vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX has been holding my personal funds in the amount of {$690.00} for months. I'm asking for them to return them to my account or to my balance. They've already told me XXXX times that they'll send the money by check, but I still haven't received it after XXXX attempts.

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 2026-01-04 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: IL

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding a mishandled credit card billing dispute involving a charge from XXXX for a hotel reservation that was not honored, leading to double payment and unfulfilled refund promises. 
On XX/XX/XXXX, I was charged {$210.00} by Booking.com on my Chase credit card for a hotel reservation. Upon arrival at the hotel that same day, the hotel informed me they could not locate the reservation in their system and required me to pay separately for a room. I paid the hotel directly {$190.00} to secure accommodations. 
The next day, XX/XX/XXXX, I contacted XXXX about the issue. They acknowledged the error and promised a full refund of {$210.00} within XXXX business days. When the refund did not appear after the waiting period, I followed up with XXXX again, and they reiterated the promise but failed to process it. 
After multiple unsuccessful attempts to obtain the refund from XXXX, I disputed the charge with Chase. Chase investigated and issued a temporary credit of {$210.00} to my account while the dispute was pending. 
However, on XX/XX/XXXX, Chase reversed this credit and debited {$210.00} from my account, stating that my only option was to pursue the refund directly with Booking.com. I have already contacted Booking.com numerous times demanding the refund, including on the following dates, each time being assured it would be processed within 10 days, but it has never been issued : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( today ) This has resulted in me effectively paying twice for the same hotel stay ( {$210.00} to Booking.com + {$190.00} to the hotel directly ), with no resolution from either party. XXXX failed to deliver the booked service and has not honored their refund commitments despite repeated assurances. Chases reversal of the dispute credit leaves me without recourse, violating my rights under the Fair Credit Billing Act to a fair investigation of billing errors for undelivered services. 
I have documentation including XXXX communications, hotel receipt, and Chase statements to support this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Complaint description : I am a victim of identity theft and unauthorized account takeover. My Bank of America account was compromised without my consent, and multiple unauthorized transactions were made. 

I lost control of my account and did not authorize these charges. I reported the fraud immediately to Bank of America, filed an identity theft report, and cooperated fully with their investigation. 

Despite clear evidence of unauthorized activity and identity theft, Bank of America denied or improperly closed my claim, leaving me financially harmed and without access to my funds. 

I believe Bank of America failed to adequately protect my account, failed to properly investigate the unauthorized transactions, and wrongly held me responsible for fraud I did not commit. 

I am requesting a full reimbursement of the unauthorized charges, restoration of my account access, and a proper review of my fraud claim in accordance with federal consumer protection laws. 
At the time of the fraud, I no longer had full control over my account or associated contact information.

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 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) continues to furnish and report a negative account to XXXX XXXX and XXXX that has never been properly validated, despite my timely written dispute and request for validation. 
On XX/XX/year>, I sent PRA a written debt validation request pursuant to 15 U.S.C. 1692g ( b ). The request was delivered on XX/XX/year>. In response, PRA did not provide lawful validation. The only document ever provided was an itemized account summary, which does not constitute proper validation under federal law. PRA did not provide the original signed agreement, a complete account history from the original creditor, or competent proof of ownership or assignment establishing its legal authority to collect or report the alleged debt.

Despite failing to provide proper validation, PRA continued to report and update the account with consumer reporting agencies. Continuing credit reporting after a timely written dispute, without first providing lawful validation, constitutes continued collection activity. 
This conduct violates the following laws PRA is required to uphold : Federal Law Violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) continuing collection activity, including credit reporting, without providing proper validation after a timely written dispute ; FDCPA, 15 U.S.C. 1692e false or misleading representations regarding the legal status and validity of the alleged debt ; Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) furnishing inaccurate, incomplete, or unverifiable information to consumer reporting agencies ; FCRA, 15 U.S.C. 1681s-2 ( b ) failure to conduct a reasonable investigation after notice of dispute.

In addition, during the CFPB complaint process, PRA disclosed sensitive personal identifying information, including partial Social Security number data, in materials submitted through the CFPB portal. The CFPB explicitly instructs companies not to include Social Security numbers or sensitive personal data in complaint responses. PRA had a duty to safeguard nonpublic personal information and failed to do so. 
This disclosure was unnecessary, improper, and exposed me to heightened risk of misuse or identity-related harm, particularly in light of well-documented data breaches within the financial services industry. The disclosure of sensitive personal information in a regulatory forum constitutes a failure to maintain reasonable security measures and violates federal and Maryland consumer privacy and data protection obligations. 
PRAs continued reporting of this unverified account has caused ongoing financial harm, including interference with housing opportunities and other credit-based decisions, and has resulted in significant stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Dispute Manager, American Express Customer Complaints, I am writing to formally raise a complaint regarding my phone interaction with American Express on XXXX XX/XX/year>, when I called to report a fraudulent charge on my AMEX XXXX XXXX XXXX. 

During this call, I was transferred to XXXX XXXX, identified as a XXXX XXXX based in the XXXX. When XXXX XXXX answered the call, there was a baby crying continuously in the background. I asked him to please attend to the baby, as it was very disruptive. There was no apology, nor any explanation. I am extremely concerned as to how an American Express employee can be handling sensitive fraud matters while a baby is present and crying throughout the call. 

I request that American Express review the call recording and confirm whether this is considered acceptable working practice for AMEX staff. 

Following this, I was transferred to XXXX XXXX at the XXXX call center. During this interaction, XXXX XXXX referred to me as a woman, despite the fact that I am a man. I found this disrespectful and unacceptable. When I raised my concern, he refused to take any corrective action and also refused to transfer me to a manager, despite my request.

I have been a loyal American Express customer for over XXXX years, and this experience has been deeply disappointing. The lack of professionalism, incorrect personal address, and refusal to escalate the matter fall far below the standards I expect from American Express. 

I am requesting : A formal apology for the conduct of both representatives Confirmation that the call recordings will be reviewed An explanation of how American Express intends to address this issue and make this right for a long-standing customer Please advise how this matter will be resolved. I expect a prompt and serious response. 

Yours sincerely, XXXX XXXX AMEX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> approximately XXXX XXXX, my phone was stolen, and the criminals were able to use my phone for several XXXX Rides, XXXX Cash and get access to my XXXX Crypto account ( under the name of XXXX XXXX XXXX, the bank name is : The XXXX Bank XXXX XXXX XXXX XXXX ) to perform unauthorized transactions that result selling my crypto currency converted in $ ( USD ) and performed an unauthorized wire transfer from my XXXX Account XXXX Navy Federal Credit Union Bank XXXX Account ( Routing # XXXX, Account # XXXX in XXXX XXXX, LA ). I reached XXXX in the evening on XX/XX/year> to alert them that my crypto account was compromised and used to perform unauthorized transactions and withdrawals ( I followed their policies as soon I was notified via email ). XXXX was able to reach the bank and hold/reverse the transaction by XX/XX/year> however by XX/XX/year> the XXXX Bank XXXX XXXX transaction of $ XXXX. They already reverse back to my Kraken Account the $ XXXX wire transfer but the XXXX Bank does not want to reverse back the $ XXXX unauthorized wire transfer even after I called XXXX 's Team to stop it, I provided XXXX XXXX Police Report, and provided evidence of the fraud activities. That is the reason why I am placing this complain against XXXX due to they did not follow their own transaction wire policies. If XXXX already received the fraud stop activities notification from me on the same day, 1 day later the XXXX bank granted the initially request to reverse of the large amount ( $ XXXX ) and why XXXX 3 days later took the money from my account? That is a very funny business practices ( inside job? ). I hope with this claim, and with your assistance on this matter, The XXXX 's Routing Number is XXXX - Bank Account : XXXX. XXXX 's XXXX XXXX said that XXXX was able to recuperate only {$17000.00} of the {$56000.00} unauthorized wire. XXXX has not responded yet on this statement yet. Also, XXXX 's ledger shows the withdrawal of {$56000.00}, and this is creating an additional issue with the IRS since the ledger shows a profit on unauthorized transaction which means I am responsible to pay taxes on ~ {$39000.00} profit!, which is not the case at all. Please advise. Thanks a lot,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data is reporting an alleged debt to the credit reporting agencies under a name that does not match the correct spelling of my legal name, raising serious concerns regarding the accuracy and identity of the consumer being reported.

Additionally, upon verification with the XXXX XXXX XXXX XXXX, IQ Data is not registered or authorized to operate as a debt collection agency in the State of Texas and therefore lacks legal authority to attempt collection of any debt from a Texas consumer. 

I have made multiple good-faith attempts to contact this company to dispute the alleged debt. Certified mail was sent to the address listed for IQ Data on the XXXX  credit reporting platform, which is the same address under which the company is reporting this account. All certified mail has been returned by the United States Postal Service marked insufficient address. Additional correspondence sent to other publicly listed addresses for this company has also been returned as undeliverable.

Further independent attempts to locate and contact IQ Data, including searches of publicly available business listings, have yielded the same resultno valid or deliverable business address exists for this entity.

Given the incorrect consumer identification, the companys lack of legal registration in Texas, and the inability to establish contact at any verified address, the reporting of this account is inaccurate, unverified, and noncompliant with state and federal law. This tradeline should therefore be immediately removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
US bank continuously allowed a fraudulent person to open a bank account under my social security number despite speaking with several employees and going into the bank with my ID proving I was not attempting to open these accounts. I spent over XXXX weeks dealing with them being negligent and not helping when I request to speak to someone higher up in the company. The fraudulent person locked me out of my bank account and changed the phone number and email under my online account which caused me to close my account. Once my account was closed the fraudulent person applied for a new account and I had to once again go into the bank to dispute this account from opening. I received a letter in the mail confirming the account was opened despite asking to not open it. I refuse to be responsible for any account associated with US bank moving forward. They did absolutely XXXX to help me.

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 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My business, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, provides vehicle rental services. We strictly adhere to merchant best practices, including obtaining signed rental agreements accepting financial liability and utilizing chip-read ( card-present ) verification for transactions. 

I am filing this complaint due to JPMorgan Chase Banks systematic failure to conduct " reasonable investigations '' into merchant disputes as required by the Fair Credit Billing Act ( FCBA ) and Regulation Z. Chase Bank consistently ignores valid documentary evidence provided by our business, resulting in automatic rulings in favor of the cardholder ( " friendly fraud '' ) and significant financial loss to our minority-owned small business. 

Description of the Problem : Over the recent period, multiple Chase cardholders rented vehicles from us and subsequently disputed valid charges. These charges included rental fees, toll violations incurred during their possession of the vehicle, and agreed-upon fees. 

In every instance listed below, we responded to the dispute by providing Chase Bank with incontrovertible evidence, including : Signed Rental Contracts where the customer explicitly accepted liability for all charges. 

Third-party tollway logs and timestamps proving the vehicle was in the customer 's possession at the time of use. 

Proof of Chip-Read authorization. 

Despite this evidence, Chase Bank ruled against us in every case listed below without addressing the proofs provided. This indicates a failure to adjudicate the dispute on its merits. 

Specific Transactions/Events of Loss : The following nine ( 9 ) disputes represent a total loss of {$4600.00} due to Chase Banks refusal to validate our evidence. 

Dispute ID : XXXX Amount : {$200.00} Reason : Credit not processed Dispute ID : XXXX Amount : {$100.00} Reason : Duplicate Dispute ID : XXXX Amount : {$110.00} Reason : Product not received ( Vehicle was in customer possession per logs ) Dispute ID : XXXX Amount : {$710.00} Reason : Duplicate Dispute ID : XXXX Amount : {$470.00} Reason : Fraudulent ( Despite chip authorization ) Dispute ID : XXXX Amount : {$200.00} Reason : Credit not processed Dispute ID : XXXX Amount : {$2300.00} Reason : Credit not processed ( Customer utilized high-value rental service ) Dispute ID : XXXX Amount : {$200.00} Reason : Credit not processed Dispute ID : XXXX Amount : {$230.00} Reason : Credit not processed Conclusion : We allege that Chase Bank XXXX XXXX in Unfair or Deceptive Acts or Practices ( UDAP ) by systematically favoring cardholders and ignoring merchant evidence. We request the OCC investigate Chases dispute resolution practices and require them to reopen these cases for a fair, human review of the signed contracts and usage logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Over a year ago XXXXidvantage notified my that my student loans with Ashford University were discharged and that all tuition paid towards those loans would be refunded. No refunds were received. Contacted my servicer XXXX several times in XXXX and always received replies that my refund was being reviewed. To date I can no longer access XXXX and receive a reply that XXXX has taken over accounts. Attempted to log into XXXX as directed and old XXXX account is not recognized. There are no telephone # to contact you must access account to contact them. 

So as of date I have no idea who or how to contact the loan servicer. By my estimate I am due a refund in the thousands of dollars and believe My account and information has been lost in these loan provider transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Cash App legitimate fraud claim involving unauthorized transactions after my mobile phone was stolen from my person. 

Transaction ID : XXXX Amount : {$3000.00} Recipient : XXXX XXXXXXXX My phone was taken by unauthorized individuals, and my Cash App account was compromised as a result. I acted immediately and with diligence. Within approximately four minutes of the incident, I was able to reach a Cash App representative by phone and report the theft, account compromise, and unauthorized activity.

I followed all required steps, including filing and submitting a XXXX police report # XXXX, and provided all documentation requested by Cash App. Despite this, Cash App denied my fraud claim without providing any evidence, explanation, or proof of a meaningful investigation.

Cash Apps entire denial response stated only : After reviewing your dispute, were unable to refund you for this transaction.

No details were provided regarding how the investigation was conducted, what evidence was reviewed, or how Cash App determined the transaction was authorized. When I requested proof of investigation and clarification specifically asking for evidence that the transaction was authorized or that it was an investment Cash App failed to provide any documentation or substantiation.

This transaction was not authorized, not an investment, and occurred only after my phone was stolen. Cash App has refused to demonstrate that they reviewed the police report or considered the immediate reporting timeline. Their denial appears automated and dismissive rather than investigative.

I believe Cash App is failing to comply with reasonable fraud investigation standards and consumer protection obligations by denying fraud claims without proper review or transparency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation