vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I used my American Express credit card to purchase a one-way airline ticket from XXXX for {$510.00}. 

Within XXXX hours of booking, on the same day, I contacted XXXX customer service to cancel the reservation, following their stated instructions for XXXX flights. I did not check in, did not travel, and did not receive any service. XXXX did not issue any refund. They only offered to refund {$33.00} in taxes, which I declined. 

I then disputed the {$510.00} charge with American Express, providing documentation including screenshots of my cancellation attempt and proof that no service was received. American Express denied the dispute, stating that the merchant refunded {$100.00}. This is incorrect. The {$100.00} credit on my account came from an American Express promotional offer ( Spend {$500.00}, get {$100.00} back ), not from XXXX. 

I reopened the dispute and submitted additional documentation clarifying this factual error, along with evidence showing I canceled within XXXX hours and was not a no-show. Despite this, American Express closed the dispute again without addressing the new evidence and repeated the same incorrect conclusion.

American Express has not provided a substantive explanation addressing the factual errors or why the submitted evidence was not considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Bank of Americas improper placement of an extended hold on a cashiers check deposit and the resulting financial harm. 

On XX/XX/year>, I deposited a cashiers check issued by XXXX XXXX XXXX at the Bank of America branch on XXXX XXXX in XXXX, New Mexico. These were certified, verifiable funds, and the amount was below the hold threshold ( {$5600.00} ) as confirmed by a Bank of America customer service agent. At the time of deposit, I received a printed receipt stating that the funds would be available the next business day. 

Relying on this written confirmation, I scheduled payments intended to pay off outstanding credit card balances. The following morning, I discovered that Bank of America had placed an extended hold on the deposit, delaying availability for a total of XXXX business days, XX/XX/year>. 

I contacted Bank of America immediately and was informed that there was no option to release the funds and that I would have to wait. I have prior experience working in retail banking and am familiar with Regulation CC and standard funds availability requirements. Given the nature of this deposit and the written next-day availability notice I received, the extended hold was unjustified. 

As a direct result of Bank of Americas actions, my scheduled payments were returned and I incurred fees from my creditors. I did not receive timely or formal notice explaining the extended hold or providing a valid reason for the delay. 


Thank you for your review of this matter. 

Sincerely, XXXX 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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am submitting a complaint to the Consumer Financial Protection Bureau regarding Mohela, the servicer of my federal student loan. 

My complaint concerns the review of my Title I ( XXXX XXXX XXXX ) eligibility. The loans under review were previously consolidated, and Mohela has stated that a portion of the consolidated amount is being denied due to an alleged XXXX XXXX component. Because the loans were consolidated, there is no way to determine what percentageif anyoriginated from a XXXX XXXX. The loan currently under review is not a XXXX XXXX and should qualify for full forgiveness. 

I am requesting that Mohela conduct a complete and accurate review of my file and provide a clear explanation of how they determined the amount they are denying, including the basis for attributing any portion of the consolidated loan to a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There was a glitch in the system and duds that should have been available, were not. This caused a personal problem for me, leading to the bank closing all of my accounts. This took place in XXXX. I have been awaiting a refund check of {$110.00} dollars, and that has not been released to me. I have contacted Capital One three times in the interim and have been told I must wait one billing cycle, but there have since been at least 3 billing cycles, and no refund issued. I am escalating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase Bank accounts ( checking and business ) were taken over in XX/XX/year>. A XXXX profile was created without my consent, and multiple unauthorized XXXX transfers over {$2000.00} were sent to a recipient named XXXX. 

Chase detected fraud and blocked XXXX $ XXXX transfer but allowed XXXX others to go through. Fraudsters also moved {$400.00} from my checking into my business account to send out via XXXX, even though I had previously unlinked the accounts. 

Chase locked me out of my online banking while fraud continued. They later told me the claim was denied based on a device login pattern, but I never authorized these transactions. Chase has never sent me a written denial or investigation results.

This is an account-takeover case covered by Regulation E. I am demanding full reimbursement, transaction records, and restoration of my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, This communication constitutes a * * formal dispute * * of the alleged debt and a * * demand for full validation * * pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge any obligation for this alleged debt.

You claim an alleged balance of * * {$340.00} * *. You are hereby required to provide * * competent and complete evidence * * that I am legally obligated to pay this amount, including but not limited to the following : 1. The exact amount of the alleged debt, including a complete itemization of principal, interest, fees, and any additional charges.

