vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding Chase Banks refusal to resolve a legitimate dispute for a charge of {$3000.00} from a mechanic shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite providing full documentation proving that the work charged was either not perfor I have supplied the following evidence : 1. Original invoices and receipts from the mechanic shop 2. Written estimates and work orders 3. Photographs showing the work was incomplete or faulty 4. Bank statements clearly showing the {$3000.00} charge I have attempted to resolve the issue with Chase through their standard dispute process, including contacting their customer service representatives. I requested escalation to a Senior Dispute Specialist/ Special Investigations Unit, but my case was still denied without a satisfactory explanation. This situation is particularly concerning because : The charge was clearly misrepresented by the merchant I have documented evidence proving my claim Chases refusal leaves me without a remedy despite following proper dispute procedures I am requesting that the CFPB investigate Chase Banks handling of my dispute, and that they require Chase to : 1. Review my documentation thoroughly 2. Reconsider my dispute in good faith 3. Provide a clear written explanation if they continue to deny my claim I have attached all supporting documents to this complaint, including invoices, emails, texts, and bank statements. This situation is particularly concerning because : The charge was clearly misrepresented by the merchant I have documented evidence proving my claim Chases refusal leaves me without a remedy despite following proper dispute procedures I am requesting that the CFPB investigate Chase Banks handling of my dispute, and that they require Chase to : 1. Review my documentation thoroughly 2. Reconsider my dispute in good faith 3. Provide a clear written explanation if they continue to deny my claim I have attached all supporting documents to this complaint, including invoices, emails, texts, and bank statements. Thank you for your assistance in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The Chase Debt card was used ending XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dont owe any of these collection accounts. I have current coverage with them I have reported this in the past and I have this company keeps reporting this information that is inaccurate. Please delete and remove this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My existing loan was previously with XXXX XXXX and was transferred to Rocket Mortgage. When the new mortgage statement sent to me had the wrong property tax parcel number and amount escrowed I have tried repeatedly to notify Rocket mortgage to no avail. I own the home and XXXX acres that my loan is for and as well I own XXXX acres free and clear next to the mortgaged property. Rocket mortgage is escrowing my XXXX acres parcel tax instead of the home and XXXX acre parcel tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Richmond, Inc.
State: IN

Complaint narrative:
I recently found on the weekend of XX/XX/2026 the I was summoned by Finance System , Inc. This company has never attempted to mail me a debt verification letter telling me I owe money before taking legal action by filing a lawsuit. And doing so it has increased what i have to pay. Original amount is XXXX now the new amount is XXXX. The part that bothers me is they mail debt verification letter now with the lawsuit process being started now. With this deceptive approach it is costing me more financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America reopened several of my fraud claims after confirming that my evidence was not attached or reviewed during the initial investigation. Six of my claims were permanently refunded based on the same evidence, but the remaining claims have still not been corrected or refunded. The bank has acknowledged an internal procedural error, yet the unresolved claims continue to reflect the results of an incomplete and invalid investigation. This is inconsistent treatment of identical claims and places the burden of the banks mistake on me as the customer. I have already provided all required documentation, and the bank has confirmed receipt.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
i was never late to make a payment. they just raised my credit my payment history has been 100 % mu longest standing credit history was just gone in a day that i have worked hard for over the year. it does not make sense to me because they raised the credit and than closed it. all my accounts from Synchrony bank. please help me get my accounts back

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 2026-03-30 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: MN

