vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: TX

Complaint narrative:
On XX/XX/scrub>, 2025, I placed an order withXX/XX/XXXXXXXX ( Order XX/XX/XXXXXXXX ) using XX/XX/XXXXInstallments serviced by XX/XX/XXXX. Shortly after the purchase, the merchant contacted me stating that the price listed on their website was incorrect and requested that the order be canceled. I agreed to the cancellation. The merchant confirmed that the order was canceled and later confirmed in writing that the product was never shipped. Despite the cancellation and the fact that no goods or services were delivered, my {$79.00} down payment was never refunded. The loan associated with this canceled order was later marked overdue and sent to collections by XXXX. I contacted both the merchant andXX/XX/XXXX to resolve the issue. The merchant acknowledged that the order was never shipped but stated they could not issue a refund due to a chargeback issue with their payment processor. XXXX declined to dispute the loan because it was outside their XXXXday dispute window. This is not a dispute over a completed transaction. The order was canceled by the merchant and never fulfilled, so there is no valid underlying debt. I am requesting that the account be corrected to a {$0.00} balance, recalled from collections, and that any negative credit reporting related to this loan be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Here is a professional but firm dispute letter you can send to Chase through their Secure Message Center or by mail. It focuses on the misrepresentation in the app versus the letter they mailed. Subject : Dispute of A-List / XXXX XXXX Qualification Determination Dear Chase Card Services, I am writing to formally dispute the determination regarding my qualification for the XXXX XXXX XXXX benefits associated with my Chase credit card spending. During the XXXX calendar year, I spent approximately {$75000.00} on my Chase XXXX credit card, based on the understanding presented within the Chase mobile app that the qualifying spending period ran through XX/XX/year>. My spending decisions throughout the year were made in reliance on the information displayed in the app regarding the qualification period for the applicable benefits, including XXXX XXXX and XXXX XXXX status. Recently, I received a letter indicating that the qualifying calendar period allegedly began in XX/XX/year>, which conflicts with the information that was clearly presented in the Chase app at the time I was making these purchases. At no time during the year did the app indicate that the qualifying period had shifted to an XXXX start date. If that information had been presented accurately, I would have adjusted my spending behavior accordingly. Because the app represented XX/XX/year> as the relevant cutoff period, I reasonably relied on that information when directing substantial spending to this card. It is therefore concerning that Chase is now attempting to deny the benefits after the fact based on a different timeline that was not communicated to me during the spending period. Given the significant annual spending of approximately {$75000.00}, and the reliance on the information provided through Chases own platform, I respectfully request the following : 1. A formal review of my account and spending activity for XXXX. 2. Clarification regarding the discrepancy between the qualification timeline shown in the Chase app and the timeline stated in the mailed letter. 3. Honor the benefits and status associated with the qualifying spend, including XXXX XXXX and XXXX XXXX eligibility, based on the information that was represented within the Chase app. I value my relationship with Chase and have directed significant spending to this card in good faith. I hope this matter can be resolved promptly and fairly. Please let me know if any additional documentation or screenshots from the app would assist in reviewing this issue. Sincerely, XXXX XXXX Chase XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had an inheritance with XXXX XXXX, XXXX of XXXX XXXX. XXXX sent me a notice stating that they transferred the amount on XXXX XXXX, XXXX to my Citibank checking account as instructed by me. After about a month of following up with both sides Citibank told me they received the information requested from XXXX to enable Citibank to locate the funds. Citibank then followed up with me stating they will have information for me within a week. XXXX then told me that they had received information from Citibank stating that they received the transfer. Nevertheless, the money was not in my account. When I asked Citibank again about the transfer they told me they were unable to locate it. I have run out of options on how to locate the whereabouts of the funds. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Block, Inc.
