vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 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: TX

Complaint narrative:
On XX/XX/year> I attempted to make a reservation for a restaurant called XXXX through their reservation website XXXX and was charged {$320.00}. The website did not allow the reservation to go through, stating that the seats were no longer available. I was charged but assumed it would be reversed. I did not receive email or text confirmation which I have received in the past for this restaurant through XXXX. I attempted to resolve the issue with XXXX since it was clearly a technical glitch on their end but they would not refund my money. Then I filed a dispute with Chase and provided the details of my interaction with XXXX. XXXX then lied to Chase and said that I made the reservation and attempted to cancel outside of the cancelation policy. They provided no proof of my attempted cancelation nor of the email or text confirmation they claim should have been sent. Chase sided with XXXX even though they did not provide any proof of the supposed communication and I provided proof that I had received communication for past reservations. I have since canceled the card I used to make this purchase so Chase is not allowing me access to the records they sent me regarding this dispute. To reiterate, the XXXX website glitched and I was explicitly told on the website that I did not have a reservation. Chase is choosing not to believe me and instead is believing XXXX lying that I tried to cancel.

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 — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America closed my newly opened sole-proprietor business checking account without written notice after accepting payroll funds. Despite providing all requested documentation, they refuse to reopen the account and have not provided written confirmation or a firm timeline for releasing my funds. The money includes payroll income and I no longer have account access.

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 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I am disputing a debt being reported by a collection agency, Creditors Bureau USA, related to an apartment I rented. 

I vacated the apartment on XX/XX/XXXX, after being instructed by property management to leave. I did not live there at any time in XXXX and relocated out of state. 

The collection agency claims I lived in the unit through XX/XX/XXXX and is attempting to collect approximately {$8000.00}, which is incorrect. 

I first received notice of this alleged debt in XXXX. Before that, I did not receive any billing statements or notice of these charges. 

At move-out, the only fee I am aware of is for wall damages. I do not agree with any additional charges or damages being claimed. The amount appears inflated and unsupported. 

I have disputed this account with the credit bureaus for incorrect dates and amounts. The collection agency has not provided documentation, such as proof of occupancy after XX/XX/XXXX, an itemized statement of charges, or evidence of damages. 

I am requesting that the CFPB assist in requiring the collection agency to either provide proper validation of the debt with supporting documentation or remove the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo is not letting me update my phone number on file after the old one XXXX was stolen, it is also refusing to send me the log in code to the email address on file while pretending to do so, much like XXXX was doing to me as well, there is nobody doing anything to help me stop this trafficking and i am sick of it, there needs to be someone available to actually stop this abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I discovered a decrease in my credit score. I contact the collection company and it reported that I owed {$880.00} to XXXX. I notified the company that I never contracted the services and have never had a XXXX  account, much less one in Kentucky. So I disputed the charge. I then did the same with Experian, the credit rating service. 
Lastly, I contacted XXXX and they had no record of an account in my name or associated with my phone number. 
I filed a complaint with the FTC. 
Subsequently, I received a call from XXXX XXXX of XXXX. I explained what had happened, he said the only thing he could do was to refer me to the Fraud Department. 
The following day, I emailed XXXX XXXX requesting the particulars on my alleged account, such as a copy of the bills, the payment authorization, the equipment installed, location of services and the email or telephone number associated with the account. 
He said since I claimed it was not my account he could not release that information. 
I explained to him that he would have to drop the claim against me or provide me the requested documents since it was XXXX that alleged I had not paid them. 
XXXX XXXX can not have it both ways, either they provide the information or drop the claim. 
The onus of prove is on me to provide their Fraud Department with the pertinent evidence, when they can not provide me anything regarding 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 explanation
Consumer complaint received 2026-01-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase closed my account for no good reasonand they forfeited my rewards right away with no chanceto redeemthe value of the rewardsis {$1400.00} i called asking why i cantredeemand they said they have the abilityto do that but as we know it'sagainst the law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My mother passed away. I'm the trustee for her trust. I tried to close her account as required by the trust paperwork. I followed all of Ally 's instructions and they concur that they have had all paperwork needed since XXXX XXXX XXXX. But they still won't send the funds and don't know when they will.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX an unauthorized charge of {$2600.00} was posted to my Capital One debit card. I did not authorize this transaction, nor did I share my card, PIN, CVV, or credentials with anyone. 

I submitted a dispute to Capital One immediately, providing all necessary information. Capital One denied my dispute, stating only that my claim was rejected due to my assertion about debit card possession and transaction information.

Capital One did not provide any evidence that I authorized the charge, nor any documentation from the merchant showing authorization. I requested a formal reinvestigation and copies of all documentation relied upon to deny my claim, including transaction method ( chip, swipe, keyed-in, online ) and proof of authorization, but they did not comply.

I am requesting CFPB assistance because Capital One denied my dispute solely based on the fact that my card was in my possession, which is not a lawful reason to deny an unauthorized transaction claim under the Fair Credit Billing Act and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Im reporting Capital one N.A. for, Charging off {$600.00} of a credit card debt and not sending me a 1099 C form which is taxable income for a debtor. Discharge of indebtedness means a debt is forgiven, canceled, or released, making the borrower no longer legally obligated to pay it, 26 U.S code sections 6050 P. It is a tool designed to help the IRS track lenders debt forgiveness, which constitutes taxable income to the borrower. FDIC v. XXXX. They sold the debt, but are refusing to issue me the 1099C form

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened a Chase personal checking account on XXXX XXXX, XXXX and deposited approximately XXXX XXXX that night. After opening the account, XXXX transfers to the account were blocked, so I called Chase multiple times to verify my identity and confirm the activity was mine. 

On XX/XX/XXXX ( the next morning ), I received an additional ~ XXXX  via direct deposit. That same morning, I attempted to pay my car payment from this account, but the payment never completed and remains pending. 

On the evening of XX/XX/XXXX, my account showed an available balance of approximately XXXX. The next morning, I logged in and the balance was effectively wiped out, with the last transaction showing DDA CHECK for the full amount in the account. This appeared to remove all funds. 

I called Chase multiple times. Representatives told me everything was fine, and on XX/XX/XXXX I was told a request was submitted to reopen the account and restore the funds after verifying my online activity. However, when I went to a branch on the same day I was told the account is closed. The branch manager refused to contact the back office or provide actionable next steps and would not assist with releasing the funds or transferring my remaining balance to another account only sending a check at a later date to an address I am not currently at. 

XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Chase branch. Continuously refused to reach out to back office, refused to give me information, and refused to write a statement detailing what had occurred with the account. 

I am currently out of state and leaving in three days, and my car payment is tied to this closed account. I need my remaining balance released immediately so I can make my payment and complete pickup of a new car next week. Chase has not provided clear written confirmation of ( 1 ) why the account was closed, ( 2 ) what identity verification steps/documents are required to reopen it, ( 3 ) what the DDA CHECK item is ( including whether a check has been issued ), or ( 4 ) the exact disbursement method and date for returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TX

Complaint narrative:
I disputed a charge for services not rendered. The merchant never repaired my phone and never refunded me. 
Chase credited my account in XXXX. In XXXX, the merchant reversed the claim without my knowledge. 
I only recently discovered the reversal and contacted Chase immediately.

Chase declined to reopen the claim, citing Visa timing rules, even though the service was never provided and I did not receive notice of the reversal. 
I am requesting a fair review and permanent credit of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GREENSKY OPERATIONS, LLC
State: UT

Complaint narrative:
I have a loan with GreenSky ( Lender : XXXX Bank ). My current balance is {$15000.00} at 24.99 % interest. The 'hardship plan ' GreenSky provided lowered my payment to {$180.00}, but they refused to lower the interest rate. This payment is {$130.00} less than the monthly interest alone, meaning my debt grows every month. I am in a state of 'Negative Amortization. ' I have contacted the company multiple times requesting an interest rate reduction to allow the loan to be paid off, but they have refused. I am requesting a fixed-rate plan with an APR below 10 % so that my payments actually reduce the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
Originating on XX/XX/XXXX PennyMac Loan Services took several days to process an ACH payment i contacted them about and informed them about so that it wouldnt be late their complacency on this subject caused my payment to come back insufficient 3 times in the month of XXXX as I Attempted to pay them over and over when requesting assistance they said there is nothing they can do and I now have a derogatory mark in XXXX on my report preventing me from looking at getting a new home when I contacted them today XX/XX/XXXX at the request of my VA Loan XXXX to have this mark removed they reiterated they could see how I Attempted to remediation the situation but refused to help in any way and once again said they couldn't do anything The Loan is Paid in full now by the way

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I received a notification from my XXXX XXXX  app stating I opened a new card for a XXXX credit card from XXXX. It was opened on XX/XX/year> with a balance of {$1000.00}. I am unsure if it has been used yet. 
I called XXXX about it and they looked up to see if there was a card opened with my SSN. They claimed that there was no card under that number. 
I lost my wallet a few years ago with my social security card in it and Im nervous they may be using it now and I just want to be cautious and make sure no one is opening credit cards under my SSN

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 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2026-01-09 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: Chime Financial Inc
State: MA

Complaint narrative:
Chime checking account XXXX was charged to my account fraudulently via plane tickets via XXXX after I purchased tickets via XXXX XXXX and southwest to visit my XXXX mother in Florida. 
I made claims but all but two claims were denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XX/XX/year> i received a summons from Barclays bank Delaware to present to the civil court telling me that I hold them a debt of {$230000.00} .Since that day I keep going to the court.I gave them the police report and Itold them it wasnt me.

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: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/year>, Chime Bank closed my account for no reason and then when I contacted them they gave no reason why they closed my account I had money in my savings account still {$670.00} dollars still which they said they can not refund my hard earned money I had in my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation

Complaint narrative:
They sold my home and removed from my XXXX XXXX when I was making my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint as the credit reporting agency has reported an inquiry for which no documentation or permissible purpose exist violating FCRA 604. When I told the CRA about this issue they shifted the legal burden on me, the consumer which violates the law. They instructed me to contact the creditor directly which is not required by law. There is not open account on my file attached to this. I also filed a report with the FTC found below for noncompliance. 

I spoke with a represantive XXXX from Transunion on XX/XX/XXXX XXXX XXXX was added XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
The companys response does not constitute proper validation or a reasonable reinvestigation under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. The documents submitted consist only of a generic service agreement and a single billing statement that do not substantiate the accuracy of the alleged balance. No itemized breakdown or historical billing statements were provided to explain how the prior balance of {$650.00} was calculated. The alleged unreturned equipment charges totaling {$440.00} are not supported by any identification of specific equipment models serial numbers delivery confirmation or proof that the equipment was not returned. The company also failed to provide documentation establishing its legal authority to collect this debt or any chain of assignment from the original creditor. Additionally multiple inconsistent addresses appear across the documents raising material concerns regarding identity matching and account attribution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am submitting this response as part of a new CFPB case, as the prior case # XXXX was closed, and Kikoff Lending , LLC has XXXX to report inaccurate information without providing legally sufficient proof of account ownership. 

I formally dispute Kikoffs response and request further CFPB review. Kikoff claims its investigation confirmed account ownership based solely on information provided at signup, including name, date of birth, Social Security number, and email address. This is not valid proof of authorization or ownership. Self-reported identifying information is routinely used in identity theft and does not establish contractual liability. 

I have filed an FTC Identity Theft Report and identity theft affidavit because I do not own this account. Under FCRA XXXX, once an identity theft report is submitted, a furnisher must block fraudulent information unless it can demonstrate that the account was legitimately opened by the consumer. Kikoff has failed to meet this burden. 

Kikoff has not produced : A signed application or contract An electronic or wet signature IP address logs, device fingerprints, or authentication records Any third-party identity verification tying me to the opening of this account Instead, Kikoff relies on internal records and generic statements, which do not satisfy the reasonable investigation requirements of FCRA XXXX ( b ). 

The attached payment history reflects small automated payments followed by escalating minimum payments and eventual charge-off, a pattern consistent with fraudulent account activity and not proof of consumer authorization or intent. 

Kikoff also references its standard Credit Account Agreement but has failed to provide any evidence that I personally reviewed, agreed to, or signed this agreement. A boilerplate agreement without proof of execution does not establish liability. 

Kikoffs dismissal of my FTC Identity Theft Report by stating that it is not sufficient proof of fraud directly contradicts federal law and CFPB guidance. An FTC Identity Theft Report is legally sufficient to trigger blocking unless the furnisher can prove ownership, which Kikoff has not done. 

I respectfully request that the CFPB require Kikoff Lending , LLC to either : Provide verifiable proof of account ownership ( signed contract, authenticated consent, or identity verification evidence ), or Delete the Kikoff tradeline from all consumer reporting agencies immediately. 

Absent such proof, continued reporting constitutes inaccurate, unverifiable, and unlawful credit reporting. 

Thank you for your review and assistance.

Company response to consumer: Closed with explanation