vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 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: MO

Complaint narrative:
The Chase checking account at issue is my mother 's, who died about 4 months ago. I have visited the nearest branch ( a 2 hour drive roundtrip ) approximately 8 times in 3 months to close her account, and though many versions of the paperwork has been sent and resent, there is no resolution yet. The funds remain locked and earning no interest. I accept that paperwork takes time, but once we were past 90 days, I asked them if there was some way they could contact their phone-based Legal Department while I was in the Branch ( during our appt ) so we could correct things right away and not wait for another visit, but they refused to do so. Neither would they see me when I dropped in to the branch while I was unexpectedly in town for other reasons- they refused to talk even when there was no visible customer in multiple offices. Instead they offered a phone number to make an appointment- but at that number you can't make an appointment with an inactive account of a dead person. I have not filed a compliant anywhere until today but I do not know where else to turn for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had a CHIME account that I closed with a loan in the amount of {$400.00}. I thought CHIME would contact me to make payment arrangements. However, they did not. I attempted to access my old account, but it was no longer accessible. I created a new account with CHIME in the hopes that I could get the debt I owed transferred to my new account so that I could repay it since they did not contact me in any other fashion. After being on hold with multiple customer service representatives, including AI, I was finally told that I could not access that debt nor could I pay it off. I had to reiterate to the customer service representative that I WAS TRYING TO SETTLE THE DEBT, but they refused to allow me to resolve my past debt as I do not want them continuing to report it the credit bureaus. Again, after repeating numerous times that I was trying to settle debt, I was told NO. So, what is my next step in resolving this matter. I am more than willing to pay the debt, but they are not providing me with any way to settle it. Any help or suggestions that you can provide, would be greatly appreciated as I do value my credit score. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX I entered into a timeshare contract with XXXX XXXX XXXX At that time they had us open an account with XXXX XXXX XXXX for our initial investment it was issued through Barclays Bank XXXX On XX/XX/XXXX the contract was cancelled due XXXX us reading all the fine print XXXX realizing this was not the right fit for us. The Barclays XXXX was issued a credit for the deposit however, there was a {$49.00} fee for the card that we did not know about. We had closed the account XXXX thought we were finished with it. In XXXX I received a bill from the Barclays XXXX card XXXX called customer support asking what the charge was for. I was told they didnt know XXXX put a fraud alert on my card. During the next few months, i began XXXX get calls XXXX emails saying my account was past due so XXXX again I called customer service. At that point they told me they couldnt speak XXXX me due XXXX a fraud alert on my account. I had XXXX fax in XXXX proofs of my identity which I immediately did. On XX/XX/XXXX I spoke with a supervisor named XXXX who stated they received everything however they couldnt read my license and I would have to resend it. XXXX faxed it takes XXXX business days XXXX read them. This went on for the next XXXX weeks. Me faxing, them denying me. Now my credit is affected. On XX/XX/XXXX I finally got verified XXXX spoke with XXXX in the dispute department She had filed a claim for me XXXX have the {$49.00} removed from my account. Claim number XXXX As of now they refused XXXX issue a credit XXXX now it is up XXXX {$95.00}. with added late fees which i went ahead XXXX just paid XXXX try XXXX get my credit restored. We are now trying XXXX purchase a new home XXXX this is severely affecting my XXXX XXXX XXXX asking XXXX have my credit reviewed XXXX restored. Ive worked so hard over my life XXXX have good credit XXXX am extremely upset that this has affected my score.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX, someone used my number for a Zelle payment to be sent to my Zelle that is connected with my XXXX XXXX XXXX XXXX account without MY PERMISSION. I was UNAWARE of the money being a total of {$3000.00}, that was being credited to my checking account until that family friend told me due to him then asking me to immediately XXXX XXXX it to him. {$2500.00} was then XXXX paid to him and the remaining was asked to Zelle it to a recipient due to me not being allowed to add any more money to my XXXX XXXX wallet. XXXX XXXX, I then realized my personal money of {$1200.00} was missing from my account now after a payment at target declined. Around XXXX my bank was then contacted and was aware of my concern when they told me that XXXX XXXX ( the name the Zelle came from reported the Zelle payments as fraud as which she claimed she didnt make them. Therefore, thats why they are holding my money because if I couldnt provide proof that she authorized the payments, MY MONEY will be released to her. I deeply explained numerous times that I did not know the sender, I just knew the person that used my Zelle without my consent to receive the funds from that unknown sender. XX/XX/year> I visited the brand in XXXXXXXX XXXX to provide an identity theft report as well as supporting documents such as the text messages being received concerning the transactions and it clearly showed that I was unaware that the money was being sent to my account. Everyone knows your mobile number is hooked up to your Zelle, therefore thats how they gained access to my Zelle to allow these payments to sent to my account without asking permission from me first! XXXX agent then again told me theres nothing they can do because I cant provide required supporting documents from her bank institution which for the last time respectfully let them know I have NO access to this person. Which after the banker even ADMITTED that I was involved in a scam which they still did NOTHING about. Now XXXX XXXX at XXXX, when checking my bank account on my mobile app my account is overdrawn of the {$3000.00} because they charged my account for this mess. I am here to now report XXXX XXXX XXXX, the family friend and XXXX XXXX that WILLINGLY gave the family friend their bank information to gain access to their bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Arena Investors, LP
State: MS

Complaint narrative:
Sent a letter asking about assignment of bill an itemized bill, explanation of why I don't owe them, no reply, back in XX/XX/year>, also sent cease and disist letter month of XX/XX/year>, which was ignored today day XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding the debt collection practices of Spring Oaks Capital and their reporting of an account on my credit reports. I have contacted Spring Oaks Capital multiple times regarding this account. I have spoken with representatives approximately twelve times. During these conversations, I repeatedly requested documentation to validate the alleged debt. Specifically, I requested the following information : Proof that Spring Oaks Capital has legal ownership of the account Full validation of the debt Documentation verifying the dates being reported to the credit bureaus A complete chain of ownership showing how the account was transferred or sold to Spring Oaks Capital These requests were most recently made in XX/XX/year>, and previously in XX/XX/year> and XX/XX/year>. Despite multiple requests across these dates, Spring Oaks Capital has failed to provide any of the requested documentation. I have also disputed this account directly with the credit bureaus ; however, the account remains on my credit reports without Spring Oaks Capital providing proper verification or documentation. Additionally, I attempted to file complaints through the Better Business Bureau, but due to restrictions associated with Spring Oaks Capitals XXXX profile, the complaints were not successfully delivered. Spring oaks account has been removed 3 times in the past and they continue to put it back after removal. Spring Oaks Capitals failure to provide proper debt validation and documentation raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Given the circumstances, I respectfully request the following : A formal investigation into Spring Oaks Capitals reporting and collection practices regarding this account. Immediate removal of this account from all credit bureaus unless Spring Oaks Capital can provide full and proper documentation validating the debt. Assurance that this account is not transferred or reassigned to any affiliated or related entities for continued reporting or collection. Thank you for your time and attention to this matter. I appreciate your assistance in ensuring that consumer credit reporting laws are properly followed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: GA

Complaint narrative:
Collection Agency has not provided validated information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been giving a chance to dispute accounts according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ). Collection agencies are violating my rights by using false misleading, misrepresentation and deceptive means i requested all soft pulls that was on my credit report and other information that was on there that i did not agree to. JEFFERSON CAPITAL SYST Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: VETERIS CAPITAL LLC
State: IN

Complaint narrative:
I am submitting this complaint regarding the conduct of William Power LLC, which had been servicing an alleged merchant cash advance account on behalf of XXXX XXXX XXXX XXXX William Power LLC contacted me in XX/XX/2025 claiming to service a commercial debt allegedly owed to XXXX XXXX XXXX XXXX They represented that they had authority to collect the balance and negotiate repayment arrangements. On XX/XX/2025, William Power LLC entered into a written payment arrangement with me in which I agreed to make initial payments toward the alleged balance. Under this arrangement I made three payments of {$50.00} each, totaling {$150.00}. These payments were withdrawn from my bank account and cleared successfully. However, these payments were never credited to the account balance that continues to be displayed by XXXX XXXX. Despite accepting these payments, the balance remains unchanged and reflects no credit for the funds that were taken from my account. The payment arrangement document states that William Power LLC was acting on behalf of XXXX XXXX and had authority to negotiate and service the account. Because they accepted the payments directly, they were responsible for ensuring the funds were properly applied to the account. This issue has caused additional harm because XXXX XXXX subsequently sent a legal notice to XXXX that resulted in XXXX placing limitations on my XXXX and XXXX accounts. XXXX confirmed in writing that the account restrictions were based on a legal notice from XXXX XXXX. I have attempted to resolve this matter without litigation. I previously filed a complaint with the Consumer Financial Protection Bureau regarding the underlying dispute, but the company failed to provide a final response within the required timeframe. Core Issues Payments totaling {$150.00} were accepted but not credited to the account. The balance being asserted appears inaccurate as a result. William Power LLC represented that it had authority to service and resolve the account but has not ensured proper accounting of the payments. The inaccurate balance has contributed to enforcement actions affecting my XXXX and XXXX accounts

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
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 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for Carecredit back in roughly XXXX XXXX XXXX for just shy of XXXX. I was told on the phone when going through the process that it would be 12 months interest free and after the 12 months the interest rate was very high. she was aware i was going back and fourth between carecredit and using my regular XXXX XXXX because i would only have gone through carecredit if it was interest free as their interest was much higher than my regular XXXX XXXX company. I made sure i immediately set up auto payment for more than the minimum so i could pay it down and pay the rest off in full during income tax. I just went on to check my status to see how much i have to pay off and they have been charging me 33 % interest the entire time. I should have looked at the statements earlier however i was getting notified that my {$100.00} payments have been coming out i did not think anything of it. I called care credit to correct this as they are telling me i still owe over {$2000.00} and i've been paying {$100.00} since XXXX. I now see every month they have been charging me {$60.00} interested on top of a {$35.00} payment security and only {$5.00} a month out of my {$100.00} has been going towards my bill. When i talked to the people they refuse to fix the mistake that their employee did not put in the proper promotion code to give the 12 month interest fee because i waited too long to catch it.

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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems purchased an old XXXX debt and reported it as a brand new collection account on my credit report with a date opened of XX/XX/XXXX. This is illegal re-aging. The original delinquency occurred approximately in XXXX, as proven by the bureaus own estimated removal date of XX/XX/XXXX listed on my XXXX report. Re-reporting this aged debt as a new tradeline caused my credit score to drop over XXXX points, damaging my credit for a second time on the same debt. I have already suffered years of credit damage from this same debt previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I notified M & T Bank about the incorrect parcel tax charges multiple times. Despite acknowledging the issue, the bank has continued to charge incorrect amounts and has failed to properly correct my escrow account. As a result, my mortgage payments have remained inflated for several years. I need to focus on the year XXXX and fix that to receive my refund and stop being charged the wrong mortgage amount. This ongoing error has caused serious financial hardship, including difficulty managing my monthly mortgage payment and damage to my overall financial stability. The situation has been extremely stressful and disruptive, particularly because it has persisted for years without resolution. I am requesting that M & T Bank immediately : Correct the escrow account and remove all charges related to the incorrect parcel. Recalculate my mortgage payment based only on the taxes for my actual property. Refund all overpayments related to the incorrect parcel taxes dating back to XXXX. Provide a full written explanation of how this error occurred and how it will be prevented in the future. Despite repeated efforts to resolve this directly with the bank, the issue remains unresolved. I am seeking assistance to ensure this matter is properly corrected. I would attach documentation, but M & T Bank has disabled my viewing of digital documents. But I have hard copies and saved copies of every single error. If that is needed, please request.

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 2026-03-05 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: FL

Complaint narrative:
Good Afternoon This is a complaint to Capital One. In accordance with the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentitality under 15 USC 1681. You guys Closed all my Accounts for not Reason Given. Accounts Finish in # XXXX, XXXX XXXX, XXXX XXXX Giving me lot negative Problems with my credit and leaving me with not Credit Limit. So I demand Capital One to Delete or Fix the Trade Lines from my Credit Bureaus including the 3 mayors XXXX XXXX and XXXX. No even one report match all of them are mess up with non BS information, late payments, Balance Etc. All my accounts are fully paid Off. Thanks have a nice XXXX day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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:
I had unauthorized transactions that came out of my account, and Cash app would not refund me once I approved that these transactions were not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested documentation of who owns my mortgage. Not the servicer but the legal note holder. I sm looking into refinancing my home and I want to know who owns the loan and if the loan was forgiven or deemed non collectible through the XXXX mortgage scam court action against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX thru XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX owned the loan from XXXX thru XXXX Both Banks are no longer in service and their mortgages were deemed illegal by the federal courts. Who is the owner of my loan? Select Portfolio Servicing is collecting mortgage payments illegally from me, if the loan was discharged by the federal courts

Company response to consumer: Closed with explanation