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 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
XXXX XXXX IS REPORTING AN ACCOUNT THAT I PREVIOUSLY FILED A COMPLAINT AGINST WITH EASTERNACCOS IN XXXX AND XXXX WITH YOUR OFFICE. EASTERNACCOS COULD NOT PROVIDE VALIDATION SO THE SOLD THE ACCOUNT TO XXXX XXXX NOT EVEN 60 DAYS LATER. EASTERNACCOS SOLD THE ACCOUNT EVEN THOUGH THEY KNOW THEY COULDN'T VALIDATE AND XXXX XXXX KNOWS THEY DON ; T HAVE THE PROPER INFORMATION TO VALIDATE THE ACCOUNT BUT THEY PUT IT ON MY CREDIT ANYWAY. THE CFPB NEEDS TO FINE BOTH XXXX XXXX AND EASTERNACCOS FOR VIOLATING MY CONSUMER DEBT RIGHTS. CFPB NEEDS TO REVIEW BOTH COMPANIES PROCEDURES AND GUIDELINES FOR DEBT BUYING, SELLING, AND REPORTING AS YOU CAN SEE THEY ARE DOING WHAT THEY WANT TO LIKE XXXX XXXX IN XXXX. THEY ARE DOING ALL THIS FOR {$290.00} FOR AN XXXX ACCOUNT I DON'T KNOW ANYTHING ABOUT. LEGAL ACTION WILL BE TAKEN NEXT. XXXX SHOULD ALSO BE INVESTIGATED SINCE EASTERNACCOS CLAIMED THEY GAVE IT BACK TO XXXX. XXXX IS NOT PROVIDING THEM WITH VALIDATION. THIS IS THE THIRD TIME I AM HAVING TO DISPUTE THIS XXXX ACCOUNT,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am submitting this complaint regarding XXXX handling of multiple unauthorized transactions on my XXXX debit card. I identified several transactions on my account that I did not authorize and promptly reported them to XXXX. Despite my report, XXXX denied my dispute, stating that the charges were considered valid because I have previously conducted transactions with the same merchant ( s ). This reasoning is fundamentally flawed and does not meet the standards required for a proper investigation into unauthorized electronic fund transfers. The fact that I have used a merchant in the past does not establish that I authorized these specific transactions. XXXX failed to conduct a reasonable investigation into whether these transactions were actually authorized by me. Instead, they relied on prior account activity, which is not a valid basis for determining authorization. At all relevant times : I did not authorize these transactions. I did not share my card, PIN, or account access with any third party. There is no legitimate basis to conclude that these transactions were authorized. XXXX has not provided any meaningful evidence demonstrating that I authorized these charges. They have also failed to clearly explain what steps were taken in their investigation or how they determined the transactions were valid. Under federal consumer protection laws governing electronic fund transfers, financial institutions are required to conduct a reasonable investigation when unauthorized transactions are reported. Simply relying on past merchant usage does not meet this obligation. XXXX handling of my dispute appears to fall short of these requirements. Their response suggests that they did not adequately investigate my claim and instead issued a blanket denial without properly evaluating the facts. I am requesting the following : A full and proper reinvestigation of all disputed transactions. A detailed written explanation of the investigative steps taken and the basis for their determination. Immediate reimbursement for all unauthorized transactions if XXXX can not demonstrate that the transactions were authorized. Confirmation that my account has been secured to prevent further unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo recently changed their requirements for waiving checking account service fees. Requiring needing XXXX daily in said checking account ( or direct deposit of XXXX a month ). This change was done with apperently no communication that I was aware of. I caught the XXXX dollar service fee in late XX/XX/year> and had those fees reversed and immedately deposited enough to meet the required balance and began the process of setting up a direct deposit to the account as the only direct deposit I have is XXXX XXXX knowing it can take awhile to take effect. There was an unexpected withdrawl from my account in early XXXX. I caught it the next day while said withdrawl was pending ( Account was still shown on my end around XXXX well over the requirement fee ) I deposited enough that next day to be over the required amount once the pending withdrawl completed which it still did not for a couple of more days. I do not know if there was a delay in the money i deposited or they were counting my total for the day it was pending ( and still showing me XXXX as my balance ) but they charged me XXXX for the service fee again and refused to overturn it because I " Used my XXXX time reversal within 12 months '' which was only used due to their inaduquet communication on their police changes in the first place. I filed a complaint last week and they denied it today ( 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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease all collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts. Specifically, the companies failed to provide a copy of the original signed agreement creating the debt, documentation showing the complete chain of title for the alleged account, a bill of sale or assignment demonstrating lawful ownership of the debt, a complete accounting of the balance claimed, and documentation establishing their legal authority to collect the debt. Instead of validating the debts, these companies appear to be continuing collection efforts and/or furnishing information to consumer reporting agencies without verifying the accuracy of the information. This conduct may constitute willful noncompliance with federal law, including but not limited to violations of the FDCPA : 15 U.S.C. 1692g for failure to validate a disputed debt, 15 U.S.C. 1692e for false or misleading representations regarding a debt, 15 U.S.C. 1692f for unfair or unconscionable collection practices, and 15 U.S.C. 1692c for improper collection conduct following a written dispute. Additionally, if these companies are furnishing information to consumer reporting agencies without proper verification, this may constitute violations of the FCRA, including 15 U.S.C. 1681s-2 for failing to provide accurate information, 15 U.S.C. 1681e ( b ) for failing to maintain reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. 1681i for failing to properly investigate disputed information. Furthermore, furnishers of credit data are required to follow the XXXX XXXX Credit Reporting Resource Guide standards when reporting accounts. Reporting inaccurate, incomplete, or unverified information may constitute regulatory violations and may expose the furnisher to civil liability. Based on the actions described above, it appears that these companies may be engaging in a pattern and practice of regulatory violations, including attempting to collect debts without proper documentation and furnishing potentially inaccurate information to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I am filing a complaint against Veros Credit regarding the handling of my repossessed vehicle after I have already paid the required balance to redeem it. My vehicle was repossessed, and I was informed that I could recover it by paying the past-due balance along with applicable fees. I made the required payment in full in order to exercise my right of redemption. However, despite my payment, I am now being told that due to company policy, my vehicle must first be transported from the repossession lot to an auction facility before I am allowed to retrieve it. I have not been given a clear timeline, exact location, or confirmed release date. I am also concerned about the possibility of additional fees being added during this delay. Under Texas law, I understand that I have the right to redeem my vehicle at any time before it is sold. I have fulfilled my financial obligation, yet I am being forced to wait without clear communication or justification for the delay in releasing my vehicle. My concerns are as follows : Unnecessary delay in releasing my vehicle after full payment Lack of clear communication regarding location and pickup timeline Potential for additional fees during the delay period Uncertainty about whether the vehicle is being moved toward sale despite redemption I am requesting the following : Immediate confirmation that my vehicle is not scheduled for sale The exact location of my vehicle A specific date when my vehicle will be available for pickup Assurance that no additional fees will be added due to this delay I would like this matter resolved as soon as possible so I can retrieve my vehicle without further delay. Sincerely, 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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: DRIVE NOW ACCEPTANCE LLC
State: IL

Complaint narrative:
I was placed on XXXX by my employer. My pay dates changed. I had not be paid as there was issues with the insurance company requesting information from the wrong doctors. It delayed everything. I paid the finance company to change my due date to help remedy the situation. I made a payment on the XXXX of XX/XX/year>. I am still waiting to get paid even with an approval and payment range date from the insurance company. The next car payment was due on the XXXX. I still had not received my XXXX payment. I called the finance company at XXXX and spoke to XXXX XXXX I explained the situation and XXXX gave me a payment extension until end of business day Friday the XXXX of XX/XX/year>. On the morning of the XXXX I went to start the car and it was XXXX. I called the finance company and spoke to a woman who told me XXXX was not in the office today and that she did not see any notes on the account about an extension. She enabled the car though. On the morning of the XXXX the car was agin XXXX. I called again and spoke to a man and he enabled it. The afternoon of the XXXX it was XXXX yet again. I called and spoke to a woman who enabled the car. The morning of the XXXX it was again XXXX and I called yet again to get it enabled. The car was then again XXXX appropriately about XXXX. I called and spoke to a man who enabled it and said end of business day was XXXX. I received no notification of disabling and feel its harassment and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Summary of Dispute : I am a public service employee with 116 out of 120 verified qualifying payments for XXXX. I am currently being held in an involuntary administrative forbearance due to the court-ordered termination of the XXXX plan ( XXXX XXXX XXXX ). I have met the 120-month employment requirement, but I am being prevented from completing my final 4 payments due to a 12-month administrative delay by the Department of Education. Chronology of Actions Taken : -XXXX XXXX, XXXX : Submitted a formal PSLF Buyback request to cover the final months of my 120-payment requirement. My buyback request case number is # XXXX. XXXX XXXX, XXXX : Filed a formal complaint via the XXXX XXXX XXXX ( XXXX # XXXX ) after 11 months of no contact. The response was a generic template stating I must " wait '' without providing a timeline. XXXX XXXX, XXXX : Initiated a Congressional Inquiry through Rep. XXXX XXXX XXXX The Department of Education informed the Representatives office on XX/XX/XXXX that my case is " pending '' but refused to provide a processing queue position or completion estimate. The Harm : I have now been waiting over 377 days for a buyback offer. Recent data from the XXXX AFT lawsuit status reports indicates that while the average backlog is being processed, my specific XX/XX/XXXX application has exceeded standard outlier windows. Because I am in an involuntary forbearance, I can not " volunteer '' a payment to finish my 120-count. I am effectively stuck in a " black hole '' where the Department will not process my buyback and will not allow me to pay. This is a violation of the promised XXXX regulatory framework and is causing significant financial planning hardship for me and my family. Desired Resolution : I request an immediate manual escalation and review of my XX/XX/XXXX Buyback application. I am only 4 months away from total discharge and have exhausted all other avenues, including Congressional intervention. I request a firm date for my Buyback Agreement to be issued.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MN

Complaint narrative:
I was XXXX of the United States from XXXX until XX/XX/XXXX. Upon my return, I attempted to open a Cash App account and was surprised to discover that my account had been closed due to a violation of their policies. I experienced a similar issue with XXXX XXXX ; however, they reinstated my access. I attempted to contact Cash App multiple times to determine the reason for the account closure. My intention was to understand whether the issue stemmed from fraudulent activity or unauthorized use of my account while I was abroad, in which case I planned to file a police report. Unfortunately, I was unable to obtain any specific information regarding what occurred.

Company response to consumer: Closed with explanation