vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have held a Chase XXXX checking account in good standing for nearly XXXX years. I use Chase XXXX to accept credit card payments on invoices. On XX/XX/year>, a client paid an invoice via credit card through Chase XXXX in the amount of {$3600.00} for consulting services rendered. As of today, XX/XX/year>, those funds have not been deposited to my account. Over the past XXXX weeks I contacted Chase customer support numerous times seeking an update. I was told repeatedly only that the matter was under " extended research '' with no timeline or explanation provided. On XX/XX/year>, I was informed for the first time that my XXXX account is being closed and that my funds will be held for XXXX days. I was given no prior notice of this outcome, no explanation of the reason, and no opportunity to provide documentation before this determination was made. When I asked for clarification, I was told the review process is " proprietary '' and that " nothing anyone can do '' would change the timeline. I submitted a formal written appeal to Chase 's appeals department on XX/XX/year> with full documentation of the transaction, my XXXX, and my client relationship. I am a sole business owner operating invoice to invoice. This hold is causing severe financial hardship. I am at risk of eviction and account delinquency as a direct result of these funds being withheld with no transparency, no timeline, and no opportunity to resolve the matter. I am requesting that XXXX be required to expedite their review, communicate what documentation is needed to resolve this hold, and release my funds without further unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This account may contain inconsistencies or incomplete reporting across the credit bureaus iam requesting reivesigation regarding the reporting details and the method of verification used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Company : Total Visa Issue : Credit card fraud / billing dispute / improper investigation Complaint : I am submitting this complaint regarding multiple charges on my Total Visa XXXX XXXX account that I have repeatedly reported as unauthorized. This balance as of XX/XX/XXXX is {$690.00}. I initially reported these charges as fraud, and on or about XX/XX/year>, the company acknowledged the issue by closing my account. In their written correspondence, they stated that only any undisputed balance would be transferred to a new account after review. However, instead of resolving the disputed charges, the company transferred the full balanceincluding all disputed transactionsto a new account without properly completing the fraud investigation. Since that time, I have submitted multiple fraud claims, all of which have been denied. These denials contain inconsistent and contradictory explanations, including : * That the transactions were online/electronic with an address verification ( AVS ) match * That the transactions were card-present * That the transactions occurred within my local area These explanations conflict with each other and no supporting documentation has been provided to substantiate any of these claims. Additionally, I have recorded phone conversations with company representatives confirming that the card associated with these charges was never activated. This directly contradicts the companys later claim that the card was physically present and used in transactions. Despite repeated requests, the company has failed to provide : * Merchant documentation or transaction verification * Proof that I authorized or benefited from these charges * Any explanation reconciling how a card that was never activated could have been used in card-present transactions The company has continued to hold me responsible for these charges without sufficient proof and has failed to conduct a reasonable and consistent investigation. I am requesting : XXXX. A full and proper investigation into these disputed charges XXXX. Documentation supporting the claim that I authorized these transactions ( including transaction type, merchant verification, and any supporting records ) XXXX. Removal of any charges that can not be substantiated as authorized by me XXXX. Correction of any account balances and any related credit reporting I believe the company has failed to follow proper procedures and has provided inconsistent and unsupported conclusions while holding me liable for charges I did not authorize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Portal Support Team, I am writing to formally dispute several unauthorized charges on my account. My mother 's card was recently lost, and it has since been used to make transactions that were not authorized by either of us. Please let me know what specific information or documentation you require to proceed with this dispute and secure the account. XX/XX/XXXX {$100.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$42.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$1100.00} I am writing to report a significant number of unauthorized charges on our account. We did not authorize these transactions, and I am concerned that they were approved despite occurring within a short period and in locations where neither I nor my mother have ever been. Please investigate these transactions and provide guidance on the next steps to secure our account and dispute these charges. Best regards, XXXX 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 2026-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WI

Complaint narrative:
Sent debt validation letter on XX/XX/year>. Received XX/XX/year>. No documentation was sent back. In the letter, it says if they are unable to validate, they must cease all collection activity. I have received several calls. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am disputing Exeter Finance 's continued reporting of a paid account as an active charge-off. ACCOUNT : Exeter Finance ( * XXXX ) AMOUNT : {$21000.00} ( Charge Off ) STATUS : Charge Off PAID ( Balance : {$0.00} ) DATE OF FIRST DELINQUENCY : XX/XX/XXXX LAST PAYMENT : XX/XX/XXXX This account is inaccurate for the following reasons : XXXX. PAID ACCOUNT REPORTED AS ACTIVE CHARGE-OFF. This account was paid in full on XX/XX/XXXX. The balance is {$0.00}. Exeter Finance continues to report this as a " Charge Off '' to the credit bureaus. Under FCRA 623 ( a ) ( 5 ), a furnisher must report information that is accurate. A paid account with a {$0.00} balance is not a " charge off. '' 2. PROLONGED INACCURACY. This account has been paid since XX/XX/XXXX nearly XXXX year. During that entire period, Exeter Finance has continued to report a status that contradicts the actual account state. This is not a recent reporting error ; it is a sustained failure to correct inaccurate information. 3. FCRA 623 ( a ) ( 1 ) REQUIREMENT. Exeter Finance must report accurate information to the credit bureaus and must have a reasonable basis for believing the information is accurate before reporting it. Reporting a settled, XXXX XXXX account as an active charge-off violates this requirement. 4. DELETION REQUEST. Given that Exeter Finance has been reporting this account inaccurately for nearly XXXX year without correction, I am requesting that the entire tradeline be deleted from all three credit bureaus ( XXXX XXXX XXXX XXXX ). If the account can not be reported accurately, it should not be reported at all. This inaccurate reporting is affecting my ability to secure housing for my family. I request that Exeter Finance : 1. Delete the tradeline from all three credit bureaus entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened a new Huntington Platinum Perks Checking account on XX/XX/XXXX, with the {$600.00} cash bonus offer attached to my new account. I fully satisfied every requirement listed in the official terms : Opened a new Huntington Platinum Perks Checking account within the promotional window ( XX/XX/XXXX XX/XX/XXXX ). Deposited cumulative new money of at least {$25000.00} into the account within the first 90 days. Maintained the account in open status for the required 90 days. Following the 104 day window outlined by the terms, on XX/XX/XXXX I contacted Huntington customer service to inquire about the bonus at XXXX. The representative informed me that even though I completed the requirements, I was not eligible, stating : you were not a new, new customer, you had 2 checking accounts in the past. When I explained that the official Bonus Addendum only disqualifies customers who closed a checking account within the last twelve ( 12 ) months, and that my previous checking account was closed on XX/XX/XXXX ( over 13 months earlier ), the representative was unable to provide any further explanation or cite any specific provision in the terms that supported her decision. She did not sound confident in her reasoning and offered no additional details. The Eligibility section of the Bonus Addendum clearly states : The bonus offers above are only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship ( including fiduciary ) to any other Huntington personal checking account, or those who closed a checking account within the last twelve ( 12 ) months are not eligible. My last Huntington personal checking account was closed more than 13 months before opening this new account, placing me well outside the 12-month window. The terms do not prohibit customers who had accounts more than one year ago. I have attached screenshots of the full Bonus Addendum, my account opening records, deposit history showing the required new money, and documentation of the previous account closure on XX/XX/XXXX. Thank you for your time and assistance with this matter. I truly value my relationship with Huntington and appreciate your help in ensuring I receive the promotional bonus as outlined in the terms. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
Someone transferred funds from my checking account to my Cash App account then multiple payments where made on my Cash App to over seas merchants totaling over {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Unauthorized / Excessive Credit Inquiries and Misrepresentation of Credit Pulls I am filing this complaint regarding multiple credit inquiries that occurred during my interaction with Lennar Mortgage in connection with a potential home purchase inquiry. During the process, I was specifically advised that my information would be used for soft credit inquiries or review purposes only. However, after reviewing my credit reports, I discovered multiple hard inquiries were placed on my credit profile instead. At no point was it clearly explained to me that numerous hard inquiries would be conducted, nor was I properly informed of the potential impact these inquiries could have on my credit profile and mortgage shopping ability. Had I been accurately informed, I would have made a different decision regarding authorization. As a result, my credit profile was negatively impacted by excessive mortgage-related inquiries that I believe were either improperly disclosed or beyond what was reasonably necessary for the transaction. I am requesting : A full investigation into the credit inquiries associated with my application Documentation showing when and how authorization was obtained for each inquiry Review and removal of any unauthorized, excessive, duplicate, or improperly disclosed hard inquiries Confirmation of which entities accessed my credit report and why multiple pulls were necessary I also request that Lennar Mortgage review the manner in which information was presented to consumers regarding soft versus hard inquiries to ensure future applicants are properly informed before consent is obtained. I attempted to proceed through the homebuying process in good faith and expected transparency throughout the lending process. Unfortunately, the handling of my credit information has caused unnecessary stress and potential damage to my credit standing. Sincerely, XXXX 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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My checking account was put on restriction on XX/XX/year>. I have had fraudulent issues with the account, so the funds are restricted now, and this fraud action has been going on for several weeks. I can't allow for my funds in my checking account to restricted for XXXX days, then have a Corporate check mailed out to me. I have been an outstanding member for XXXX years, and I need my funds to pay monthly bills. My military issued funds was deposited into the checking account, and I can't wait XXXX days to pay bills, so I'm asking to be allowed to withdraw the {$6000.00} in my checking account to pay my bills.

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hey, I had a guy that I wanted to buy clothes from, so I sent him {$30.00} and he never brought my clothes. It was just one tank top so I asked him for my {$30.00} back and he sent it to me and I dont know what type of card he used, but after the {$30.00} was sent my Cash app became deactivated. I would never do anything fraud like on my Cash app because I need it for my sole existence of legal business. I am so sorry this has happened and I hope I can earn the trust back of the foundation of Cash App so I can use the card again. I did not know, honest to XXXX, that one of the transactions would be on some fraud type of business. I submitted an appeal on XX/XX/XXXX, XXXXand I was informed today, XX/XX/year>, that it has been closed permanently. I was told that I can make a complaint here and possibly have the decision reversed due to my innocence and I dont doing business with someone I dont know. I promise to be more careful in my transactions. I do not want to have to use another service because of the closure with Cash App that has my history and time already logged. Thank you in advance for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: OH

Complaint narrative:
I did a balance transfer in XXXX with Bank of America I've used them multiple times over the last XXXX plus years for balance transfers never had an issue. I received a letter in the mail a few days ago that said That my account had gone to collections Because I still owed XXXX or something like that. I called them right away and told them that I hadn't received any emails that I had a balance any text messages or mail saying that I still owed but then received something XXXX months later. They said there is nothing they can do to help me. I paid the balance then got a notification that my credit score went down XXXX points. I was only a few points away from a perfect credit score And now this. I really need help getting this resolved because I had worked really hard in my life to make sure that I am good on my debts this is just a slap in the face by a company that I thought had my 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
Please note I am a less than a month old customer and this is a very negative experience for any customer to have, especially a new one. If I do not receive a favorable solution, I will consider my account closed. The complaint below was also submitted to BBB and they were informed by XXXX that BBB should not expect a response. << I had set up an online transfer on my account at Huntington Bank yesterday from an external bank that had already been verified weeks ago and was an existing external bank in my profile. Today I received XXXX emails from a Do Not Reply email address that the external bank is suspended and the transfer from it has been stopped, no reason given. Also, my online banking access has been revoked. This, I found out by trying to log in. There was no communication from XXXX. I called the number ( XXXX ) XXXX provided, where after a XXXX min hold, a rep called XXXX came on the line and she was clueless. She put me on multiple holds for another XXXX mins. I asked for a callback from a supervisor. She said 'Not Possible ', so I disconnected. I then reached out on XXXX where they asked me to call back the same number even after mentioning my complaint to them, or visit a branch. If you are doing business in XXXX, you should use XXXX century technology. Today, I called XXXX again and after getting through the bot with great difficulty, to a human in online banking, I was again asked to go to a branch.

Company response to consumer: Closed with non-monetary relief