vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
a few years ago chase closed my account i think due to unusual fraud activity they sent me a letter stating that they are no longer doing business with me again now or in the further at first i didnt care i was at a bad time in my life now i am trying to right the ship they also told me i owed them about {$700.00} i could not afford that so they broke it in half and to {$310.00} i believe and told me a had 30 days to pay or it would be a broken promise and i said ok still could barley afford but i did pay it but they also told me i could have my account back now they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I entered a XXXX management program with XXXX and an agreement was made between Citi and XXXX to change my apr to 9.9 % and my monthly payment to {$480.00}. I was not deliquent prior to the XXXX, and have made additional payments to ensure due date discrepancy between incharge disbursement did not affect my account. The APR was updated but the total due each month was not. XXXX has been disbursing funds according to the accepted agreement with Citi without missed or late payment but Citi is reporting deliquent to XXXX. This is the only late payment on my credit report and it's a technical error on the part of Citibank. I have spoken to several departments, all of which say they have no ability to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
" I am filing this complaint because I am being denied services for a {$1800.00} laser package that was fully financed and paid through Healthcare Finance Direct ( Acc # XXXX ). The new administration, XXXX XXXX XXXX XXXX ( managed by XXXX XXXX and XXXX ), sent an email admitting that Ideal Image did not disclose their closure and that they can not perform my treatments because they do not have the required machinery. Despite their initial promise to honor all contracts, they are now refusing to provide the service or a refund, claiming they were 'misled ' during the acquisition. I have fulfilled my financial obligation as of XX/XX/year>, but the company refuses to honor the contract or return my money. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am requesting to open a new case due to insufficient response from Chase Credit Card Service. Chase has closed the case stating they need written statement from XXXX even though it appears that Chase has the refund. I am attaching pertinent information from the original case that was opened against Chase for the record. This issue involves a dispute between Chase Credit Card Services and XXXX regarding a refund issued by XXXX XXXX. I canceled three airline tickets due to scheduling conflicts, and XXXX XXXX processed refunds in the amount of {$800.00} per ticket. The refunds were initially sent to XXXX, which then forwarded them to my Chase Explorer credit card account. However, this account had been closed approximately two months after the tickets were purchased and five months prior to the refund being issued. As a result, Chase was unable to properly apply the refunded amounts. On XX/XX/XXXX Chase Credit Card Escalation Department confirmed that the funds were identified and Chase will be issuing a refund check within 2 weeks. This never occurred. The Escalation Department gave me a case ID XXXX which I have provided when I opened the original case with CFPB and Chase. Chase is now asking for a document from the merchant confirming that {$2400.00} was credited to account ending in XXXX to move forward. XXXX has provided me with the information which will be ATTACHED. XXXX also supplied trace information on XX/XX/XXXX which shows confirmation numbers for refund on XX/XX/XXXX. Confirmation numbers XXXX, XXXX & XXXX which was provided in the original Complaint ID XXXX. I am not sure what else I can provide Chase Credit Card Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I've submitted XXXX complaints ( XXXX / XXXX ) with specific requests in addition to the direct requests I sent via mail to Zion Debt Holdings LLC . Each correspondence from the debt collector was either vague, not what I requested, repeated/ automated responses, or declined to provide what requested, despite federal and XXXX precedence. I requested proof of a dunning notice within XXXX days of initial communication ( with initial communication being the agency adding the collection account to my credit report in XXXX ). Despite the request, the agency admitted the notice wasn't sent until XXXX in both complaints, well beyond the FDCPA requirement of XXXX days of initial communication. Also, I sent a letter requesting the bill of sale with this specific account, account-level schedule, assignment & assumption agreement , purchase & sale agreement, and complete chain of title. Court Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is an example of how a debt collector did not meet the burden of proof by not providing a bill of sale that has the correct references, no documentation linking original debt to the debt collector through successive assignments, and that mere possession of account data without proper documentation of ownership does NOT suffice. It appears that Zion Debt Holdings, seems to disregard and believe they are above federal and state regulations given the agency 's response stating they don't have to " validate. '' I also want to note I exercised my right under 1692g ( XXXX ) for " VERIFICATION '' but the agency is only mentioning " validation '' and courts recognize the difference. The agency offering half off on an alleged debt I owe them not only makes me suspicious of their claim of " owning '' the alleged debt, but it's a reason I asked for the bill of sale, purchase agreement, and other documents. The combination of the collector 's past consent orders with the state of XXXX as well as violating that very consent order for operating without a license now drives me to ask for proof of the proper bond to collect debts in the state of Texas. Since the agency doesn't want to provide proper " verification, '' I want clear and documented proof of the $ XXXX bond required as I am a XXXX resident.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
It started on XX/XX/XXXX when I had identity stolen when someone claiming to be from my company was able to get my social security number. They was able to hack into my email, phone plan, and Capitol One credit card account and charge my card {$470.00}. I called all the proper authorities and filed FTC and police reports. Capitol One did reverse the fraudulent charge and sent me a letter stating that they were able to close the fraud claim in my favor. Then on XX/XX/XXXX someone had requested my username for Capital One and used it change my password, pay off my bill using my linked bank account, and make a fraudulent charge of {$490.00} to the same company as before XXXX XXXX XXXX I again called Capitol One and informed them of what had happened. They said theyd refund me, but several months later and they still havent. Ive called repeatedly and they gave me the runaround. I then sent a letter with evidence of what had happened, so that they could properly investigate it. They sent me an email on XX/XX/XXXX with a case number stating that they would be opening a case and that they would notify me via email when they had a resolution. However whenever I searched for the case number nothing would show up. On XX/XX/XXXX while looking at the tracking to see if there was any updates I noticed that the case had been closed on XX/XX/XXXX and I had never received any paperwork or email about any of it. Capitol One was called to see what was going on and they said theyd refund werent sure. To this day I have not received anything about my case and why they closed it. I also reached out to XXXX company to see if they were able to refund me and they refused and said to contact my credit card company. To this day I have yet to receive a refund or any information as to why that is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing this formal complaint due to Bridgecrests bad-faith withholding of insurance proceeds, which has resulted in the loss of use of my vehicle and potential financial liability for storage fees. On or about XX/XX/year>, Bridgecrest received a multi-party insurance check from XXXX XXXX for repairs to my vehicle ( VIN : [ Your VIN ] ) following an accident where I was the not-at-fault party. I have confirmed that Bridgecrest cashed this check. Despite the fact that Bridgecrest has already secured these funds, they have refused to release payment to the automotive repair facility for over 30 days. The repairs are 100 % complete. Bridgecrests refusal to pay for completed work on their own collateral is a violation of the loss-draft process and constitutes the wrongful withholding of funds. Evidence of Deceptive Practices : Broken Promises : On XX/XX/year>, a Guest Relations agent assured me the check would be sent via overnight mail. This was a false statement. Conflicting Information : Two weeks later, after the check failed to arrive, agents claimed it was sent " regular mail. '' Obstructionist Tactics : Today, XX/XX/year>, Bridgecrest agents admitted the check was never sent at all and claimed they " need more information '' despite already having cashed the insurance check and having the repair estimate in their possession. Harm Caused : By cashing the check but refusing to pay the shop, Bridgecrest is effectively holding my vehicle hostage. I am being threatened with daily storage fees and am unable to retrieve my primary mode of transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I receive an updated copy of my credit report from all three credit bureaus with inaccurate balance amounts on charged off and hard inquiries and closed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I received a XXXX payment of {$500.00} from a sender named XXXX XXXX. This was a voluntary and authorized transfer intended for a mutual acquaintance. I acted as an intermediary and immediately transferred the full {$500.00} to the third party on the same day. I did not keep any of the funds. On XX/XX/year>, the sender filed a false fraud claim with her bank, claiming the transaction was unauthorized. Capital One reversed the {$500.00}, leaving my account with a negative balance of - {$500.00}. I have evidence, including transaction history and voice recordings, proving the transfer was authorized and that this is a retaliatory action following a personal dispute. Additionally, the bank sent a link to verify my identity to resolve this, but the system repeatedly failed to accept photos of my passport and ID. I am requesting that the {$500.00} charge be reversed and my account access be fully restored, as I am a victim of a false fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and retired. I live in XXXX XXXX, Florida. I saw on my credit report that two collection companies are collecting old debts and the information does not match between bureaus, the same account appears with different data at each place. Portfolio Recovery Associates is collecting XXXX dollars for an old XXXX XXXX account. The date that appears in XXXX bureau is XX/XX/year>, but in other bureaus a completely different date appears and that can not be right. XXXX XXXX, also known as XXXX, is reporting another old account with XXXX balance but the information is also different between the three bureaus. The strangest thing is that this account clearly says it was sold to another company called XXXX years ago, but XXXX XXXX keeps reporting it as if it were theirs. If they sold it, it should not be theirs anymore. This is hurting me because I can not get credit and I can not move forward to buy my own home. What I am asking is that these two companies stop reporting these accounts because the information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I am filing a complaint regarding an alleged debt being collected by Penn Credit Corporation. I have received collection notices regarding toll charges tied to license plates and/or a vehicle that I no longer owned or possessed at the time the charges were incurred. I dispute this debt and have requested validation. The collector is attempting to collect a balance of {$2700.00} without providing sufficient proof that I was responsible for the vehicle at the time