vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I booked a flight for myself and my family through Chase XXXX using my Chase XXXX XXXX XXXX XXXX at a total cost of {$880.00}. The ticket was non-refundable and subject to standard cancellation policies. On XX/XX/XXXX, news reports indicated the start of a military conflict involving XXXX and XXXX, raising serious safety concerns regarding our upcoming travel. Given the uncertainty and potential risks, I immediately contacted Chase XXXX to inquire about cancellation options. During the call, I clearly explained that I did not feel safe traveling with my family due to the reported military conflict in the region. The representative reviewed my booking and presented two possible options : She would submit a request to the airline to review the cancellation due to safety concerns. She would alternatively attempt to process the cancellation based on a recent schedule change made by the airline. Although the airline had announced a flight schedule change a few days priorand I had already approved the updated timethe representative stated that there may still be a way to utilize that change as grounds for cancellation. Based on the assurances provided during that call, I concluded that my cancellation would likely be approved and refunded. Relying on this representation, I proceeded with modifying my travel arrangements, which resulted in over {$1500.00} in additional last-minute booking costs. Approximately two months later, after I had completed my travel to XXXX, Chase contacted me around XX/XX/XXXX and informed me that the refund request was denied. I was told the airline responded that there was no war occurring in XXXX and that if I believed otherwise, I would need to provide proof of a military conflict. I find this response unreasonable and inconsistent with the information available at the time. Furthermore : Chase refused to provide any written documentation of their investigation. No emails, letters, or secure messages were posted to my account. All communication was conducted exclusively by phone. My request for written explanation was denied, citing corporate policy. I believe Chase XXXX mishandled this matter and failed to properly represent the likelihood of a refund. I made financial decisions based on the information provided by their agent, which resulted in substantial losses. I am formally requesting a full refund of {$880.00} for the canceled flight, as well as a review of how this case was handled. I look forward to your prompt response and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Spoke with customer service on XX/XX/year> as this was the first notification that I had received regarding this issue. Had not received any emails, letters or phone calls regarding this issue previously. I asked what were the purchases that were made ( what products ) and had they been made in the store or online. The customer service person could not/would not tell me. I can go online and see statements from XXXX ( on Midlands site ) but it does not give me the information that I asked about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
on XX/XX/year> I tried moving {$100.00} out and I got an error message. I moved in {$2000.00} dollars and it went through On XX/XX/year> I tried moving out {$100.00} again and I got the same error message. I called the bank on XX/XX/year> I they stated they would get back to be in 5 business days. I did not hear from them and the problem has not yet been resolved. I called again today and they have no timeline to resolve this issue.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX, DELIVERED DINING ROOM TABLE AND CHAIRS THAT WERE INSTALLED INCORRECTLY, ALONG WITH A SECTIONAL. THE RIGHT SIDE ARM WAS INSTALLED, AND THE LEFT SIDE ARM WAS INSTALLED INCORRECTLY. I COMPLAINED TO THE WAREHOUSE MANAGERS AND THE STORE MANAGER. 2 MONTHS AFTER DELIVERY, THERE WAS A BEDROOM SET, A SLEIGH BED, OUT OF THE BOX, A HEADBOARD, AND A FOOTBOARD INFESTED WITH BED BUGS, XXXX XXXX AND MY CREDIT CARD WAS CLOSED, AND CHARGED OFF ALL MERCHANDISE REMAIN IN HOUSE, AND MY CREDIT IS CHARGED OFF.

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: 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX, XXXX, and XX/XX/XXXX someone used my card for six grocery purchases in XXXX, Florida. I was not in XXXX those days, and I have proof from phone records, and XXXX XXXX Hotel receipt for XX/XX/XXXX, and from XXXX records that I was nowhere near XXXX on those dates. Since XX/XX/XXXX I have had repeated conversations with Barclay Band Fraud Investigation Department to no avail. They claim that these charges were made by XXXX with my phone. But, I was using my phone ( records prove this and prove that I was at home in XXXX. The Bank has now threatened to report me to all the Credit agencies if I do not pay. So, I did pay the charges I did not authorize to avoid interest and late-fees. However, I am XXXX XXXX old and probably should not worry about a bad credit score since my grave, casket, and tomb stone are already paid for! How about some help. I did not shop at XXXX in XXXX those days, and I want my money back without any more trouble from Barclay Bank.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am filing a complaint regarding Early Warning Services failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). Early Warning Services is reporting a negative deposit-account entry attributed to XXXX XXXX Bank described as checking account fraud/account closure. I disputed this entry in writing via certified mail, which Early Warning Services received on XX/XX/year>2026 ( delivery confirmed ). My dispute requested verification of the completeness and accuracy of the reporting, including the method of verification and documentation supporting the entry. Instead of providing documentation or verification details, Early Warning Services has continued to report the information without demonstrating that a reasonable reinvestigation was performed. The furnisher ( XXXX XXXX Bank ) has stated only that its internal fraud department closed the account and that its records are accurate, but no transactional evidence, consumer-specific documentation, or verification details were provided. Early Warning Services appears to have relied solely on the furnishers conclusory statement rather than independently verifying the information as required by 15 U.S.C. 1681i ( a ). Because this reporting prevents me from opening and maintaining normal banking relationships, the failure to properly investigate is causing ongoing financial harm. I am requesting regulatory assistance to ensure Early Warning Services performs a lawful reinvestigation and complies with federal consumer reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
My loans from XXXX XXXX were dismissed in 2022. I have the email from XXXX. Of XXXX letting me know my loans are forgiven. Half of my loans were forgiven, but the other half are in some weird deferment. I tried calling student loan, they had me call my servicer. I called the servicer, they told me to contact borrows defense at student aid. I call them, they told me they see what I am talking about, but they can not do anything for me, it has to be the loan servicer. I called them back amd they told me they can't do anything, I have to call student aid again. I called them again and they said I should contact the XXXX since I was getting a run around. I have copies from the dept of es stating my loans are forgiven, I need help with this problem. Thank you very much

Company response to consumer: Closed with explanation
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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Validation of Debt Request - CREDIT COLL/ALLSTATE INDEMNITY COMPANY XXXX XXXX * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This case is a follow up to an existing case - XXXX. Synchrony ruled in my favor on the first fraud investigation. I explicitly stated over the phone I would never use this card ever again and that they need to make note on my account in case anyone uses my account. Unfortunately, Synchrony did NOT place any kind of freeze on my account and another fraudulent charge was made on my account. XX/XX/year>2026 $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Somehow, someone was able to steal my credit card number even though I have quite literally never used this card for anything. I disputed the charge and asked AGAIN for a freeze on my account. They claim to have placed a freeze on my account.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
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: Credit Corp Solutions Inc.
State: MO

