vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a XXXX XXXX phone from XXXX in XXXX XXXX California that came with a free year of XXXX XXXX XXXX. I followed the instructions to start the service, and although it was at XXXX charge for XXXX year, they required a credit card and I provided my Chase card information. Although I was not supposed to be charged, XXXX charged me a first charge of XXXX in error for the first month ( which was outside the claim window when I submitted the claim to Chase ), the subsequently billed the next XXXX months $ XXXX, then increased the billing to {$290.00} for the month of XXXX, which bounced and caught my attention when I filed the claim. I filed a timely dispute, the merchant provided XXXX documentation or proof to counter your claim, and Chase ruled in the merchant 's favor solely because the merchant " disagreed. '' The I attached an email chain regarding the dispute. XXXX doesnt answer my question by providing the language in their policy that prohibits refunds in this case, simply saying refunds are not generally available. That does not mean they are never available. Chase customer service stated they are refusing to process a second dispute because they are 'unable to recover the funds ' from the merchant, shifting the financial liability of a failed merchant collection onto the consumer in violation of the XXXX. When I attempted to escalate this clear violation of the XXXX to a supervisor on XX/XX/XXXX, the representative XXXX XXXX XXXX XXXX refused, stated Chase would call me back within a business day, and actively requested that I stop recording the conversation after Chase had already initiated its own call recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: GUARANTEED RATE INC.
State: ID

Complaint narrative:
We received a conventional mortgage loan first a new house. Our loan officer ( who also happened to be our real estate agents husband she sent us to him ) with XXXX was told by us immediately that we would want to pay the loan off within a month as soon as we closed on the current house we were selling. He told us we had to make 6 months worth of payments over 6 months period time on the loan no matter what. He told us this multiple times. When we got the note to sign it stated we had no payoff penalty. We asked again for clarification. He told us again we had to make 6 months of payments over 6 months. He said we could pay a large amount of principal but we not allowed to payoff fully. If we paid it off wed have large fees. He told us this multiple times during various phone calls while the loan process was happening. We believed him as he is supposed to be helping us. On an email dated XX/XX/year> I asked for clarification again as we wanted to payoff the loan with our first payment in XX/XX/year>. He stated again we could not pay it off for 6 months. We have now found out that the 6 month penalty he told us about is a lie. We called customer service after the loan was given to ask about the 6 months of payments as we were still confused and they informed us that was not at all a thing. XXXX XXXX was our loan XXXX at XXXX and lied to us for his personal gain. We were told we could not payoff our loan for 6 months and there would be penalties if we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I discovered that Ford Motor Credit was reporting an auto loan on my credit repor ts that I did not authorize, apply for, or obtain. The fraudulent account is related to identity theft that occurred during and as a result of my victimization through XXXX XXXX After discovering the account, I notified Ford Motor Credit that the loan was fraudulent and explained that my personal identifying information had been compromised as a result of XXXX XXXX. I provided supporting documentation and requested that the account be investigated and removed from my credit reports. Despite being placed on notice that the account was the result of identity theft and XXXX-related fraud, Ford Motor Credit continued reporting the account and failed to remove it from my credit profile. The company has not provided sufficient evidence demonstrating that I personally applied for, signed for, or authorized the loan. The continued reporting of this fraudulent account has damaged my credit profile and has negatively affected my ability to obtain credit and financial services. I am requesting that Ford Motor Credit conduct a reasonable investigation, provide all documents used to open the account, including any applications, signatures, identification documents, and vehicle purchase records, and immediately cease reporting the account if it can not verify that I personally authorized the loan. I am further requesting that Ford Motor Credit delete the account from XXXX XXXX XXXX XXXX and provide written confirmation that I have no liability for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank is refusing to answer fraud lines, leaving my account vulnerable to ongoing theft.

