vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 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: IL

Complaint narrative:
Agency : Consumer Financial Protection Bureau XXXX : Checking account Issue : Fraud / Account takeover / Unauthorized transactions Desired resolution : Reimbursement of negative balance ; correction of fraud classification ________________________________________ Complaint Narrative : I am submitting this complaint regarding improper handling of an account takeover and unauthorized electronic activity on my Chase checking account. 

I was contacted by individuals posing as a legitimate online lender. Under false pretenses, they induced me to XXXX temporary access to my online banking, claiming they needed to verify my account by depositing part of a loan. I did not authorize them to conduct any transactions or disputes. 
Without my knowledge or consent, the scammers accessed my account and filed disputes on several legitimate transactions. Chase issued provisional credits for those disputes. At the time, I was unaware the credits resulted from unauthorized disputes and believed the balance reflected legitimate funds. I used part of the balance in good faith to pay essential bills. 

When the scammers demanded I send money back, I became suspicious, immediately changed my passwords, secured my account, and contacted Chase to report the fraud and explain the situation. I specifically informed Chase that the disputed transactions were legitimate purchases so the merchants would not be harmed. 

Chase subsequently reversed the provisional credits, leaving my account approximately {$1600.00} negative, and refused reimbursement by classifying the incident as an internet loan scam. This classification is incorrect. The core issue was unauthorized account access and account takeover. I did not authorize the disputes, did not initiate them, and did not knowingly benefit from fraud. 

Under Regulation E, unauthorized electronic access and account takeover require investigation and consumer protection. Chase improperly reclassified the fraud to avoid liability and assigned losses to me despite my prompt notification, cooperation, and lack of authorization. 

I am requesting that Chase : Reclassify this incident as account takeover / unauthorized access Restore funds and remove the negative balance Provide written confirmation of correction Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: DISCOVER BANK
State: TX

Complaint narrative:
I am disputing multiple charges related to XXXX  XXXX, including a portion that constitutes unauthorized removal of my funds. 

I prepaid funds to XXXXXXXX to be held in my account balance before any work began. Approximately {$900.00} was never released to any XXXX and remained in my account balance. While a credit card dispute was active, XXXX temporarily refunded this amount and then later removed the {$900.00} from my account entirely without transferring it to a merchant or returning it to me. 

This {$900.00} was not exchanged for services, was not paid to any counterparty, and was taken from my account without authorization. It is not a services not rendered dispute it is an unauthorized removal of funds. 

The card issuer improperly treated this as a normal service dispute and refused to provide credit, despite the fact that these funds were never paid to a merchant and were taken after the dispute was initiated. 

I am requesting a compliance-level review, appropriate credit for the unauthorized removal of funds, and correction of any adverse or misleading credit reporting related to this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I took out a loan with XXXX XXXX XXXX  I was not informed at the beginning of the loan that 298 % XXXX is not normal and I've been struggling with it I've had a refinance multiple times just to keep up with it it's gotten to a point where I just can not continue to pay them anymore and I've tried reworking it out with them to get a lower XXXX and they're fighting me every step of the way for the amount I took out I took out a XXXX  {$1000.00} loan with the amount of times I had to refinance it XXXX  XXXX  to XXXX XXXX  and they're threatening my credit if I don't pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A man by the name of XXXX XXXX from a company by the name off ( XXXX XXXX XXXX ) located in California XXXX called me yesterday XXXX claiming to be a Law firm that was representing a ( XXXX XXXX  XXXXCapital One XXXX and stated i they have had been issued a Civil Complaint judgment on me back in XXXX and a big yellow enveloped was mailed to me at my address stating the debt amount of {$750.00} from a credit card ending in XXXX Visa, there was supposedly opened in XXXX and charged off in XXXX. I was shocked and confused because i know nothing about this supposedly visa ending in XXXX from XXXX XXXX/Capital One . i advise XXXX XXXX that i have never received anything in the mail nor email nor phone in this regard to this. XXXX XXXX is now saying his company will now be going to court in XXXX XXXX ) and are making judgment in the amount of {$4000.00} on a charged off account form XXXX. I advised them that i had no such account and needed more information to verify that it wasn't a scam call, since they were asking for payment over the phone. XXXX XXXX stated he could only give me the last XXXX of the credit card number XXXX which I then called and spoke with a Capital One agent ( XXXX ) id # XXXX in there recovery dept, gave her all the information i was given by XXXX XXXX and XXXX checked her system and stated there are nothing showing up in there system and went back to year of XXXX and the information was given by XXXX XXXX must of been false and even stated they DO NOT partner with any Bank by the name of XXXX XXXX and that Capital One is their own Bank. This made me even more concerned ; XXXX advised me to report it as a scam. I then called XXXX XXXX  recovery dept also and gave her the same information and she informed me that they also have nothing under my social security number and that it was more than likely a scam and that if they call back to not give any of my personal information or bank information. I called XXXX XXXX back ( XXXX XXXX XXXX ) to let him know what my finding was after speaking with both merchant & he then stated he could not and would not give me any more information and see me in court. I have no problem paying for my Debt if it's actually my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My previous complaint about this issue was partially resolved. My account is supposed to be in deferment until XX/XX/year>. The company has once again, failed to comply with their approval. I have received no documentation stating that the deferment was invalid or incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I used my cash app card at a restaurant. The restaurant attempted to run the card XXXX. In doing so cash app restriction on my cash balance for my protection. After contacting cash app and explaining what happened. The restriction was never removed. I tried to get it removed over XXXX plus times. Explaining the situation using the cash app support. I went as far as writing a letter of explanation and mailing it. I contacted cash app specialty team by email as well. To this day I have over XXXX dollars in my account I cant access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Exto Inc.
State: IL

Complaint narrative:
CFPB Statement of Facts Complainant : XXXX XXXX XXXX : Atlas XXXX XXXX XXXX Atlas XXXX XXXX/ Compliance Account Type : Consumer Account Date of Issue : XX/XX/year> XX/XX/year> Statement of Facts : XXXX. On XX/XX/year>, Atlas notified me that my consumer account would be restricted due to unusual login activity. I was informed that resolution would occur within approximately XXXX ( XXXX ) hours, pending my response. 
XXXX. I promptly provided written clarification to Atlas, including : I have not traveled XXXX the XXXX XXXX XXXX  The login activity in question was authorized ; Limited access is knowingly permitted for a small number of trusted individuals ; No more than XXXX ( XXXX ) devices were associated with my account. 
XXXX. Despite my timely and complete cooperation, Atlas did not : Complete a timely investigation into the alleged login activity ; Provide written findings regarding whether the activity was unauthorized ; Issue a Regulation Ecompliant error determination ; Provide provisional access or other interim relief ; Explain how a temporary security restriction escalated into a permanent account closure. 
XXXX. On XX/XX/year>, Atlas sent a written response stating the account was permanently closed due to internal security criteria and refused to provide any further information, documentation, or contact with a XXXX or XXXX representative. 
XXXX. Atlass actions violate 12 C.F.R. 1005.11 ( Regulation E ) by : Failing to investigate or resolve the alleged error promptly ; Failing to provide a written determination explaining the basis for adverse action ; Terminating access to my consumer account without lawful justification or opportunity to respond. 
XXXX. I am seeking : Written confirmation from Atlas of the investigation and findings regarding the alleged unusual login activity ; Restoration of access or other corrective action consistent with Regulation E ; Assurance of compliance with all applicable consumer protection regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was supposed to receive a loan from cash app borrow but bc i changed my account from a personal to a business then back to a personal they've been denying it and been denying to fix it or talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XX/XX/year> XXXX dollars was used or taken iut account and in XXXX XXXX dollars was used or taken out without permission

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 2026-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
National Credit Adjusters is reporting a {$350.00} collection account that has been disputed multiple times and returned as unknown, indicating the debt could not be verified. 

Despite this, the company continues to report the account as open and active without providing documentation establishing ownership, chain of custody, or authority to collect. 

This same account has been removed from my XXXX  credit report, yet continues to be reported to XXXX, demonstrating inconsistent reporting and failure to maintain accurate and verifiable information as required by the Fair Credit Reporting Act. 

I have not been provided : Proof of assignment or sale Chain of custody Original agreement Itemized accounting I am requesting immediate deletion of this account from all consumer reporting agencies and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my researchMIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am the victim of ongoing identity theft and attempted fraudulent account activity. In XXXX, SoFi attempted to open a new account in my name without my authorization. I became aware of this attempt when I was notified by the bank, but SoFi refuses to provide any documentation or details regarding the information used in the fraudulent account opening.

I need this information in order to : Provide proof of identity theft to the Social Security Administration to request a new Social Security Number Support ongoing investigations with law enforcement, including the FBI and XXXX XXXX XXXX  Department Submit documentation to financial regulatory authorities By refusing to provide this information, I believe XXXX XXXX XXXX  is not complying with the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ), which requires financial institutions to provide consumers access to information regarding accounts opened in their name under suspicious circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED- is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: HI

Complaint narrative:
Product : Consumer Loan / Installment Loan Issue : Problem with a loan or lease / Charged for something I did not get I am filing a complaint regarding a solar battery loan issued by Mosaic for an Enphase battery system installed by PV Tech in XXXX. The battery system has never functioned properly from installation through XXXX. 

Despite multiple service calls and troubleshooting, the system remains defective. Even after recent repair attempts, the batteries do not charge above approximately 30 % capacity, despite the system containing nine ( 9 ) batteries. A system of this size should reasonably achieve significantly higher charge levels and provide meaningful backup and grid independence. It has never done so. 

I am therefore making payments on a loan for a product that has never delivered the promised performance or benefit. This constitutes failure of consideration, breach of warranty, and misrepresentation. 

I have demanded removal of the defective batteries and cancellation of the associated loan. Mosaic has stated they can not do anything, which is unacceptable given that the financed product is non-functional. 

I am requesting that Mosaic cancel and discharge the loan, cease collection activity, and work with the installer/manufacturer to remove the defective equipment at no cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$32.00} in cash at a Bank of America ATM. The ATM accepted the deposit, and I observed the full amount being entered. Later, the deposit was adjusted as a cash shortage, and my account was debited for the full {$32.00}. 

I contacted Bank of America customer service, and they reviewed the transaction. I was told that the ATM needed to be recounted before a dispute could be opened. I requested information about the recount and account records to support my claim. I request that Bank of America review the transaction and correct my account accordingly.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: MD

Complaint narrative:
I added money to my Sendwave wallet but a since it was through my back account and not debit card it took longer so when it finally showed on my wallet I asked for a refund this was on XX/XX/XXXX. The transactions on the wallet say the money was refunded to my debit card. I called them on XX/XX/XXXX because I didnt see my refund and they said I provided them the wrong routing number. So I gave it to them again. I waited I didnt see the refund so I called again on XX/XX/XXXX. They said the routing was wrong again, so I provided them with my routing and the one for wires as well. I didnt received any email updates so I called again XX/XX/XXXX. I still didnt get my refund. So when I called on XX/XX/XXXX they told me it was past their refund window and they had to open a ticket and make it urgent I told them to put it back to my Sendwave wallet. This individual said I would receive an email, I did not. When I called again on XX/XX/XXXX, I asked to have the money on my wallet and to get a ticket number Send wave ticket XXXX. I called again on XX/XX/XXXX to get an update on the ticket to have the money back on the wallet, they said they would make it urgent again. I called yesterday ( XX/XX/XXXX ) with a ticket number Send wave ticket XXXX she said I would see by the refund by the end of the day ( XX/XX/XXXX ) or on XX/XX/XXXX. I have yet to get the funds on my wallet or an update via email. I also tried emailing them, they dont check their emails. I tried using the chat line it doesnt accommodate refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: TX

Complaint narrative:
Cosigned on the vehicle and the owner could not maintain payments and let the car go back to dealership. I dont have physical possession of the vehicle, and would like it removed from my credit as a co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The merchant claims a refund was issued but has not provided proof and no funds have been returned. My bank denied the dispute solely due to missing merchant documentation, despite evidence showing the merchant can not substantiate their 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 monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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