vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or incomplete information being furnished by Chase Bank to XXXX XXXX XXXX XXXX XXXX ), a consumer reporting agency. Chase Bank reported adverse information and subsequently closed my account without providing clear reasoning or adequate explanation. The activity in question was not the result of fraud or intentional misuse, which I communicated to the institution at the time of closure. However, the information continues to be reported in a manner that does not accurately reflect the circumstances or current status of the account. As a result of this reporting, I have been denied the ability to open a checking account with other financial institutions, causing ongoing financial hardship and limiting my access to basic banking services. I have contacted Chase Bank directly to request correction or updating of the information furnished to XXXX XXXX Services, but the issue remains unresolved. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to ensure that information reported to consumer reporting agencies is accurate, complete, and properly updated. I am requesting that Chase Bank conduct a reasonable investigation and promptly correct, update, or remove any inaccurate or outdated information furnished to XXXX XXXX XXXX As a resolution, I am requesting : Written confirmation that a reasonable investigation has been completed Correction, updating, or deletion of any inaccurate or misleading information reported to XXXX XXXX Services Written confirmation once the information has been corrected The ability to open a bank account without improper denial due to inaccurate reporting Thank you for your attention to this matter. I look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I requested the full Method of Verification ( MOV ), including how the disputed accounts were verified and with whom. I also requested the name, address, and contact information of the furnisher contacted, as well as copies of any documentation used to validate the accounts, including the original signed agreement, complete payment history, and proof of ownership of the debt. Experian did not provide any of this requested information and closed the complaint without addressing these requests.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CT

Complaint narrative:
In XX/XX/year>, XXXX Bank closed our business checking account without prior notice or explanation, despite the account being in good standing with a positive balance and no overdrafts or loans. At the time of closure, {$17000.00} remained in the account, which has not been returned. Since then, we have made repeated attempts to contact the bank by phone and email to request a written explanation for the closure, a detailed accounting of what happened to the funds, and their return. We have not received a meaningful response or resolution. It has now been approximately 10 months since the account was closed, and the funds remain withheld without justification. We are requesting a full written explanation of the banks actions, documentation supporting the closure, and the prompt return of the {$17000.00}.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to col

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'Good Will Adjustment Request \nI have sent letter to Bank of America as instructed but no response. \n\nAccount numberXXXX XXXX XXXX XXXX XXXX have been a customer with Bank of Americasince XXXX XXXX and throughout that time I have greatly valued my relationship with your company. I am writing to respectfully request a goodwill adjustment to the reporting of my account to the three major credit bureaus.\n\nI understand that there were late payments reported on my account in XXXX and XXXX XXXX XXXXXXXX Since that time, however, I have maintained an exceptional payment record, consistently paying on time and ensuring the account has not been 30 days past due.\n\nAt the time those payments were missed, my work hours were unexpectedly reduced and I was not receiving commissions, which temporarily affected my income. I share this not as an excuse, but to explain that those late payments were due to a short-term hardship and are not reflective of my overall creditworthiness or commitment to meeting my financial obligations.\n\nGiven my strong payment history both before and after this brief period, I kindly ask that you consider removing the negative marks from my credit reports as a gesture of goodwill. I have been a very satisfied customer and truly appreciate the service I have received. I value our relationship and hope to continue banking with you for many years to come.\n\nIn todays competitive credit environment, maintaining strong customer relationships is important, and I am hopeful that you will give thoughtful consideration to my request. I look forward to your response.\n\nThank you for your time and consideration.\n\nSincerely,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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
I called and stated I was recording a man hung up on me 3 times, bc I said I was recording a woman wouldnt give me validation of my debt I owe without giving information Im not entitled too

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I called in to have a {$.00} charged removed and spoke with XXXX out of XXXX and she was great. My case # is XXXX On XX/XX/XXXX I made the payment of {$48.00} while she was on the phone but it never was processed. On Thursday XX/XX/XXXX I called in -- -- your XXXX XXXX computer that answers is XXXX!! Trying to speak to a living human being is ridiculus I asked to be transferred to a XXXX rep. Instead I get some XXXX XXXX XXXX XXXX XXXX XXXXXXXX hung up on me, 2nd lady did the same and finally XXXX transferred me but refused to give me his agent number. XXXX in Florida did not want to understand so she transferred me to a lady named XXXX. I made a new payment with her on the phone and she removed the late charge. But the conversation went sideways - the dispute with XXXX XXXX XXXX should not be showing up on my bill because every month i have to call in and deal with this and no one at the company has any brains. FINALLY I decided to say XXXX you with XXXX and cancelled the card. Even that was difficult. I am a XXXX XXXX XXXX XXXX and very disappointed in Capital One. I can be reached at XXXX. Yours truly,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Plaintiff : Portfolio Recovery Associates , LLC ( the same " Portfoliorecov '' calling you ) Defendant : XXXX XXXX XXXX claimed : {$6700.00} Court date : XX/XX/XXXX, at XXXX AM, Courtroom XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX This was originally a My XXXX XXXX Visa Card issued by XXXX, account ending in XXXX The account was opened on XX/XX/XXXX It was charged off on XX/XX/XXXX, with a balance of {$6700.00} The last payment made was {$75.00} on XX/XX/XXXX XXXX sold the debt to Portfolio Recovery Associates on XX/XX/XXXX They are NOT seeking additional interest after charge-off the amount is frozen at {$6700.00} I have been HARASSED SINCE XX/XX/XXXX, WITH NON-STOP CALLING- I have a call log dating from XX/XX/XXXX, of 47 calls and counting to date ( XX/XX/XXXX -form sent ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I am filing this complaint regarding ConServe attempting to collect a debt that is the result of identity theft. The account references XXXX XXXX XXXX XXXX, listed as a " Negative Share '' account in the amount of {$750.00} ( ConServe Account # XXXX ). This account was previously disputed as identity theft and removed from my credit reports. I filed a police report and identity theft affidavit at that time. ConServe has now reinserted or is attempting to collect on this previously blocked fraudulent account without providing certification or proper notice as required under FCRA 1681c-2. This is not my debt. I formally dispute this account and have requested full validation, including proof of identity verification used to open the account, the original signed agreement, and proof of assignment. I am requesting : 1. Immediate cessation of collection activity. 2. Permanent deletion of this account from all credit reporting agencies. 3. Written confirmation that this account will not be reinserted again. This repeated reporting of fraudulent information is causing continued harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank mistake my payment > see attachment, i send to your again for my payment to the Citi bank on XX/XX/year> amount {$1500.00}, why this amount payment does not reflect on my Citi bank statement on XXXX. and XXXX? Why? the Citi bank mistake. any additional charge is your Citi bank mistake happened, i don't need pay, but paid for you the amount {$61.00} for the later fee and interest.

