vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, at the end of XX/XX/XXXX I was referred to Chase for another card ( I had two with Chase already ) and I went into the store to ask one of the bankers what the difference between the two tiers of cards were. The saleperson ignored the referral and signed me up as a new card, which I didn't find out about until my friend mentioned he hadn't seen anything yet. I called on the XXXX and was told by a manager, XXXX, that it would be no problem to add the points to my friends account for the referral, he would just need to call in and reference my account which she had opened a case on. They also told me on this call that the person who signed me up is indeed commission based and would not have received the commission had he followed the referral protocol. After not hearing anything for 3 weeks, on XX/XX/XXXX my friend told me Chase was telling him that they would not be able to honor what they had agreed on. After hearing this I called in and escalated until I connected with a Client Services manager, XXXX, who told me directly that Chase was lying to us in order to stall out the window for which we would be able to open a dispute. When I asked for a recording of that call he laughed and said I shouldn't expect the largest bank to be held to their words. He refused to provide documentation and hung up on me. Within 30 minutes of this interaction I was in the XXXX XXXX XXXX which had signed me up speaking with the bank manager, XXXX, who promised me that she would escalate me to someone who would be the end-all decision maker with the authority to actually solve my problem. His name is XXXX and reached out by the XXXX XXXX XXXXXXXX. He told me things were handled. It has now been another month and there has still been no movement on this and worse still I can not reach XXXX at the extension provided. I returned to Chase today and have been banned from the Branch after I called the branch manager empty headed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint regarding the sudden and unexplained closure of all my credit accounts by Synchrony Bank on XX/XX/2026. On that date, Synchrony Bank closed every one of my accounts without prior warning, notice, or explanation. At the time of closure, all accounts were current, with no late payments and no history of delinquency. My credit utilization was responsible and within reasonable limits. There were no risk indicators that would justify such drastic action. The accounts affected include : Lowes Consumer Credit Card Synchrony XXXX XXXX CareCredit Card Synchrony XXXX eBay Mastercard Amazon XXXX Store Card Immediately after discovering the closures, I contacted Synchrony Bank seeking clarification. Multiple representatives were unable to provide any meaningful explanation. I was told that a letter would be mailed and that I could not speak directly with anyone in the credit or compliance department. I was effectively denied access to any decision-maker or meaningful review process. On XX/XX/2026, I received separate letters for each account stating the reason for closure as compliance agreements. This explanation is vague, non-specific, and provides no actionable information. The letters also state that the decision is final, offering no opportunity for appeal or reconsideration. This is the second time Synchrony Bank has closed my accounts without cause. A similar incident occurred several years ago under similar circumstances. The consequences of these closures have been severe : My credit score dropped significantly due to the sudden reduction in available credit and changes in utilization ratio. My business operations were negatively impacted, as I use several of these accounts for purchasing materials and managing project expenses. My personal financial stability was disrupted without justification. As a consumer who has maintained all accounts in good standing, I believe this action was unfair, damaging, and inconsistent with principles of fair lending and transparency. The lack of explanation and refusal to allow review raises serious concerns.

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 2026-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
" I am filing this complaint against Capital One for a violation of the Fair Credit Billing Act. I have provided clear evidence from the merchant ( XXXX ) stating 'You were not charged for this order ' ( Order IDs : XXXX ). Despite providing screenshots of the cancellation at XXXX XXXX on XX/XX/XXXX, the bank repeatedly closes the case claiming the merchant shipped the items. Capital One is failing to conduct a reasonable investigation by ignoring the merchant 's own system logs that confirm no charge should exist. I request a permanent reversal of the {$63.00} charge. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My PayPal account was hacked and money was take from my account and paypal refuses to give me back my money. I did not make the 2 transactions. I filed an appeal and still nothing. I have even spoke to a supervisor and requested proof that I made the transactions and they did not provide any proof. That was part of my rent money

Company response to consumer: Closed with explanation
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: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I was the victim of a scam and was instructed under deception to load {$2200.00} onto a debit card via Cash App. Cash App escalated my dispute but has never provided written confirmation, updates, or investigation results despite multiple contacts. My bank redirected me back to Cash App. I am requesting regulatory review and assistance under Electronic Fund Transfer Act protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NY

