 15 U.S.C. 1681s-2 ( b ), once notified of a dispute, the furnisher of information must investigate and report verified results back to the credit reporting agencies. Failure to do so renders the continued reporting of the account unlawful. 
Additionally, pursuant to 15 U.S.C. 1692e ( 8 ) of the FDCPA, it is a violation of federal law for a debt collector to continue reporting information that is disputed and can not be verified. 
Because the collection agency has failed to respond, verify, and substantiate the alleged debt within the legally mandated timeframe, the account is now considered unverified and legally unverifiable. Continued reporting constitutes willful noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief