vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We paid for our hotel reservations ( for XXXX 's XXXX, IL ) via XXXX for XX/XX/XXXX to XX/XX/year>. On XXXX the XXXX we called the hotel to confirm the reservations but the hotel could not find our information in their system and they advised we called the booking company XXXX. XXXX also had trouble locating the reservation in their system. Which let us to proceeded by disputing the charge via the bank ( Chase ). I then tried making a new reservation with XXXX and they FOUND prior reservations, so I quickly called the bank and asked for the dispute to be cancelled since all seemed to be in place. NOT quite, since XXXX was not informed of our cancelled dispute and proceeded to cancel the reservation on their end, the bank cancelled the dispute. I have reached out to both the bank and the merchant. The bank assures me that they refunded the merchant the funds, the merchant insists I deal with the bank. I allowed time to pass, hoping it was only a timing issue but nothing yet. The bank did a conference call with me and the merchant but the merchant has not provided update to the refund yet. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 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: RI

Complaint narrative:
Capital One locked my account for suspected fraud. I provided all requested documentation. Capital One now requires a three-way call with my bank, which my bank will not do. As a result, Capital One is withholding a {$330.00} credit balance and XXXX reward points with no alternative resolution offered. I am requesting immediate release of my funds/reward reimbursement. I called today XX/XX/year> and spoke with a fraud XXXX who was unable to offer me any other resolution. His name was XXXX and his id was XXXX. 

The verification documents I submitted to the company were : my ID with my address, my social security card, my XX/XX/XXXX bank statement with a copy of a voided check because they stated they needed access to see the full account number ( which is very intrusive in my opinion as this is a personal bank account and fraud is so common ). They said these do not resolve the issue and my bank needs to confirm the account number and my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate and improper credit reporting by Self Financial / Lead Bank. My secured credit card account was charged off around XX/XX/XXXX with a reported balance of {$460.00}. Despite the charge-off, the account continues to report as past due as of XX/XX/XXXX, resulting in ongoing negative credit reporting. 

I disputed this account with XXXX XXXX XXXX completed its reinvestigation but stated that the account was verified and no meaningful corrections were made, relying solely on Self Financial/ Lead Banks response. Neither XXXX  nor XXXX XXXX provided documentation showing how the charge-off balance was calculated, how the secured funds were applied, or how the ongoing negative reporting complies with the Fair Credit Reporting Act. 

As this was a secured credit card, I am requesting documentation explaining the application of any security deposit and verification that the remaining reported balance and charge-off reporting are accurate and compliant. If this information can not be fully verified, I am requesting correction or deletion of the inaccurate or unverifiable reporting. 

The continued reporting of this charge-off is materially harming my creditworthiness, and I am requesting a reasonable investigation and appropriate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
* NOTE : I am a XXXX  Below is the body of my XXXX XXXX letter to the debt collector, Scott & Associates , PC : RE : I am in receipt of your company 's letter informing me that you are handling the collection of the account referenced in your letter dated XX/XX/year>. However, after reviewing my records, I can not find any documentation of a contractual relationship between XXXX XXXXXXXX XXXX XXXXXXXX, and me that would make you authorized to enforce a claim against me. 
This letter is not a request for verification or validation. It is a request for proof of contract to support your claim. Please provide a certified copy of the original contract with my signature, explicitly naming your company as authorized to enforce a claim against me. Certification should be made by a notary public, swearing that the copy is an exact reproduction of the original document. 
Failure to respond or to provide clear proof of such a contract will be taken as your agreement that neither you nor XXXX XXXXXXXX XXXX  XXXX, is entitled to enforce any claim against me. If you persist in collecting without providing proof of contract, I will file complaints with the Attorney General and Federal Trade Commission. 
You have 30 days to present valid proof of contract. If you can not, you must cease all collection activities and immediately remove any negative reports to consumer reporting agencies. If this account is transferred to an attorney without proof of contract, I will report the attorney to the State Bar Association and the Professional Liability Fund for ethics violations.

Scott & Associates mailed a response with the first page explaining that I am the correct person who owes the debt, which has nothing to do with my request stated above. Their packet also included XXXX page with a bunch of random codes and redactions, and although I am unable to comprehend what this document is, it still does not have anything to do with my request stated above. They topped off the mailing with over XXXX pages, with just copies of every single credit statement from XXXX, plus all of the documents with the account terms, all of which I already possess. 

Copies of my letter above and the XXXX documents received from Scott & Associates , PC XXXX XXXX XXXX In summary, Scott & Associates failed to produce the clearly requested certified copy of the documentation with the contractual relationship between XXXX XXXX XXXX and me that would authorize Scott & Associates to enforce this debt collection claim against meXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I received a Current Visa debit card and a Current Visa Credit card in the mail on XX/XX/XXXX. I did not apply for either card and was only aware of the cards when I received a notifcation on my identity monitoring account at XXXX on XX/XX/XXXX that a new account was opened at Current. My credit reports at all three credit bureaus list that the Current account was opened in XX/XX/XXXX. I have credit freezes placed with all three credit bureaus and disbuted the new Current account, but the disputes were denied saying that Current verified the account was mine. I tried to contact Current directly, but the only way to contact Current per their website is to fillout an online form or download the application and set up an account to chat through the app. I then tried to call the associated phone numbers listed on my credit reports and those numbers were not valid - one was for a fax machine and another financial institution. I believe this is a scam and do not want to call the number listed on the mailers for fear that more of my information will be fraudulently stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: CA

Complaint narrative:
Complaint Description I am filing a complaint regarding an inaccurate fee-free ATM representation and refusal to reimburse an ATM fee. 

On XX/XX/year>, at approximately XXXX AM, I used an ATM located at the XXXX on XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This specific ATM location was listed as fee-free in the Chime mobile app at the time of the transaction. I relied on Chimes in-app ATM map when choosing this location. 

During the transaction, the ATM displayed a fee disclosure screen indicating that the ATM operator would charge a fee. Despite Chime advertising this ATM as fee-free, a {$3.00} ATM withdrawal fee was charged and posted to my Chime account. 

I contacted Chime customer support to request reimbursement based on the inaccurate fee-free ATM listing. Chime refused reimbursement, stating that the fee was the responsibility of the merchant ( ATM owner ), despite the fact that Chime represented this ATM as fee-free in their own app. 

I explained that my dispute is not about who assessed the fee, but about Chimes inaccurate fee-free ATM representation and failure to reimburse a fee that should not have been incurred based on Chimes disclosure. Chime continued to refuse reimbursement, and the customer service representative terminated the call without resolving the issue. 

This appears to be a fee disclosure and representation issue. I relied on Chimes information when accessing cash and incurred a {$3.00} fee as a result of inaccurate or misleading fee-free ATM mapping. 

I am requesting : Reimbursement of the {$3.00} ATM fee, and Correction of inaccurate fee-free ATM listings to prevent future harm to consumers.

Company : Chime Financial , Inc. 

Desired resolution : Refund of {$3.00} and correction of inaccurate ATM listings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: OK

Complaint narrative:
On approximately, XX/XX/year>, I noticed that my online account was blocked on the Pentagon Federal Credit Union ( PFCU ). I called on XX/XX/XXXX and asked why, I was told that my account was " under review '' and it would likely be XXXX business days before it was cleared. 

On XXXX, I called again and was told it was " under review '' and there was no further information. It would likely be cleared in five business days. 

On XX/XX/XXXX, I called yet again and was told it was " under review '' and I could not have any other information. As well, I could not talk to the fraud department directly. I was told that it will take as long as it takes, and has been known to take as long as XXXX business days. 

I'm no lawyer, but it seems that PFCU has seized my assets without any due process. I am looking for some transparency by the fraud department. They never indicated any concern about my account before this incident, so I had no warning. 

I did not claim fraud to them. They finally admitted, likely inadvertently, that they had received a tip from XXXX XXXX XXXX XXXX ( XXXX ), of which I had no knowledge.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allen & Withrow
State: LA

Complaint narrative:
It has been 3 days since my debt that was being waged garnished was paid in full. Despite constant contact and being told " it will go out by the end of the day '', nothing has gone out. My employer is currently holding the check from my last deduction due to me verbally informing them that the account is {$0.00}. They won't be able to hold it any longer but this debt collector is not sending the release. With this being a pay period end, I'm also at risk of another unnecessary deduction due to this company not sending the release to my employer. I have spoken to several representatives that have given me either misleading or false information. XXXX XXXX is the Supervising representative that have promised me for the last 3 days, she would personally be sending out the release. This company is not following best debt practices, nor are they following the policies that they have informed me, the consumer, are in place for their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
Gurstel Law Firm , P.C . sent letters and made multiple phone calls attempting to collect a debt supposedly owed to XXXX XXXX XXXX between XXXX of XXXX through present. I had made multiple attempts to get validation on the debt, as I do not owe it. They failed to due so each time. They were then sent a cease-and-desist order. Despite the cease-and-desist they continued to contact me until we went to our first hearing in court. They were ordered to do an investigation by the judge in XXXX of XXXX. This has been delayed 4 times now due to them being unable to provide any documentation to validate the debt. They also recently, again despite the current cease-and-desist, sent me yet another letter dated XX/XX/XXXX, received XX/XX/XXXX. I have submitted a motion to dismiss to the court for this reason, but XXXX XXXX XXXX XXXX. has continued throughout this time to contact me, delay, and fail to provide any documentation that validates the alleged debt to the court and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
My father owned a timeshare at the time he passed. I was the executor of the estate. My area was experiencing extreme US Postal Service problems at the time ( XXXX XXXX XXXX. I knew I had not received statements for the annual fees. Received a Collections notice stating I owed {$1400.00}. Noticed it referenced the resort community, but didn't notice it was the wrong building. Paid it, trashed my credit score. Was speaking to the resort yesterday, she said i had never owed any fees and they had never sent anything to collections.

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 2026-01-23 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: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Help my rights are currently 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 I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt- including a signed agreement, full account history, and verification of the authority to collect-you must cease all collection efforts and remove the information from 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 2026-01-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Details of the initial dispute are included in the closed CFPB Complaint XXXX XXXXXXXX. 

Synchrony acknowledged receipt of the dispute and later responded via a CFPB response dated XX/XX/year>, stating that it had presented the dispute to the provider and resolved the matter in the providers favor. The response did not include an independent analysis of the insurance contract limitations, did not reconcile insurance payments versus patient responsibility, and did not explain why amounts exceeding the contractually permitted copays were legally collectible. 

The response included documentation that did not meaningfully address the billing error, including an unclear screenshot indicating a partial patient refund of {$350.00}, a CareCredit sales draft not signed by the account holder, and unrelated records from a different dental provider and time period. No explanation was provided as to how the remaining disputed balance was determined to be accurate. 

Because Synchrony relied solely on the providers assertion and did not conduct a reasonable independent investigation or provide a meaningful explanation addressing billing accuracy and legal collectability, Synchrony failed to comply with its obligations under the Fair Credit Billing Act.

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