vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit Card Complaint- Chase Bank... 
I am submitting this complaint regarding an incorrect balance and improper charges on my Chase credit card account. 
I paid my credit card balance in full of {$7300.00} XXXX, on XXXX XXXX .After this payment posted, my account should have had a XXXX balance. 
However, after XXXX, Chase showed an additional balance of - {$0.00} ( Minus point XXXX XXXX cents. ), which I did not authorize or understand. Based on this incorrect balance, Chase then charged my account {$31.00} in interest and/or fees by XXXX XXXX believe this charge is an error and resulted from improper account processing. I am requesting that Chase correct the balance, remove the {$31.00} charge, reverse any related interest or fees, and confirm that my account is in good standing. 
I have met my payment obligations and should not be penalized for an error that occurred after my full payment. 

Even for XX/XX/XXXX I had already made my minimum payment as well Thank you For your support XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX * * Subject : FINAL NOTICE Demand for Immediate Deletion of Inaccurate Credit Reporting * * Dear Sir or Madam, This letter serves as a * * formal and final notice * * regarding the continued reporting of * * inaccurate and unverified credit information * * on my consumer credit report. 

Despite * * multiple prior disputes * *, the following account remains reported incorrectly and without proper verification : * * * Creditor/Collection Agency : * * XXXX XXXX  * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : * * {$2600.00} * * * Date Opened/Reported : * * XX/XX/XXXX This account is * * inaccurate, invalid, and can not be verified * *. Notably, * * XXXX  has already completed its investigation and DELETED this account * *, confirming that it was reported in error. Your continued reporting of this account demonstrates a * * failure to conduct a reasonable investigation * * as required by law. 

Under the * * Fair Credit Reporting Act * *, including * * 15 U.S.C. 1681e ( b ) and 1681i * *, consumer reporting agencies are legally obligated to : * Report only * * accurate and verifiable information * *, and * * * Promptly delete or correct * * any information that can not be verified after a dispute. 

Your failure to remove this account constitutes * * noncompliance with federal law * * and is causing * * ongoing financial harm * *, including the denial of credit opportunities. 

Accordingly, I am * * demanding the immediate deletion * * of this account from my TransUnion and XXXX  credit files. If this matter is not resolved promptly, I am prepared to * * escalate this dispute * *, including filing formal complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and pursuing all remedies available under XXXX  law. 

Please provide * * written confirmation of deletion * * once this matter has been resolved. 

This letter is sent * * without waiver of any rights or remedies * * available to me under the Fair Credit Reporting Act or other applicable laws. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I am being contacted regarding a XXXX debt for an account that was never authorized or activated. 

The account was created during a failed in-store transaction and canceled the same day. No service was rendered. 

The debt was sold to collections despite being invalid. I have disputed the debt and requested validation. 

I am requesting that this debt be withdrawn and that no credit reporting occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my account and did not return my money. 
The total amount is {$3700.00}, including {$2000.00} sent via XXXX, a deposited check of {$1600.00}, and {$97.00} in additional funds. 

I contacted Citi Bank multiple times and requested to speak with a supervisor, asked for my case ID, but the issue was not resolved. My account is closed, and I no longer have access to these funds.

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 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: ID

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

For your reference : * Name : XXXX XXXX * Account Information : * Creditor Name : PENN CREDIT CORPORATION ( XXXX ) XXXX * Account Number XXXX Under the FDCPA, you are required to provide proper verification of the debt before continuing any collection activity, including reporting to the credit bureaus. Proper validation includes, but is not limited to, the name of the original creditor, the amount of the original debt, an itemized breakdown of any interest or fees, and documentation bearing my signature showing that I agreed to this obligation. 

Because you have failed to provide the requested validation, this debt remains disputed. Any continued collection efforts or reporting of this account without providing proper verification may constitute a violation of federal law. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: NV

Complaint narrative:
Dated : since XXXX, large debt XXXX student loan funding. I'll like to dispute as closing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I want all collections ( 7 ) of them removed from my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I mistakenly sent {$46.00} through Cash App to the wrong recipient. I immediately attempted to resolve the issue through Cash App support. The recipient declined my return requests. 

Cash App repeatedly instructed me to start a dispute, but their dispute process does not provide any option to upload screenshots or proof, despite support repeatedly asking for screenshots. 

I have been stuck in an automated chatbot loop for weeks with no meaningful assistance, no follow-up emails as promised, and no way to submit evidence. 

I am requesting reimbursement of the {$46.00} and a written explanation of why Cash App does not provide a functional dispute process for misdirected payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
I am trying to close a Barclay XXXX XXXX credit card. I was told the credit card would be closed and the annual fee credited back and my account would be XXXX. 

Subsequently, I received an email informing me that my account payment is past due. 

On follow-up phone calls, the first Barclay representative states they will not credit my annual fee for 15 days, the second representative states it will take 15 BUSINESS days. The request to close the account was made on XX/XX/XXXX. 

I would like for Barclays to close the account, credit my annual fee, and make certain that the account being late does not appear or otherwise affect my credit report or credit score. Taking 15 business days to credit the annual fee while sending late payment notices for said fee is not above board. I also am unsure if they have applied a late charge on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
Dear JEFFERSON CAPITAL SYST I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Sorry, your options dont cover this issue. 

I just received a letter from Chase Bank, the issuer for my XXXX XXXX XXXX card, noting that since my overall credit card usage is so low ( I stopped using the card last year as I boycotted XXXX, but they indicate theyre referring to all of my credit card usage - they pulled my credit report at Experian ) they will be reducing my credit available by half, from {$25000.00} to {$12000.00}. 

This is an egregiously dirty tactic to use. Im being a responsible consumer by spending within my means and Chase intends to penalize me for it by causing my credit score to drop from an increase in my credit utilization ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I ordered a phone from att but I never received the device. 6 months later I received a letter saying I owe XXXX dollars. I called numerous of times trying to resolve the matter even submitted a ticket with the fraud department which they never got back to me about ticket number XXXX. I also spoke to a representative and she did some digging and she assured me the phone was never even activated that the fraud department will take care of it. Now I received a text messages that its been sent to collection.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
{$7400.00} was taken out of my Wells Fargo checking account. I noticed these fraudulent transactions on XX/XX/year>. I called Wells Fargo that same day and told them these transactions were not me. For some reasons Wells Fargo still aloud these transactions to go through. Wells Fargo failed at protecting my hard earned money. I have no idea how someone gained access to my account. I believe someone might have been calling Wells Fargo impersonating me. A fraud claim was made and I was told to be patient as they reviewed my case. On XX/XX/year> I saw on my Wells Fargo account that my claim was declined. No one from Wells Fargo had ever had a detailed conversation with me about everything that had happen. I do not believe they did a thorough investigation. I called them trying to get answers but they said the fraud department is closed until Monday.

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 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This was for a XXXX credit card debt with Goldman Sachs back in XXXX. I was in a major traffic accident, with surgeries and lost my job. I went through a debt consolidation company and they worked hard to settle with all my creditors, pay them off and I am still paying XXXX XXXX bi-monthly payments for settling them! Goldman Sachs was on the list of creditors, XXXX reached out to them numerous times to make a settlement, but was originally told they had no records of any account balances for me and my SSN! XXXX came to me and I contacted Goldman Sachs personally and finally was told they made the decision to charge the balance off due to previous correspondence received from me about my situation. Both XXXX and I verified with them I had NO balance to include in the consolidation and moved forward to make the settlements with my other creditors. Approximately 6 months later I started receiving collection letters and phone calls from XXXX trying to collect on the debt that Goldman Sachs had already told us was charged off and settled! Between XXXX and I, we provided information we had with Sachs and XXXX closed my collection account, removed the collections from my credit reports and I thought it was over. Then comes along XXXX XXXX XXXX, which I believe is just another name for XXXX!, and they have abusively tried to contact me for collections. I have told them and sent emails letting them know the history and why I do not owe this debt, it was settled and needs to be removed from my credit reports, but they have not removed it and they continue to call me numerous times a day, all times of the day ( I had some after XXXX ), every day of the week, even after I have sent emails and letters! My credit history was hit with the Goldman Sachs charge off immediately, then it was hit from XXXX XXXX as a collection and still on the report with their derogatory remarks, and now XXXX XXXX XXXX XXXX has an OPEN collections account reported to the bureaus! This is like a major 3 strikes against me, 2 more than should have ever been reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Company : Aidvantage Product : Federal student loans Issue type : Income-Driven Repayment ( IDR )/ Servicer error / Billing dispute What happened On XX/XX/year>, Aidvantage issued me official written documentation approving my Income-Driven Repayment ( IDR ) plan with a required monthly payment of {$0.00}. 

On December 2526, 2025, Aidvantage issued a second notice stating that my monthly payment would instead be {$250.00}. 

When I contacted Aidvantage, I was told that the XX/XX/XXXX IDR approval was sent in error and that I must comply with the higher payment amount. No explanation, recalculation, or corrected income review was provided. 

Why this is a servicer error Aidvantages XX/XX/XXXX notice constitutes an official IDR determination. Borrowers are entitled to rely on written repayment approvals issued by their federal loan servicer. 

Aidvantage has not demonstrated that my income information was incorrect, incomplete, or misreported, nor has it provided documentation showing that the {$0.00} determination was invalid under IDR rules. Simply labeling an official approval as an error after the fact does not negate the determination or shift responsibility to the borrower. 

This reversal, without due process or substantiated recalculation, represents servicer mismanagement of my IDR application and creates a risk of improper billing, delinquency, and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXXDescription of IncidentXXXXNature of Claim: I am a XXXX  victim of XXXX Financial Exploitation and Extortion. This is a case of Fraud, not a contract dispute.XXXXThe Extortion & Fraud: After paying XXXX XXXX XXXX (in transfers of XXXX XXXX XXXX XXXX, I discovered the contractor was unlicensed and the work was hazardous. I immediately filed a fraud dispute with Bank of America.XXXXThe contractor then extorted me: he threatened me with "cops and lawyers" and refused to continue work unless I dropped the bank disputes. Under this duress, I complied and dropped the claims. The moment the disputes were closed, he ceased all communication and abandoned the job entirely, leaving my home in a dangerous state.XXXXLegal & Physical ImpactXXXXRegulation E: The bank must recognize these transfers as "unauthorized" because they were obtained through coercion and extortion.XXXXCulpable Negligence: The contractor\'s intentional abandonment of the hazardous site directly caused me to suffer a physical fall and injuryXXXXLaw Enforcement: XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I have tried to settled, or restructure my loan as I am experiencing hardship. I have also requested my line of credit be closed and the company refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Subject : Account Improperly Restricted - Verification Deadlock ( Ref : # XXXX ) The Issue : My Capital One credit card has been restricted since XX/XX/XXXX. I have paid my balance in full ( {$0.00} ). Capital One refuses to lift the restriction because they are demanding a specific document ( " Full Monthly Statement with Unmasked Account Number '' ) that my external bank, Current ( XXXX XXXX XXXX ), does not issue to consumers due to security policies. 

Evidence of Ownership Provided : Official Voided Check/Direct Deposit Form : Generated by the bank app, showing my name and full account number. Capital One rejected this. 

Proof of Payment : I submitted my XX/XX/XXXX bank statement showing a successful {$1000.00} payment to Capital One on XX/XX/XXXX. This matches Capital One 's own records and proves I control the account. 

The Impossible Demand : I have provided written confirmation from Current Support ( attached ) stating that they can not release a " Manual Verification Letter '' to me directly. They have instructed that Capital One must email XXXX directly to obtain this document. 

The Failure : Despite my requests, Capital One has failed to contact the bank as instructed and continues to hold my account hostage over a document I can not legally obtain myself.

Resolution Requested : I request that Capital One immediately lift the restriction. I have paid what I owe ( {$0.00} ) and provided the official channel for them to verify the account. 

Step 3 : Attach Your Files to the Complaint The CFPB portal allows attachments. Upload these three images : The Screenshot of the Current Support Email ( The one you just showed me ). 

The Annotated XXXX Statement ( With the {$1000.00} payment circled ). 

The Voided Check ( Signed in ink ). 

Step 4 : The " Final Warning '' Email After you hit submit on the website, copy the CFPB Complaint ID and send this final email to XXXX. 

Subject : CFPB Complaint Filed : Case # XXXX - Restriction Dispute To the Executive Resolution Team, Due to the ongoing inability of your phone support team to resolve this verification deadlock, I have officially filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) today. 

CFPB Complaint ID : [ Insert ID Number Here ] As detailed in the complaint : My balance is {$0.00}. 

My bank ( XXXX ) has confirmed I can not provide the letter you are asking for ; you must contact them directly at XXXX. 

I have attached the proof of this instruction and proof of my successful payments. 

Please resolve this immediately before the 30-day automated closure system affects my account status. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
According to XXXX. I have an account from 10 years ago that was marked fraud and is under investigation. I said can you give me access to my old account so I can review. They said no. Then I said can you mail me documentation to review. They said no. They said they dont have to provide me any details l or give me access to the account. I am not aware of any fraud on my prior accounts

Company response to consumer: Closed with explanation