2. The name and address of the original creditor and full documentation establishing the * * chain of assignment, ownership, or authority * *, including any agreements authorizing Southwest Credit Systems L.P. to collect.

3. Copies of any signed agreements, contracts, applications, or other documents bearing my signature that create a legal obligation to pay this debt.

4. Proof that Southwest Credit Systems L.P. is properly licensed and authorized to collect debts in my state.

5. Proof that the alleged debt is within the applicable statute of limitations.

6. A copy of any judgment you claim exists, if applicable.

Until * * proper validation is provided * *, you are legally required to * * cease all collection activity * *, including but not limited to phone calls, emails, letters, and * * credit reporting * *.

If you are * * unable or unwilling to provide proper validation * *, you are required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to * * delete this account from all consumer credit reporting agencies * *, as unverified information can not be reported as accurate.

Any continued collection activity or credit reporting without providing proper validation will be documented as potential violations of federal and state law.

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Please provide all requested documentation electronically.

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Inquiry details SYNCB/AMAZON ( Bank ) XX/XX/year> I was emailed this saying there was a hard inquiry by this bank. I did not apply for a loan or ask for this I called the company Synchrony Pay Later and told them about this and was told they cancelled the loan but then got the Hard Inquiry can you help plz.

This happened on XX/XX/XXXX and was told there was 2 loans taken out and they would cancel

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris , Ltd. is reporting a collection account in the amount of {$810.00} on behalf of XXXX XXXX. I never received any written notice of this alleged debt prior to it being placed on my credit reports, in direct violation of FDCPA 15 U.S.C. 1692g ( a ). I was never given the opportunity to dispute or request validation before the account was furnished to the credit bureaus.

More than 30 days ago, I formally requested proper validation of this alleged debt. To date, Harris & Harris has failed to provide lawful verification. Proper validation requires, at minimum : proof the account belongs to me, a complete itemized accounting of the balance, a full transaction and payment ledger, copies of the final bill and applicable service agreement, proof of how the {$810.00} balance was calculated, the Date of First Delinquency, proof that any security deposit or credits were applied, and documented proof of Harris & Harriss authority to collect and furnish this debt on behalf of XXXX XXXX. None of this has been provided. 
Without this documentation, the debt can not be reasonably verified. Continued reporting without competent supporting records violates FCRA 1681e ( b ), FCRA 1681s-2 ( a ) ( 1 ) ( A ), FCRA 1681s-2 ( a ) ( 3 ), and FCRA 1681i ( a ), as well as Metro 2 reporting standards requiring that all reported data be accurate, complete, and fully substantiated. Simply asserting that the debt is owed does not constitute lawful verification.

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 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I am submitting further documentation via certified mail proving further that this debt is not mine, I was not living in NJ during the months the company is trying to collect, the dates on the paperwork provided by the company is showing a move out date of XX/XX/XXXX but a letter creation of XX/XX/XXXX mailed to the same address they are saying I vacated a month prior to them sending the letter, I will also be providing the current property manager email stating that there was no property manager at the property when I vacated, a letter from the NJ XXXX XXXX, and additional documentation to show that I did not reside in NJ after XX/XX/XXXX. 
This debt is not mine and must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
It is a very interesting debt situation. The same company ( Jefferson Capital ) is trying to collect a debt that it was already paid by a law firm company ( XXXX XXXXXXXX XXXX  ) they hired in XXXX. I need to report this incident since I am an old person and it seems they are trying to take advantage of me. This situation seems really odd to me, and prefer to work with a government agency to help me resolve this issue as soon as possible. 
I was in a debt management plan ( XXXX XXXX ) during that time when this debt was paid thru a company called XXXX XXXX XXXX that XXXX used to make account plan payments. 
Attached find the necessary documents including recent debt collection request, payment satisfaction arrangement made by XXXX. 
Hope you can clarify and resolve this issue. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
On XX/XX/2026 made a payment to go to principal only. Regular monthly payment not due until XX/XX/XXXX and is on auto draft. Called in XXXX hours later to request it to go to principal only. As of today XX/XX/XXXX it still has not been applied correctly. According to payment history money went to interest, principal and a XXXX other fee. No where in the contract does it state there is a additional fee for making early payments. Called to speak with a representative today XX/XX/XXXX and said had to put in another request to have payment go to principal only. This is the third time I have had a issue with the company making a principal only payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: MoneyLion Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding an unauthorized ACH debit and XXXX failure to provide provisional credit under Regulation E ( Electronic Fund Transfer Act ). 

