vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: CA

Complaint narrative:
To Whom It May Concern, I am respectfully requesting a goodwill review regarding the late payment history reported on my Chase JPMCB credit card account. Between approximately XXXX and XXXX, my family experienced severe financial and personal hardship related to my husbands serious illness and subsequent passing. During this period, I experienced a temporary loss of household income and increased medical and living expenses, which affected my ability to consistently make timely payments on the account. Prior to this hardship, the account had generally been maintained in good standing. Once my financial situation stabilized, I took steps to resolve the account balance and address the delinquency. The account has since been paid and closed, and I have continued working to rebuild my financial stability by maintaining current payments on my remaining obligations and reducing overall debt. I am not disputing the validity of the account or the accuracy of the payment history. I fully acknowledge responsibility for the account. I am simply requesting whether Chase would consider making a goodwill adjustment to remove the late payment reporting associated with this temporary hardship period. The reported late payments continue to significantly impact my credit profile and my ability to rebuild financially for my family. Given the extraordinary circumstances involved and the actions I have taken to resolve the account, I respectfully ask for consideration of this request. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I financed a ticket purchase through Affirm in the amount of {$1900.00}. I disputed the transaction because the product delivered was materially different from the product purchased. The tickets purchased through XXXX specifically represented a Reserved Section with assigned seats together. Upon arrival at the event, there was no reserved section and no assigned seating whatsoever. The tickets effectively functioned as general admission access and did not provide the reserved seating experience for which I paid a substantial premium. As a result, there was no available space for us to remain at the event in a meaningful way. Because there was no reserved area and no seating as represented, we were ultimately unable to stay and properly experience the concert, and we effectively did not attend or enjoy the event as purchased. Affirm denied my dispute based on the conclusion that I was able to enter the venue and attend the concert. However, my dispute was never about venue entry. My dispute concerns the discrepancy between the product represented and sold versus the product actually delivered. Affirms own response acknowledged that the expected seating arrangement was not provided, but the investigation did not address whether the delivered product matched the product purchased. I respectfully request a review of the dispute process, disclosure of the evidence relied upon, and reconsideration of the dispute decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There have been three separate letters sent to Synchrony to try and resolve this amicably. This is my final letter to them and I am simultaneously filing a complaint with the CFPB and the Federal Trade Commission ( FTC ) XX/XX/XXXX Synchrony Bank XXXX. XXXX XXXX XXXXXXXX XXXX XXXX RE : Notice of Billing Error and Unauthorized Charge Dispute Account Number Ending In:XXXX I am writing to dispute an unauthorized charge in the amount of {$2100.00} USD on my credit card account. On XX/XX/XXXX, at XXXX I received an email from XXXX indicating they confirmed me at XXXX XXXX XXXX. Please note there was no Booking ID referenced in the initial email. On the same day but a few hours later at XXXX the email from XXXX indicated the booking attempt was not completed. The Booking ID referenced in this email reflected XXXX ID : XXXX. There was first confirmation followed by a notification from XXXX stating the transaction did not go through. However, on XX/XX/XXXX at XXXX XXXX responded to an inquiry I sent via email stating they had successfully processed my information but it now lists a completely different reference number : ( XXXX ). This indicates the creditor ran my information a second time without my authorization, resulting in an unauthorized transaction on my account. Because I never authorized the second processing of my information, this charge constitutes an unauthorized transaction and a billing error under the Fair Credit Billing Act. I request that you immediately investigate this error, remove the unauthorized charge of {$2100.00} USD from my account, and cancel any pending finance or interest charges associated with this specific amount. Please provide me with a written update on the status of this dispute. This is my third letter to your organization disputing the charge. I am also filing a complaint with Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) as it does not appear I am getting the full cooperation which has led me to take these steps as a precaution to protect myself in this dispute and seek final resolution in my favor. Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC )

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 2026-05-27 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: U.S. BANCORP
State: ME

Complaint narrative:
I have been unemployed for almost 1.5 years. It has become increasingly difficult to pay my minimum payment for XXXX XXXX card through XXXX XXXX XXXX. I am almost 30 days late. I called customer service and went through the main menu 5 times, each time getting a live agent and requesting to apply for financial hardship, each time I was transferred back to the main menu. I accessed secure chat online and asked a live agent for financial hardship help. They indicated I could apply for a payment plan online but refused to provide a link. I find no link on myaccountacces.com.

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
There is a debt collection that has shown up on my credit report from Credence Resource management LLC for {$200.00} that I have no idea what is for. It has caused my credit values to drop I sent a certified Letter requesting validation of such debt and it was returned after being sent to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, Redelivery Notice Left ( No Authorized Recipient Available ) XXXX, TX XXXX XX/XX/year>, XXXX pm Notice Left ( No Authorized Recipient Available ) XXXX, TX XXXX XX/XX/year>, XXXX am Out for Delivery XXXX, TX XXXX I also called XXXX - NO ANSWER There are multiple reports and complaints online concerning this fraud comany.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am filing a complaint against JPMorgan Chase & Co. regarding the wrongful closure of my XXXX credit card account after I worked directly with their representatives to keep the account in good standing through an agreed payment arrangement. My account had fallen behind, so I proactively contacted Chase to set up a payment plan specifically to avoid account closure and bring the account current. Chase representatives worked with me to establish this arrangement, and I made every effort to comply with the agreed terms. After the payment plan was established, the first scheduled payment was not going to be successfully processed from the original bank account. Before the payment failed, I called Chase directly to resolve the issue responsibly. During that call, the Chase representative assisted me in making the payment immediately from a different bank account so I could remain current on the agreed payment plan. Importantly, the Chase representative explicitly encouraged this action and acknowledged that I was doing the right thing by staying on track with my payments. At no point during the call was I warned, informed, or advised that making the payment from a different bank account could result in the closure of my credit card account. Had I been informed of any such policy or consequence, I would have explored other options immediately. After successfully making the payment with the assistance of the Chase representative, I believed the account remained in good standing under the payment arrangement, and I was prepared to make my next scheduled payment in XXXX. However, on XX/XX/2026, I received an email stating that my account had been closed. On XX/XX/2026, I contacted Chase to determine why the account had been closed despite my compliance with the payment arrangement. I was then informed that the account was closed because the payment was made from a bank account different from the one originally anticipated. As a result of Chases actions, I am now facing potential significant damage to my credit profile, loss of available credit, increased utilization, and harm to my financial standing despite making every effort to responsibly resolve the delinquency. I acted responsibly and in good faith throughout this process, and Chases handling of the situation was misleading and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Add this stronger version with the statement details : I submitted disputes with Navy Federal regarding several charges on my credit card account that I believe are unauthorized and not mine. Navy Federal initially removed or adjusted some of the disputed charges during the dispute process, but later added charges back to my account without properly resolving the matter or providing a satisfactory explanation. My XX/XX/2026 statement reflects multiple account adjustments and reinstated charges, and the balance increased to over {$10000.00}. Some of the charges and account activity remain disputed and were never properly resolved despite my efforts to dispute them directly with Navy Federal. I took action by filing disputes and attempting to have these transactions investigated, but Navy Federal failed to fully address or permanently remove charges that I continue to dispute. The statement also reflects numerous account adjustments and reinstated activity connected to the disputed transactions. I am requesting a full investigation into Navy Federals handling of my disputes, including whether proper dispute procedures were followed, why disputed charges were re-added to my account, and the permanent removal of any unauthorized or improperly reinstated charges. The disputed activity and account adjustments shown on my XX/XX/2026 statement should be reviewed as part of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am unable to access my credit report despite providing my correct personal information. The XXXX XXXX XXXX has blocked or delayed access to my report, preventing me from verifying my credit history and ensuring the accuracy of my credit file. This lack of access is causing unnecessary stress and prevents me from exercising my rights under the Fair Credit Reporting Act ( FCRA ).

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Account number ending : XXXX XXXX XXXX Dear Portfolio Recovery Associates , LLC I recently received a summons form your company. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. The information provide in the summons only showed a billing statement and that does not show any of the above requested information. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
The company refused to provide any details, citing security protocols, and gave only a generic, automated response stating that the TOS were violated and that the decision was final. Handy account since XXXX never had a issue with my account until now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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 submitted a request for dispute twice after my entire paycheck was withdrawn at 2 different atms in 2 different cities that I don't live in. I was in the hospital on the date of my deposit and when the money was withdrawn. I was hospitalized on XXXX. I received my direct deposit on XX/XX/26 at XXXX. At XXXX and XXXX my account was withdrawn in the amounts of {$410.00} ( XXXX ATM fee included ) and {$140.00} respectively. I called my wife who was at work and asked if she used my card. She said no because she was still at work. She immediately called Chime to help me dispute the charges since I was in the hospital at the time. While we were on the phone with Chime there was also another charge at XXXX for {$3.00} that declined. These transactions happened in cities, XXXX and XXXX, that are about XXXX and half hours away from XXXX where we live. And they are exactly XXXX minutes away from each other. Chime initially denied the first dispute because they said I needed to submit supporting documents, which the representative at that time did not mention. They claim no error was made. That's very disheartening knowing someone can just take your money and get away with it. I called back to have the case reopened at which time I was told that I needed to send proof that I was in the hospital at the time and to try to obtain police reports. My wife then went to XXXX to try to figure out the locations that the transactions were made. The first location was at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other was a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. We were able to get a Police Report from the city of XXXX. We submitted XXXX also for XXXX but they returned back saying they weren't able to find anything. I didn't authorize these transactions. I need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: WA

Complaint narrative:
To the Account Review Team, I am writing to formally request a manual review and reversal of a {$240.00} interest charge assessed to my XXXX XXXX Business credit card. Due to a brief administrative oversight, my payment was delayed by only 3 days. As soon as the error was noticed, the balance was immediately paid in full. This account is otherwise kept in excellent standing, and this minor delay is an isolated incident. When I contacted phone support, a manager informed me that the automated system issued a denial. However, as a loyal Bank of America client who holds multiple active XXXX XXXX credit cards, a {$240.00} penalty for a 72-hour oversight severely and unfairly impacts my business expenses. I am a new small business. I kindly request that a human review team override the automated system decision and credit the {$240.00} back to my account as a gesture of goodwill to preserve our ongoing business relationship.Thank you for your time, consideration, and prompt attention to this matter.

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 2026-05-27 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: GA

Complaint narrative:
One of the features I am supposed to get with my credit card is the ability to use a digital wallet that attached to XXXX. It is a feature that is supposed to be available to any card holder. I paid an annual fee of {$790.00}, and I am supposed to have access to use this feature. Everytime I have tried to set it up with my bank it gives me error and says it's unable to complete the task. I have called and messaged the bank many times. Each time they say they are fixing it, but I still am not able to use the feature. This feature should be allowing me to collect points/money to help offset the cost of the card 's annual fee. this is just not fair based on the terms of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX years ago, Cash App permanently closed my account ( XXXX XXXX ) due to an automated biometric verification failure ( a glitch matching my DL to my live selfie ). Because my SSN is now blacklisted, I am barred from using the platform entirely. Standard customer support refuses to route me to an identity specialist for a manual document review. I am requesting that Block , Inc. manually review my government-issued ID against my identity records to clear this false positive flag so I can use the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I have had my MOHELA student loans on Auto Pay every month and have made timely payments since I began paying. For the month of XXXX, for some reason my XXXX XXXX did not work, and my XX/XX/XXXX payment was not made. I realized this on XX/XX/XXXX and submitted a manual payment of {$550.00} - I only owed {$270.00} but decided to overpay. Keep in mind, I was not even notified that a payment was missed until XX/XX/XXXX. I received a payment confirmation email with a confirmation code, and waited XXXX weeks for the status of my payment to change. It wasn't until XX/XX/XXXX that I realized my account history on MOHELA no longer reflected that I tried to make a payment on the XXXX. When I called, they had me on the phone for over an hour, I spoke to XXXX different representatives, and not XXXX of them knew why this happened. I even asked for a Payment Research Claim to be conducted and they refused since there was " no proof of a payment ever being submitted ''. Please keep in mind, I am accruing interest by the day. I even called TD Bank on the same day ( XX/XX/XXXX ) and they had no record of MOHELA requesting a debit from my account, which had more than sufficient funds. Additionally, MOHELA representatives indicated to me that any time a bank returns funds for various reasons, they also indicate why, and in my case a payment was never returned so they had no insight as to why my payment did not go through. I resubmitted my {$550.00} payment on XX/XX/XXXX after all the phone calls, and as of today, XX/XX/XXXX, it is still processing. Given that I have a great track record of timely payments, even paying off entire loans at once, I would like a reversal on all interest accrued during this time as this was caused entirely by either my bank or MOHELA - both of which who will not take any accountability for this issue. I am requesting that CFPB investigate this matter, as there have been numerous reports online indicating the same issue, and require my servicer to reverse the interest charges that have occurred due to this issue. I have a consistent payment history and always intended to make timely payments. Please see the attached documents which prove dates, amounts, confirmations, and historic on-time payments. Thank you.

Company response to consumer: Untimely response