vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'Subject: Unjustified Closure of Bank Accounts Request for Reinstatement\n\nComplaint:\n\nI am filing this complaint regarding the unjustified closure of multiple bank accounts held by JPMorgan Chase Bank under the name XXXX XXXXThe accounts listed below were closed on XXXX XXXX XXXX without any clear explanation or valid reason provided. Prior to the closure, all accounts were in good standing, with no suspicious, fraudulent, or unusual activity. All transactions were strictly domestic within the United States, and there were no international transfers or activities that could reasonably trigger compliance concerns.\n\nThe closure appears to be arbitrary and has caused significant inconvenience and financial disruption. The bank did not provide sufficient notice, explanation, or opportunity to resolve any alleged issue.\n\nFor reference, below are the account identifiers associated with this issue:\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 XXXX XXXX XXXX XXXXI respectfully request the following:\n\t1.\tA full and detailed explanation of the reason for closing the accounts\n\t2.\tImmediate review of the decision\n\t3.\tReinstatement of the accounts, or clear justification if reinstatement is denied\n\t4.\tConfirmation that no negative or inaccurate reporting has been submitted to any consumer reporting agencies\n\nAdditionally, I request confirmation that all funds have been handled properly and that no restrictions or holds remain on any balances.\n\nContact Information:\nName: XXXX XXXX XXXX XXXX XXXXThis action by the bank appears unreasonable given the absence of any wrongdoing. I expect a prompt and fair resolution of this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to formally complain about an incorrect account status reported by XXXX XXXX XXXX XXXX credit reports with XXXX, XXXX, and XXXX. The account in question is listed under account number XXXX, with a current balance of {$4600.00} and marked as derogatory. I have consistently disputed this incorrect information on XXXX separate occasions : XX/XX/year>, XX/XX/year>, and XX/XX/year>, using the automated dispute process ( autoblast ). Despite these efforts, the erroneous derogatory status remains on my credit reports, adversely affecting my credit scores ( XXXX : XXXX, XXXX : XXXX, XXXX : XXXX ). These inaccuracies are damaging my financial standing and limiting my access to credit, which is vital for managing personal and household expenses. According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair credit reporting. The persistent presence of this incorrect derogatory status is a violation of my rights under the FCRA, as it results in misleading representation of my creditworthiness. It is imperative that creditors and credit bureaus maintain accurate information, and I am dismayed by the lack of corrective action despite my previous disputes. I request the immediate removal of this account from all three major credit bureaus. I trust that the Consumer Financial Protection Bureau can facilitate a timely resolution to correct this issue and help restore the integrity of my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In XXXX opened app a account with this company in XXXX representatives from this company insured me if I pay the account in full that it would not be placed on my credit so I paid in full and it is being still reported on my credit when I was ensured that it would not go on my credit. I also was a victim of a data breach, and I feel that's why this company is still reporting information that's incorrect on my credit I off requested a 1099 form because they said the account was a charge-off.But they refused to provide me with that information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/26, I contacted Navy Federal Credit Union to find out why am I being charged a XXXX XXXX TIP on my second mortgage. The initial female rep could not state why and stated she could try to get me out of it. She then spoke with her supervisor, transferred me to him, and he offered no assistance, just other products with the same financial bondage and slavery. This is appalling and bad business practices and should be illegal. Why does the government allow financial institutions to enslave consumers financially? Let alone XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, Robinhood informed me that my XXXX XXXX rewards rate was reduced from 3 % cash back to XXXX point per dollar for 12 months because my spending allegedly resembled business or resale activity. I contacted Robinhood and asked it to identify the specific transactions, merchant categories, or conduct that triggered the restriction, and I also asked whether there was any manual review or appeal process. Robinhood refused to provide that information and told me the decision was automatic, could not be manually reviewed, and would remain in place for the full 12-month period. Several transactions that may appear unusual were for my own personal vehicles, not for business, resale, or commercial use. My statement shows a XXXX XXXX, XXXX XXXX charge of {$8400.00} plus a {$20.00} XXXX charge, which related to my purchase of a XXXX for personal use. My statement also shows a XXXX XXXX, XXXX Atomic Wheels charge of {$770.00} for wheels for my own XXXX, XXXX XXXX, XXXX Fixgo charges of {$650.00} and {$480.00} for wheels/tires for my own XXXX, and a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} for a Full Self-Driving buyout for my own vehicle. These are personal vehicle expenses, not business inventory or resale activity. My statements also show many ordinary personal consumer purchases, and they show no cash advances, no fees, and no interest during these billing periods. Robinhood still imposed a 12-month rewards penalty without identifying what specific conduct allegedly violated its rules and without offering any review process. That leaves me with no meaningful way to understand, dispute, or correct the issue. I am requesting that Robinhood provide a written explanation of the transaction categories or conduct that triggered this restriction, provide a meaningful review or appeal process, and reconsider the 12-month restriction based on the personal-use nature of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management and their failure to properly validate a debt they are attempting to collect and report. I previously sent a written request for validation of this debt related to a XXXX XXXX XXXX account XXXX In response, Midland Credit Management sent a collection letter containing only basic account information such as the original creditor name, a partial account number, and a balance. However, Midland failed to provide proper validation of the debt. They did not provide any documentation showing that I am legally obligated to pay this debt, including a signed agreement, complete account history, or proof of ownership and transfer of the debt. Additionally, Midland continues to attempt to collect this debt and report it to credit reporting agencies despite not providing sufficient validation. This raises concerns about the accuracy and legitimacy of the account. Given that this debt may have been sold from the original creditor, I am also concerned about duplicate and misleading reporting, as the original creditor and collection accounts may both be appearing on my credit report. Under the Fair Debt Collection Practices Act, I am entitled to proper validation of the debt. Providing only a collection notice does not satisfy this requirement. I am requesting that Midland Credit Management : 1. Provide full and proper validation of the debt, including documentation of the original agreement, complete account history, and proof of ownership 2. Cease collection and reporting activity until proper validation is provided 3. Remove the account from all credit reporting agencies if they are unable to fully verify the debt This account is negatively impacting my credit and financial stability, and I am seeking resolution in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : [ insert todays date ] Caine & Weiner Company , Inc . XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Request FDCPA Dear Sir or Madam : I am writing to formally request that you cease and desist all communication with me regarding the alleged debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). You are hereby instructed to stop contacting me through any means, including but not limited to phone calls, text messages, emails, or written correspondence, except for the following purposes : 1. To inform me that no further contact will be made, or 2. To notify me of specific legal action being taken. Additionally, I request that you ensure any information related to this account is properly verified and that you refrain from reporting any inaccurate information to credit reporting agencies. Failure to comply with this request will be documented and may result in legal action for violations of the FDCPA. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERICAN INTERNET MORTGAGE
State: KY

Complaint narrative:
AIM Loan has falsely lead me through a very intensiveapplication process, including immeidately submitting myaddress, home value, loan amount, income, social securitynumber, etc. I spent hours filling out information andproviding a credit check. I then get an approval letter withthe stated rate, fees, amount for closing, etc. I even get contacted to schedule an appraisal as they've already take nmy money. Underwriting starts collecting multipled ocuments and again, I have spent literally hours submittingall this information. XXXX calls me multiple times and neversays a word about an issue. She even contacts me and ask sfor an additional fee as they had to extend my rate lockwindow to 45 days, which I approved - thus they knew theclosing requirements, etc. Then after a solid XXXX hours of time spent, she comes back and now claims that they " JUST LEARNED '' what the Kentucky state will allow for lender fees and we exceed those. Not by a little bit that was perhaps due to the rate lock change, but thousands of dollars and wants a significant rate change. Their software should easily know state requirements and be able to account for this when the inital values are plugged in and warn/advise customers before collecting personal information, running credit, and taking payments. This is unethical and bad business practices. I then demand an email from XXXX and she basically confirms this was the process. They are trying to bait and swithc the rate and force me into a worse mortgage because I've already invested so much time. This is totally unethical and unfair marketing/advertising practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: HI

Complaint narrative:
The following accounts remain inaccurately reported : XXXX XXXX XXXX Account No : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continental Finance Company Account No XXXX XXXX XXXX XXXX XXXX XXXX Despite prior disputes, these accounts continue to report ongoing monthly charge-offs and/or inaccurate balances. LEGAL BASIS : Under the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Maximum possible accuracy required 15 U.S.C. 1681i ( a ) : to conduct a reasonable investigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : to disclose method of verification XXXXXXXX XXXX XXXX XXXX XXXX, the court held that credit reporting agencies must go beyond superficial verification and conduct a reasonable investigation. In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, the court confirmed that merely parroting information from furnishers without independent investigation is insufficient under 1681i. Your continued reporting of these accounts without providing documentation or method of verification indicates a failure to comply with these legal standards. ADDITIONAL VIOLATIONS : 15 U.S.C. 1681s-2 : Furnishing inaccurate information 15 U.S.C. 1692e : False or misleading representations 15 U.S.C. 1692g : Failure to validate disputed debt 15 U.S.C. 1666 and 12 CFR 1026.13 : Failure to investigate billing disputes DEMAND : I am requesting : Full documentation verifying each account Method of verification used Confirmation of Date of First Delinquency Immediate deletion of any unverifiable accounts NOTICE OF INTENT : Failure to comply will be documented as willful noncompliance under 15 U.S.C. 1681n and 1692k. I am prepared to pursue legal remedies, including statutory, actual, and punitive damages. They knew or recklessly ignored the law : {$100.00} {$1000.00} per violation

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 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was called by a Wells Fargo number that matches the back of my debit card that turned out to be an impersonator from their fraud department prevention services. They told me someone was using my card and trying to take XXXX grand out of my local bank and I should go there while they freeze my account to see who could possibly have my information or if we can trust a associate there. Me being in panic mode after hearing this made me a fool. This happened on XX/XX/XXXX on Thursday around XXXX XXXX pm where I was told to take out XXXX and deposit it into my new Wells Fargo account through the drive through atm since it was close to closing time. The atm machine is located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The fraud provided me a one time pass code and said I will be getting my account number and new debit card the next day. When I didnt receive the new info I knew something was wrong and had to wait till XX/XX/XXXX to make a dispute claim. I called almost every other day to follow up. Wasnt much help. Finally I asked if I should make a police report they agreed.I showed the cop all my proof of what happened. I sent them in the report and they still denied my claim. I went back to the local branch where I deposited my money into what I thought was going to be my new account to make another claim to the manager about the outside drive through. Still waiting to hear back from them but I am highly devastated by this. I am currently injured and can not work still while I try and manage my pain. That money was from a case I won back in XXXX. I never thought I couldnt trust Wells Fargo with not having me protected as a loyal customer since 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 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX requested hardship packet. First XXXX times it was mailed we never received nor did the then attorney receive it either. I called in XXXX spoke to nasty rep he kept repeating I had to go online and just repeating then belittling comment saying we are XXXX XXXX behind maybe we should pretty much give up.. If he would have read he would have saw my husband was in XXXX XXXX and why but it had to be closed. I contacted XXXX to help they reached out to them Saying it will take up to 60 days to respond and this is not acceptable because they are of course mailing us and certifying packets but so far not the headship packet.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MS

Complaint narrative:
I am filing a complaint regarding denied fraud disputes on my XXXX account with MoneyLion. I experienced multiple unauthorized transactions totaling approximately {$2000.00} from the same merchant. I did not authorize these charges and reported them promptly. MoneyLion denied my claim stating the transactions were consistent with prior activity and matched my billing address. However, matching billing information only proves my card details were used not that I authorized the transactions. My card remained in my possession, I did not benefit from these purchases, and the repeated transaction pattern is inconsistent with my normal spending. I am requesting a formal reinvestigation, reimbursement of the unauthorized charges, and documentation of the evidence used to deny my claim.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
A scammer got access to my XXXX account and used my card that was on file with XXXX to purchase items. This person used debt my card to purchase {$95.00} worth of food and picked the items up at a target in XXXX. I reside in XXXX. I didnt authorize the transaction. I contacted target to inform them of the fraudulent/unauthorized activity that took place on my account. XXXX order support stated I needed to dispute the charges with my bank. I contacted Chase bank where they submitted a dispute on my behalf and after review, Chase claims department stated the merchant is claiming the charges are valid and refuse to reinvestigate the claim unless documentation is provided. The transaction took place on XX/XX/year> at XXXX am and was picked up with XXXX while I was asleep as XXXX is in a different time zone. I provided Chase with a police report claim number as documentation for the fraudulent/unauthorized activity and the claims department told me that wasnt enough documentation to prove I wasnt in a different state and picked up items from XXXX myself. I provided Chase proof of receipts of pick up location being in a different state from where I live with my card being used as well as camera footage of me at my home in XXXX that night. I provided them with my ID and a food order ( XXXX XXXX ) I picked up in XXXX, XXXX that day time stamped as well and they are refusing to give me a refund for the fraudulent charges. I made my claim with Chase bank on XX/XX/year> in the morning at XXXX after I saw the charges on my bank account. I uploaded documentation to them on XX/XX/year> and received a notice from Chase that my claim was closed due to the merchant stating it was a valid charge and they refuse to reinvestigate the fraudulent activity. My XXXX account was compromised and now dont feel any safety/security with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: Atlantic Recovery Solutions LLC
State: NC

Complaint narrative:
I received a phone call on XXXX from a company identifying itself as XXXX XXXX ( Atlantic Recovery Solutions ) from phone number XXXX. The caller attempted to collect a debt but failed to clearly identify the original creditor, account number, or provide sufficient information for me to recognize the alleged obligation. I requested written validation and a complete accounting of the alleged debt. The representative stated that documentation had already been sent, refused to resend it, and indicated that they would proceed to report the matter to the credit bureaus. I do not recognize this alleged debt and have not been provided with enough information to verify its legitimacy. I am requesting that the company provide proper validation, including identification of the original creditor and a full accounting of the alleged obligation, before any further collection activity or credit reporting occurs. This complaint is being submitted due to failure to provide sufficient identifying information and refusal to properly validate the alleged debt upon request. I attached screenshots of them calling me and XXXX showing where I called and attempted to get information to assist me in handling the obligation if it is truly mine and owed.

Company response to consumer: Untimely response