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 2026-02-25 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: MN

Complaint narrative:
In XX/XX/year> I had a check/cash lost in one of Wells FargoXXXX ATMs. I had filed a claim, and my cash was recovered, but not the check. So, I filed a complaint regarding the lost check. Wells Fargo claimed they did everything in their power to find the missing check, but to no avail. They claimed checks can be damaged, broken, mutilated, etc. I requested the documents, pictures, and proof of these findings. I have received nothing from them except an insulting {$50.00} compensation. I want the proof of these actions. I want them to take accountability and responsibility for the lack of effort put forth on finding my missing check. Wells Fargos word hold no sincerity in their word. Theyve done absolutely nothing to resolve the fact that they lost my check. I understand things can happen and things can be ruined. But without the proof, how am I supposed to believe them. Theyre a multi billion dollar company and the concerns of lower class citizens, like myself, are only a thorn in their side. I want justice for their incompetence. They claim that things can get destroyed in their ATMs, but nothing happened to the cash? Just the check? Something doesnt add up. How were they able to find the {$2500.00} in cash but not the check, which were inserted at the same exact time. They did not satisfy my claim, theyre only trying to wash their hands of this in hopes that I back away. Give me the proof, give me what I am owed. I want my property 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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am filing this against HUNTINGTON BANCSHARES out of XXXX OHIO Subject : Denial of Access to Deposited Funds While Traveling/ Failure to Provide Alternate Access I am submitting this complaint regarding my banks failure to provide reasonable access to my deposited funds while I was traveling out of state for work. Approximately 10 days prior to travel, I ordered a replacement debit/ATM card. My existing card continued to function normally. While traveling out of state for business, my existing debit card was suddenly deactivated without clear prior notice. The replacement card had the same number but a different expiration date and security code. When I contacted the bank for assistance, I was informed there was a verification mismatch related to the card information. Despite multiple calls : I was not provided with an alternate method of identity verification. I was not offered emergency or temporary access to my deposited funds. I was disconnected multiple times during calls. I did not receive requested callbacks. No supervisor escalation was effectively provided. I clearly communicated that I was STRANDED out of state without access to my money. As a result, I was without functional access to my own funds from Monday night ( XXXX/26 ) until today when I got back from XXXX XXXX, Louisiana to my home in XXXX Ohio. approximately 2 days. This occurred while I was traveling for work, away from home, and without immediate alternative access to my money. The experience caused significant physical stress and hardship. My primary concerns are : Deactivation of a functioning debit card during interstate travel without clear notice. Failure to provide reasonable alternate access to deposited funds. Repeated disconnection of a customer who clearly communicated being stranded. Lack of effective escalation procedures. Potential breach of contractual obligations regarding access to funds. I am requesting : A formal written explanation of why my card was deactivated. Clarification of the banks policies regarding replacement cards and deactivation timing. Review of call handling procedures. Appropriate compensation for the hardship caused. I have documentation including flight records and call logs to support this timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
SUBJECT COMPLAINT : Denial of Unauthorized Electronic Fund Transfer Claim ) I am filing a complaint regarding my banks handling of an unauthorized electronic fund transfer. On XXXX XXXX, 2025, funds were withdrawn from my account without my authorization. I did not authorize the transaction, nor did I authorize any changes to my account information, including the addition of an email address. I promptly reported the unauthorized activity. The bank claims they conducted an investigation and concluded that I either made the withdrawal or gave someone permission to access my account. However, they have refused to provide meaningful documentation supporting this conclusion. When I requested investigation records such as IP logs, device logs, audit trails, and documentation of account changes, the bank instead asked me to identify the merchant who deposited funds into my account. I do not know who sent those funds, and that information is irrelevant to the unauthorized withdrawal dispute. The bank has partially restricted my ability to view my own account activity, making it difficult to obtain information about the transaction. I believe the bank has failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ). I am requesting regulatory review of their investigation process and assistance in recovering my funds. I request that the bank be required to provide a full written investigation report and the evidence supporting their denial. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone raised limit and used my debit card for XXXX

Company response to consumer: Closed with explanation