vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Between approximately XX/XX/year> to XX/XX/year>, multiple credit card transactions totaling about {$960.00} were made at various merchants in the XXXX, Georgia area that I did not authorize. I retained possession of my physical credit card during this period and did not give permission to anyone else to use it. 

After discovering the charges, I reported them to Chase. Chase initially issued provisional credit but later reversed it. Chase stated that because the transactions were card-present XXXX chip transactions and because I continued to use my card for legitimate purchases during the same general period, the disputed charges must have been authorized. A Chase supervisor stated that I had to be physically present for the transactions and implied that the charges could not be fraudulent. 

I requested clarification and transaction-level information from Chase and disputed their conclusion. Chase did not provide evidence that I authorized the transactions and relied primarily on XXXX chip usage and inference rather than proof of authorization. I was also instructed to contact merchants myself. 

Because Chase questioned my credibility and denied the dispute, I filed an FTC Identity Theft Report documenting under penalty of perjury that the charges were unauthorized. I am seeking restoration of the disputed amount and correction of my account balance in accordance with the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 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: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I was notified via mail with a letter from Credit Corp Solutions of an outstanding {$3500.00} debt that is owed. The card was closed in XXXX and at that time I saw online and was instructed by a representative on the phone that there was a {$0.00} balance on the card and we closed the card. There was no outstanding purchases or anything made by me sitting in waiting to post. In XXXX of XXXX I received a letter from this company saying there was a balance of {$3500.00} owed and in collections. I then requested a detailed transaction history of these alleged charges and was sent the front page of statements which show late fees, interest and payment options. Upon calling I was instructed by one of Credit Corps representatives that they did not have a detailed transaction history and that one could not be provided. I was also sent a Response To Dispute and Verification Notice, Response To Duplicate Dispute and Credit Reporting Notice from said company. I then proceeded to check my credit score and noticed a report of {$6700.00} from XXXX XXXX XXXX and a {$530.00} report from XXXX XXXX XXXX, both of which I did not make or know anything about. These other two reports were reported in XXXX of XXXX to the credit agency and it has dropped my credit score significantly. I proceeded to freeze my credit and filed a police report for fraud with the XXXX XXXX XXXX  Department in XXXX of XXXX. Now I am reporting this to you on XX/XX/XXXX. I did not make this debt and had no knowledge of these amounts or where they came from.

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: Other features, terms, or problems — Problem with customer service
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am filing this complaint regarding how my credit card issuer has handled my concerns as an existing cardholder. 

I currently hold an active credit card/line of credit with this institution. When the issuer introduced new credit card products that offer rewards, I inquired about whether existing cardholders could be converted or transitioned to those products. I was told that I would need to reapply as if I were a new customer, which would require a new credit inquiry. 
I raised concerns because a new inquiry would negatively affect my credit. I am actively working to rebuild and protect my credit profile, and I am not seeking new debtonly fair access to comparable products without unnecessary harm. I asked why an existing cardholder with an established account could not be considered for conversion or an alternative solution. 

The issuer responded with a generic letter stating that my feedback had been shared internally, but my core questions were not answered. After that response, I sent follow-up correspondence and received no response at all. At this point, the lack of acknowledgment has become part of the problem. 
In addition, I have repeatedly requested goodwill consideration regarding a single late payment reported on my account. This was an isolated incident, not a pattern of delinquency. 

The account remains open, active, and is being paid down. Despite multiple requests, the issuer has declined to grant XXXX  consideration without providing a meaningful explanation or engaging with the substance of my request. 

I have remained a customer because this is my oldest credit relationship, and I want to continue building my financial future with this institution. However, being told that I am a valued member does not align with the experience I have had. 

Requiring reapplication that harms credit, denying goodwill review without explanation, and failing to respond to follow-up correspondence reflects poor customer service and a lack of transparency. 

I am submitting this complaint so that my concerns are formally reviewed and addressed, and so other consumers can understand how these policies and practices may affect them.

Company response to consumer: Closed with explanation
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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of a disputed debit card transaction and subsequent appeal denial despite new, material evidence.

A debit card transaction in the amount of approximately {$200.00} was posted to my checking account and attributed to XXXX on XX/XX/XXXX. I did not authorize this charge told Navy federal my card had been stolen. Even ordered multiple cards. I promptly filed a dispute with Navy Federal. During the initial dispute process, the charge was temporarily credited and later re-debited as an Adjustment Debit while the investigation continued.

I appealed the decision after the charge was re-debited. Navy Federal ultimately denied the appeal and closed the case, asserting that the transaction was valid. 

After the appeal was denied, I contacted XXXX directly to investigate the charge. XXXX  confirmed the following in writing/chat : My XXXX membership has not been active since XX/XX/XXXX There have been no payments, renewals, or charges on my XXXX  account since that date XXXX  has no record of the disputed transaction XXXX  confirmed they are not the merchant of record for the charge Despite this confirmation from the named merchant that the transaction does not exist and is not attributable to them, Navy Federal has closed my dispute and has not reconciled this contradiction or identified the actual merchant of record.

As a result : Funds were removed from my account The dispute was closed without proper investigation into merchant misidentification I have suffered financial harm and loss of access to funds The bank failed to investigate or trace the transaction after receiving evidence that the named merchant denies ownership I am requesting that Navy Federal be required to : Reopen and properly investigate this dispute as a merchant misidentification / no merchant of record error Trace the actual processor or merchant associated with the transaction Correct the disputed charge if the merchant can not be identified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I applied on XXXX for a rental house in XXXX. After application the owner reached out to me over text and sent me a video of the house being shown by a real estate agent. I confirmed that we wanted the house and were willing to sign and pay the security deposit prior to moving to XXXX  in XXXX. ( XXXX XXXX XXXX  move ) As a sign of good faith, the owner asked for the security deposit in the same email as the approval letter and lease agreement. The lease agreement contained the name XXXX XXXX XXXX which is on the properties documents following a public records search. The email I received these documents from was XXXX. Since I had not previously used XXXX, my daily limit was $ XXXX. I paid {$800.00} over two transactions that posted to my Chase account on XX/XX/XXXX. After waiting a few days for funds to transfer from my other account, I transferred another {$500.00}. It was at this point the supposed owner stated that they needed all of the money prior to meeting us at the house. The owner would not answer my phone call at XXXX. I then tried the first XXXX account which she claimed was her accountant at XXXX who was supposedly XXXX XXXX and no answer either. After this I explained that I wanted a physical signature on the lease agreement that had not been signed digitally before we would move forward. While waiting on their response, I returned to XXXX and tried to call the number listed as the management company and it went straight to voicemail. I then texted the owner back stating that I would not send anymore money until I could have a friend in Maine meet them there on saturday the XXXX of XXXX. They stated that they would like the transactions to be completed by then so they could give me the receipt for total payments from their accountant. At this point, I did not move forward because it felt wrong with them not answering a call but texting me back and wanting all the money prior to us meeting. I have since contacted Chase Bank and reported this situation as an Imposter Scam and they stated they could not recover the money since I was the one that sent the money. I contest that as I was coerced using fraudulent documents to send the total of {$1300.00} to the supposed owners of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I dont have the exact dates because I cant remember and dont have paperwork. I received the loan in XXXX  and it was for {$8000.00}. It's XXXX  years later and I still owe almost {$6000.00}! It makes no sense. I really need help to figure out what's going on! They even took me to court and sued me!

Company response to consumer: Closed with explanation
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: NC

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank, N.A.s handling of an unauthorized electronic funds transfer dispute involving a {$7500.00} XXXX transaction on XX/XX/year>. I filed disputes the XXXX when I noticed the unauthorized electronic funds transfers were processed from my Chase account. Today, Chase credited {$510.00} of the disputed activity but denied the remaining {$7500.00}, asserting authorization without providing substantiated evidence that I authorized, initiated, or benefited from that transaction. 
I did not authorize the {$7500.00} transaction. I did not receive or access the funds. My personal XXXX account was suspended indefinitely on XX/XX/XXXX of last year, as confirmed in writing by XXXX. As a result, I could not have accessed, used, or benefited from any XXXX deposit at the time of the transaction. 
The funds associated with the denied transaction were deposited into a XXXX account not owned or controlled by me. I do not have access to that account and can not provide transaction records for an account that is not mine. Chase has not substantiated that the receiving account belonged to me or that I derived any benefit from the transaction. 
I provided all documentation reasonably available to me, including a police report and written confirmation from XXXX regarding my account suspension. Despite this, Chase closed the claim with respect to the {$7500.00} without addressing these material facts. 
Chase was informed that denial of this credit would result in immediate housing instability for me and my one-year-old child. I am requesting CFPB review of Chases compliance with its electronic funds transfer error-resolution obligations and the adequacy of its investigation and determination. 

Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cashapp fraudently charged me {$25.00} for a debit that did not occur from my checking account. They claimed that my cashapp account was debited {$25.00} to cover the money withdrawn from account number XXXX. This is incorrect. I do not show a corresponding charge on the that account. This loan is bogus. I have been working with them for XXXX weeks trying to get this issue resolved. They are negligent in researching and resolving the issue. My account is overdrawn by {$25.00}. I expect them to resolve this issue and correct my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a credit card account with Comenity bank from Carter 's online store. I am a senior citizen who always pays my bills my XXXX  Score is over XXXX and never pay anything late. I purchased a gift for XXXX for my grandson on the Carters website for {$18.00} and it automatically charged this credit card. With the holidays and then I fell sick for several weeks I forgot all about this purchase until I received an email yesterday. I signed into the account which took me several attempts and for awhile I thought the email may be a scam site but I called Carter 's and they connected me directly to the Comenity credit card line. I explained about not seeing any statements in my email until yesterday and I only had made an {$18.00} purchase so how do I owe over {$80.00} now. She explained my bill is due on the XXXX of each month and the {$18.00} purchase was made on XX/XX/year> so I incurred late fees and interest charges since then bringing my total due to {$80.00} cents and the most she could do was waive a late fee charge of {$15.00} bringing my total to {$65.00} which I regrettably paid just to avoid any more fees but feel totally cheated and very angered after seeing multiple complaints on social media regarding this issue with Comenity Credit cards and many other stores since Bread Financial took over and how they are actually scamming people by not billing them and hitting them with these late fees.

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 with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card was charged for something that I didn't purchase or authorize

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am writing to formally document a serious issue with an incoming international wire transfer to my joint XXXX account and to request immediate action on the following matters. 

Background and Timeline : On XXXX, XX/XX/year>, a USD wire transfer was initiated from XXXX to my joint account at TD Bank. The transfer was rejected by my bank upon arrival. 

On the morning of Thursday, XX/XX/year>, I contacted my XXXX XXXX  ( TD Bank ) to verify the account details provided to the sender. My XXXX Bank confirmed that the XXXX XXXX, and the XXXX of the owner of the account ( as listed on the wire ) were correct and matched their records. 

Specifically, they advised that including only XXXX name ( instead of both names on the joint account ) should not cause a rejection, provided the name was not misspelled and all other details were accurate. 

Despite this confirmation, the transfer was rejected and returned. 

Upon return to the sending bank in XXXX ( received by them on Wednesday, XX/XX/year> ), the amount was short by {$1000.00} compared to the original sent amount. 

Key Concerns : The XXXX XXXX  ( TD Bank ) has been unable to explain the initial rejection reason, despite prior verbal assurance that the provided details ( including the single-name format on a joint account ) were sufficient. 
The returned amount is missing {$1000.00}, with no explanation of why this deduction occurred, how it happened, which institution ( s ) may have imposed or retained the shortfall, or what fees ( if any ) were applied. 
The XXXX XXXX ( TD Bank ) representatives have stated they have " no idea '' about the cause, how to trace it further, or who is responsible for the missing funds. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage was transferred from PHH Mortgage Services to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. PHH disputed and said it was supposed to be XX/XX/XXXX, but I received a welcome letter from XXXX in XXXX to set up online auto payments to start XX/XX/XXXX, which I did. However, PHH also still took my XXXX payment as well as XXXX. So I had {$2500.00} taken out twice on XX/XX/XXXX for the first payment of the new mortgage. PHH finally forwarded the funds they held for the XXXX payment to XXXX after weeks of waiting and they were then applied to XXXX 's payment by XXXX, so we got that settled. However, in the mean time, against the RESPA law that PHH representatives themselves told me about and assured me numerous times that I didn't need to worry about anyone reporting my loan as late because they couldn't report my loan late for 60 days during a transfer of a mortgage to another servicer, PHH still did report my XXXX payment as 30 days past due on XX/XX/XXXX, even though they were still holding those funds they took on XX/XX/XXXX. PHH held the funds until after XX/XX/XXXX, even though XXXX and I made numerous requests for the funds to be transferred to XXXX. I made numerous calls to the escalation department and sent PHH proof via email attachments that my credit scores dropped due to their inaccurate reporting of a late mortgage payment. Their last response via email on XX/XX/XXXX said that the loan is reported as current, which it is, however the late payment still shows up on the credit reports. I even had an attorney send them a letter on XX/XX/XXXX requesting they forward the funds and correct the inaccurate reporting of the late payment. I am still waiting for them to correct the credit reporting error.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I dispute the accuracy and completeness of this collection tradeline. The furnisher has repeatedly failed to provide competent evidence of legal standing/authority ( ownership/assignment or placement authority ) for this specific account and has only sent a generic statement that I owe the original creditor. Because the furnisher can not substantiate the basis to report this account, it is not verifiable. Under 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete information that can not be verified. Continued reporting also violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Please delete this tradeline, or provide the results and procedure details required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: WI

Complaint narrative:
XXXX XXXX a debt collection agency was hired from a former Apartment rental to collece {$690.00} from XX/XX/XXXX. I was evicted and settled with the Apartment rental after I sold my truck. I then saw this collection on my credit report on XX/XX/XXXX. No details. 
I do not want to contact them and give them any of my information. I am retired and barely living on my XXXX at {$1800.00} a month.

Company response to consumer: Closed with non-monetary relief