vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase account and deposited a third party check electronically it showed when funds were going to be available which no funds were available so I called Chase spoke to a fraud specialist to verify the name and phone number that was endorse to me, they put me on hold and called XXXX XXXX and verified the check # the amount, date and reason for endorsing check to me, after verifying all that information, they told me I had to wait for the check to clear waited a couple of days checked my account and funds were available but when I tried to withdraw cash I couldn't withdraw any cash due to fraudulent transaction called Chase spoke to fraud department and they stating they were closing my account for fraud so I asked how is that possible when I spoke to a fraud specialist verified all the information regarding the check I deposited then it cleared funds were credited to my account then all of a sudden they removed the funds on my account and closed my account but never received a check for the check that cleared it's been over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by Equifax from XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/2025 ). The original creditor for this account was XXXX XXXX XXXXXXXX XXXX This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has Equifax failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, debt collectors must validate the debt upon request, but they didnt do that. They also violated 12 CFR 1006.34 ( c ) ( 4 ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, Equifax reported this account to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, Equifax violated 15 U.S.C. 1681b, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force Equifax to DELETE this unverified, unauthorized collection account from my credit report. Equifax has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a formal complaint against Block, Inc. ( Square ) for deceptive business practices, unauthorized data retention, and harassment. On XX/XX/year>, I made four separate attempts to resolve a deactivation issue for my business, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX During these calls : Representatives repeatedly lied about supervisor availability and transferred my calls to international agents ( specifically XXXX ) who could not assist. Agents used intimidation tactics, citing a 'zero tolerance policy ' they refused to explain or define. Issuing passive threats an coercive tactics. I was threatened for recording the call, despite being in North Carolina ( a one-party consent state ), while Square insisted on recording me for 'AI training ' a use of my data I have explicitly revoked at the beginning of each call. Upon refusing to be recoded i am disconnected. Square has collected my EIN and SSN but provides no contract or service, effectively bricking {$800.00} of proprietary hardware and causing a week of lost business. To date, this has cost me a minimum of {$10000.00} in lost revenue and labor. Square is engaging in data-harvesting fraud by requiring sensitive tax info while refusing to provide the equitable assets ( payment processing ) promised. They also claim my account has been deactivated and deleted but i am still able to log in and see they have my data without my cosent still attached screenshots are over 3 hours after final phone call revoking data consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TOWNE MORTGAGE COMPANY
State: MN

Complaint narrative:
I am filing a complaint against AmeriCU Mortgage regarding their refusal to properly review my lossmitigation application and their statement that they will do nothing further for me, despite new and material hardship information. I have a documented medical hardship caused by a workplace exposure on XX/XX/XXXX. Because of this exposurerelated condition, I have been unable to work since XX/XX/XXXX. My physician has confirmed my condition and ongoing treatment. During the same period, I experienced abnormally high electric bills due to what I now believe was a faulty meter or transformer issue with my utility provider. My usage dropped immediately after a meter replacement on XX/XX/XXXX. I am filing a formal complaint with the Minnesota XXXX XXXX XXXX regarding suspected longterm overbilling. These two hardships medical and utilityrelated directly caused my mortgage delinquency. Despite this new information, AmeriCU Mortgage informed me that they will do nothing further regarding my lossmitigation request. They have refused to reconsider my application, refused to review updated hardship documentation, and have not offered any alternative options. This appears to violate federal mortgage servicing rules, including requirements to : Consider new hardship information Provide a complete review of all available lossmitigation options Work with HUDapproved housing counselors Provide a single point of contact Provide a written explanation of denial and appeal rights I am requesting that the CFPB require AmeriCU Mortgage to : Reopen and reconsider my lossmitigation application Review all available options, including payment reduction Work with my HUD housing counselor Provide a written explanation of their decision Pause foreclosure activity during review I am seeking a sustainable payment, ideally around {$2000.00} per month, which reflects my current financial situation. Desired Resolution : A full and fair lossmitigation review, including payment reduction options, and compliance with federal servicing rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a new High Yield Savings Account ( HYSA ) with American Express National Bank in response to a targeted {$400.00} promotional bonus offer presented through my existing American Express online account. The offer terms required me to deposit at least {$25000.00} within 30 days of account opening and maintain that balance for a 60-day Holding Period beginning on the day the Threshold Amount was successfully met. I deposited {$25000.00} on XX/XX/XXXX. The funds posted immediately and began earning interest that same day, which was confirmed by American Express representatives during a live chat on XX/XX/XXXX. Per the offer terms, the 60-day Holding Period began XX/XX/XXXX and ended on or around XX/XX/XXXX. I maintained the full {$25000.00} balance until XX/XX/XXXX four days after the Holding Period had already concluded. American Express denied my {$400.00} bonus by applying an undisclosed 5-business-day clearing period to shift my Holding Period start date to XX/XX/XXXX and end date to XX/XX/XXXX. This clearing period is not disclosed in the offer terms I agreed to and was never communicated to me at the time I accepted the offer. During my live chat on XX/XX/XXXX, American Express representatives provided three mutually inconsistent explanations of the Holding Period dates. A supervisor confirmed that American Express deliberately credits interest before funds are " available '' in order to protect customers from hold periods yet applied that same hold period against me to deny my bonus. This is a selective and inconsistent application of their own policy that directly harmed me. I escalated the matter to a supervisor who denied my request and filed an internal complaint, reference number XXXX. The chat transcript was confirmed as preserved on my account record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The merchant charged me ( XXXX ) XXXXXXXX XXXX. The merchant 's own invoice shows only XXXX MXN in services. That is a {$1400.00} USD overcharge, proven by the merchant 's own records. XXXX XXXX XXXX ends : XXXX I have spent the past three months ( XXXX XXXX ) collaborating with Capital One daily to resolve this. The merchant issued a signed letter admitting the overcharge. Capital One 's dispute center agreed this was unfair. Capital One 's executive office agreed this was unfair. Neither will correct it. The merchant does not answer. Over XXXX calls, no response. Emails bounce back undeliverable. I am XXXX XXXX XXXX and living on a fixed income. A company that admits I was overcharged is still making me pay for the merchant 's billing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Complaint Reporting of Unverified Debt / Lawsuit Dismissed / FCRA Violations Complaint Statement I am submitting this formal complaint regarding inaccurate and unverified credit reporting by Midland Credit Management , Inc, Petland and Capital one., and the continued reporting of an alleged debt that was the subject of a civil lawsuit which has now been dismissed. Midland Credit Management filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, Case No. XXXX. The Plaintiff voluntarily dismissed the case pursuant to Florida Rule of Civil Procedure 1.420, without proving the debt, without presenting admissible evidence, and without obtaining judgment. Because the Plaintiff dismissed the case, the alleged debt remains unverified and unsupported. Despite this, the account continues to be reported on my credit reports. Violations of Federal Law Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation after dispute. Under 15 U.S.C. 1681i, credit bureaus must delete information that can not be verified. A debt that could not be proven in court can not be considered verified. CFPB Regulation F Debt Collection Rules Under 12 CFR 1006, a debt collector must possess sufficient documentation before pursuing collection or litigation. Midland initiated litigation but dismissed the case without proof, showing lack of sufficient documentation. Continuing to report the debt after dismissal is deceptive and unfair. FTC Act Unfair and Deceptive Practices Reporting a debt that can not be proven in court may constitute an unfair or deceptive practice under 15 U.S.C. 45. Consumers should not be harmed by credit reporting based on unsupported claims. Attachments Notice of Voluntary Dismissal Court case information Credit report showing account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: PA

Complaint narrative:
I have a mortgage with Valon Morgage Servicing, and I have XXXX taxes due end of XXXX or early XXXX for the discount rates. I have enough balance in my escrow to cover all the taxes. Initially, I wanted to close the escrow account and pay the taxes myself. They kept saying they will process my request so I can get my refund to pay the taxes on time, but they never actually do it. Realizing there's not enough time left, I asked them to pay the taxes before closing my escrow. They said yes but still didn't do anything. Now they are using the excuse of transferring my mortgage to another servicer to justify their inaction. Here 's a summary of my communications with them. - I first reached out to Valon on XX/XX/XXXX to close my escrow account. At that point, I received an email stating that it would be processed within XXXX business days. At that point, I planned to get the escrow refund and to pay the taxes myself. Almost a month has passed, but that request has not been processed yet. - On XX/XX/XXXX and XX/XX/XXXX, realizing that it would be risky to wait for your escrow refund, I submitted my tax bills so that you have time to pay them before the discount deadline. However, you are using the transfer as an excuse not to do so, although I never initiated the transfer. - I called Valon XXXX to speak with representatives. Both of them assured me that my escrow will be refunded and the taxes will be paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I'm seeking assistance with a confusing situation. Radius Global Solutions has informed me that I owe {$55000.00}, but I've already fulfilled my student loan obligations. When I reached out to my school, they were unable to recognize the creditor. I would appreciate your guidance in resolving this matter.

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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX in XXXX, XXXX XXXX I asked to use XXXX XXXX XXXX XXXX as my lender, with GM Financial as secondary. In the finance office, my paperwork was prepared for GM Financial at XXXX % APR. When I asked why I was not placed with XXXX, I was told XXXX was not an option and that I was denied due to XXXX, and that no down payment would change that. Later that week, I received a letter from XXXX showing I was actually approved with conditions for up to {$70000.00} at XXXX % APR, requiring only about {$1800.00} out of pocket before GAP. At the time, I had over {$10000.00} available in my checking account. On XX/XX/year>, I verified the approval with XXXX. On XX/XX/year>, I emailed the dealership for clarification, and on XX/XX/year>, I emailed the COO of the dealer group. I have not received any written clarification or resolution. I am requesting review of the misrepresented lender decision and the resulting GM Financial loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
nel net federal student loan reported me a deceased XXXX XXXX and i had a hard time getting a job or loan or anything they told me they will take full respoability for there mistake and sent the letter to my brother XXXX XXXX with the wrong home address. my addressd is XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX virginia XXXX my phone number is XXXX cell I am homeless and living on this friends couch because i could get a job this was reported to all backround check companies please update my information and please advise me to your ability to solve this issue for me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A letter came in XX/XX/XXXX from XXXX XXXX from TD bank saying they are closing everything by XX/XX/XXXX and that they will honor checks made before XX/XX/XXXX and electronic online amount until XX/XX/XXXX. Lot was going on and now I am reporting it as I just don't want new unsuspecting customers have their account closed suddenly and no one in the banks in person or online I checked on knows the reason or how to handle the situation as no one knows which is very frustrating! I called the number that the letter came with and all I got was a busy signal. The manager I spoke with says to check with the head office which have no address that I can find to complain. Though the letter claim they will honor the bills received before date... they did not! They did eventually refund what's in my checking account but with the inconvenience of finding another bank quickly and forced to call my rent office to not cash check and my gas bill being late and charged for late fee of not received. Though some in-person in TD was helpful with suggestions ( another branch as local was definitely no help at all especially the manager in charged )... they could not help with the account being closed and not anything they can do and in the meantime I was also getting mix email information about changes and it doesn't apply to me as it's " marketing '' is what in-person I saw said it was... which is not fair as they sent that which is misleading and confusion of closing account and raising of minimum balance, and more marketing materials being sent of opening an account which is wrong considering they CLOSED my account. Sudden closure and no need for reason is unacceptable and inconvenience. I did not do anything wrong! I was a long term customer. Why would I want to reopen with them again? Since no one I come across in TD know anything. I feel sorry for the workers of TD as they can not do their job. Information keeps coming now via emails and mail and falsely at that!! Do not believe them! Even television advertisement are false!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: MD

Complaint narrative:
I was approved for a Capital One secured credit card on XX/XX/year>. I paid a deposit of {$200.00} upfront before the account was opened. A card was mailed to me on XX/XX/year>. I anticipated receiving the card in the mail and just happened to check on the mobile app to see if it had been mailed. It was indicated in the app, and I received an email that my card was mailed. Later, I checked my account, and it stated the account had been closed. I was highly upset that the card was closed before I ever received the card, and no one called me or anything. I received a letter online stating that it was closed due to a previous account issue. I paid the previous account I had with them off, which is why I thought they approved and opened the new one. I secured credit card is a XXXX chance to rebuild your credit, which is why I assumed it was approved in the XXXX place. I feel like they misled me, falsely sent me a letter stating I was approved, and then closed it when I did nothing wrong. When asked about when and how I would receive my deposit back, they indicated it would take XXXX or XXXX billing cycles for me to get my money back. Capital One quickly took my deposit from my checking account it should be quickly refunded to me. I never got to use the credit card, so it should take XXXX or XXXX billing cycles to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
I was not actively using my Klarna account for a period of time while I was away. During that time, several of my devices were stolen, and multiple of my personal accounts were compromised. As a result, unauthorized individuals gained access to my Klarna account and made purchases without my knowledge or consent. These transactions were not authorized by me. After discovering the fraudulent activity, I promptly reported the issue to Klarna and requested an investigation and refund of the initial payments taken from my account. Klarna responded by denying my fraud claim without providing sufficient explanation or evidence of a proper investigation. Despite reiterating that these were unauthorized transactions caused by account compromise, Klarna has continued to hold me responsible for the charges and has escalated the matter to collections. I have attempted multiple times to resolve this issue directly with Klarna and their collections department, but my claim has been repeatedly denied. I am requesting : A full refund of all initial payments made on these unauthorized transactions Cancellation of any remaining balances Removal of any collections activity related to this matter Written confirmation that I am not financially responsible for these fraudulent charges Klarnas failure to properly investigate and resolve this fraud has caused financial harm and distress.

Company response to consumer: Closed with explanation