vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
A credit card account that I had maintained for several years was closed by the issuer on XX/XX/XXXX. At the time of closure, the account had a credit limit of approximately {$5500.00} and carried no outstanding balance. 

The account was closed without advance notice or a clear explanation. After contacting the issuer multiple times, I was informed on XX/XX/XXXX that the closure allegedly resulted from a failure to respond to a letter that the issuer claims was sent on XX/XX/XXXX requesting updated information. I did not receive this letter and was unaware that any action was required on my part. 

No additional outreach attempts were made prior to the account closure, and during my calls with customer service, representatives were unable to provide details regarding the contents of the letter, confirm delivery, or explain why no follow-up notice or alternative contact method was used before closing the account. 

To date, I have not received any written notice clearly explaining the basis for the account closure or whether an adverse action notice was issued. 

If the closure was based in whole or in part on information from my consumer credit report, I am requesting confirmation that all required disclosures under the Fair Credit Reporting Act ( FCRA ), including an adverse action notice, were properly provided. 

I am requesting that the issuer provide documentation of the alleged notice, confirm whether all required disclosures were sent, and review whether the account is eligible for reconsideration given that the requested information was never received by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX was opened on XX/XX/2024 in the amount of {$750.00}, without my consent and knowledge. 1 contacted to credit bureau to fix the issues, but there is no response. Please help me to fix this issue to improve my credit history.

I need to buy a house and a car. This Wrong account do not allow me to move forward. Thank you

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 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: ID

Complaint narrative:
I used my Cash App card to purchase goods from an online merchant. The merchant accepted payment, marked the orders as paid, and later changed the status to shipping, but never provided a XXXX tracking number as required by the merchants stated shipping policy ( XXXX days after purchase via XXXX ). 
Shortly after the purchase, the merchants website storefront became completely empty, and the merchant stopped responding to support inquiries. I have not received the goods and have received no shipping confirmation or tracking information. 
I filed a dispute with Cash App on XX/XX/year>. Cash App acknowledged the dispute and escalated it internally, providing a case number. However, since that acknowledgment, Cash App has provided no investigation update, no written determination, no provisional credit, and no further communication. 
As of today, neither the merchant nor Cash App has contacted me regarding the status of this dispute. The disputed funds remain unavailable, and the matter has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
received collection notice for {$7400.00} from XXXX XXXX XXXX XXXX for a XXXX XXXX  Insurance company representative from XXXX XXXX way called them and told them that the wound vac was covered prior to them sending me one. XXXX billed me for the XXXX bill for XXXX and with no insurance adjustment. I called them and asked them to bill my insurance company and they refused. XXXX billed me for the XXXX bill of XXXX no insurance adjustment. I call and asked them to bill my insurance company and they refused. I received a XXXX bill for {$1100.00} that they submitted to my insurance company and my insurance paid with an adjustment and I did not owe anything. XXXX then turned it over to collection company Transworld Systems Inc. and I called them with my insurance company representative from XXXX  on the phone ( 3 way ) again and she informed them that they never billed for the two bills from XXXX and XXXX and that those services were covered 100 % by my insurance. They stated that they would look into it and TSI ( collection company ) sent me another letter XX/XX/year> that I owe {$7400.00} because XXXX sent them the itemized bill that clearly shows they did not submit to insurance. I have disputed twice now, I have had my insurance company call twice when I was on the phone. These bills are invalid as the services were covered and XXXX failed repeatedly to submit to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am receiving debt collection emails from XXXX XXXX for a consumer debt owed by a different person ( XXXX XXXX ). I am not the debtor. I am receiving the emails at my email address of XXXX. XXXX has disclosed the debtors personal information to me, including creditor name ( LVNV Funding LLC ), original creditor ( XXXX XXXX XXXX  XXXX. ), the balance, the last known address, and partial account number. This appears to violate the FDCPA, including 15 U.S.C. 1692c ( b ) ( third-party disclosure ), 1692e ( false representations ), and 1692d. I requested they remove my email and cease communication, but they continued. I want XXXX to code the account as wrong party, remove my email address, and confirm in writing. I also want LVNV Funding LLC notified because they are the current creditor. I am requesting CFPB assistance to stop future communications and address the unauthorized disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Block, Inc.
State: CA

Complaint narrative:
I used XXXX to make a number of purchases for XXXX. I returned four of the items. I also canceled a number of orders. Around XX/XX/XXXX, I contacted XXXX through their support chat after I discovered what appeared to be some billing issues. It appeared as though XXXX had not been actively taking into account all of my activity. I then sent the following two emails to their support team once I filed a dispute with them XXXX XXXX, or whoever is now on board. Attached below you will find all of the invoices for orders that were purchased and/or refunded using XXXX on the XXXX website . I did not include any canceled orders. Based on these invoices, the total amount of my purchases, after all refunds, is {$450.00}. As of today, I have paid {$290.00}. That yields a remaining balance of {$150.00}. That number divided by 4 active orders is {$38.00}. And then that XXXX  amount divided by two remaining payments for each order is {$19.00}. If youd like, Id be willing to give you my login information for XXXX, or we can do a three-way call with them if you prefer, so everything can be verified. And as I review everything here right now, the first active order in my XXXX account is inaccurate the medium pink harness has already been returned and refunded so the only item in that order should be the XXXX XXXX  I will make arrangements to make the next payments ASAP, which should be by Wednesday at the latest. 

Hey XXXX. Thanks for the info. However, there is a problem with this path. Namely, going through Your Payments and Transactions [ on the XXXX website ] does not reveal all the refunds- it only shows 2 of them for whatever reason, and it shows them as separate to boot when in fact it was one refund/one order for the same total amount- {$76.00}. If you cross-reference with the invoices I attached, you will see there are several more - 3 in fact, at {$34.00}, {$28.00}, and {$18.00}, for a total of {$81.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against JPMorgan Chase Bank , N.A . regarding the improper restriction and closure of my personal bank account following a legitimate fraud dispute. 

Prior to my XXXX, my account was in good standing. I was XXXX  from XX/XX/XXXX through XX/XX/XXXX. During this time, an unauthorized transaction occurred on my account. After my release, I promptly disputed the transaction and provided documentation proving I was XXXX  and unable to authorize or benefit from the transaction. 

On XX/XX/XXXX, Chase sent me a notice stating that my account ending in XXXX and XXXX ( business account ) had been restricted due to potential fraud or because additional information was needed and instructed me to call to resolve the issue. The notice did not identify any specific transaction or policy violation. 

Shortly thereafter, Chase closed my account without providing any specific reason, investigation summary, or opportunity to resolve the alleged issue. 

I want to be clear that I am not disputing Chases ability to investigate suspicious activity. I am disputing Chases decision to restrict and close my account because I exercised my legal right to dispute an unauthorized transaction. The transaction occurred while I was XXXX and could not have been authorized by me. I provided proof of XXXX. Penalizing a customer under these circumstances constitutes retaliation for asserting consumer rights. 

These actions caused severe financial harm, including loss of access to my only bank account, inability to support my family, and disruption of basic financial obligations. 

Chases conduct appears to violate multiple consumer protection laws, including : Federal law : Fair Credit Billing Act, 15 U.S.C. 1666 Electronic Fund Transfer Act, 15 U.S.C. 1693 et seq.

Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) Consumer Financial Protection Act prohibition of unfair, deceptive, or abusive acts ( UDAAP ), 12 U.S.C. 5531 and 5536 Illinois law : Illinois Consumer Fraud and Deceptive Business Practices Act, 815 ILCS 505/2 Illinois Uniform Deceptive Trade Practices Act, 815 ILCS 510/2 Illinois common-law duty of good faith and fair dealing At no time did Chase provide : A specific reason for the restriction or closure Evidence of wrongdoing A summary of any investigation An appeal or reconsideration process I respectfully request the CFPBs assistance in obtaining : 1. A written explanation for the restriction and closure 2. Copies of any internal investigations or risk determinations 3. Written confirmation that I am not accused of fraud or misconduct 4. Correction of any negative banking or consumer reporting records 5. Reinstatement of my account or formal clearance of wrongdoing I am prepared to provide supporting documentation, including the XX/XX/XXXX restriction notice and proof of XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> Re : Formal Dispute of Alleged Debt and Notice of Unlawful Debt Parking To Whom It May Concern, This letter serves as a formal dispute of the alleged debt you have reported and/or attempted to collect. I dispute the validity, accuracy, and ownership of this alleged debt in its entirety. 
This dispute is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically, I am concerned that this account constitutes " debt parking, '' an unlawful practice in which a debt collector reports a debt to consumer reporting agencies without first contacting the consumer or providing legally required validation. The Federal Trade Commission ( FTC ) has determined that debt parking violates federal consumer protection laws.

Pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt, including but not limited to : - The name and address of the original creditor - The amount of the alleged debt with a complete accounting - Copies of any contracts or agreements bearing my signature - Proof that you are legally authorized to collect this debt Under the FCRA ( 15 U.S.C. 1681s-2 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and verifiable. Reporting unverified or inaccurate information is a violation of federal law.

Until such validation is provided, you must immediately cease all collection activity and remove this account from any and all consumer reporting agencies. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential civil liability.

This letter is not a refusal to pay, but a notice that your claim is disputed.

Please provide your response in writing only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Rocky Mountain Capital Management
State: IL

Complaint narrative:
I am a documented victim of identity theft and did not open or authorize the XXXX account being reported on my consumer credit file. This account is fraudulent. 
I have provided a police report # XXXX APPROVED BY XXXX XXXX XXXX FTC Identity Theft Report # XXXX, identity theft affidavit, valid government-issued identification, and proof of address. Despite receipt of this legally sufficient documentation, the fraudulent account continues to be reported.

This violates the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2 and 1681s-2. I demand immediate and permanent deletion of this account from my credit report.

please review all docs attached

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I created Ally bank account on XX/XX/year>. The term to earn the bonus is to " add money to your account within 30 days of opening and qualifying direct deposits of at least {$1000.00} a month for two consecutive months. '' My first deposit is on XX/XX/year> for {$1000.00}, and the second deposit is on XX/XX/year> for {$1000.00}. I called Ally customer service and was told I met all the requirements, and that a {$300.00} bonus was supposed to be deposited after 30 days of meeting them, but there is still no bonus posted on the account, even after 30 days.

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 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing inaccurate and misleading credit reporting by National Credit Systems on a joint collection account. I never received an initial written notice of debt from National Credit Systems or the original creditor, despite the account appearing on my credit reports for several years. 

I formally disputed the account with all three credit bureaus and requested validation of the debt. I submitted identification, including a copy of my passport, to confirm my identity and requested documentation establishing the debt. No debt notice, validation documents, or supporting records were ever provided. 

Despite this, the account was marked verified and updated. The company adjusted the account information while continuing to report a Last Payment Date of XX/XX/year>. No payment was made or authorized on that date. XXXX own account history shows Paid {$0.00} on XX/XX/year>, yet the account is still reported as having a payment. 

Reporting a payment that did not occur and altering account data without providing validation is inaccurate and misleading and results in improper re-aging of the collection account. National Credit Systems has verified this account without providing the required documentation and continues to furnish false account activity after disputes. 

I am requesting permanent deletion of this tradeline from all credit reporting agencies, as the information is inaccurate, unverifiable, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protecrion Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vaulnerale and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
My loan through Mohela was put on forbearance on XX/XX/scrub>/2025 until XX/XX/year>2025. Mohela marked me as late on my credit report for the month of XXXX of 2025.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, XXXX unauthorized transactions of {$990.00} each were processed by XXXX. I did not authorize these transactions and did not receive any OTP, confirmation, or security alert before they occurred. 

As soon as I noticed the charges, I contacted my bank and filed a dispute. The transactions were reported promptly, but the company has not provided a clear explanation or resolved the issue. These charges were made without my consent, and I believe proper fraud prevention measures were not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
On XX/XX/year>XXXX  I received an email from Current Banking confirming the creation of an account, and a follow up email confirming a virtual card having been activated. At no point did I undergo any process to create an account or request a card with this company, I had not even heard of it until seeing the email. 

After failing to find a phone number to reach a support line, I reached out to their email listed on their website and requested information on cancelling the card and the account. A short time later ( XX/XX/year>, ) a customer service rep reached out asking for more personal information from me in order to " verify '' my accounts existence. The information requested included my birthday, my current address, my full name, and the last 4 digits of the card number I was contacting them about. I emailed them back with some ( but not all ) of the information requested, as I was apprehensive about giving more information to a company that was potentially scamming me. Since then I have not heard back from anyone at Current Banking. 

I have since been able to get into the Current Banking App and access the account created in my name. I have looked everywhere for any option to cancel the card ordered to me, as well as an option to delete my account, and found no information or options to do so anywhere. The physical card is purportedly being shipped to a former address that I have not lived at in 10 years, and I would like to make it defunct before anyone is able to get their hands on it. The company has not helped me in any capacity to achieve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened my Chase checking account online in XX/XX/year>, shortly after turning XXXX. Being new to the banking system, I did not fully understand all the rules and procedures. Before that, I had kept my payroll checks until I was legally able to deposit them. After opening the account, I deposited legitimate payroll checks from my former employer using the Chase mobile deposit feature. Shortly after, my checking account was closed on XX/XX/year> with a remaining balance of {$1000.00}. I contacted Chase multiple times to ask what verification was required from my former employer and how I could receive my funds. My former employer confirmed the checks were legitimate, but Chase has not released the funds and has not provided any written explanation or final decision. This issue has remained unresolved for 8 months despite my repeated attempts to resolve it with Chase. Attached are my account statements showing all deposits and withdrawals. Despite this documentation, Chase continues to request employer verification for funds that were legitimately deposited and paid by my former employer.

Company response to consumer: Closed with explanation