State: FL

Complaint narrative:
My dispute was denied without a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Hi, Subject : Formal Complaint Regarding Fraudulent Account Reported in My Name I am writing to formally raise a complaint regarding an account reported under my name by Spring Oaks Capital that I discovered on my credit report in XXXX. Upon noticing this entry, I contacted your office to understand the details. During the call, I was informed that the account is a private loan for {$6000.00}. However, I want to clearly state that I never applied for, authorized, or received this loan amount. I requested verification details, and based on the information provided, the bank account where the funds were deposited does not belong to me. Additionally, the phone number, email address, and employer details associated with this account are not mine. I have no knowledge of how this loan was opened under my name. The only possible explanation I can suspect is potential mail theft or vandalism at my previous residential address, which may have resulted in someone fraudulently using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have done nothing wrong, and US Bank has closed my account with no clear answer, only saying that they closed it because I violated their terms. ( letter in the mail ) I called them on the phone and they repeated the same thing. No they are holding my money hostage which can take months or longer. They have no clear time when the investigation will end which is the worst part. I can't wait that long with obligations and will no longer trust that bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: CA

Complaint narrative:
I am submitting this complaint regarding my federal student loan account serviced by Edfinancial Services and the inaccurate late payment reporting that has negatively impacted my credit. My student loans were previously in forbearance. When the forbearance period ended in XX/XX/year>, I was not properly notified that payments had resumed. At the time, my loan servicer had an incorrect mailing address on file, which included my old apartment number. Because of this error, I did not receive any mailed notices indicating that my payments were due again. I only became aware that payments had resumed after my credit score dropped significantly due to reported 90-day late payments on my credit report. Prior to this, I had every intention of keeping my account current and had no knowledge that the forbearance had ended. Once I discovered the issue, I immediately began making my required payments and have remained current on the account since that time. Despite this, the late payments continue to be reported on my credit reports, which has caused serious financial harm. I have been denied access to credit and personal loans despite otherwise maintaining a strong credit profile. I have contacted Edfinancial Services directly to explain the situation and request assistance, but they have refused to help correct the issue. I also requested documentation or proof showing that they attempted to notify me that my account had become past due, but they have not provided any evidence that proper communication was sent. Under federal student loan servicing standards, borrowers should receive clear and timely notification when repayment resumes and when accounts become delinquent. Because the servicer had an incorrect address on file and can not provide proof that proper notification was sent, I believe the negative credit reporting in this situation is unfair and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I previously had an auto loan with Westlake Financial Services that was later satisfied and paid in full. After the loan was resolved, Westlake issued what they described as a repo filing fee, which they are reporting as a delinquent balance. This fee is the only remaining item associated with the account. My credit reports now show that the account was charged off and transferred to XXXX XXXX XXXX. However, the vehicle title remains encumbered by a lien. The XXXX DMV vehicle record still lists Westlake Financial Services as the lienholder. When I contacted Westlake Financial Services, I was informed that XXXX XXXX XXXX now holds the lien. However, XXXX XXXX XXXX has not provided documentation confirming that they hold the lien or explaining the process required to obtain a lien release. Because of this conflicting information, I am unable to sell or transfer the vehicle. The loan itself was satisfied, but the title remains encumbered and neither company has provided clear documentation confirming who currently holds the legal lien authority. I also previously requested validation of the debt from XXXX XXXX XXXX but have not received documentation confirming lien ownership or the basis for the alleged remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
b"Dear Dispute Department,\n\nI am writing to formally appeal the decision regarding the dispute for the transaction listed below, which was recently denied.\n\nAccount Holder Name: XXXX XXXXXXXX XXXXAccount Number (last 4 digits): XXXXXXXXMerchant Name: XXXX XXXXBank name: Current bank \nTransaction Date: XXXXTransaction Amount: $XXXXI respectfully request that this dispute be reviewed again, as I believe the decision was made without fully considering the circumstances and supporting information regarding this transaction.\n\nThe reason for my original dispute is that this charge is unauthorized for services not received and not as described. I also did not benefit from this transaction in the manner presented by the merchant.