I had an active checking account with XXXX. I previously authorized XXXX access to MoneyLion ( XXXX ), but on [ DATE ] I explicitly revoked authorization with the merchant and instructed them to stop all XXXX withdrawals. 

Despite this revocation, XXXX processed an XXXX debit of {$870.00} from my XXXX account after authorization had been revoked. 

I immediately contacted XXXX and reported the transaction as unauthorized. XXXX initially opened a claim, but later informed me that they could not resolve the dispute and that I needed to handle it outside of XXXX. 

This response is incorrect. Under Regulation E, once authorization is revoked, any subsequent electronic fund transfer is unauthorized, regardless of prior consent. XXXX is required to investigate and provide provisional credit while the investigation is ongoing. 

As of today, XXXX has not provided provisional credit, has not resolved the dispute, and has placed the burden back on me to recover funds from the merchant, contrary to federal consumer protection law. 

I am requesting that XXXX : 1. Properly classify this transaction as an unauthorized electronic fund transfer 2. Provide provisional credit immediately as required by Regulation E 3. Complete a full investigation and return the funds permanently This unauthorized debit has caused significant financial hardship, including inability to pay essential bills. 

I am requesting CFPB assistance to ensure XXXX complies with its obligations under the Electronic Fund Transfer Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Company : Capital One Product : Checking / Savings Account ( Capital One 360 ) Issue : Unauthorized transactions/ Fraud claim denied Claim Number : XXXX Amount : {$1300.00} Complaint Details : I am filing a complaint regarding Capital Ones repeated denial of my fraud claim involving approximately {$1300.00} in unauthorized transactions from my Capital One 360 bank account. 
The fraudulent transactions occurred in XXXX, XXXX, while I was physically located in XXXX, where I reside. I reported the fraud promptly in XXXX and fully complied with every request made by Capital One. I provided location verification and photographic evidence proving I was not in XXXX at the time of the transactions. Capital Ones own records also show that my debit card had not been used since XXXX. 
I did not have possession of the physical debit card at the time of the theft and still do not have that card. I typically use my card through XXXX XXXX. I did not authorize, make, or benefit from any of the disputed transactions. 
Despite my timely reporting and substantial evidence, Capital One has denied my claim multiple times without providing a clear or reasonable explanation that contradicts the facts or their own records. I have been waiting for months while doing everything requested of me, yet the issue remains unresolved. 
Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are protected from unauthorized electronic fund transfers when reported in a timely manner, which I did. I believe Capital One has failed to properly investigate this matter and has wrongfully denied reimbursement.

I am requesting : Reimbursement of the {$1300.00} in unauthorized transactions, and A written explanation detailing the specific basis for the denial of my claim and the evidence relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I assert that OneMain Financial is barred from collecting any deficiency because : 1. The notice of disposition was not sent to my address and was therefore not legally delivered.

2. I did not receive the required advance notice of the sale.

3. The sale was not commercially reasonable, as the vehicle sold for far below fair market value.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, {$250.00} was mistakenly sent to my old, inactive Cash App account. I do not use this account and immediately requested a reversal to return the funds to the sender. Cash App stated the payment could not be reversed unless I restored access to the old account. Restoring access would cause the {$250.00} to be applied to my outstanding balance ( ~ {$230.00} ) without my consent. I refused to provide verification information because Cash App would not confirm in writing that giving the information would not result in the funds being applied to the balance. I emailed and corresponded with managers XXXX, XXXX and XXXX, documenting my request for a sender-directed reversal for the mistaken funds. Cash App has not returned the funds, and my request remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
While I was going through the loss mitigation process with Freedom Mortgage, I was actively communicating with them and providing everything they asked for. During this time, they reported late payments to the credit bureaus even though my account was under review and I was trying to resolve the situation in good faith. This caused unnecessary damage to my credit and added stress to an already difficult situation. I feel this is unfair and does not reflect my effort to work with the lender. I am asking for this late payment to be corrected and reported accurately.

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