Complaint narrative:
At around XXXX I received a call from a XXXX number 3 different rounds of ringing all the way through, I picked up the 4 round and a automated machine was asking if I was authorizing a purchase from I have no idea what... suddenly I'm getting a bunch of emails from all kinds of companies I'm at this point calling companies back explaining it's not me they specifically went after only this credit karma card, I just got a replacement card less then 2 weeks before activation on this card I received from them... I'm calling them I get through to a agent telling me that I have no need to worry, I have the time stamp and so I call the credit bureaus and call credit karma back and my password changed, my phone number is someone else number, I'm a XXXX guy just trying to feed myself and keep some cash put aside and they let someone swipe every bit of my XXXX I had in my account after I spoke with a agent not less than 30 minutes of not having to worry about theft, I kept calling and calling, my account is just gone!!! My number is out of the system so I can't talk to nobody directly, This happened from XXXX XXXX And after all the security they make me go through just to ask why someone was in my account another time It was just to easy, that's why I said to them someone has access to my information and didn't care getting caught, my phone been the same number 10 years already, I been banking with them for 2 years same phone number they even ask for s.s.n. all I know is my money is completely gone and they're texting me saying someone going to email me?!!! Wow... Total disregard for the XXXX and I told whomever I last texted that I was letting this be known until I get every dollar back DO NOT PUT A DIME IN CREDIT Karma I sent the texts from the last gentleman that basically was trying to give me the runaround even more than what they've doing ... I explained the same issues, how someone comes right behind me use my card, change my password and phone number and wipe my account balance clean out In one day!!! Same Day credit karma called me about it, They did nothing to secure my account as i asked from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I checked my credit report and noticed some inaccurate information. Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is refusing to refund {$1200.00} and denying my claim of fraud. They are causing unreasonable time, money and harm even though charges were made in an entirely other state. They are placing the burden upon myself to file a police report even though for some of the charges they have recognized fraud and returned the money. They are stating that I have to prove my innocence. I thought that banks were to protect our money and personal information. I have banked with Chase for almost 20 years and I am horrified by their lack of help, understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was recently sold to Carrington Mortgage Services. Prior to this, XXXX, my previous mortgage servicer, charged my account a {$150.00} " property inspection '' fee. I refused to pay this fee because my property was never inspected, and the amount seemed unreasonable. I previously disputed this with the CFPB because XXXX would not accept partial payments. Now, Carrington Mortgage is attempting to collect the same {$150.00} fee, even though it should be rolled into the remaining XXXX XXXX of my mortgage. Their payment system prompts me to pay more than I owe, preventing me from making my regular monthly payments on time. This {$150.00} fee will cause me to fall behind on my mortgage because my bank account only has enough to cover my budgeted payment amount. Carrington 's payment system only provides XXXX payment option, which is through my checking account. Carrington Mortgage Services advertises that payments can be made with XXXX, XXXX, and debit cards ; however, the only payment option available to me is through my checking account. XXXX claimed that late payments had to be made through checking accounts, but I am current with Carrington and have never been late. I should have the option to choose my payment method like anyone else. This seems like an unexplained restriction or possible discrimination. I will be seeking other agencies for further legal advice regarding this matter but need the restriction lifted in order to make my payment on-time.

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: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX for failure to comply with the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 C.F.R. 1005 ). On XX/XX/2026, an unauthorized transaction in the amount of {$3000.00} was made using my card ending in XXXX. I did not authorize, initiate, or benefit from this transaction in any way. I immediately reported the fraud to Wisely and opened a dispute, which was assigned case number XXXX. Despite my timely notification and full cooperation throughout the process, Wisely denied my dispute, stating that they found no error. In addition, I filed a formal police report to document the theft and confirm that I am a victim of fraud. I have complied with all requirements and provided all requested information. Under the EFTA, specifically 15 U.S.C. 1693f, financial institutions are required to conduct a reasonable investigation when a consumer reports an unauthorized electronic fund transfer. Furthermore, under Regulation E ( 12 C.F.R. 1005.11 ), they must investigate within established timeframes, provide provisional credit when applicable, and deliver a clear written explanation of their findings, including the evidence relied upon to deny the claim if requested. I believe XXXX failed to conduct a reasonable investigation and did not provide sufficient evidence or a detailed explanation to justify the denial of my dispute. Denying my claim without proper documentation and transparency may constitute a violation of federal law. The loss of {$3000.00} has caused me significant financial hardship, affecting my ability to pay essential living expenses and financial obligations. Additionally, I respectfully request that the Consumer Financial Protection Bureau evaluate whether XXXX conduct in this case reflects a broader pattern of noncompliance with the EFTA and Regulation E. If violations are found, I request that appropriate corrective actions and regulatory measures be taken to ensure consumer protections are upheld. I also request regulatory oversight to ensure my case is reviewed fairly, thoroughly, and in accordance with federal law. I respectfully request a full investigation of this matter and that Wisely be required to comply with the EFTA, including conducting a proper review and reimbursing the unauthorized transaction. Sincerely, 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: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Subject : Formal Debt Validation Request and Dispute of Alleged Balance {$640.00} Dear Credit Corp Solutions , INC, I am writing to formally dispute the alleged debt of {$640.00} 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 {$640.00} was calculated. A copy of any signed agreement or contract demonstrating my obligation to pay. Documentation showing that Credit Corp Solutions , INC 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 XXXX5 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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:
I am writing to dispute information reported on my TransUnion credit report. I request an investigation and correction or removal of items that can not be verified, as required by the Fair Credit Reporting Act ( FCRA ). Accounts in Dispute : Charged Off XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} Inquiries XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: EAST WEST BANK

Complaint narrative:
I dont understand why XXXX ( asylum rejected ) can qualify for mortgage with East West Bank and XXXX XXXX XXXX They are willing to pay higher prices that hard working US citizens can not afford.

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: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX Last XXXX XXXX Re : Dispute Inaccurate Balance Reporting ( FCRA Violation ) To Whom It May Concern, I am formally disputing inaccurate balance reporting on the following account listed on my XXXX credit report : Collection Agency XXXX Consumer Adjustment Company Original Creditor : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Reported Current Balance : {$2000.00} Reported High Balance : {$1500.00} Date Opened : XX/XX/XXXX This account is reporting contradictory and mathematically inconsistent information. The High Balance is listed as {$1500.00}, yet the Current Balance is reported as {$2000.00}. A current balance can not exceed the highest balance ever owed unless additional charges, fees, or interest have been added and no such breakdown is being reported. This constitutes inaccurate and misleading reporting in violation of : 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i Requirement to conduct a reasonable reinvestigation of disputed information If additional fees or interest were added, I demand a full itemization showing : 1. The original principal balance 2. Any interest applied ( with rate and calculation method ) 3. Any collection fees or added charges 4. The contractual basis permitting such charges If TransUnion can not verify and document the accuracy of the reported balance with competent evidence, you are required to delete this account immediately. Reporting inflated, inconsistent, or unverified balances causes measurable harm to my creditworthiness and financial standing. Continued reporting without proper verification may constitute willful noncompliance under the FCRA. Please complete your reinvestigation within the 30-day statutory timeframe and provide written confirmation of deletion or correction. I expect full compliance with federal law. Sincerely, XXXX XXXX

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: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I applied for and was approved for a Capital One XXXX Secured credit card. I paid the required security deposit immediately. On XX/XX/XXXX, I received an email stating the card had shipped and would arrive XX/XX/XXXX. I never received the card. On XX/XX/XXXX, I contacted Capital One. I was told my date of birth did not match what was listed on the account. This is extremely concerning, as the account had already appeared correctly on my credit report, and I have existing Capital One checking and savings accounts without any prior verification issues. I attempted identity verification multiple times via text message and phone call. None of the verification methods worked. I uploaded my drivers license through their secure portal as instructed. I was told the document would be reviewed and that I would be contacted within XXXX business days. I was never contacted. On XX/XX/XXXX, I called again. I was told I had previously been contacted at a phone number that is not mine. When escalated to a supervisor, I was then told there was no phone number on the account at all. This contradiction raises serious concerns about the accuracy and security of my personal information within their system. Despite already providing government-issued identification, Capital One repeatedly required me to complete the same failed verification steps. No functional solution was offered. Because of the incorrect date of birth on the account and the unexplained appearance of an unknown phone number, I lost confidence in the security of my personal data and requested account closure. I was informed my security deposit would not be returned until XXXX billing cycles had passed, even though : I never received the card, I never activated the account, I never made any purchases, There is no outstanding balance.

Company response to consumer: Closed with monetary relief
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: Kriya Capital, LLC
State: LA

Complaint narrative:
On the XXXX XX/XX/year>, I approached Credence Resource Management and said they have a claim on my credit bureau and I would like to know what it is as I do not have an account with them. I also asked for a XXXX ) validation letter to this account XXXX ) CEASE AND DESIST XXXX ) CREDITOR-DEBT COLLECTOR DECLARATION XXXX ) XXXX REQUESTED INFORMATION They have not send anything yet. Can they please remove this account from my credit bureau list as I don't owe them any money Thanks XXXX

Company response to consumer: Closed with non-monetary relief