vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: TX

Complaint narrative:
I had an XXXX box. The company claims I never returned it. So they billed my. I used credit sage to get the dispute handled. 

They charged me XXXX bucks upfront and XXXX each month since XXXX of 2024 and have not managed to do anything with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: MOHELA
State: MD

Complaint narrative:
I received a tax credit under XXXX law for student loan payments. I clearly laid out what was required for the tax credit and provided an example to MOHELA on multiple occasions. They have not send me the correct form still, it's been almost a year and a half now. Also, they continue to report delinquency to the credit bureau, despite my account being in administrative forbearance from XXXX. It even says on their website it's in forbearance but they continue to report otherwise to the reporting agencies. 

Dates for document request : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: GA

Complaint narrative:
Company : Citibank , N.A . : Case ID : XXXX What happened ( briefly ) : I used my Citi Visa credit card to purchase merchandise from a merchant. I did not transact with XXXX, do not have a XXXX account relationship relevant to this transaction, and did not agree to any XXXX terms. Citi Visa was the card issuer and my sole payment relationship. 
I returned the merchandise and have proof of delivery showing the merchant received the return. Despite this, the merchant has refused to issue a refund, stating that its XXXX funds are frozen and conditioning the refund on my canceling the credit card dispute. 
I filed a billing dispute with Citi and provided documentation, including proof of return and proof of merchant receipt. Citi either denied or closed the dispute and stated the review was conducted by an external third party, without addressing the evidence provided or the merchants refusal to refund. 

Why this is a problem : A merchants payment processor issues ( including XXXX fund freezes ) are not the cardholders responsibility. 
The merchants request that I cancel the dispute in order to receive a refund is improper and coercive. 
Citi failed to conduct a reasonable investigation as required under Regulation Z ( 12 CFR 1026.13 ) by not properly evaluating my evidence of return and merchant non-refund. 

Citi improperly relied on a third party instead of fulfilling its independent obligations as the card issuer. 

I was not provided with a clear, substantive written explanation addressing my documentation. 

What I want resolved : Immediate reinstatement and proper review of my billing dispute Permanent credit of the disputed amount to my account Written explanation of Citis dispute handling procedures and why my documented evidence was previously disregarded

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2025, I enrolled in XXXX self-exclusion program, and received written confirmation from XXXX that my account was excluded and that I would no longer be able to deposit funds, wager, or redeem bonuses. 

Despite this, on XX/XX/2025, XXXX accepted multiple debit card transactions from my checking account totaling {$2800.00} under the merchant name XXXX XXXX XXXX XXXX. All of these transactions occurred after my self-exclusion had already begun. 

XXXX  acceptance of these deposits after exclusion directly contradicts their own written confirmation and undermines the purpose of responsible gaming protections. These safeguards are intended to prevent further financial harm once a consumer opts out of gambling, and they failed in this case. 

I am requesting that the bank and the merchant investigate why these transactions were allowed to process after my self-exclusion was active, whether proper blocks or controls were in place, and why those controls failed. I am also requesting a refund of the {$2800.00} in deposits that were accepted in violation of the self-exclusion program. 

I am attaching documentation showing the self-exclusion confirmation from XXXX and the transaction details from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: MI

Complaint narrative:
As of 15 USC 1692 G 1 ) I need a full detailed list of payment history on this account. 2 ) I want to see the original wet signature I agreed to on this contract for this creditor. 3 ) has there been any insurance claims on this debt. 4 ) I want the chain of title/ custody that you have to collect on this debt. If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: OH

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was charged recurring monthly fees by XXXX, a subscription service, without my authorization. The charges appeared on my Chase credit card approximately once per month during this period, totaling XXXX unauthorized transactions. 

As soon as I identified the pattern of these recurring charges in XX/XX/year>, I immediately contacted Chase and filed a dispute on XX/XX/XXXX, XXXX same day the final XXXX charge posted to my account. I disputed all charges from XXXX through XX/XX/year>, documenting the entire pattern of unauthorized billing. 

Chase only agreed to investigate and pursue credits for XXXX months of charges ( XXXX, XXXX, and XX/XX/year> ), citing internal time-limit policies. The bank declined to investigate or credit the charges from XXXX through XX/XX/year>, even though I reported the issue promptly upon discovering the recurring fraud pattern and filed my dispute immediately when the XXXX charge appeared. 

Chase then closed my dispute case before all credits from XXXX were fully processed and posted, leaving me responsible for multiple months of unauthorized chargesincluding the XX/XX/year> charge that I disputed on the same day it posted. 

This is problematic because all XXXX months of charges represent the same pattern of unauthorized recurring billing. I reported the fraud as soon as I discovered it and acted immediately on the final charge. Chase 's decision to limit its investigation to only XXXX months, while refusing to address the remaining XXXX months of the same fraudulent pattern, has left me bearing losses from charges I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a goverment treasury check for XXXX on XX/XX/year> I then went into my chime o line account to the mobile check cashing o followed all instructions s taking pictures of front and back of check submitted it told I would get my funds in XXXX days next morning I received an sil stating check not excepted but canbe fixed easily by writing on the check for XXXX  XXXX deposit only I to chime account and to resubmit it again I get a message stating Friday the XXXX  I will have the funds inmy account then later I get email stating check will not be cashed it cant be verified and not to submit it again ok its a giverment check I went to the goverment web site and I entered the info on the check and it was verified now im stuck woth a check I cant cash anywhere I have to request a check from the goverment XXXX only knows how.long that will take and now im out money I desperately needed because chime had me endorse a check they weren't goi g to cash they would have known that's the first time I submitted but no they had me endorse it to them only saying it was no bigbdeal and wasliy fixss why would they have me do that I called them and they said nothing but not to submit it a d to have the issuer ae d me.another check no big deal but it is a big deal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: IN

Complaint narrative:
For several months, I have been receiving repeated unsolicited SMS XXXX-time passcodes and in-app login verification prompts from U.S. Bank that I did not request. These events occur approximately every XXXX to XXXX weeks. 

On the most recent occurrence, at approximately XXXX XXXX XXXX on XX/XX/2026, I received an in-app notification asking me to confirm a login attempt, followed shortly by an unsolicited SMS verification code. I did not attempt to log in at that time. 

To address this, I have taken multiple security measures, including changing my username and password several times, removing saved login information from all browsers, restricting access only to use the official U.S. Bank mobile app protected by biometric authentication, and updating the phone number on file to a physical carrier-issued SIM. 

I have contacted U.S. Bank customer service multiple times via calling or online chatting once I discovered unknown SMS codes or login push notifications. Representatives consistently state that they see no suspicious login activity and have not provided an explanation for why these repeated authentication challenges are being triggered or what actions have been taken to prevent recurrence. 

These repeated unsolicited multi-factor authentication challenges indicate attempted unauthorized access or a failure in the banks account security or identity systems, and present an ongoing account security risk.

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested many times that they provide accurate information, which they have not. I have asked them not to contact me unless it is through certified mail, which they have not. They have sent text messages and emails and still have not provided the appropriate information to verify this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I requested a copy of the original contract with this company as well as a wet signature. Instead, this company sent billing statements. I am asking for proof that this debt belongs to me. The billing statement they sent are unfamiliar again. I reiterate, I am requesting validation of debt and wet signature from this company. I have also sent them a letter certified mail to cease and desist contact with me until proof of debt is satisfied if not to have them to cease all collections and contact and to remove from the credit bureau agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I made a charge to a travel agencies thru USAA charge card I decide to cancel the trip within grace time line. For a month ur XXXX it was cleared. but then it show back up. I have been paying this card for about XXXX years now plus interest ... USAA will not do nothing. keep passing the dispute around, I can not get a complete answer from anyone, I keep doing the dispute now it want allow me to do the dispute anymore. USAA keep me on this merry go around. And I keep paying my credit card to keep my credit rating complete. The dispute is in the amount of {$8000.00} this was in XX/XX/year> 2024

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was the victim of a scam resulting in unauthorized transactions. I notified my bank promptly. The bank failed to conduct a reasonable investigation as required under Regulation E / FCBA and denied my dispute without proper justification. I am requesting a full review, written explanation, and reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have Power of attorney for XXXX XXXX by XXXX XXXX for a {$2000.00}. check written on Truist bank. Unable to cash check due to the bank policy that said person must have an account at Truist bank. On XX/XX/year> XXXX, I was at the Truist bank and tried to cash XXXX XXXX insurance settlement check. It was written on Truist bank, they declined it because XXXX XXXX doesn't have a Truist bank account. The power of attorney is issued and signed by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kentucky.

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 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
Good Morning I applied for the loan forgiveness program and received a letter. I got an email stating that the student loan was switching systems to a better system. I went out to check my status to see if my loan was forgiven before they switch over and my status showed that my account was paid off as of XX/XX/year> for {$48000.00}. It showed a XXXX balance so I made sure to print a copy of the information so I would have it. After a while, I start getting emails regarding my student loans and that I had to start making payments so I thought this was an error and I ignored the emails. I finally got tire of getting the emails and went out to check my status again but they had switch systems. So, I had to get that information and create a new sign on. That's when I saw that everything was back out there in the new system so I wrote to them and sent the copies I have printed out to show that the information didn't carry over to the new system. I was told that if I couldn't provide the cancelled check then I still owe the loan. I asked them how would I have a cancelled check if the government paid my loan thru the loan forgiveness program. This is on my credit report as outstanding and now I'm receiving letters in the mail telling me that I need to pay the full balance of $ XXXX. I don't even know where the $ XXXX came from. I guess that added interest for me not making payments. I don't know what to do because I don't fell like they should get paid twice for this and I shouldn't be penalized for the old system not transferring over information. Why did they even switch systems when they knew people was doing the loan forgiveness. I'm not the only one that they did this to. I just need some help with this and if there was a glitch in the old system and I really do still owe I need to know that as well. My credit is jacked up because of this and making it hard for me to try to buy a home. Please help shed some light on this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/year>, JPMorgan Chase Bank abruptly closed my checking and savings accounts without prior notice or explanation. At the time of closure, Chase froze my funds and has not released my money or provided a clear timeline for when I will regain access. 

As a direct result of Chases actions, multiple payments failed, causing financial harm and disruption to my ability to meet basic obligations. I was given no opportunity to move my funds before the closure, and no meaningful information afterward. 

I have contacted Chase for assistance and was informed that they are not required to provide a reason for the closure. While I understand banks may close accounts, holding customer funds and causing failed payments without timely resolution or transparency is unfair and unreasonable. 

Chases actions have deprived me of access to my own money, caused failed payments, and created financial harm. I am requesting immediate release of all remaining funds, reimbursement of any fees or damages caused by this freeze, and a written explanation of how and when my funds will be returned. 

I am seeking the CFPBs assistance to ensure Chase complies with consumer protection obligations and resolves this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I moved points from XXXX account to this account to make a payment on this account. The next month it shows my points still being there. By XXXX, they changed my APR terms but not my rewards points terms. I contacted them multiple times about how I was struggling but they just kept telling me to make the minimum payment. The situation continues on. Suddenly, when I go to apply the points myself, I still have my points but I can not redeem them even though redeeming them would have made my account almost even. At a certain point they make the points disappear even though I earned them and it would help them get the payment they need. I contacted multiple times from May through the summer into this fall but they only keep XXXX days of contact that Im allowed to pull up. I set up a payment plan according to their terms prior to my due date however they would inconsistently charge my account late fees and interest so every payment I made, according to their payment plan terms, the balance kept growing. In addition, while I was making the payments in their payment plan, I kept reaching out about my points and I was told I would get a response from the team in XXXX business days but I never would. Theyve called and half of the time I dont get answered, usually they hang up or dont speak, then when I call I just get told to make a payment even when Im in tears explaining my financial situation willing to provide evidence. Im at my wits end and relying on this team.

Company response to consumer: Closed with explanation