vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
The credit limit on my account is {$15000.00} on a TJX Credit Card managed by Synchrony Bank. We made purchases during the month and made an early payment of {$13000.00} on XX/XX/year> when the payment was not due until XX/XX/year>. We called Synchrony Bank on XX/XX/year> at XXXX and they confirmed receipt of the payment as of XX/XX/year> but said since THE PAYMENT was over {$8000.00} they needed to put a hold on the account until XX/XX/year>. This is ridiculous! They have the payment but I can not make charges on the account for XXXX days following a payment that they received via XXXX. This should not be allowed to occur.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank, N.A. regarding an account held in the name of XXXX XXXX XXXX, XXXX. I am currently being associated with this business account despite the fact that I do not control the company and do not have access to the account. I contacted Chase by phone and requested to be removed from the account. However, they refused to remove my name. This situation is concerning because I have no authority over the account, no access to its funds or records, and no ability to monitor or manage its activity. Remaining associated with this account exposes me to potential financial and legal liability for actions I can not control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding recurring paper statement fees, late fees, and the resulting negative credit reporting on my XXXX XXXX XXXX account issued by Comenity. Comenity assessed recurring {$2.00} paper statement fees on my account. The option to disable paper statements was not clearly disclosed, and when I attempted to change the setting online, the preference appeared to reset. In addition, Comenitys online portal has experienced repeated outages over the past several weeks, limiting my ability to reliably access statements, manage billing settings, and monitor my balance. As a result, a small original purchase of {$8.00} compounded into a balance of approximately {$58.00}, largely composed of fees rather than principal spending. Late fees were assessed, and the account was reported delinquent to the credit bureaus. My credit score dropped approximately 66 points in connection with this fee-driven balance. On XX/XX/year>, I contacted Comenity to request : - An explanation of the recurring paper statement fees- Confirmation that paper billing could be permanently disabled - Waiver of fees assessed during periods of portal inaccessibility - Correction of the negative credit reporting No meaningful resolution was provided. I believe the recurring fee practices, system instability, and failure to reasonably accommodate customers during portal outages contributed directly to the delinquency reporting. I am requesting : - Reimbursement or removal of improper fees - Correction of negative credit reporting associated with this issue The account balance has been paid in full as of XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I logged into my Chase checking account on Saturday XX/XX/year> to review my account statement but when I downloaded the statement it was for a different person and account number. I called Chase customer support at XXXX that day and was told that someone would look into the problem and call me back on Monday. After not hearing by XXXX Monday I called customer support at XXXX and was told that since I held a joint checking account with person B, I had access to all of person B 's other accounts, one of which was included in the statement I had downloaded. This is obviously a flagrant privacy violation however Chase doesn't see any problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc.
State: KY

Complaint narrative:
I reviewed my consumer credit reports and identified multiple accounts and tradelines that are inaccurate, unauthorized, or do not belong to me. Certain items are reported inconsistently across credit reporting agencies, reflect conflicting dates of first delinquency, or lack documentation establishing my legal obligation for the alleged debts. I submitted an Identity Theft Report to the Federal Trade Commission asserting that this information is the result of identity theft, misattribution, or unauthorized use of my personal information. Despite notice, the credit reporting agency continues to report the disputed information without demonstrating lawful verification. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft or misattribution unless it can be fully verified in compliance with federal law. I am requesting immediate compliance and removal or blocking of the inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
Affirm has improperly denied my dispute and continues billing me for a returned item from XXXX ( order # XXXX, {$210.00}, financed via Affirm XXXX XXXX using XXXX XXXX virtual card ). I returned the item ( XXXX XXXX XXXX XXXX, XXXX ) per XXXX 's policy. Tracking confirms delivery to merchant on XX/XX/year>. XXXX confirmed refund processed at XXXX XXXX EST that day via texts, email, and receiptexplicitly stating to contact my financial institution ( Affirm ). I submitted this proof to Affirm three times ( photos of return label/tracking, XXXX texts XXXX, refund email XXXX, receipt XXXX, transit emails, XXXX XXXX details ). Affirm denied citing " insufficient evidence '' and " card mismatch, '' ignoring XXXX XXXX virtual card masking ( standard for Affirm ). Requested resolution : Affirm must investigate, contact XXXX for verification, credit full {$210.00} to my loan, reverse all fees/interest, and remove any negative reporting. CFPB rule requires XXXX lenders like Affirm to process return refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I sent SoFi XXXX the payoff amount contained in my XX/XX/2026 statement ( {$170000.00} ) on XX/XX/XXXX. The payoff amount above was valid until XX/XX/XXXX. XXXX booked the payoff amount on XX/XX/XXXX. That should have been the end of any payments due to them. However, they subsequently withdrew the regular monthly payment from my checking account via Autopay on XX/XX/XXXX. This withdrawal never should have occurred. I have called and chatted with their customer service team repeatedly since XX/XX/XXXX ( the date that the payoff amount actually displayed in their app ). Each time I interact with their customer service team I am deflected, I never receive any meaningful assistance & I am told that I will be refunded the credit balance ( the XX/XX/XXXX payment of {$2900.00} ) at some point in the future-and each time the alleged repayment date is at a different future date. I have emailed SoFi 's complaint email address, but they haven't bothered to respond. SoFi has consistently refused to give me back my money-which they never should have taken from me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: AR

Complaint narrative:
American Express violated FCBA/Regulation Z on dispute XXXX ( {$8400.00} ). XX/XX/XXXX mailed FCBA billing error notice ( certified # XXXX, delivered XX/XX/XXXX ). XX/XX/XXXX AMEX denied from " XXXX XXXX XXXX XXXX '' - 41 days late ( no 30-day acknowledgment ). 6 violations : No 30-day ack ( 12 CFR 1026.13 ( d ) ) Misclassified FCBA notice as " fraud claim '' No reasonable investigation ( 1026.13 ( f ) ) No docs/explanation ( 15 USC 1666 ( a ) ( 3 ) ( B ) ) Improper credit reversal ( 1026.13 ( g ) ) Ignored my legal claims ( XXXX XXXX XXXX ) My letter cited FCBA, Regulation Z XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ) - deceptive gaming merchant descriptors ( XXXX XXXX ). AMEX : " you had the card '' = inadequate. Request CFPB order proper FCBA investigation, {$8400.00} credit, systemic fixes. Full 25pg complaint + exhibits attached. XXXX XXXX, XXXX Hansfield Circle, XXXX XXXX XXXX AR XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Credit Collection Service Subject : Formal Debt Validation Request and Dispute of Alleged Balance {$110.00} Dear Credit Collection Service, I am writing to formally dispute the alleged debt of {$110.00} that your company claims I owe. This correspondence serves as a request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Please provide complete documentation verifying the validity of this account, including : The name and contact information of the original creditor. A full accounting and itemized statement showing how the balance of {$110.00} was calculated. A copy of any signed agreement or contract demonstrating my obligation to pay. Documentation showing that Credit Collection Service has legal authority to collect this debt. The date and amount of the last payment, if any. Until you provide the requested validation, I request that you cease all collection efforts and suspend reporting this account to any credit bureau. Under 15 U.S.C. 1692c ( c ), I am requesting all future communications be conducted in writing only. Furthermore, under 15 U.S.C. 1681e ( b ), please note that I am disputing this debt as inaccurate and unverified. If you have already reported this account to any credit reporting agencies, you must immediately mark it as in dispute until validation is provided. If you can not substantiate this debt with appropriate documentation, I request that you immediately delete any related trade lines or negative information from all credit bureaus ( XXXX, XXXX, and XXXX ) and provide written confirmation of such action. This letter is not an acknowledgment of any debt or liability. I expect a written response within 30 days of receipt as required by 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XXXX/25, I made a deposit of {$3200.00} for a vehicle with my XXXX Credit Card through Venmo. Within minutes of sending the deposit, I learned that it was a scam. I immediately contacted Venmo. They told me the transaction was still pending and to contact XXXX. I did that and XXXX pursued a fraud claim. After receiving notication from XXXX, they indicated thhat this should have been filed as a dispute not fraud through Venmo. XXXX closed the case and send out a letter on XXXX/26XX/XX/XXXX. I contacted Venmo on XXXX, XX/XX/XXXX and again on XX/XX/XXXX and they are saying they can not help me until they hear from XXXX. I've sent them the letter from XXXX. I've also sent them multiple documents showing proof that this transaction was a scam. Venmo has a XXXXurchase Protection Program which can help me recover my money, but they are not responding to my request. They have also indicated that they have reached out to the person I paid multiple times and have not received a response. This case clearly falls under their PPP program. Venmo does not give me any other methods to get help. I am instead relegated to calling weekly to get an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, 2026, I contacted Bank of America to close my checking account. The account was successfully closed. However, in the process of closing that checking account, Bank of America also removed my previously established autopay setup for my Bank of America credit card, which was linked to my XXXX checking account. I did not authorize removal of this autopay enrollment. My credit card payment was due on XXXX XXXX, 2026. I was never notified that autopay had been unenrolled or that my linked XXXX checking account had been removed. As a result, the payment was not made automatically, and I was charged a late fee and interest. I made the payment on XXXX XXXX, 2026 immediately upon discovering the issue. I contacted Bank of America on XX/XX/XXXX and XX/XX/XXXX to resolve this matter. Representatives stated they were unable to authenticate me using my phone number or email address and told me I must visit a branch in person. I have not changed my contact information, and I believe this additional barrier has prevented timely resolution. This situation was caused by Bank of Americas internal action when closing my checking account. I did not request or authorize removal of my autopay setup tied to my XXXX account. I am requesting : Removal of all late fees and associated interest. Written confirmation that no negative credit reporting will occur. Correction of any adverse credit reporting if it has already been submitted. Restoration of full account access without unnecessary in-person authentication requirements. Bank XXXX Americas actions caused financial harm and unnecessary hardship.

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 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$76000.00} XXXX XXXX XXXX XXXX failed to disclose the vehicle was a salvage vehicle and was malfunctioning. The dealership committed contract fraud, misinformation, and failed to disclose the vehicle was a buyback and tailed to repair the venicle to sell it as a clear title. I asked at purchase how soon can I change it out and they said after 90-180 days. I tried to change it out and learned it was a salvaged vehicle. Wells Fargo was notified of all the issues and they said they would not help. After years I decided enough was enough and filed a complaint to them directly to resolve the fraud of the contract. They responded and then repossessed the truck without my permission and violated numerous laws. I want a full refund of all my money and to have them remove all negative information off my credit reports and off XXXX XXXX creel reoons. nave muen more intormation avalaole.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Validation of Debt Request - ALDOUS - XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate, contradictory, and misleading credit reporting by Navy Federal Credit Union as it appears on my XXXX credit report. This account is reported with multiple inconsistencies that can not all be accurate at the same time. Specifically : The account is coded as both 180 days past due and charged off A charged-off account should not continue to report as past due The reported amounts are inconsistent and unsupported : Highest balance reported : {$20000.00} Past due amount reported : {$19000.00} Charge-off amount reported : {$19000.00} There is no explanation or documentation showing how these figures were calculated, why the amounts differ, or why the account continues to report delinquency after charge-off. Additionally, reporting an account as charged off while simultaneously reporting an ongoing past-due status is misleading and does not reflect accurate account status as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I previously disputed this account with the credit reporting agency, yet it continues to be verified without Navy Federal Credit Union providing competent evidence, including : A signed original credit agreement A complete and itemized payment history Proof of balance calculation Documentation supporting continued reporting after charge-off Under the Fair Credit Reporting Act, furnishers are required to report information that is complete, accurate, and verifiable. The current reporting fails to meet these standards. I am requesting that the CFPB require Navy Federal Credit Union to either : 1 ) Provide full, documented verification that reconciles all reported balances and statuses, or 2 ) Remove the inaccurate information from my credit report. I am also requesting written confirmation of the results of this investigation and correction or deletion of any information that can not be properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief