vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
During the COVID-19 period in XXXX and XXXX, I experienced temporary financial hardship and fell behind on several Chase credit card payments. Those late payments were reported accurately at the time. Since recovering from that hardship period, I have maintained several years of consistent on-time payments and responsible account management across my accounts. My three Chase accounts remain active and in good standing, and my overall credit profile has significantly improved since the COVID period. Because these late payments were isolated to a temporary and extraordinary hardship period during the pandemic, I contacted Chase directly and respectfully requested a goodwill review and reconsideration of the late payment reporting. I submitted written requests to both Chase Card Services and the Chase Executive Office and received a phone call from Chase to discuss the matter and the representative explained that they must report accurate information according to the Fair Credit reporting act and can not make any changes in goodwill. The Chase informed me that they would not provide any goodwill adjustment or reconsideration regarding these COVID-era late payments and advised me that my only option was to dispute the reporting with the credit bureaus. I am not claiming that the late payments were inaccurately reported. My concern is that Chase refused to reasonably reconsider a temporary hardship period during the covid global pandemic despite multiple years of positive payment history and financial recovery afterward. These historical late payments continue to significantly impact my credit profile and mortgage qualification despite my long period of responsible payment behavior since recovery. I am respectfully requesting that Chase review this matter again and reconsider a goodwill adjustment or partial removal of the COVID-era late payments is appropriate given the extraordinary circumstances and my strong payment history since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: NC

Complaint narrative:
I enrolled in a debt settlement program with JGW XXXX XXXX XXXX in XXXX. Between approximately XX/XX/XXXX and XX/XX/XXXX, recurring ACH withdrawals of approximately {$220.00} each were taken from my bank account and deposited into a dedicated savings/escrow account administered by XXXX XXXX XXXX XXXX . On XX/XX/XXXX, I cancelled the program and was informed that any remaining escrow funds would be returned within several business days after cancellation was completed. However, I did not receive any refund. After repeated requests for information and accounting records, XXXX XXXX XXXX informed me that the account closed with a XXXX balance. I later received transaction statements showing that the majority of my deposited funds appear to have been withdrawn as fees associated with XXXX XXXX XXXX XXXX, XXXX fees, and legal plan fees, while only limited amounts appear to have been paid toward creditors based on the records provided. I repeatedly requested : * a full accounting of my escrow funds, * proof of settlements, * proof of payments made to creditors, * and documentation supporting the fees deducted from my account. JGW XXXX XXXX XXXX did not provide clear documentation showing completed settlements or justification for the fees charged. Instead, I received generic responses directing me to the client portal or instructing me to call customer service. I am disputing the handling of my funds and whether the fees charged were properly earned under the terms of the agreement and applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Purchased a system for online investments in stocks and other contracts. Week after week their system 's dashboard showed gains while my real account showed big losses. There are no tools in their system to track the trades, results, balances or anything else, just my account balance going down ... After asking for explanation and solution, they stopped replying my emails and just sent another advertisement email saying they made a mistake and offering to sell another system. Their contract prevent refund before XXXX months, but their system does not work and their fake results are misleading. Under the XXXX XXXX Credit Billing Act ( XXXX ), my legal rights to dispute misrepresentation supersede a merchant 's contract terms Citi Bank decided to decline my dispute to get the system fee back

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I am disputing an alleged debt being collected by XXXX XXXX XXXX related to a XXXX online order. The XXXX order was canceled and never delivered or fulfilled. I previously provided documentation proving the cancellation to the collection agency, yet they continue attempting to collect the debt. I do not believe I owe this debt because the transaction was canceled and no merchandise or services were received. I have requested validation and documentation supporting the alleged debt, including proof that a valid payment obligation remained after the cancellation, but the information provided has been insufficient. This matter may involve an electronic payment or ACH transaction processed through TeleCheck. I am requesting : * a full investigation, * cessation of collection activity unless proper validation is provided, * confirmation that the account is closed if no valid debt exists, * and confirmation that the account is not being negatively reported to any consumer reporting agency or check verification service. Attached are copies of : * the collection notice, * proof of the XXXX order cancellation, * and prior dispute documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My phone was stolen on XX/XX/year>, and was used to make multiple unauthorized transactions. Some charges were denied and reversed, but ultimately, {$4700.00} was taken from my account. I took a long time to file a police report ( Form # XXXX number : XXXX ) because I was told at the precinct that I had to wait for letters from my bank before I could file one and then had to leave on a work trip. I've spoken to Wells Fargo multiple times about this, starting the night that it happened, and went into a branch twice the following couple days. At first they denied my claim and refused to give me any money back because I didn't yet have a police report and because they claimed that my phone was a " trusted device ''. Now they've credited me with {$4300.00} temporarily, but the person I spoke to on the phone today said that of that amount, I would only be receiving {$1800.00}, and that {$2500.00} of my claim is being denied due to the charges being made in XXXX XXXX. She went on to say that the investigation found " compelling evidence from the vendor '' that the charges were valid, which makes absolutely no sense. Although I told her that Wells Fargo 's denial of my claim is a violation of Regulation E of the Electronic Funds Transfer Act and that I reported these charges within two days of them occurring, she continued to tell me that I will not be receiving the full amount and we ended the phone call. I'd really appreciate your help in recovering the full {$4700.00} that was stolen from my account. I attached photos of the letters I received, but I don't have photos of the most recent letters saying that they were temporarily crediting me with {$4300.00}.