of the alleged tolls. This situation appears to involve inaccurate or outdated vehicle ownership records and improper collection activity. I am requesting : Full investigation of this matter Verification of the debt and ownership timeline Immediate cessation of collection efforts if the debt can not be validated Removal of any related negative credit reporting I believe my rights under the Fair Debt Collection Practices Act have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am submitting an update to my existing complaint regarding this account. Since my original complaint, the situation has escalated significantly and remains unresolved. Key issues : I submitted a formal dispute on XX/XX/year>, and a follow-up on XX/XX/year>. I was advised I would receive a response within 14 days. I have received no response to date. I sent an additional written notice on XX/XX/year>, again requesting clarification and documentation. No response has been provided. Since that time : Autopay has not processed for multiple billing cycles despite no changes made by me. I have not received any account statements, payment reminders, or delinquency notices. I attempted to access my account online and was informed that my account is not authorized for access. Despite these issues, the account has now been reported as XXXX days late. This account is currently marked as disputed, yet the servicer continues to report escalating delinquency while failing to respond to my dispute or provide any means for me to manage or make payments on the account. Additionally, this loan is tied to a solar system that has been disputed due to installation issues, misrepresentation during the sales process, and ongoing unresolved defects. These issues involve multiple parties, including XXXX ( originating sales entity ) and XXXX XXXX ( installer ), further complicating the matter. At this point, the reported delinquency appears to be the result of servicer failure, including lack of communication, failure to process payments, and restricted account access, rather than borrower nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclays denied my credit application based on a legacy account from XXXX that was discharged in bankruptcy over XXXX years ago. I verified that this account does not appear on any credit bureau, and neither XXXX ( which later handled co-branded portfolios ) nor XXXX XXXX XXXX XXXX can locate any record tied to my SSN today. Barclays is relying on internal data that is not externally verifiable and is no longer reportable to deny credit indefinitely. I understand lenders can set risk policies, but I am requesting : - Documentation that verifies the account and its linkage to me ; or - Reconsideration/exception review given the age ( XXXX years ), discharge status, and absence of verifiable records ; and - Confirmation that any internal negative flags are accurate and appropriately applied. I am seeking a fair review based on current, verifiable information and a clear explanation of how this policy is applied over time.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Bank has denied my claim to retreive my fradulent wire that happened under fraudulent inducement. Bank failed to protect against suspicious activity. I am requesting escalation and supervisory review. The scammer still contacts me and admits to the wrong doing and the bank can not to anything about it they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
The Company, Central Portfolio Control, called me on my personal number about a debt that was bogus. Within XXXX minutes they called me on an unlisted work phone number that is not associated with me in any way outside of work. It is not on any applications or forms they could have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : * 15 U.S.C. 1681i You are required to conduct a reasonable reinvestigation of disputed information. * 15 U.S.C. 1681e ( b ) You must follow reasonable procedures to assure maximum possible accuracy. * 15 U.S.C. 1681c-2 You are required to block reporting of information resulting from identity theft within 4 business days of receiving proper documentation. * 15 U.S.C. 1681s-2 Furnishers of information must provide accurate data and correct errors promptly. This account is not mine, and I did not authorize or benefit from it in any way. Reporting this account is a direct violation of federal law. I demand that you : 1. Immediately block and delete this account from my credit report. 2. Provide me with written confirmation of deletion. 3. Supply copies of any documentation used to verify this account, including the method of verification. Failure to comply with these federal obligations will result in complaints filed with the Consumer Financial Protection Bureau and potential legal action for willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of a XXXX scam dispute involving goods not received and deceptive business practices. On XX/XX/year>, I sent {$700.00} via XXXX for a XXXX XXXX top from a seller identifying as XXXX XXXX XXXX XXXX. Prior to payment, the seller confirmed that {$700.00} was the total cost including shipping. After payment, I discovered the XXXX recipient name was XXXXXXXX XXXX which did not match the business name provided. The following day, the seller demanded an additional undisclosed {$450.00} crate fee or {$1000.00} crate purchase fee that had never been disclosed prior to payment. The merchandise was never delivered. I promptly reported the matter to Navy Federal Credit Union and provided supporting screenshots documenting : The agreed total price The mismatched payment recipient name The post-payment fee demand Despite these documented facts showing misrepresentation and deceptive conduct, Navy Federal denied the claim on the basis that the XXXX transaction was authorized, without meaningfully addressing the deceptive circumstances surrounding the transaction. I am requesting review of Navy Federal Credit Unions handling of this dispute and whether appropriate consideration was given to the documented misrepresentation, goods not received, and deceptive post-payment fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation