vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
} I am filing a complaint regarding a denied unauthorized debit card transaction of {$610.00} dated XXXX XXXX, 2026. I did not authorize this transaction and have never created or used a XXXX advertising account. The merchant documentation provided contains multiple discrepancies, including : - The name listed is XXXX XXXX instead of my full legal name. - The address listed is in XXXX, NJ, which is not my address. - I am a XXXX ( XXXX XXXX XXXX ) and would not be able to legally enter into an advertising contract. Despite these inconsistencies, Bank of America denied my claim stating the transaction was authorized. I am requesting a full reinvestigation and review, as I believe this transaction was unauthorized and may involve misuse of my personal or card information

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
this company has made inquiry to my credit report i did not authorize ant it it not mine

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
XX/XX/scrub>XXXX/2026 contact Cedars Business Service, LLC about a alleged collections in my report. I have made several attempts requesting proof of validation and accurate reporting and they have refused multiple times of submitting the requested information to me. Instead XXXX who is I spoke with told my of the amount due and the added fees for XXXX in which he continued to say the original owner XXXX University is billing those fees. When I asked for validation and an itemized statement showing what the fees are did he refused and said they want to charge me for pulling the debt and holding it in collections. This is a fraudulent activity. This price gouging, theft, fraud, manipulation. I should not and will not pay a collection company for this debt.Hank also hung up in my face when I stated I was not paying them to look at the debt or because they purchased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: GA

Complaint narrative:
I am disputing a transaction financed through Klarna for goods that were never received. The merchant claims the package was delivered ; however, the delivery confirmation clearly shows an incorrect address and not my residence. I notified the merchant on the same day of the alleged delivery and provided photos of my actual front porch to compare with the delivery image. This clearly demonstrated that the package was not delivered to my address. Despite having this information from the beginning, the merchant has continued to maintain that the item was properly delivered and has not taken appropriate action to resolve the issue. I have also confirmed that there is no active or valid carrier investigation, despite the merchant repeatedly using this as justification to delay resolution. This issue has now been ongoing for nearly two months. The merchant has failed to provide a refund or unconditional replacement and instead attempted to require that I cancel my dispute before issuing a replacement. Under established consumer protection standards, including the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ), consumers are not responsible for charges for goods that were not delivered as agreed. Additionally, financial service providers are required to conduct a reasonable investigation of billing disputes and may not rely solely on merchant assertions when evidence shows non-delivery. The continued delay in resolving this matter, reliance on inaccurate delivery confirmation, and conditioning of resolution on dispute cancellation raise serious concerns regarding the adequacy of the dispute handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding an unverified and inaccurate debt. On XXXX XXXX 2026, I sent a written debt validation request via certified mail. The company received the request but failed to provide any documentation validating the debt. Despite this, the company continued collection activity and updated the account on XXXX XXXX 2026. They also verified the account as accurate to the credit bureau during a dispute investigation without ever providing validation to me. The amount being reported is also disputed. The original issue involved approximately {$54.00}, which has been increased to {$330.00} without any explanation or itemization. This is a clear failure to validate the debt and continued reporting of unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been a capital one customer for about 10 years now. On XX/XX/year>, my joint checking account was closed. However my credit account was active. I called Capital one customer service on XX/XX/year> and talked with multiple representatives, one of them from the leadership ( EmployeID : XXXX ) but said there isnt any supervisor that I could talk to get the reason. Shes couldnt provide any informations regarding this. As a primary account holder, I wasnt communicated in any way ( email, phone, app, text, mail ) on why and when my account would be closed. I had been depositing my cheques on this account and now locked out of my account until the issue new cheques. The representative escalated my account for review but it would take 15-30 calendar business days and cheque would be available to me in next 7 days. I have direct withdrawals and credit card payments lined up and this behavior from capital one is totally unethical and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX i had sent a total of XXXX $ to a chime account, this was for a deposit on an item. During the time to arrange pickup the seller disappeared and was nowhere to be found. I requested the seller on the XXXX chime banking XXXX to send the money back. I heard nothing back. I filed a police report with the city of XXXX ( where the crime happened ). the case number is XXXX. I was on the phone with chime for a total of 59 minutes and was transferred around 6 times. The first time the service rep said they can not do anything, i then requested to be transferred to the dispute department, at the dispute department they were taking action to write a report and get a refund, i then got transferred again to another department. this department said they can not do anything and had to get transferred again to the dispute department. the dispute department verbal said that they can not dispute the transaction but they would be able to refund it. then i got transferred again and said i had to get transferred to the fraud department, and the fraud department said they were unable to help me. It is my understanding that Chime does not allow illegal activity, which this clearly is. The bank was unable to help me or with this issue and made it very frustrating to even address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
this company has made inquiry to my credit report i did not authorize and it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
My student loans were XXXX XXXX, but MOHELA is refusing to do so. I have requested to know the reasoning and it was stated that " it was the XXXX XXXX Department who is not doing so. '' I contact XXXX XXXX Department and they stated that they processed the TPD XX/XX/year>, and that MOHELA is neglecting to discharge the loans. This is not the first time this corporation has had issues with veterans. My fear is that if nothing is done, corporations such as MOHELA will continue to pray on unsuspecting veterans.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMorgan Chase for withholding {$240000.00} from a legitimate check deposit while refusing to provide any feasible or reasonable method for verification or release of funds. I opened a Chase checking account on XX/XX/XXXX and deposited a {$240000.00} personal check on, issued by my father-in-law at a branch on XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX The deposit was made in person with a bank employee, who confirmed there were no issues and advised that the funds would be available after a standard hold period by the end of XXXX. The funds were in fact debited from the issuers account on XX/XX/XXXX. Shortly after the deposit, Chase suspended my account, placing my full account balance on hold, on XX/XX/XXXX and closed my account on XXXX. Between XX/XX/XXXX and XXXX, I have contacted their customer service and the retail branch via phone calls and emails over XXXX times to find resolution. I repeatedly offered to provide standard, verifiable documentation to confirm the identity of the check issuer, including : - Government-issued identification - A signed gift letter - Supporting bank records - Direct verification from the issuing bank - Any additional documentation reasonably requested Chase has refused to review or accept any of these. Instead, they have imposed a single requirement : that the check issuer must have a United States phone number associated with his name. This requirement is arbitrary, unreasonable, and not a standard or legally required method of identity verification. The check issuer is not a XXXX resident and does not have a XXXX phone number. Chase is therefore imposing a condition that can not be satisfied while rejecting all conventional and verifiable alternatives. I have made multiple attempts to escalate this matter. Each time, I am routed to customer service representatives who state they can not deviate from this requirement and refuse to connect me to a supervisor or any team with authority to review documentation or make a decision. As a result, Chase is effectively denying access to my own funds with no viable path to resolution. This is not due to lack of cooperationI have fully cooperated and provided multiple legitimate verification options. Chases refusal to engage in any reasonable verification process is unjustified. Chases actions are preventing access to a substantial sum of funds without due process or reasonable justification. I request prompt investigation and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing a complaint against Bank of America regarding the closure of my personal and business accounts and the withholding of my funds. On or about XXXX/2026, I was informed that my accounts would be closed due to risk, and that I would not have access to my remaining funds until XX/XX/XXXX. I was not provided a clear explanation for the closure or the extended delay in releasing my money. At the time of closure, Bank of America is holding my payroll direct deposit in the amount of {$1000.00}, as well as a remaining balance of {$83.00} in my business account. These funds are from legitimate income and are needed for essential living expenses. The delay in access is causing financial hardship, and I have not been offered a reasonable option to access my money sooner. I have requested an expedited release of my funds, but no resolution has been provided. I am requesting immediate access to my funds, either through an in-branch withdrawal, cashiers check, or expedited disbursement well before XX/XX/XXXX. I also request a clear explanation for the account closure and justification for the delay in releasing my funds.

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 2026-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation
State: AL

Complaint narrative:
I was sent a bill regarding service do my son in 2024. I called XXXX XXXX XXXX XXXX department and asked if they had filed this bill with our secondary insurance provider which is XXXX. They stated they had not and would file with them and contact with the results. I was never contacted and assumed that all was handled. I then received a notice that my balance of {$1300.00} had been sent to a collection agency ( 2026 ). I contacted XXXX XXXX XXXX XXXX department again and was told that the secondary insurance company denied the claim. I contacted XXXX as XXXX XXXX XXXX couldnt provide information on why there was a denial. Upon speaking with the representative with XXXX and with her doing her research it was found that XXXX XXXX XXXX submitted the billing incorrectly by using my husbands name and my sons social. The system auto denied it as the information submitted didnt match ; a XXXX representative never saw the claim. This was clearly an error on part of XXXX XXXX XXXX. If filed correctly the first time this amount either would have been covered or I would have had a much smaller balance responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a business American Express card and a personal one. Both have no preset limits. Pre-set limits were recently imposed ( not happy about it but accept it ). The problem is they set the limits less than the balance I have on the card. So I instantly become over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: Valon Technologies, Inc.
State: CA

Complaint narrative:
My current monthly mortgage payment is {$1600.00}. However, for several months, Valon Mortgage has been incorrectly adding and subtracting {$16.00}, resulting in an adjusted payment of {$1700.00}. I contact Valon by phone each month, and while the issue is temporarily corrected, the error reappears the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am submmiting this complaint regarding inaccurate and inconsistant credit reportingon my accountby TD bank. I made a payment on XXXX XXXX to pay my line of credit payment at the local branch while the bank is open for buisness. the bank did not credit my check deposit until XXXX XXXX despite the banks failure to credit my account on ths same day under regulation z ( 12 CFR 1026.36 ) and regulation CC ( 12 CFR 229.10 ) payment made in person must be credited as of the day recieved. the failure to properly credit my payment has resulted inaccurate deliquency reporting. as a result of this inaccurate reporting my credit scores have significantly decreased. Td bank illegal reporting to credit agency and unwilling to investigate based of the regulation and the law indicate irresponsible behavior. on top of that the report indicate the inconsistancy of the reporting XXXX has 60 days late, the experian and transunion 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
We were in contract with a buyer who went to Contour Mortgage in XXXX XXXX for a mortgage. Property appraised for more than the sales price title was clear and buyer was qualified on income, assets and credit. Loan.Officer communicated in email the buyer was well qualified. Buyer decided to change his mind while in contract stating country at war, stock market is down etc. Buyer requested a denial from the loan officer who said he could not do that as that is mortgage fraud which is correct. Buyer proceeded to put a lot of pressure on the owner of Contour mortgage going above the loan officers head to request a phony decline to try and get his down payment back when he was a well-qualified borrower. Owner of Contour mortgage eventually caved in and issued a phony denial letter

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase of {$4800.00} using my Citibank credit card. The package was marked as delivered on XX/XX/year>, but I did not receive it. I contacted the merchant immediately and confirmed non-receipt. The merchant initiated an investigation with the carrier and later instructed me on XX/XX/year> that they could not proceed with their claim process unless my credit card dispute was withdrawn. Based on this instruction, I withdrew my dispute on XX/XX/year> and completed all requested documentation, including claim forms and supporting materials. On XX/XX/year>, the merchant confirmed they would submit the information to their claims department and that funds would be released upon completion of the process. I followed up multiple times throughout XX/XX/year> requesting updates and an estimated timeline for the refund. The merchant continued to indicate that the process was ongoing but did not provide a resolution or issue any refund. Despite my full cooperation and compliance with their requirements, I never received the promised refund. I then contacted Citibank to request that they open a new dispute based on the merchants failure to honor the refund agreement. Citibank refused, stating that chargeback rights had expired after I withdrew my original dispute. This is a separate issue from the original dispute. I withdrew my dispute only because the merchant required it in order to proceed with the refund process. The merchant did not fulfill their obligation, and Citibank has declined to review or assist despite this evidence. I would not have withdrawn my dispute if the merchant had not explicitly required it in order to proceed with their claim process. I am requesting that Citibank review this matter and provide a resolution, including a credit for the transaction amount and any associated interest charges.

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 2026-04-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion and XXXX violated my rights as a consumer under 15 USC 1681C-2 and i need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022

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