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I ordered skincare products from XXXX XXXX XX/XX/XXXX purchase amount m : {$100.00}. However I reached out to merchant on XX/XX/XXXX as I was not happy with product. Seller reached back out after a few days -close to one week with * return address below * on XX/XX/XXXX25 items were shipped back via XXXX tracking : XXXX. Items was received on XX/XX/XXXX25 at XXXXXXXXam and signed by * XXXX. Seller stopped responding after I emailed over tracking info. So I had to dispute with my Bank XXXX Regions Bank. On XX/XX/XXXX26 my bank provided a temp credit to my account iao : {$100.00}. On XXXX26 my bank * Regions reversed the credit and closed claim out. My bank allowed the Seller to dispute with XXXX and remove funds from out of my account fraudulently. Seller received products back to them on XXXX25 and person signed via XXXX. So at this point they have stolen funds from out of my account. I have emailed XXXX multiple times with confirmation item has indeed been received and they are aware. I would like my funds put back into my account that belongs to me. Korres Returns. C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX # XXXX Regions Bank # 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 monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I am disputing inaccurate collection activity and credit reporting related to a XXXX XXXX home internet account that should have been closed with a {$0.00} balance. Timeline : In XX/XX/XXXX, I opened XXXX XXXX XXXX XXXX. I later received a bill for {$110.00} covering XX/XX/XXXX XX/XX/XXXX. I disputed the charges and returned the equipment as instructed. I was told the account would be closed and that no balance would be owed. Despite this, the account was not properly closed and collection activity continued. On XX/XX/XXXX at approximately XXXX XXXX, during a recorded call lasting approximately 8 minutes, a XXXX representative acknowledged that the account should not be in collections, confirmed that I should not owe any balance, and stated that my credit standing should be refreshed. The representative further stated that a case was being submitted to correct the balance and that a written confirmation letter would be mailed within approximately seven days so I could provide it to the collection agency. I never received the promised letter. No written validation or correction was provided. The account was not corrected. Instead, the account was placed and/or maintained with Sequium Asset Solutions for collection. Collection notices reflected an alleged balance of {$130.00} as of XX/XX/XXXX, and collection communications continued in XX/XX/XXXX. As of XX/XX/XXXX, the account continues to report as an active collection on my credit report with a balance of {$130.00}. This reporting continued months after XXXX acknowledged the balance should not exist and that corrective action was being taken. I previously disputed this item, including a dispute processed in XX/XX/XXXX, yet the inaccurate reporting remains. XXXX acknowledged internally that the balance should not be owed, but the account continues to be reported as a collection, causing significant and ongoing damage to my credit profile. I am requesting full correction and permanent removal of all inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: OR

Complaint narrative:
My name is XXXX XXXX I have an account with Banner XXXX in XXXX Oregon, and last Tuesday i found out my online banking info was stolen or leaked or however they do it, and somehow or another the account went into the negative and banners fraud department flagged it a fraud activity closed the account, So I call XXXX and let them know the situation because I'm on XXXX I get XXXX a month to live on that's it no extra income and they told me to let banner know they need to reject the deposit and send it back to XXXX so they can get it to my for my prescriptions pay my bills and banner bank absolutely refuses to do that they told me to my face they are taking my XXXX deposit to cover the negative so basically they are telling me they will take my XXXX until the negative is paid, I know they can't do that they are putting my life at risk because of fraud someone else did so what's my next move here I know my XXXX can not be taken to cover fraud on my account, thank you for your time

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJUST - XXXXXXXX XXXX XXXX XXXXXXXX Validation of Debt Request - NCA - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in. I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
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: Aldous & Associates, PLLC
State: SC

Complaint narrative:
Validation of Debt Request - ALDOUS - XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to dispute inaccurate credit reporting by * * Affirm Inc * * regarding the account listed below. * * Account Information * * * Creditor : AFFIRM INC * Account Number : XXXXXXXX XXXX Account Type : Unsecured * Date Opened : XX/XX/XXXX * Status : Paid, Closed ( as of XX/XX/XXXX ) * * Issue Being Disputed * * Affirm is reporting a * * 30-day late payment for XX/XX/XXXX * *, followed by a XXXX ( closed ) status in XX/XX/XXXX. I dispute the accuracy of this late payment designation. To the best of my knowledge, this account was handled appropriately and was closed as paid. I am not aware of any valid basis for a 30-day delinquency being reported for XX/XX/XXXX. The reporting of this late payment is inaccurate and negatively impacts my credit profile. * * Requested Resolution * * I respectfully request that the CFPB investigate this matter and require Affirm Inc to : 1. Verify the accuracy of the alleged XX/XX/XXXX late payment, and 2. Remove or correct the inaccurate late payment if it can not be fully substantiated with proper documentation. I am requesting that this account reflect an accurate and fair payment history consistent with the accounts paid and closed status. Thank you for your assistance in resolving this matter. Please let me know if any additional information or documentation is required. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation