vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: WA

Complaint narrative:
I had an account with XXXX, where my tenants would deposit their rent to pay me their rent. I would only withdraw from that account and transfer it to my Chase checking account. Never was there any monies deposited by me into this XXXX account in the past year and a half. 

On XX/XX/XXXX, I noticed that {$15000.00} missing from my Chase account. After further investigation on my part, I noticed that on XX/XX/XXXX, there had been an unauthorized transfer of XXXX from my Chase account to XXXX. Then on XX/XX/XXXX, an additional {$5000.00} transfer had been unauthorized again to XXXX. The total then added to {$15000.00}. 

On XX/XX/XXXX I recovered {$5000.00} from XXXX and transferred it back to Chase. Then on XX/XX/XXXX, I was able to recover {$5000.00} from XXXX and transferred it back to Chase. Every time I recovered my money back, I would pull it out of the Chase account, because at this point I knew my XXXX  account had been hacked, and fraud was being committed. They had access to my Chase account and were pulling out what they could, and putting it in the XXXX account. Then on XX/XX/XXXX, I was able to recover {$2400.00} of the last {$5000.00} that had been taken from Chase. So by this point I had recovered {$12000.00}. I am still missing {$2400.00} This amount, {$2400.00} was transferred out of my XXXX account to some XXXX account and a XXXX account owned by a XXXX that I do not recognize or know, or authorized. I have attached a copy of the Dispute to XXXX, that shows these transactions. XXXX had also asked for proof that we had reported this to the police, so we also sent them a copy of that police report, that I will attach also. 

I had to dispute it twice, because XXXX decided that there was no error in these transactions so they denied the dispute. They have not given back the last {$2400.00} that is still owed to me. 

XXXX closed the account on XX/XX/XXXX. 

I would like for them to return my {$2400.00} back to me. 

{$2400.00} from the XXXX account that I did not authorize. 
And {$78.00} from the XXXX account that I did not authorize. 

CHASE has put my account at a minus, {$2400.00} because they failed to keep the final dispute. 

I disputed these unauthorized transactions from XXXX, twice through Chase. One for {$5000.00} and another for {$2400.00}. Then XXXX told me to put the {$5000.00} back to XXXX, which I did on XX/XX/XXXX. Then Chase gave XXXX the second dispute, of {$2400.00}, back on XX/XX/XXXX, which put my XXXX account at a minus of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I made four ATM withdrawals. The last withdrawal attempt was declined due to insufficient funds in my account, and I received an email notification from Capital Ones system that same day. 
On XX/XX/XXXX, I submitted a dispute regarding a fraudulent ATM transaction. On XX/XX/XXXX, I received an email stating that Capital One was investigating the matter and that, in the meantime, a temporary credit had been applied to my account. 
On XX/XX/XXXX, Capital One denied my dispute regarding the fraudulent ATM transaction, stating that the transaction was valid, and the temporary credit was removed from my account. Immediately after receiving this email, I called Capital One to request all documents related to the investigation. These documents were provided 33 days later. 
In their report, Capital One lists three ATM transactions. One transaction is marked with code XXXX and the description Insufficient funds!!!. This is the transaction I disputed because the money was withdrawn from my account even though it should have been declined for insufficient funds, and this is the same transaction Capital One denied. 
After reviewing both the investigation report and my bank statement, it appears that Capital One intentionally added another ATM transaction, which has negatively and unfairly impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: FL

Complaint narrative:
On XX/XX/2026, I sent a formal written demand letter to CarMax Auto Finance regarding a vehicle repossession dispute. The letter requested a substantive written response and provided a ten ( 10 ) business day deadline, which expired on XX/XX/2026. 
CarMax Auto Finance did not provide a substantive response by the deadline. Instead, I received only a generic acknowledgment directing me to call a Resolution Specialist by phone and stating that the matter could not be addressed in writing. This response did not address the issues raised, did not provide any explanation or documentation, and did not constitute a good-faith response.

My demand letter expressly requested that all communications be conducted in writing due to the legal nature of the dispute. The company ignored this request and failed to provide the requested written information. As of the date of this complaint, CarMax Auto Finance has not provided a substantive written response to my demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am submitting a complaint against Credit Karma regarding denial of access to my funds. I have {$1000.00} in my account that I am unable to access.

Initially, Credit Karma told me that nothing was wrong with my account, but shortly after, they admitted there is a system issue affecting only my account. This is misleading and unacceptable. Additionally, I am unable to use my virtual card, which prevents me from accessing the funds I am legally entitled to. 

It has now been over 24 hours since my funds should have been available, and the company has provided no clear resolution or timeline. 

I request CFPB assistance in ensuring immediate access to my funds and holding Credit Karma accountable for this misleading communication and improper delay.

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Issue : Credit card billing error and misinformation from a representative. 
Description : I am filing this complaint because Bank of America ( BoA ) charged me interest ( {$44.00} ) due to incorrect setup instructions provided by one of their phone representatives.

Because the BoA online and mobile banking platforms make setting up recurring " Statement Balance '' payments extremely difficult, I called customer service for help. The representative assisted me and explicitly confirmed that my account was set up for recurring " Full Statement Balance '' payments. However, on XX/XX/year>, only a minimum payment of {$35.00} was withdrawn. 
Upon discovering this on XX/XX/year>, I immediately called BoA and was told the previous setup was only " one-time. '' I paid off the full balance manually that same day ( XXXX ). Despite my immediate correction and the fact that the error was caused by agent misinformation, BoA posted an interest charge of {$44.00} on XX/XX/year>XXXX  and refused to refund it. 
I am requesting a refund of the {$44.00} interest charge, as I followed all professional guidance provided by the bank 's own staff to avoid such charges.

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Receivables, Inc.
State: TX

Complaint narrative:
Re : Formal Complaint Illegal Collection Practices and Inaccurate Credit Reporting Company : Collection Receivables Inc.

Original Creditor : Elevate Fitness Coaching To Whom It May Concern, I am submitting this formal complaint against Collection Receivables Inc. for unlawful collection activity, inaccurate credit reporting, and failure to properly validate an alleged debt.

Collection Receivables Inc. is reporting and attempting to collect a balance of {$2700.00}, while simultaneously reporting a high balance of only {$1800.00}. This discrepancy is mathematically impossible and has never been explained or supported by any itemized documentation, contract, or service records. 

This alleged debt originates from a gym membership and personal training agreement with XXXX XXXX XXXX. I canceled this membership with proper notice on or around XX/XX/year>, yet billing and collection activity continued after cancellation. 

Despite written disputes, the collection agency has failed to provide : A signed contract Itemized billing from {$0.00} to the alleged balanceProof of cancellation acknowledgment Proof of legal authority to collect in Texas Proof that the reported balance is accurate The continued reporting and collection of an unvalidated, inflated balance violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB : Conduct a full investigation into this matter Require Collection Receivables Inc. to substantiate the debt Order the deletion of this account from all credit reports if validation can not be produced Take any appropriate enforcement action for unlawful collection practices All documentation supporting this complaint is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A collection account from National Credit Systems , Inc. appeared on my credit reports more than XXXX XXXX  after the alleged debt occurred. I never received any written notice, billing statement, or notice of my right to dispute this debt. 
I paid my apartment rent and was not informed of any remaining balance at the time I moved out. I first became aware of this alleged debt when it appeared on my credit reports, which caused my credit score to drop significantly. 
I disputed this account with the credit bureaus and contacted the collection agency by email to request written validation of the debt, including the amount owed, payment history, and proof of notification. The collection agency did not respond and provided no documentation. 
Instead of validating the debt, the collection account was updated and re-aged on my credit reports, causing my credit score to drop again. After my dispute, the collection agency attempted to contact a third party ( a family member ) rather than contacting me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Attached is my Federal Trade Commission complaint regarding this matter. I am submitting this complaint to the Consumer Financial Protection Bureau because Nelnet , Inc. continues to furnish inaccurate and inconsistent student loan delinquency information and repeatedly closes complaints without addressing the underlying issues. 
This is not a new issue. I have filed multiple disputes and complaints regarding Nelnets reporting, and instead of correcting the errors or providing documentation, Nelnet avoids the substance of my concerns and closes complaints as duplicates while the inaccurate data remains on my credit reports. 
I am not requesting goodwill or a courtesy adjustment. I am submitting a factual accuracy dispute under the Fair Credit Reporting Act. 
Nelnet has furnished conflicting late-payment information across XXXX, XXXX, and XXXX for the same accounts and the same months. In some instances, the accounts are reported as on time with one bureau and 90 days late with another, while other months show missing data followed by sudden 90-day delinquency reporting. This is logically impossible and violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX reporting standards, which require accurate, complete, and consistent reporting. 
Despite repeated disputes, Nelnet has never provided : A complete payment history explaining how delinquency statuses were determined Proof of the specific delinquency dates used to justify 90-day late reporting Copies of billing statements or delinquency notices Any XXXXXXXX XXXXcompliant documentation supporting the furnished data Nelnet also failed to address a key issue I raised repeatedly : I was never notified that my loans were exiting long-term deferment, nor was I notified of any 30- or 60-day delinquency prior to adverse credit reporting. This failure is especially concerning given Nelnets public acknowledgment that over XXXX XXXX borrowers were impacted by servicing and reporting errors during the transition out of deferment and pandemic-era protections. 
Once Nelnet received notice of these disputes through credit bureaus and regulatory channels, FCRA 623 ( b ) required a reasonable investigation and correction or deletion of inaccurate information. That did not occur. Instead, Nelnet relied on conclusory statements and procedural closures rather than addressing documented inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
This was a little while ago so I dont remember the exact date I paid or amount that I had paid it was probably around XXXX XXXX they had closed my account XX/XX/year>XXXX   I was currently XXXX, had a lot of other things going on I went to make a payment clicked on the wrong card saved so it obviously declined I realized went back in made the payment, they immediately closed my account. All I got for an answer even after exhaling what happened they said I was trying to get out of my payment and it seemed scammy. Obviously if I was trying to get out of a payment wouldnt have made the payment I feel as though that was unfair also uncalled for. The company was capital one. I know this was a bit ago but am just learning the steps to take for the unfair decision to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I presented the promotion ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) when opening the Huntington XXXX XXXX Credit Card in branch and the banker said he applied it . However, after meeting the requirement of spending at least {$5000.00} in the first 90 days, I only received XXXX points ( {$400.00} ) instead of XXXX points ( {$700.00} ) as promised in the advertisement/terms. I contacted Huntington Bank branch and the customer service center multiple times, they said they were " looking into it '' and yet to provide any updates or the remainder {$300.00} bonus within the last two weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 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.

Complaint narrative:
A customer contacted us prior to initiating a chargeback and confirmed in writing ( email correspondence ) that the merchandise was not received damaged or defective. The customer stated that the dispute was based on dissatisfaction with the product, not on any defect or damage. 

Despite this written admission, the customer proceeded to initiate a chargeback with JPMorgan Chase Bank N.A. under the reason code damaged or defective when we have explicit information and confirmation from the customer that it was not.

We provided proof of delivery, courier photographic confirmation, copies of the customers written statements contradicting the dispute reason, and our published return policy, which clearly states that refunds to the original payment method are not offered for change of mind or subjective dissatisfaction, only exchange or store credit. These terms are agreed to by customers at checkout. The product in question is our top selling product and over close to 5,000 units sold, has been extremely well received for which we have publicly available reviews of. 

We also confirmed that no valid return request was submitted through our returns system and that the customer has not provided any tracking information showing the merchandise was returned. 

Despite receiving this evidence, JPMorgan Chase approved the chargeback without explaining what evidence was relied upon or how the decision complied with Visa dispute rules or the Fair Credit Billing Acts requirement for a reasonable investigation of billing disputes. 

As a result, the customer has retained both the refunded funds and the merchandise, which is theft. 

We requested clarification through our payment processor ( XXXX ) regarding the basis for this decision and what evidence was considered, but no substantive explanation or justification was provided. 

We believe the chargeback was improperly approved, that the dispute was resolved without adequate investigation, and that this has resulted in unjust enrichment of the cardholder and misuse of the chargeback system. We respectfully request regulatory review of JPMorgan Chase Bank N.A.s handling of this dispute and a corrective resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
I am disputing this debt and the conduct of Hodosh, Lyon & Hammer , XXXX for violations of federal consumer protection laws. 

1. Failure to Provide Proper Validation FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) The collection notice does not include competent evidence that I owe this debt. The letter merely lists an amount allegedly owed without providing : A copy of the original signed contract or application A complete payment history Proof of assignment or ownership of the debt Evidence that Hodosh, Lyon & Hammer has legal authority to collect Listing a balance alone does not constitute proper debt validation under federal law. 



2. Misrepresentation of the Debt FDCPA 807, 15 U.S.C. 1692e The collector implies the debt is valid and collectible without providing proof. This is a false and misleading representation of : The character and legal status of the debt Their right to collect the alleged balance Any attempt to collect without verification constitutes deceptive practice.

3. Attempting to Collect an Unverified Debt FDCPA 808, 15 U.S.C. 1692f Attempting collection without first validating the debt is an unfair and unconscionable means of collection, especially when no documentation has been provided.

4. Potential Credit Reporting Violations FCRA 623, 15 U.S.C. 1681s-2 If this account is reported to consumer reporting agencies without full verification, it constitutes : Furnishing inaccurate or unverified information Failure to conduct a reasonable investigation Any reporting without validation is unlawful.

5. Failure to Prove Legal Standing Hodosh, Lyon & Hammer has not proven : That the debt was legally assigned to them That they are authorized to collect on behalf of XXXX XXXX XXXX Without proof of assignment, they lack standing to collect.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I was charged {$39.00} through PayPal for an XXXX XXXX  subscription. 
I purchased the XXXX XXXX  through XXXX under a promotion that clearly stated : XXXX  days of toner for {$9.00}. This was the main reason I agreed to the purchase. 
However, after only about XXXX days, instead of the promised XXXX  days, I was charged {$39.00}. 
This charge was : A violation of the advertised promotion A misleading and deceptive practice ( bait-and-switch ) An unauthorized and unfair charge Because of this deceptive practice, I returned the XXXX  to XXXX and canceled the service.

I opened a dispute with PayPal for this charge. PayPal denied my dispute without providing any real explanation or any documentation from the merchant to justify the charge. 
I then formally requested : A copy of the merchants documentation justifying the charge A detailed explanation A manual review of the case PayPal did not provide the requested documentation and simply closed the case. 
In addition, after I escalated this issue, PayPal limited my account and is repeatedly asking for verification again, which feels like retaliation and pressure.

I am filing this complaint because PayPal failed to protect me as a consumer, failed to properly investigate a deceptive charge, and is now limiting my account instead of resolving the issue. 
I am requesting : A full refund of {$39.00} A proper investigation of this merchant and this billing practice An explanation of why PayPal denied the dispute without providing evidence

Company response to consumer: Closed with explanation