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 2026-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
Ability Recovery Services is reporting a medical collection to XXXX ( Account : XXXX ). I never received any itemized bill, notice of debt, or initial communication about this medical charge. I was never given the opportunity to review or dispute the debt as required under 15 U.S.C. 1692g. I disputed the account with XXXX on XX/XX/year> and XX/XX/year>, and the furnisher verified the debt without providing any documentation, itemized billing, proof of identity/responsibility, or proof that they have the legal right to collect this debt. I requested validation of the debt, including itemized charges and proof of notice, but the company did not provide any of the required information. I am requesting that the CFPB require Ability Recovery Services to provide full validation of this debt. If they can not validate it, I am requesting that the account be deleted from all credit bureaus.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MA

Complaint narrative:
Subject : Failure to honor Visa Dispute Regulations ( Code 13.3 ) for Defective Merchandise Transaction Date : XX/XX/year> Dispute Amount : {$150.00} Merchant Name : XXXX XXXX XXXX XXXX Description of Event : On XX/XX/year>, I purchased a cellular phone from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX using my XXXX XXXX debit card ( issued by XXXX XXXX ). Upon inspection, the device was completely defective. I returned to the merchant in good faith to request a refund or a functional replacement. The merchant explicitly verified and acknowledged the defect in person, but unconditionally refused to issue a refund or replace the device, ultimately ordering me to leave the premises. Due to the merchant 's refusal to remedy the sale of defective goods, I initiated a dispute directly through Cash App. Cash App denied my dispute, stating the denial was due to the fact that " the merchant will not approve the dispute. '' Cash App 's justification for denial is an abdication of its responsibilities as a card issuer. The Cash App debit card operates on the Visa network, and my claim clearly falls under Visa Chargeback Reason Code 13.3 ( Defective Merchandise ). Under Visa operating regulations, a merchant does not hold unilateral veto power over a valid dispute when they have sold a defective product. Furthermore, I am well within the required dispute windows. Today is XX/XX/year>, establishing a XXXX timeline from the original transaction. This falls safely inside the 120-day limit permitted by Visa regulations for Code 13.3. Cash App and XXXX XXXX are deferring to a hostile merchant rather than investigating the claim and enforcing the network rules governing defective merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MT

Complaint narrative:
For multiple years I have not been able to use mobile check deposit on this bank account. I've tried calling and chatting in countless times to correct this. They always tell me they don't know why I am unable to deposit and that I am simply a " high risk '' banker. When I ask for reasoning they never provide this and simply say there isn't anything they can do and that I am " high risk ''. This has caused me to open alternative bank accounts, be charged check cashing fees, and just alot of hassle. They do not have a physical location for me to deposit checks so that isn't an option either. They are denying my check deposit for no reason. This appears discriminatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
On XX/XX/year> and XXXX I sent emails to XXXX regarding a disputed transaction and the status of their inquiry into this dispute. I received no response. The dispute was regarding a {$300.00} gift card that was purchased but which was subjected to a Hold and eventually released with only {$200.00}. When I inquired about the missing {$100.00} I was told that a purchase had been made at XXXX. I disputed that purchase and the card was frozen. No further communication has been forthcoming from XXXX after I was told not to use the card and that the dispute would be resolved in 45-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Legacy Customer Management Group, LLC
State: MO

Complaint narrative:
Got a call from a third party saying my property had a complaint against it. Third party isnt involved in or on any property won

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Regions Bank utilized the right of set-off to seize an anonymous cash deposit from an active joint account to satisfy an old closed-account dispute. Regions processed this seizure without adequate notification, deliberately driving the active account into a deep negative balance and forcing a vital mortgage payment to bounce. This predatory ordering of transactions has caused immediate, severe secondary financial harm, violating fair banking practices and triggering punitive overdraft fees. This Happened today XX/XX/year> XXXX

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 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/XXXX, I financed a couch for {$2100.00} from a furniture store using a Synchrony Bank credit card tied to a deferred promotional financing plan. Despite making consistent monthly payments of {$100.00} to {$120.00} every single month for 61 months, totaling approximately {$6100.00} to {$7300.00} paid directly to the account, Synchrony Bank claims I owe an outstanding balance of {$3100.00}. This paradoxical balance is a result of deceptive deferred interest practices, compounded by high interest rates. Furthermore, I discovered the bank has been charging an ongoing XXXX XXXX " Credit Card Protection '' fee to this account. I never authorized or signed up for this add-on product. I formally requested proof of authorization, and in written correspondence dated XX/XX/XXXX, Synchrony Bank explicitly admitted they are " unable to locate the specific sales receipt ( s ) '' or signature validating my enrollment in this protection program. Because they have no legal authorization to charge this XXXX XXXXXXXX fee, I am demanding a full audit, the removal of this add-on service, and a credit for all protection plan fees charged over the life of the account ( equating to roughly {$3000.00} ) plus a reversal of the interest that accrued specifically on those unverified fees.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX. Box XXXX, XXXXXXXX XXXX XXXXXXXX. RE : FORMAL NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern : I am in receipt of your collection attempts regarding an alleged debt. I hereby formally dispute this debt in its entirety and demand immediate validation. Despite your collection efforts, you have failed to provide any competent evidence that I owe this debt, that the amount claimed is accurate, or that your company has any legal authority to collect it. Mere assertions, account statements, screenshots, or internal records do not constitute proof of a valid debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide : A copy of the original contract or agreement bearing my signature. Complete documentation establishing my legal obligation for the alleged debt. The name and address of the original creditor. A complete accounting of the amount claimed, including all fees, interest, and charges. Documentation proving your authority to collect this debt, including any assignment or transfer records. Evidence that you are licensed and authorized to collect debts in my jurisdiction, if applicable. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, any information furnished to consumer reporting agencies must be accurate and capable of verification. If you have reported this account to any credit reporting agency without possessing adequate documentation to substantiate your claim, you may be furnishing inaccurate information in violation of federal law. Be advised that I will not acknowledge, assume, or accept liability for this alleged debt without proper validation. Until such validation is provided, you must cease collection activities concerning this account. If you are unable to provide the requested documentation, I demand that you : 1. Immediately cease all collection efforts. 2. Remove any negative tradelines, inquiries, or reporting related to this account from all consumer reporting agencies. 3. Provide written confirmation that the account has been closed and returned to the creditor or permanently withdrawn from collection. Failure to provide competent evidence of this alleged debt while continuing collection efforts or credit reporting may constitute violations of the FDCPA and FCRA. I reserve all rights available under federal and state law, including the right to pursue complaints with regulatory agencies and any remedies available for unlawful collection or reporting practices. This letter is not a refusal to pay. It is a formal dispute and a demand for validation. No admission of liability is made or implied. All future communications regarding this matter must be made in writing. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I contacted my credit card issuer to dispute interest charges totaling {$72.00}. During the call, the representative stated that because I had not paid the full statement balance, interest was applied to the entire amount rather than just the remaining {$500.00}. I contested this policy, noting that it is standard practice to calculate interest only on the outstanding balance. Despite my request for a formal written explanationand emphasizing that as a senior citizen, I require written documentation for claritythe representative refused to provide any information via email or mail, suggesting only that I take notes during our call. I am writing to formally request a clear, written explanation of these interest calculation practices and to seek a resolution regarding these 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 2026-06-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: LA

Complaint narrative:
I signed up with Freedom Debt Relief and was told they would contact the credit card companies and negotiate a settlement. I had never missed a payment with the credit card companies and had a credit score of XXXX to XXXX. I was making a little more than the minimum payment and was in good standing. FDR said if I deposited XXXX a month they would pay all the cards off in 48 months. They did not make a payment or settlement agreement until all 3 credit cards were 120 days delinquent and charged off by the credit card companies. Then they started paying XXXX XXXX a month. My credit went to XXXX and is ruined now. I just canceled with FDR and called each credit card company, none of them even showed I had an account with them. My credit is ruined and FDR was taking XXXX plus in fees. They lied about what they would do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, the GM Financial account reflected that the vehicle loan obligation had been satisfied and showed a paid-off status. Based on the information displayed by GM Financial, I reasonably understood that the payment submitted had been received, accepted, and applied to the account. On XX/XX/year>, the account status changed and a balance again appeared as allegedly due. No written explanation was provided regarding why the account changed from a paid-off status to a balance due status. I contacted GM Financial seeking clarification and requested information regarding the account status, payoff posting, payment application, transaction history, account adjustments, reversals, and any actions taken after the account reflected paid-off status. The requested information has not been fully provided. I am requesting a complete accounting of the account, including all payment records, payoff calculations, transaction history, credits, debits, adjustments, reversals, internal account notes, and documentation supporting any change in account status. If any payment, payoff, or credit was reversed, rejected, adjusted, or otherwise modified, I request documentation identifying the date, amount, reason, and authority for that action. I request that GM Financial investigate the account, provide a written explanation regarding why the account reflected paid-off status and later reflected a balance due, and correct any inaccurate account records.

Company response to consumer: Closed with explanation