vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The wire fraud perpetrated against me, XXXX XXXX in XXXX CASE XXXX  XXXX Is a blatant act of theft that has stolen my hard-earned savings and jeopardized my future, and I demand justice for this egregious crime. Around XX/XX/XXXX In my earnest endeavor to launch my dump truck hauling business, XXXX XXXX XXXX XXXX XXXX XXXX I was lured by a fraudulent advertisement on XXXX XXXX for a XXXX freightliner coronado Dump Truck priced at {$39000.00}, requiring {$15000.00} down payment which includes free delivery. This substantial sum, representing my life 's savings, was wired to XXXX XXXX XXXX XXXX, a verified customer of JPMORGAN CHASE ( routing XXXX XXXXXXXX account XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). What was promised as a dump truck delivered within XXXX days quickly devolved into weeks of unanswered calls and the complete disappearance of both the vendor XXXX whom still has the website on XXXX. And investment, leaving me with nothing but shattered dreams and a gaping hole in my finances. Despite my bank 's respected attempts to contact the perpetrators there has been no response. Highlighting a shock lack of accountability for a JPMORGAN CHASE customer. It is utterly unacceptable that a financial institution 's customer could facilitate such a scam, and I firmly believe the bank bears responsibility for these transactions ; all I seek is the immediate return of my {$15000.00} Because I want justice. VICTIM XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year> I came to Bank of America I applied for XXXX of there credit cards which I got approved for XXXX credit card I had a limit of XXXX XXXX and the XXXX  XXXX  I had the limit of XXXX out of no where they closed my account the next month

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was contacted by a collection agency and I sent a cease and desist with a debt validation letter. the account is still reporting and there has been no change for what is reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am disputing inaccurate late payment information being reported by Synchrony Bank on XXXX or more retail credit card accounts. 

The late payment history reported by Synchrony Bank is inconsistent across consumer reporting agencies. Certain months are reported as late with XXXX bureau but not others, indicating that the information has not been properly verified or accurately furnished. 

Because payment history must be accurate and fully verifiable under the Fair Credit Reporting Act, I am disputing the accuracy of the reported late payments. I previously disputed this information with the credit reporting agencies, but the inaccuracies remain.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to disclose who received my XXXX XXXX  payments and who authorized PennyMac to collect them I received AI generated unsigned Reinstatement Quote where this AI demanded from me payments for XXXX XXXX  including escrow I already paid in full for XXXX XXXX  including full payments for escrow Disclose why PennyMac demands from me to pay it again Disclose who authorized PennyMac to collect this payment Disclose who received my prior payments Disclose who authorized PennyMac to prepare and file a release of lien

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XX/XX/XXXXcredit bureaus on my credit report.

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 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XX/XX/year> got a text from chase bank said fraud called said no fraud but closing my checking, saving and business account asked why said dont need to give a reason and even the transaction that was processed and approved they turned around and stopped payments causing me late fees when plenty of money in account said chase has all rights to choose what they want to approve never had fraud are over drafts in account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XX/XX/XXXX bankruptcy case, indicating their belief that XX/XX/XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 
My Background I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX Bank XXXX XXXX and was frozen on or around XX/XX/year>2024, without warning.

The Harm I Suffered When my account was frozen, I had {$5000.00} in the account. Since then, I have recovered {$0.00}, leaving {$5000.00} still inaccessible over a year later. 
This interruption has caused me significant hardship. Specifically : Inaccessibility of Savings : I have lost total access to over {$5000.00} of my own earned money, which was intended for my family 's essential needs and future planning. 
Financial Stress : The sudden loss of these funds has forced me to rethink my household budget and has created an ongoing layer of financial instability. 
Emotional Distress : I have experienced severe anxiety and distress due to the sudden loss of access to my savings and the lack of clear communication regarding whenor XXXX will ever see these funds again. 
Trust in Banking : I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and XXXX-insured. 
No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Premium Rewards Elite Credit Card Please review their site for the benefits- this verbiage is everywhere, in their advertising, in the contract, was sold to me by my XXXX XXXX XXXX XXXX everywhere. 

https : //www.bankofamerica.com/credit-cards/products/premium-rewards-elite-credit-card/ Exact verbiage of the perks : Get up to {$570.00} in automatic statement credits Receive up to {$300.00} annually in Airline Incidental Statement Credits for qualifying purchases such as seat upgrades, baggage fees, airline lounge fees and in-flight services Receive up to {$150.00} annually for lifestyle conveniences including video streaming services, food delivery, fitness subscriptions and rideshare services Receive up to {$120.00} in statement credits for Global Entry or TSA PreCheck application fees XXXX every XXXX years I have spent $ XXXX in the past 2 months on seat upgrades and have not seen any of the {$300.00} credits. Have called XXXX XXXX and assured it would post in XXXX - XXXX business days. The year is now over and I still have not seen this credit. Should I receive it now, it needs to apply to XXXX and not roll over to XXXX as the benefits are supposed to start over. 

This credit card is fraudulent and Bank of America needs to be held accountable.

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 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one is consistently holding my direct deposit longer than it should causing me issues in paying my bills on time. Today XX/XX/XXXX they did not pay my direct deposit to my account leaving me and thousands of others without our money. No notice was given why we did not get our direct deposit. My company paid XXXX early so we would all get paid before XX/XX/year> but capital one did not release the pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: CA

Complaint narrative:
I wrote them : This is very Urgent East West Bank XXXX Main XXXX, XXXXXXXX XXXX XXXX  XXXX Account # XXXX Hi, On XX/XX/year>, your bank closed my account without explanation, and I was instructed to withdraw my money. 
The teller told me my account is frozen for investigation! I can not use my money. I have over {$27000.00} in my account. 

The bank can close my account, but withholding my money is wrong and unlawful! 

Wiring money is not illegal ; invading personal privacy is a violation of the law; closing my account is an abuse of power. 

I am demanding that your bank release all my money immediately. My mortgage and utility bills will not be paid or bounced ; it will be your bank 's responsibility. It affects my mental health, etc.

The bank manager 's invasion of personal privacy is a violation of the law ; there is no basis to withhold the clients money, as it is stealing interest payments from the customers.

I am consulting an attorney about my legal rights. 

Sincerely, XXXX XXXX PS Nothing about freezing my account Lie and another violation of the bank authority into personal hand

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

Complaint narrative:
The United States passed the FCRA ( Fair Credit Reporting Act ) - and it gives YOU the legal right to permanently remove inaccurate, outdated, or unverifiable items hurting My credit score. 15 US CODE 1681A ( 2Xi ) my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: FL

Complaint narrative:
Immediate Removal of Unauthorized Account Jefferson Capital Systems , LLC To Whom It May Concern, I am submitting this complaint to formally dispute an account that is currently associated with my credit profile and being reported by Jefferson Capital Systems , LLC. I do not recognize this account, do not recall applying for it, and was unaware of any charges or loan activity prior to it appearing on my credit report. 

Company : Jefferson Capital Systems , LLC Phone Number Listed : XXXX Loan ID : XXXX Total Amount Reported : {$170.00} Interest Rate : 0.00 % XXXX This account was opened and reported without my knowledge or authorization. I did not apply for this loan, did not consent to any agreement, and did not receive or benefit from any funds related to this account. 

Because this account is unauthorized, its reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed immediately from my credit report and that any negative reporting associated with it be deleted. 

I respectfully request prompt investigation and correction of this matter, as this inaccurate account is causing harm to my credit profile. 

Thank you for your immediate attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I financed tires through EasyPay using a 90-day no interest if paid by promotional plan. I missed the promotional due date by 3 days and was charged a full promotional-period deferred interest amount, applied retroactively from the purchase date.

I understand that the promotion expired, and I am not disputing the expiration of the promotion. I am disputing the application of a full interest charge for a delay of only 3 days, which I believe is disproportionate.

I contacted EasyPay promptly and requested a reasonable adjustment based on good-faith payment history, but my request was denied without a compliance-level review.

I am requesting a compliance review and a reasonable reduction or removal of the interest charges.

The attached screenshot shows the current balance and interest rate applied, which has created financial hardship and makes immediate payoff impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal did not use the available funds on a transaction that it declined due to insufficient funds and then let the charge go through to another account. An email saying that the transaction was declined was the only record of this having happened at all, other than the record found in the other bank account. PayPal needs to fix their application so that it shows record of such things happening and I want my account fixed so none of the other accounts are used for backup payments, in that, there's no way for me to see to it that that is the case. The system is too oppressive for me to want to continue to be a part of it. Also, nobody will help me retrieve my stolen phone number XXXX despite repeated attempts on the phone, via mail, and in person, my having a check from a man XXXX whose staff had me XXXX a XXXX  times in an hour after I reached out for help, WITH MY NAME AND THE PHONE NUMBER WRITTEN ON IT, nobody in the military will do anything to stop authorities from continuing to XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX again and again and again as XXXXXXXX XXXX  anytime they get some XXXX XXXX their XXXX and I'm sick of it, never mind what XXXX XXXX XXXXXXXX itself did to me, robbing me of {$100.00} and refusing me access to my account without any explanation as to why despite repeated attempts to resolve the matter via mail, in person and on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent the letter to the trustee of GM financial which iXXXX XXXX XXXX XXXX XXXX XXXX which securitized the retail and stomach contract and gave them conducive evidence upon my contract as you will see in the letter that I will attach to adjust the security interest and clarification on a lien status which was not handled properly nor at all nor will I given a response. I also sent another letter XX/XX/XXXX notice of secure party interest right of reclamation and demand for discharge of fraudulent obligation which was never responded to nor answered just ignored, which will also be attached if the system allows it. As a personal and consumer loan this all falls under consumer law and under consumer though the finance charges the sum of all fees which is which I should have only been charged for but they're saying I owe {$45000.00} when I've only should have paid {$15000.00} and I never got the check for the {$43000.00} to even give them the difference of the finance charge with the credit will cost me which is what the company should have received only from me and arrest credited back to me. This contract is between the creditor and the seller and not me the consumer of personal and household use and therefore that makes this whole contract illegal as well and I would like all of my security interests back as I have been trying to get for the last year and a half about and a return of all my payments and a recession of contract and to keep the acquired property for fraudulent activity as I should be granted based on double payment and unjust enrichment. The second document with my paid for contract and other evidence I can not upload because it is too big if I can send it another way that will be great

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXXstep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This has come very stressful for me. I am trying to become a homeowner so I can have something to show for my life. I demand this account be taken off immediately.

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 2026-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as TransUnion instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

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 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/scrub> 2025 {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/scrub> 2025 {$63.00} XXXX XXXX {$750.00} total. 
Cash app refuses to provide evidence as to why claim was denied. they are repeating the same problems as with what occurred last year with the lawsuit demanding that they pay XXXX Million in refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I filed a report with cfpb about the bank not disputing my dispute charge after they did they closed my account this is relation from filing a report with you guys now they are closing my account I would like to report them as there decision to close my account is in retaliation

Company response to consumer: Closed with explanation