vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am requesting a duplicate copy of my XXXX Form 1099-INT for a closed checking account. I was informed the form was mailed on XX/XX/XXXX and should arrive by XX/XX/XXXX. As of today, I have not received it. This is my third attempt to obtain this document XX/XX/XXXX I previously called on XX/XX/XXXX and XX/XX/XXXX. I have verified my mailing address and requested either a duplicate mailed copy or confirmation of the exact interest amount reported to the IRS. I have been transferred multiple times without resolution. I need the exact 1099-INT interest amount reported to the IRS in order to file my tax return. I am requesting that Chime provide the reported amount immediately and issue a duplicate form electronically or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had a credit card with XXXX XXXX. I phoned to pay off the credit card on ( XX/XX/XXXX ) and close the account. I asked for the balance owed ( which was also listed online {$10000.00} ) and the amount was given. I then asked if I pay this amount that clears me of the entire account and nothing is owed moving forward. The woman on the phone assured me that I would not. I then asked to close the card after the pay off amount was applied. I yet again asked if I would be receiving any further from their company and was assured I would not as the account is closed and the credit card was paid off in full. Fast forward a month later and I get an email stating that I still owe them money ( {$140.00} ) on an account that I was assured was paid in full and closed on XX/XX/XXXX. On top of that I was charged a late fee for missed payment ( that I didn't even know I had ). This company waived the late fee of {$41.00}, but said I still owed an amount of {$100.00}. ( absurd ). I asked ( again ) if I pay this amount ( {$100.00} ) will I be hearing from your company any further? Supervisor XXXX gave a 50/50 answer of you shouldn't, but I can't guarantee that. That is 100 % bad business and shady. If you are given a XXXX amount to pay off a credit card and close the account that is exactly what that means. A XXXX balance, account closed, the relationship is over. Apparently XXXX XXXX does not follow that. I asked to be sent an e-mail of the payment made over the phone ( {$100.00} ) and XXXX let me know I would have to phone the next day to make that request. XXXX also let me know that any further charges or balances owed would be waived. Further charges? Balance being owed? The account was paid in full, case closed, they should not be sending me nor charging me a thing. So note to everyone, just because your balance says XXXX with XXXX XXXX that means nothing. 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 monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX Wells Fargo Bank authorized XXXX paid to XXXX XXXX. This amount shows it was debited from debit card ending in XXXX indicated on bank attachment included in this complaint. I spoke with a WF online banker who informed me that this charge was made by a 3rd party. The Debit card XXXX was supposedly cancelled on XX/XX/XXXX by WF bank. XX/XX/XXXX- WF Provisional credit applied XXXX and XXXX XX/XX/XXXX - WF Provisional Credit for XXXX and XXXX was reversed back to my account. I have spoken to several WF claims representatives and explained to them that this charge was unauthorized. They told me that since I am a frequent flier with XXXX XXXX and my bank history shows several transactions with XXXX XXXX they are refusing to remove the charges from my Business account. I spoke to XXXX XXXX customer service and was told to check my e mails for any flight confirmations from them on XX/XX/XXXX. There are no flight confirmations in my e mail for XX/XX/XXXX. All XXXX e mails are included in this complaint. Although there is evidence showing that this charge is unauthorized Wells Fargo Bank is refusing to reverse the charges back to my Business Checking 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 monetary relief
Consumer complaint received 2026-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid {$310.00} to an electrician for electrical work at my property. The work was not completed properly and required corrective repairs. After the service was performed, I discovered issues that required me to hire a second licensed electrician to fix and complete the job. On XX/XX/XXXX, I hired a second electrician and paid {$250.00} to correct the incomplete work. I have invoices and supporting documentation for both services. I contacted the original electrician to address the issue, but the matter was not resolved. As a result, I filed a dispute with Capital One on XX/XX/XXXX and submitted supporting documentation, including invoices and evidence showing that corrective repairs were required due to defective or incomplete work. Capital One denied my dispute on XX/XX/XXXX. I subsequently contacted them by phone to request a detailed explanation of the denial and clarification regarding the evidence used in their decision. The representative was unable to provide a clear explanation or meaningful information about how my documentation was reviewed. I believe Capital One did not properly review the documentation demonstrating that the original service