\n\nSince filing the dispute, I have reviewed the situation further and maintain that this charge is invalid for the following reasons:\n\n- I was ignored by the merchant when I expressed that I was not notified PRIOR to paying the XXXX that there would ALSO be a monthly fee to continue getting the service. \n- I was lead to believe that the services would begin after XXXX was paid and that was all that needed to be paid. They only notified me of an additional membership fee AFTER I paid XXXX, and if I would have known that I wouldn't have done business with them. \n- Realizing they had my money already I notified them via text that I would pay the membership to continue services but I was IGNORED AGAIN. \n- I have proof of text messages between myself and the merchant, confirmation of payment with no details prior of a membership fee, and emails sent AFTER the XXXX payment was made. \n\nUnder the protections provided to consumers for electronic and credit transactions, I am requesting that this matter be reinvestigated and that the supporting documentation provided by the merchant be reviewed carefully.\n\nIf the merchant provided documentation to support the charge, I would also like to request copies of the evidence used to deny my claim, including any receipts, authorization records, or correspondence.\n\nPlease reopen this dispute and conduct a thorough review of the information. I am prepared to provide any additional documentation necessary to support my claim.\n\nThank you for your time and attention to this matter. I look forward to your response and a fair resolution.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I booked a room with XXXX XXXX XXXX XXXX in XXXX Oregon through XXXX. Upon arrival, I paid for the room, in full ( {$370.00} for 4 days ) XX/XX/XXXX. Dark hair was discovered all over the pillows on the bed and general uncleanliness throughout. We checked out the next day and asked for a refund for days not spent there. The person at the front desk stated the manager was out of town and the only one capable of providing a refund ( {$280.00} for three nights not used ). I went back to the hotel the next day and another person said they would get the manager on the phone. A male voice on the phone identified himself as the manager, stated he was out of town and I should go through XXXX, despite my payment going directly to the hotel. Seeing I was getting nowhere, I contacted XXXX, who said I have to get a refund from the hotel. Agreed. As I had no luck through the merchant or XXXX, I contacted my credit card company, Comenity on or about XX/XX/XXXX. On XX/XX/XXXX Comenity responded, through their on-line account portal, they had begun an investigation. Comenity has my email and phone number and was supposed to communicate through that email. Ive not received one email from Comenity about this dispute. Another portal message was sent XX/XX/XXXX asking for additional information. I didnt see the message until XX/XX/XXXX, as I am only on their site to pay the bill. I called immediately asking what further information I could provide. I was told, telephonically, information couldnt be taken over the phone and the dispute was under investigation. I was told I would receive an email when it was completed. On XX/XX/XXXX there was another portal message stating the dispute was being investigated and I would be notified via US Mail. ( Person I spoke with said I would be emailed ) When I checked the message portal in the last few days, I found a message from XX/XX/XXXX stating there was insufficient evidence to support my claim and it was being closed. I called Comenity again XXXX to ask what further info they could possibly need that I had not provided. The supervisor I ended up speaking with asked for information already provided, so I was at a loss. They were oblivious to my questioning of there being no evidence to back this disputed charge and seemed to not care if I took my business elsewhere. All over a {$280.00} charge. I dont care about the money. I care about the experience. Ive been on this planet a couple years and have never experienced a worse credit card company. Attached is all correspondence with Comenity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Balance paid in full. Interest fees applied after payment was submitted. Customer service representative stated interest fees still apply since monthly payment was made 5 days after due date ( XXXX of each month ). How can interest be applied if the balance was paid the same day? 5 day late payment should not impact interest fees. They had already charged me a late fee payment even though it was mere days later ( due on XXXX, paid off entire balance on XXXX ). So I was charged a late payment fee AND interest. It says {$170.00} is due on interest on a balance that was PAID IN FULL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> my debit card was being used fraudulently. The group that was using my debit card notified me that my card was being used fraudulently with a text appearing to be from Wells Fargo. They then contacted me and told me that there will be a XXXX transaction coming through and in order to offset the amount being fraudulently sent I would need to send four payments to a fictitious account. It didn't make sense to me, but I assumed that they were part of Wells Fargo 's fraud department. So I sent the funds as follows : XX/XX/XXXX in the amount of {$390.00} XX/XX/XXXX in the amount of {$490.00} XX/XX/XXXX in the amount of {$490.00} XX/XX/XXXX in the amount of {$490.00} They asked me to send a fifth amount for {$490.00}, but the actual Wells Fargo blocked the transaction. The fraudulent group told me that my computer was hacked and that I needed to allow their IT department to trouble shoot my computer. That is the point that I became suspicious, so I called Wells Fargo and they notified me that I was being scammed. This scam group was very convincing and there were multiple people involved in the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation