vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My Chase credit card was recently closed without clear explanation. I was not given prior notice or a detailed reason for the closure. 
I have tried to contact the bank to understand what happened, but I have not received a satisfactory explanation. 
This situation has negatively affected my finances and credit. I would like a clear explanation for why my account was closed and whether anything can be done to resolve this issue. 
I had a Chase Sapphire credit card with a {$25000.00} limit. Later, Chase offered me a XXXX credit card and told me I was pre-approved with a {$19000.00} limit. After I accepted the new card, Chase closed my account, saying I had too many credit accounts with other banks. 
I was not clearly warned that accepting the new card could result in my account being closed. This decision has negatively affected my credit and finances. I would like a clear explanation and a review of this decision. I have never missed or made a late payment on any of my accounts, and I have always maintained a strong credit profile. Closing my accounts in this way feels unfair and has seriously damaged my XXXX XXXX. If I had known this could happen, I would not have accepted the new credit card offer. If any action needed to be taken, Chase could have closed only the newly opened credit card, but closing all of my credit cards is unacceptable and has caused significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
I sent money to what I thought to be a reputable business based on social media and XXXX reviews. After the transaction was complete Inwas sent an address to a wrong location. I called several times and text but it went unanswered. I went to dispute the transaction with cashapp, they had no immediate resolutions and told me I would have to wait 10 days for a dispute to go through. Offered no assistance but a repeat of dispute policy and no upper management to transfer who could expedite the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I have contacted Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my two overpayments of {$240.00} and {$350.00}, which is a total of {$590.00} that I should be receiving back. I have been told various timeframes of when to expect it, it was processed XX/XX/XXXX they claim and I have not received anything. I have asked for an audit, a payment trace and nothing has been done. I think this is absurd to have waited 5 months to get my overpayment.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was being pressed to pay a sum with a company I had no business with. They want me to answer questions they should have known if they were not an imposter I request a copy of my signature with the contract attach to it they didnt provided I've been harassed by their lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/year>, a {$51.00} debit card transaction was posted to my checking account for a pickup food order placed through XXXX XXXX. I did not receive the goods. I never retrieved the order, and no authorized person retrieved it on my behalf. 

I attempted to contact the merchant through the app and customer support, but was unable to obtain assistance or a resolution. Because the goods were never received, I contacted Chase Bank and filed a dispute for non-receipt. 

Chase issued a provisional credit and later reversed it, citing that the merchant had followed its internal policy. However, I was never provided documentation showing that I picked up or received the order. I specifically requested proof that the goods were transferred to me, such as pickup confirmation, signature, or verification, and none has been provided. 

This is not a claim for an unauthorized transaction. The payment was authorized contingent upon receiving the goods. The goods were never delivered or transferred to me. Under debit card error resolution rules, a charge for goods not received is a billing error. 

Chase has stated the case is closed and that nothing further can be done. I am requesting that the bank conduct a proper reinvestigation and provide the documentation relied upon in denying my dispute, or credit the amount back to my account. 

I believe the bank did not reasonably investigate whether I received the merchandise and relied only on the merchants statement rather than proof of receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am being sued by American Express XXXX XXXX XXXX over a legitimate debt. It appears XXXX  files hundreds, if not thousands, of lawsuits against cardmembers each month. The cardmember agreement contains the following provision : Sending a Claim Notice : Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice ( a claim notice ) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally through mediation. 

Does XXXX ever give the cardmember the opportunity to resolve the claim informally or through mediation before filing a lawsuit? Seldom, if ever, more like never. They certainly did not give my wife, XXXX, an opportunity. When the lawsuit is filed, the cardmembers balance and other personal information becomes public through the publication of the information via the court website and public records contained therein following the breach of the agreement by XXXX 

This appears to have been going on for years. You can see evidence of this as far back as XXXX  in American Express National Bank v. XXXX XXXX and Z Trim , Inc. in XXXX XXXX, Florida and the appeal which ensued ( Fla. 4th DCA # 4D21-46 ). When these lawsuits are filed without allowing the debtor to resolve the claim informally, the attorney fees and court costs attach to the claim which usually results in several thousand more dollars of debt. Any type of judgment, default or otherwise, will attach to property owned by the debtor or possibly wage garnishment, etc. 

Id like for you to examine the possibility of an action to determine if the CFPB or the Department of Justice could pursue this on behalf of myself and those similarly situated. Pick the docket in any county of any state and search XXXXXXXX and youll see exactly what I am talking about. I am guessing 99 % of the Defendants do not read the creditors agreement and do not answer the lawsuit which results in a default judgement, the other 1 % answer with identity theft of some other defense. There are potentially millions of dollars in attorney fees and court costs which are assessed against defendants every year simply due to American Express breaching the very agreement they drew up. This appears to be a fraudulent scam perpetrated by the lawyers who are going to eventually get their fee if the defendant owns any real property or is gainfully employed. 

I would very much appreciate your acknowledging the receipt of this as a formal complaint against American Express XXXX XXXX and its affiliates. Thank you for your attention to this matter and I do look forward to your reply. 

This matter has been previously sent via e-mail to Interim Director XXXX XXXX, U.S. Attorney XXXX XXXX, and XXXX XXXX XXXX with the USDOJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding an auto loan originated through XXXX XXXX XXXX and assigned to Credit Acceptance Corporation. 

On XX/XX/year>, I purchased a used vehicle for a total sales price of {$30000.00}. The dealership advertised and represented that the vehicle was thoroughly inspected and had no mechanical problems. 

Within eight ( 8 ) days of purchase, on XX/XX/year>, the vehicle developed serious transmission slipping and braking defects. A licensed repair facility provided a written repair estimate of {$12000.00}. These defects were pre-existing and not disclosed at the time of sale. 

I formally disputed this matter with both the dealer and Credit Acceptance. Despite notice of dispute, Credit Acceptance has continued servicing the account without providing documentation of a reasonable investigation and without confirming suspension of enforcement activity. 

Pursuant to the FTC Holder Rule ( 16 C.F.R. 433.2 ), Credit Acceptance is subject to all claims and defenses I have against the dealer. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any reporting must reflect that the account is disputed.

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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
A fraudulent transaction was made on my checking account at Santander XXXX. I was told the money would be put back in my checking account by XX/XX/year> at XXXX. As of this morning XX/XX/year> the money is not in my account. Santander XXXX blocked my checking account without my knowledge or permission so I can not access my money and my automatic payments will not be paid out which means I will have late fees due to the bank.

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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am filing a complaint against Santander Bank. 

My bank account was blocked and later closed about XXXX months ago. 
There is a remaining balance of approximately {$860.00} that belongs to me, and the bank has not returned my funds. 

I reported certain checks because I did not recognize their origin and I fully cooperated with the bank. I never authorized any fraudulent activity. 

I have contacted Santander multiple times and visited the branch, but I have not received a clear explanation or my money. 

I am requesting that Santander return my remaining balance and provide a written explanation for the account closure.

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 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint regarding repeated improper closure of a debit card dispute under Regulation XXXX. 

On [ DATE ], I was charged {$330.00} by XXXX XXXX XXXX for a vehicle rental. I authorized the transaction ; however, the service was never provided. The merchant admitted in writing that the vehicle was not working due to a computer issue and that no replacement vehicle was available. They guaranteed a refund. 

Over XXXX  days later, no refund has been issued. 

I submitted written proof to Chime showing : Merchant admission that the vehicle could not be provided Confirmation no alternative vehicle was available Guarantee of a refund Continued non-response from the merchant Despite this evidence, Chime has now closed my dispute XXXX times with the explanation no error found. 

This dispute is for services not rendered, not fraud. The funds were fully withdrawn from my account. I am requesting proper investigation and compliance with Regulation XXXX dispute requirements. 

I am seeking immediate provisional credit or permanent credit for the {$330.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The appraiser sent by the company undervalued my home. I believe this can be due to the fact that my family is XXXX XXXX and also to justify a higher interest rate on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc.
State: TX

Complaint narrative:
unaware of account nor have acknowledgment ... reporting inaccurate information... fraud account reporting

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 2026-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: GA

Complaint narrative:
On XX/XX/XXXX Global lending services repossessed my vehicle in the early morning hours due to me losing my job in XXXX. I reached out to the company on XX/XX/XXXX to inquire where the vehicle was and how much i needed to pay to get my vehicle back as i just started working. They advised the XXXX locators and recovery had the vehicle in there lot and i would need to pay {$2700.00}. I paid {$2800.00} on XX/XX/XXXX and my friend took me to pick up my vehicle. When we got to the Lot the lady working up front had me pay {$290.00} to retrieve the vehicle from there Lot. I paid and signed a paper. Then a man came over and walked me to where my vehicle was. I walked around my vehicle saw the damages on the passenger side bumper and wheel molding. I told me friend and i called the lady from XXXX XXXX  and advised her that it was damage to my car and she instructed me to contact my lender. I called global lending services on XX/XX/XXXX and opened a claim for the damages to my vehicle & provided images. ( I just want to reiterate that i purchased my vehicle on XX/XX/XXXX brand new ). On XX/XX/XXXX i called global lending to inquire on the claim i opened and they advised i had to also open a clam with loss prevention. I called loss prevention and opened a claim on XX/XX/XXXX. They advised i needed to provide a statement of what happened and 2 different estimates on the damages, as well as images of the damages. I emailed all the required documentation on XX/XX/XXXX and on XX/XX/XXXX they emailed me back and said that theyre not liable for the damages as there isnt enough evidence to prove they damaged my vehicle. They also stated that XXXX locators and recovery went on record and said they picked the vehicle up and brought to the lot with no damage. They also stated i signed a paper stating no damages on vehicle but the only paper i signed was when i paid for my vehicle nothing after i got the vehicle. My car had no damages prior to this as i stated, i purchased my vehicle brand new, meaning no damages on my car not even a scratch! I find this breach of peace unacceptable. I called XXXX on XX/XX/XXXX and spoke to a manager, i let them know this was absolutely absurd as my car had no damages and now they trying to decline fixing my vehicle after they made the damages! She advised me that XXXX would reach out to me and see what they can do but as of XX/XX/XXXX noone has reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX Last 4 SSN XXXX Company : Affirm , Inc . 
Issue : Credit reporting Desired resolution : Complete removal of late payment notations or deletion of the tradeline ( s ) -- - Statement I am submitting this complaint to request a full goodwill removal of the late payment notations associated with several closed Affirm accounts, or alternatively, complete deletion of the tradeline ( s ) from my credit report.

I want to be clear that I am not disputing the factual accuracy of the late payments. The delinquencies did occur during a brief period of financial hardship. However, the balances involved were small, the accounts are closed, and the circumstances that led to the delinquencies have since been resolved.

At this time, the continued reporting of these late payment markersparticularly the 60 and 90day late designationsis causing ongoing and disproportionate harm, especially within older mortgage credit scoring models, despite the accounts no longer being active and involving minimal dollar amounts.

I am not requesting a reduction of late payments ( such as converting 90day lates to 30day lates ). I am specifically requesting one of the following goodwill remedies : Complete removal of all late payment notations, or Full deletion of the affected tradeline ( s ) from my credit report I am seeking this as a onetime goodwill adjustment, not as a correction of inaccurate reporting. Since the accounts are closed and no longer represent current risk, I respectfully ask Affirm to exercise its discretion to eliminate the negative reporting rather than continue to penalize resolved, historical events.

I am actively working toward qualifying for a mortgage, and these isolated late payment entriesdespite being tied to closed, lowbalance accountsare creating a persistent barrier to homeownership. I am requesting that Affirm review this matter at a supervisory or executive level and consider granting full relief as outlined above. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: Nationwide Capital Services, LLC
State: IL

Complaint narrative:
XXXX from Structured Settlement likes to call my phone number daily to collect on XXXX oil he claims I bought in XXXX or XXXX from a company that doesnt exist or even have a website. I dont even use XXXX oil. Its not something I would order and if it came in the mail it was likely tossed or sent back to them. Their number is XXXX. They are rude when they call and threaten to sue me. Theyve also callled my XXXX XXXX XXXX father. Please make them stop. Ive asked them over XXXX times to stop calling me. Yet they call daily.

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 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am now aware of this debt ; however, it was charged off in 2017. As a Texas resident, the statute of limitations for collecting or suing on a debt is four years. This appears to be an attempt to re-age the account, and I am requesting that it be removed from my credit reports.

Company response to consumer: Closed with explanation