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 2026-05-13 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: CA

Complaint narrative:
I was living with a roommate at a residence and we were evicted so I no longer reside at the address and they charged me for my roommates account on my account and I did not authorize this I helped her pay the bill when we lived together but the account is not my responsible I can provide the eviction letter and the account information that states the account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company LVNV XXXX XXXX is reporting inaccurate things to my credit. I have no knowledge who they are and I want them to remove that collection being reported to my credit report as soon as possible as it affected my XXXX XXXX and have no idea who that company is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
XX/XX/XXXX of XXXX unable to login Credit Karma XXXX XXXX contacted XXXX, try to make me make a new email. XX/XX/XXXX - XXXX sent email to verify my identity XXXX XXXX still unable to login XXXX XXXX I contact XXXX again, they send verification email. I completed XXXX XXXX XXXX I continue to get the runaround yet. My email is active so I dont know how they were able to deactivate the e-mail, on their end thats where Im having trouble?.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I already reported this on the FTC/stolen identity side. Im also coming over here because Ive reported this on my credit report so many times. A shown that I never had a XXXX account I dont see how they could be verifying this account. It drives me absolutely bonkers. I put a fraud alert on my account like a couple years ago because I got notification on XXXX that someone had tried to use my ID/drivers license and my Social Security number to open a XXXX account. I assumed they were unsuccessful, FULL STOP .. it didnt say I had a XXXX account. It said there was an attempt made at the time it said something like my ID was tried with my social and then different name and same social or something like that so I just assumed it was unsuccessful, but never once was there a XXXX account in my name or on my credit report .. until apparently they sold the debt which I NEVER HAD.. This involves an alleged XXXX account and Jefferson Capital collection account that I do not recognize. I never opened, applied for, or authorized any XXXX account under my own Social Security number. I was only ever a user/line on my husband XXXX XXXX XXXX account, which was under his Social Security number, not mine. My known XXXX number was XXXX, and that number was later transferred/ported to XXXX when the XXXX service was closed. XXXX dark web scan results show my Social Security number connected to XXXX breach data from XX/XX/year> and unfamiliar phone numbers that were never associated with me, including XXXX. XXXXe never appeared as an original creditor on my credit reports, but Jefferson Capital later appeared as a collection account allegedly connected to XXXX. I have disputed this and tried to explain that I do not recognize or accept responsibility for this account. I also previously had a fraud alert on my XXXX credit file due to suspected identity theft. I do not understand how this account keeps being validated as mine without proof that I personally opened or authorized the original XXXX account. I am reporting this as possible identity theft, mixed identity information, or misuse of my personal information so I can dispute the Jefferson Capital/XXXX collection with the credit bureaus and Jefferson Capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
hi there, I contacted Bank of America to request a waiver of three months of interest charges ( {$8.00}, {$15.00}, and {$20.00} ) due to a technical issue with my account. A supervisor named XXXX at the headquarters level claimed the system only allowed her to waive the lowest amount ( {$8.00} ) and physically could not waive the higher amounts ( {$15.00} and {$20.00} ). Furthermore, the supervisor gave me incorrect technical advice, stating I could not set up full autopay for 5 days due to a billing cycle update. However, I was able to successfully set up full autopay myself through the app immediately after the call ( took me a while to navigate as the app is very user unfreindly ). Although, the supervisor was nice and friendly, the instructions were vague, generic, and factually incorrect. I am seeking a credit for the remaining {$35.00} in interest as a resolution for the poor service and misinformation. I also hoping it prevents future customers of BoFA. I apologize there nice no written communication from BoFA. Just verbal calls and survey emails. Therefore, I haven't attached any communication files to CFPB. Thank you. Sincerely, XXXX 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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
b"Sent a debt validation request to Resurgent in early XXXX XXXX via certified mail receipt (XXXX XXXX XXXX XXXX XXXX XXXX). I received nothing in writing from Resurgent. In early XXXX XXXX I sent a cease and desist letter via certified mail receipt (XXXX XXXX XXXX XXXX XXXX XXXX). I'm still receiving emails from a XXXX at Resurgent requesting payment. Please note that this is NOT my debt."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing this complaint because Barclays failed to resolve a billing/payment dispute from approximately XXXX, and the unresolved disputed balance was later sent or sold to a collection agency. I had a Barclays credit card for several years and had a history of making payments on time. Around XXXX, there was a payment/billing error involving approximately {$1000.00}. Barclays appeared to charge or debit me twice, and when the issue was refunded or adjusted, the amount was charged back to the credit card again. This created an incorrect balance that I do not believe I owe. Throughout XXXX, I received repeated calls from Barclays about the account. Each time, I explained the situation to the representative. My understanding from those calls was that the representatives could see the duplicate charge/payment/refund issue and told me the matter would be escalated for further review. Despite this, the issue was never corrected or clearly resolved. I am now being contacted by XXXX XXXX XXXX regarding an alleged Barclays balance of approximately {$1400.00}. I believe this balance stems from Barclays unresolved billing/payment error, not from valid unpaid purchases. This has also significantly damaged my credit, even though I had previously maintained good credit and did not believe I was delinquent on a legitimate balance. I am asking Barclays to fully investigate the XXXX account activity, including all payments, duplicate charges, refunds, reversals, adjustments, fees, and the decision to send or sell the account to collections. I also request a complete written explanation and account ledger showing how Barclays calculated the alleged balance.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was a victim of a sophisticated Account Takeover ( ATO ) on XX/XX/year>. Scammers bypassed security by compromising my XXXX email account and XXXX pay through email phishing, data breach, and fraud scam. Chase Bank is claiming these charges were authorized and shipped to my address. However, the fraudster ( s ) used my wrong legal name, to open merchant accounts and various purchases. I filed a claim with Chase fraud department and was provided a provisional fund credit and canceled my affected debit card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: TX

Complaint narrative:
I am filing a complaint regarding the financing and sale of a XXXX XXXX XXXXr that I purchased from XXXX XXXX XXXX XXXX. I purchased the vehicle with a {$700.00} down payment and financed the remaining balance under a XXXX loan agreement. The total repayment amount will be approximately {$11000.00} over the life of the loan. Immediately after purchase, literally the next day, the vehicle broke down while I was driving in extreme heat conditions. The failure was sudden and complete, leaving me stranded without warning. The vehicle became inoperable and would not start or move. After the breakdown, I attempted to get assistance from the dealership. My father tried to jump-start the vehicle, but it still would not start. I was ultimately forced to leave the vehicle on XXXX in XXXX, XXXX XXXX miles from my home, for about XXXX days while I attempted to get help. During this time, I requested towing assistance from the dealership, but they refused to provide it. After no resolution, I had to arrange for a friend to tow the vehicle back to my home using a pull strap. I also experienced difficulty reaching the dealership after the breakdown. Calls went unanswered for periods of time, and when I did receive responses in person, I was told the issue would only be considered a battery problem despite the vehicle being completely inoperable. My complaint is that I believe I was sold a vehicle that failed immediately after purchase while I am now locked into a long-term financing agreement for a vehicle that is not reliable or functional. I feel I was left without proper support or fair resolution options from the dealership after the failure occurred. I am requesting assistance in reviewing this transaction and my financing agreement, and I am seeking a fair resolution including either cancellation of the loan and refund or another equitable remedy given the immediate failure of the vehicle after purchase and lack of support from the dealership.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I was contacted via text and email regarding debt connection by TrueAccord for a debt they claim is owed to XXXX XXXX XXXX. I do not now and have never had a debt with this company. I notified the company of this fact and asked that they remove me from their database. They continue to contact me regarding this debt that does not belong to me.

Company response to consumer: Closed with explanation