was defective and required corrective repairs. I am requesting a reconsideration of this dispute and a full reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an American Express XXXX XXXX XXXX Credit Card ( account ending XXXX ) in early XX/XX/XXXX with a XXXX 0 % introductory XXXX on purchases. In XX/XX/XXXX, my XXXX autopay payment of approximately {$42.00} was returned by my bank. This single incident triggered forfeiture of my entire promotional rate, and a penalty APR of 29.99 % was applied to my full balance. I have made every minimum payment on time since then with no further issues. From XX/XX/XXXX through XX/XX/XXXX, I was charged approximately {$2700.00} in interest that would have been {$0.00} under my promotional rate. On XX/XX/XXXX, I called American Express and spoke with agent XXXX ( employee code XXXX ) and his supervisor. They reinstated my 0 % promotional XXXX through XX/XX/XXXX. However, they stated that they were unable to reverse any of the interest charges already assessed, and that the system would not allow them to issue a credit or goodwill adjustment. XXXX filed an incident report ( case XXXX ) to be reviewed in XXXX to XXXX business days with a response to XXXX. I appreciate that American Express reinstated the promotional rate. However, I am still requesting a full refund or credit of the approximately {$2700.00} in interest charges that were assessed between XX/XX/XXXX and XX/XX/XXXX as a result of the penalty status. These charges would not have occurred under the promotional terms I was offered, and the penalty was triggered by a single returned autopay of {$42.00} in month XXXX of the account. I have been an American Express customer for XXXX years and hold XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX cards with no other payment issues across any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. XXXX XXXX XXXX IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a minor dispute over parking outside of the bank ; and the general manager threated to close my account as a result of it. He essentially called me a liar and would not actually explain any reason he was going to close my account besides a minor dispute outside of the physical building. He did not even hear or properly witness the interaction as he was inside across the building. He was using his position to threaten and pressure me for no reason ; claiming he can close my entire bank account. This is the Chase Bank branch on XXXX XXXX XXXX, XXXX XXXX FL. The branch manager was working on Wednesday XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brian A. Blitz, P.A.
State: MD

Complaint narrative:
On and about XXXX XXXX I received a phone call from Brian A. Blitz P.A. ( Professional Associate ) not a Bar license Attorney Consumer Collection Agent number XXXX, obtained my personal and private information from XXXX XXXX XXXX manager XXXX XXXX, together did conspire to use Deceptive practices, by having Brian A Blitz a Collection Agent number XXXX and act as Attorney of behalf of Apartment complex, violating ( Title VI of the Consumer Credit Act ) Fraudulent misrepresentation, ( intentional deception ) and negligent misrepresentation ( careless false statements ). On same said date Property Manager XXXX XXXX also violate Fair consumer Protection Act by transferring Personal Consumer information with third party Debt Collector being Brian A Blitz P.A. ( Professional Associate ) violating Maryland Consumer Protection Act ( FTC ) Act ( 15 U.S.C article 45 ) State Protection Acts, Maryland Commercial Law Code Section 13-301, also related article 1006.18 or 12 CFR 1006.18. Property Manager of XXXX XXXX XXXX did violate Consumer Privacy Act of 1974 ( 5 U.S.C. article 552a )

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 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX and Jefferson Capital Systems regarding an inaccurate debt that has been placed on my credit report. Jefferson Capital Systems is currently reporting a collection account allegedly owed to XXXX XXXX. However, I dispute this debt entirely. According to my XXXX account statements and records, I have owed XXXX nothing, and I have not had an active account with XXXX since XXXX. I have documentation confirming this. Despite this, in XXXX, Jefferson Capital Systems reported a debt on my credit report for a XXXX account that should not exist. This has negatively impacted my credit and caused significant stress. My concerns are as follows : XXXX XXXX appears to have improperly sold or assigned an account that was not owed. Jefferson Capital Systems is reporting a debt without proper validation or accurate account history. The reporting of this account is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). I have proof that I did not owe XXXX any balance when my account ended in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America 's bill pay system failed to execute a scheduled autopay on XX/XX/XXXX, despite the enrollment being active XX/XX/XXXX. The bank admitted the system error by waiving the {$29.00} late fee but refused the {$49.00} in interest caused by the same error. This is an unfair practice under the FCBA, as no notice was given that the first payment would not process automatically by email or text message.

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Company : Chase Product : Credit card Issue : Rewards/ benefits not honored Complaint : I am a Chase Sapphire Reserve cardholder submitting this complaint regarding Chases failure to honor the {$150.00} semi-annual dining credit after providing written confirmation that the benefit applied. On XX/XX/XXXX, I used my Chase Sapphire Reserve card at XXXX XXXX. After the dining credit did not post, I called and inquired about the credit. Chase sent me a letter dated XX/XX/XXXX, which stated : We confirm that XXXX XXXX restaurant charge made on XX/XX/XXXX is a participating restaurant under the XXXX XXXX XXXX XXXX. As the charge was recently made please allow XXXX or XXXX billing statements for the credit to post on your account. I relied on this written confirmation. However, the credit was never applied. After additional follow-ups, Chase sent another letter dated XX/XX/XXXX, stating : We reviewed the transaction ( XXXX ) from XXXX XXXX and found that the restaurant is not listed as a participating merchant for the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Hence, we are unable to honor the {$150.00} statement credit. These XXXX letters directly contradict each other for the same transaction. The XX/XX/XXXX determination appears to rely on a different eligibility list, despite the transaction occurring in XXXX, when Chase had already confirmed eligibility in writing under the XXXX Dining XXXX. Resolution requested : Chase should honor its XX/XX/XXXX written confirmation and apply the {$150.00} XXXX XXXX dining credit for the XX/XX/XXXX transaction. Attachments : XX/XX/XXXX Chase letter ( confirming eligibility ) XX/XX/XXXX Chase letter ( denial ) XX/XX/XXXX receipt/statement Please note that Chase replaced my card on XX/XX/XXXX due to a fraudulent transaction incurred in my account. Hence, the difference of last XXXX of my card in the XXXX Chase letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
PHH Mortgage Services is refusing to accept my contractual mortgage payment while simultaneously stating that foreclosure was resumed. I have never received written notice of foreclosure or a sheriffs sale notice. My Notice of Error dated XX/XX/year> remains pending within the statutory response window. Refusing payment during an active dispute while advancing foreclosure constitutes potential dual tracking and improper servicing conduct. PHH has failed to provide written confirmation of foreclosure status, failed to provide required notices, and refused payment without lawful explanation. This conduct appears retaliatory and exposes the borrower to wrongful foreclosure harm. Immediate regulatory review is requested.

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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a written request for debt validation and formal dispute to RTR Financial Services pursuant to FDCPA 1692g, regarding an alleged XXXX toll account that included a {$230.00} collection fee. I requested : Proof that XXXX XXXX XXXX has legal authority to collect on behalf of XXXX A complete itemization of the balance, including original tolls, administrative fees, and collection fees Documentation authorizing the {$230.00} collection fee Copies of any prior notices I do not have copies of the original XXXX toll statements or any statements from XXXX. Despite this, XXXX has failed to provide any documentation or validation and continues collection activity and reporting without verification of the debt or proof that the collection fees are lawful. Failure to validate a disputed debt while continuing collection efforts constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA 1692g ) and the Fair Credit Reporting Act ( FCRA 1681 ). I am requesting : Immediate validation of the debt, including all documentation requested Immediate removal of the {$230.00} collection fee and a corrected account balance reflecting only any legitimate toll charges If validation can not be provided, removal of the entire account from my credit report This complaint is submitted to both RTR Financial Services ( collector ) and Florida XXXX XXXX XXXX ( XXXX ) ( original creditor ) so that both entities are aware and can respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief