vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: VA

Complaint narrative:
I am filing this complaint regarding my Chase credit card account, which was charged off while multiple serious unresolved issues remained active. 1. Documented Unauthorized Account Access On two separate occasions during XXXX, my account was transferred to unauthorized email addresses and telephone numbers without my knowledge or consent. I discovered each instance and worked extensively with Chase to resolve the takeovers. Chase was unable to explain how either breach occurred or why it happened a second time after the first was resolved. These incidents are documented in Chase 's own records. XXXX. Unreviewed Fraudulent Charges Because my account was compromised twice, I have reason to believe unauthorized charges may have been made during the access periods. I am currently unable to access historical statements to verify this because Chase has restricted account access following the charge-off. Chase has not provided me an opportunity to complete a fraud review before charging off the account and reporting the balance to credit bureaus. 3. Hardship Refusal Throughout XXXX, I made repeated documented good-faith attempts via Chase secure chat to negotiate a hardship payment arrangement, offering $ XXXX. Chase representatives consistently demanded over $ XXXX. Chase refused all reasonable accommodation, contributing directly to the charge-off. I am requesting that Chase ( XXXX ) provide complete statements for all 2025 billing periods, ( XXXX ) provide chat transcripts from 2025 hardship negotiations, ( XXXX ) conduct a full fraud investigation covering both compromise periods, ( XXXX ) suspend or correct charge-off reporting until the fraud investigation is complete, and ( XXXX ) explain how XXXX separate unauthorized account takeovers occurred on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
I m filling this formal complaint against block ink cash app regarding a XXXX dollars. Transaction pending sense XX/XX/year>, despite been a verify user and presenting the XXXX XXXX recipe dated XX/XX/year> cash app has felling to release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I paid original creditor XXXX full balance of account. XXXX confirmed with time stamp of cease collections notification to company. I called IC systems right after to find out if they received. XXXX they reported to XXXX XXXX balance and remarks settled less the full. I disputeed this with documents. Days later they refreshed XXXX and XXXX of a new missed payment and full balance remaining. Since then I have made multiple recorderd calls to IC and charter on this matter. They are rubber stamping disputs with upload documents. They fail to do a investigating. They ignore disputes and have been illegal reporting missed payments weekly to XXXX and XXXX to this day. They still haven't corrected XXXX but seemed to have no knowledge of how or why it was reported but the weekly refreshing has stopped on that one. Just the false remark remains.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The BMO mobile banking app displayed a {$0.00} balance and {$0.00} minimum payment due on my credit card account for a period of time. Based on this information, I believed no balance was owed. However, interest continued to accrue and automatic payments were still being withdrawn. I later discovered that a balance and interest charges were accumulating even though the official BMO app showed {$0.00} balance and {$0.00} payment due. I attempted to resolve this with BMO customer service but was unable to get a clear resolution.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a credit card dispute under the XXXX Credit Billing Act. I disputed a {$270.00} charge from SP XXXX SUPPLY LLC for goods that were not as described. The product was advertised and confirmed as XXXX XXXX XXXX, but the merchant delivered generic paper that is visually and materially different. I submitted screenshots of the product ordered, photographs of the product received, and written documentation of multiple attempts to resolve the issue directly with the merchant. The merchant did not respond to email, website contact requests, or voicemail messages, and did not provide return instructions or a shipping label for a bulk shipment of XXXX sheets of paper. I would not have initiated a chargeback had the merchant been reachable. Despite submitting all requested documentation, Capital One closed the dispute stating that my response lacks all previously requested information, without identifying what information was missing, and instructed me to contact the merchant again. I am requesting that Capital One be required to properly review the evidence submitted and explain its determination in writing. I dispute liability for this charge and should not be held responsible for goods that were not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX authorized {$110.00} from my checking account. When the transaction was finalized by the merchant that amount was processed for {$95.00}. This transaction completed and was closed by the merchant and hard posted to my account. The difference of {$16.00} should have gone back in to my account per the transaction processing terms. This amount has still not been credited to my account. I attempted to settle with the bank but after talking to XXXX people over XXXX hours, I was unable to get it resolved. They have insisted that XXXX owes me a refund but they do not. Their authorization was for more than their final billing, yet chime customer service refuses to release the funds they are holding as a result of the initial authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I disputed XXXX Cash App for a purchase made to XXXX XXXX I typed XXXX dollars and after dispute and also filing an appeal Cash App dont want to help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: IL

Complaint narrative:
I contacted the debt collection agency to resolve a debt in full. During my initial call, the representative stated that if I paid the debt that day the account would be deleted from my credit report. I asked for written confirmation of this agreement before making payment. The representative stated the call was recorded but that she could not send written confirmation until after payment was made. I asked to speak with a XXXX to confirm the terms before paying. When the XXXX joined the call, he immediately became hostile, refused to allow me to explain my request, stated that the credit deletion was off the table, and used an analogy unrelated to the situation. When I attempted to clarify the agreement I was told I could not speak and the XXXX hung up on me. I called back and ultimately resolved the payment with another representative. However, the conduct of the XXXX was unprofessional, dismissive, and inconsistent with the representations made earlier in the call regarding credit report deletion. I am filing this complaint because consumers attempting to resolve debts should not be treated with hostility or provided inconsistent information regarding settlement terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Subject : Complaint Regarding Student Loan Servicer Guidance and Missed Forgiveness Opportunity I am submitting this complaint regarding guidance I received from my student loan servicer concerning eligibility for federal student loan forgiveness programs. My loans originated as federal student loans in the XXXX, and I have been in repayment since approximately XXXX. These loans were serviced by XXXX for many years and are currently serviced by MOHELA. My loans are listed as XXXX loans owned by XXXX XXXX XXXX XXXX. In XXXX, I contacted my servicer directly to ask whether I qualified for any federal student loan forgiveness programs. During that conversation I was told that I did not qualify and that there were no forgiveness options available for my account. I relied on that guidance when evaluating my options. At no time during that conversation was I clearly informed that consolidating my XXXX loans into a Direct Consolidation Loan could impact my eligibility for federal relief programs tied to repayment history, including the XXXX account adjustment that required consolidation before a federal deadline. Because I sought guidance from my servicer and relied on the information provided, I did not pursue consolidation prior to that deadline. Had I been clearly informed of the importance of consolidation for eligibility purposes, I would have taken immediate action. I have located a prior communication from XXXX dated XX/XX/XXXX referencing XXXX XXXX XXXX XXXX and indicating that XXXX loans require consolidation into Direct Loans to qualify for certain federal forgiveness programs. This suggests that the servicer was aware that consolidation could impact eligibility for federal relief programs. Given that I have been in repayment for nearly XXXX decades and have already paid significantly more than the original principal borrowed, I believe I may have been disadvantaged by incomplete or misleading information provided by my servicer when I sought guidance regarding forgiveness eligibility. I respectfully request that my account and repayment history be reviewed to determine whether relief or reconsideration may be appropriate due to reliance on servicer guidance regarding federal forgiveness eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I purchased a car and got scammed car doesnt work but the guy accepted my payment and wont give refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I used Paypal ( the company upon which I am filing my complaint ) to process the payment to me ( the seller ) for the sale of a used personal XXXX through the company XXXX ( which Paypal partners with ). Paypal asked for information on the transaction ( what was the transaction for, where was the item sold, proof of fulfillment via tracking number ). I provided all information requested and received a notice that the review would take 3-5 business days. This information was provided by myself to Paypal on a Saturday. The following Monday, my account was " permanently '' closed and restricted from using Paypal with no description the reason as to why. The computer I sold is now with the buyer, who has confirmed receipt and functionality of the item as promised, and Paypal is holding my payment for at least 180 days with no information. My history of using Paypal has been tied to 2-3 private sales of goods totally < {$1000.00} in total. I have reached out to Paypal and received no information in return, and I am now without a XXXX, as I followed my obligations as a seller, and Paypal is holding my private sale proceeds without proof of any wrongdoing or misuse by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
informed them to stop sending these notices, put refuse on the envelope and mail bk

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WEALTHFRONT CORPORATION
State: TX

Complaint narrative:
I opened an account with Wealthfront and I did a bank transfer of {$200.00} from my XXXX savings account to wealthfront. After they received my funds they closed my account and said they will return those funds to the previous account. Its been over a week and I have not received anything. Ive been trying to contact wealthfront but they keep hanging up the phone on me. I am not able to contact them from the phone number I opened the account with because the system has my number blocked. And when I use a different number to call they hang up. Im not sure if Ill receive my funds back from wealthfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hereby formally repudiate the legitimacy of the referenced accounts and deny granting any authorization for their creation. I demand a full investigation and prompt removal upon confirmation. Relevant documentation accompanies this notice.

Company response to consumer: Closed with non-monetary relief