vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am submitting this complaint regarding Chase Banks handling of a debit card dispute tied to my checking account. I timely submitted a chargeback supported by clear documentation and legal justification explaining why the underlying charge was improper. Despite this, Chase closed the dispute without addressing the substance of the evidence provided and without providing a meaningful explanation of the basis for denial.

As a result of the mishandled dispute, funds I reasonably relied upon were not restored. This caused significant financial harm, including prolonged financial disruption, the inability to proceed with planned medical care, and ultimately the closure of my Chase account. I am requesting regulatory review of whether Chase complied with its obligations under Regulation E and conducted a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing , Inc. ( SPS ) assumed servicing of my mortgage loan on or about XX/XX/year>. 

In the past I have requested documentation identifying each and every investor, beneficiary, or trust associated with this loan since XX/XX/year>, and copies of any applicable pooling and servicing agreements and prospectuses if a trust has been involved at any time. But SPS did not provide the requested information. 

XXXX XXXX identified as the trustee, has advised in writing that it does not maintain loan-level information and has directed all requests for servicing, onboarding, and authority documentation to SPS. 

I am submitting the attached request with this complaint to obtain a complete, document-based response from SPS identifying what records and information SPS relied upon when onboarding and servicing this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally disputing the accounts listed on my TransUnion credit report. These accounts are reported inaccurately and I request they be corrected or removed from my credit history. Please review and address the following discrepancies : Charged Off Accounts XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXXXXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} Late Payment Accounts XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During maternity leave with my son, I received paper checks from XXXX XXXX XXXX. Since having a baby plus a toddler I decided to deposit it electronically via mobile. The funds were not showing up only for me to find out that Chase Bank closed my account. I had this account since I was a teenager and currently had direct deposit linked with my previous job. The bank sent me a cashiers check with the balance but not the XXXX checks. I went to the bank to try to fix it in the XXXX XXXX XXXX ( Spoke to XXXX ) once and twice in XXXX XXXX ( XXXX and XXXX XXXX ). Only for them to not fix the problem and said that they can not reach XXXX XXXX to verify and confirm the funds. They promised to fix it and to get back to me. Time passed and I had another baby and lost track of time. Since then I went back to Chase to fix the problem because I do still have the paper checks. They said that its on the XXXX side that needs to be fixed. Called XXXX and spoke with Unclaimed Property and they told me that the checks HAVE BEEN CLEARED on XX/XX/year> by Chase. Now with that information I went back to XXXX and only for them to say that they dont have the funds but then XXXX spoke to someone on the phone and confirm that they do have the funds just withholding it due to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: CO

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX XXXX time, XXXX unauthorized debit card transactions of {$500.00} each ( total {$1500.00} ) were made using my Chase debit card that was saved in my XXXX XXXX account. 

I was asleep at that time and did not see any email notifications until the morning. I did not authorize these transactions. I have never sent money to XXXX through XXXX XXXX ; all prior transfers on my account were to XXXX XXXX only. 

I believe my XXXX XXXX account was compromised and that an unknown third party used my saved debit card information to initiate these international money transfers without my permission. 

As soon as I discovered the activity the same morning, I immediately contacted Chases fraud department to report the unauthorized transactions, and my debit card was replaced. 

Despite this, on XX/XX/XXXX Chase sent me a letter stating that, after investigation, they determined the transactions were authorized by me. As a result, on XX/XX/XXXX, Chase removed the provisional credit and withdrew {$500.00} XXXX times ( total {$1500.00} ) from my checking account. 

These transactions were not authorized by me. This was an account takeover involving the misuse of my saved debit card credentials, and I dispute Chases determination that the transactions were authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In early XX/XX/year>, my Bank of America accounts were closed without any clear explanation.

I was informed that the decision was final, but no specific reason, category, or compliance rationale for the closures was provided. 

I am submitting this complaint to formally request a written explanation of why my accounts were closed, including the internal risk or compliance category used to make this decision. 

I am not requesting that the accounts be reopened. I am only requesting clarity and transparency regarding the reason for the closures so that I can understand the issue and avoid similar problems in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, a natural living being and the secured party and trustee of the XXXX XXXX XXXX, hereby issue this formal Notice of Objection and Request for Verification regarding any and all alleged debts claimed to be owed by me, or any estate or account associated with my name or identifying information. This letter serves as a lawful demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting complete verification and validation of any alleged debt. I have not received sufficient proof that any alleged obligation exists, nor have I consented to the collection or reporting of such alleged debts to any third parties. This Notice serves as my formal declaration that : 1. I do not acknowledge any alleged debt without full verification, including a signed contract or agreement bearing my wet signature. 2. I object to any attempt to collect, report, or assign any alleged debt without proper validation. 3. I reserve all rights under federal and state law, including protections under the Constitution of the United States and the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a payment and entered i to a business agreement with the XXXX ( XXXX - XXXX ). We were working through the process via emails, phone calls, and text messages until XX/XX/XXXX. 

They stopped replying to my emails and answering my calls. 
So I started suspecting it was a fraud. I requested a refund and still no answer. I reached out to my credit card company for a refund. First, it was granted then it was reprocessed and I was told that it was too late for a refund. My credit card company said I should have reached out to them within 60 days of the transaction. But everything seemed ok until 8 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I got a customized cash card through Bank of America, and it arrived early XX/XX/year>. I used the card twice and accrued a balance of about {$70.00}. I logged into my mobile banking app in XXXX and saw a note that said my account was flagged for suspicious activity and my spending was locked. I have record that I tried calling them six times and was never able to speak to anyone. XXXX XXXX I realized I was unable to log into my banking app but had just started a new job, so it slipped my mind to follow up. I just gave them a call to try to solve the log in issue, and they informed me that my account has been closed since XX/XX/year>. I asked if they had tried to contact me and they said yes, but I have no phone calls, emails, or texts from them that reflect this. The only email I got was a survey request to rate my recent claim experience, but I had no idea what that was in reference to because I didn't know there was an actual claim. I thought I would just have to call in to verify my identity. Not only did they close my account, but they also immediately sent my {$70.00} past due payment to collections. I have not been contacted by a collections specialist regarding this either. I was on hold for 1.5 hours trying to get connected with someone who can take my payment so I can be done with it, just to be told that I have to wait 3-5 business days before I can even do so. I feel they handled this in a very unprofessional way. I wasn't aware they could close an account and send balance to collections without contacting me. And even if they could, it reflects poorly on them to lack transparency and cause their customer 's unnecessary financial stress. The hoops I had to jump through to even get information from them and try to resolve this issue is ridiculous. There was nothing suspicious about my account or charges, and I would have been a good customer. I can provide documentation and proof of my attempts to contact them and that I received no contact from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Dave Operating, LLC
State: KS

Complaint narrative:
I tried to apply for daves loan app on XX/XX/XXXX. As I was completing the process of signing up, the app abruptly closed me out and gave me a screen saying my account is on hold for security purposes and that someone would reach out by email. I have yet to recieve an email but yesterday on XX/XX/XXXX I noticed I was charged XXXX dollars for the app yet I haven't been able to access the account still due to security purposes. I have tried calling but they have no help line you must have a card number to even get to talk to someone, but I have no daves card number to give them. I have sent an email to a help center but they have done nothing but ask me for pictures to verify that im who I say I am. 
As I have stated up above I haven't been able to get into the app due to the security problem it gave me for some odd reason, I have been trying to access the app but I keep getting the security hold pop up no email or anything telling me I was going to get charged has ever come across my emails or anything so I'd really like to get this resolved because I dont know where else to go to even get contact with this daves loan app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
For the second time Citi has cut my credit limit hoping I won't notice. This is unacceptable and negative affects people 's lives. If someone were in the process of getting a car or home loan and a credit card company just cuts their credit limit for no reason, that increases their credit utilization, lowering their credit score, and potentially jeopardizing the loan that they are in the process of getting. This not only affects consumers, but the economy itself in that deals could fall through because of this devious scheme. I called Citi on XX/XX/XXXX @ XXXX pm and was told it would be restored within XXXX to XXXX  days. I called again on XX/XX/XXXX @ XXXX pm and was told it was in the process of being restored and then was hung up on. I called back again today ( XX/XX/XXXX, XXXX  days after my XXXX  call ) at about XXXX pm and was hung up on by XXXX and again at XXXX pm and talked to Pretty and was told another XXXX to XXXX  days because of the holidays. This is completely unacceptable and I have had my Citi credit card for XXXX  years and have multiple credit cards with even higher limits and lower utilization and Citi is the only one cutting my credit limit without warning or justification. The CFPB should put a stop to this as it massively negatively impacts people 's lives in being about to get a loan for large purchases and negatively impacts the economy at large. As a federal worker with a security clearance, this practice could also cost me my security clearance and job. This is unacceptable and needs to be banned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am submitting this update in response to a recent written communication from Army & Air Force Exchange Service ( AAFES ) Collections. 

In their email, AAFES states that their determination is final and that I will continue to be held liable unless I file a police report naming specific individuals. They also continue to rely on the claim that a parent was listed as an authorized user, while ignoring critical issues of eligibility, improper account origination, and third-party completion of the application. 

The account at issue was opened in XXXX or XX/XX/year>, immediately after I graduated high school, when I had no military affiliation or eligibility to open a Military Star/AAFES account XXXX The application was not completed in my handwriting, and I did not knowingly apply for, authorize, or consent to this account. Any alleged signature resemblance does not establish informed consent, eligibility, or lawful account origination. 

Despite repeated disputes, an FTC Identity Theft Report, and escalation to multiple oversight bodies, AAFES has refused to conduct a meaningful review of eligibility verification or improper approval. Instead, they continue enforcement actions, including referral to third-party collections and interception of my federal tax refund through the Treasury Offset Program . 

I am requesting CFPB assistance to require AAFES to : XXXX. Remove all fraudulent AAFES/Military Star accounts from my name XXXX. Cease all collection activity immediately XXXX. Refund all federal tax refund funds wrongfully intercepted XXXX. Provide written confirmation that I am not liable for this debt AAFESs position places an unreasonable burden on an identity theft victim while failing to address their own approval and verification failures. I respectfully request CFPB review and intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
In XXXX, I opened a BMO checking account after receiving a mailed offer promising a {$400.00} bonus if certain requirements were met. I completed all of the stated requirements within the required timeframe. 

BMO has never paid the {$400.00} promotional bonus. I have sent XXXX written letters to my branch XXXX and XXXX written letters to BMOs president, XXXX XXXX, and have received no response. 

I am requesting immediate payment of the {$400.00} promotional bonus I earned and or a written explanation for why the bonus was not paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet has inaccurately reported my student loan as delinquent for XXXX and XX/XX/year>. My account was brought current in XX/XX/year>, and I have made all required payments on time since then. The reported delinquencies appear to be the result of a servicing or payment application error during the federal repayment restart. Despite being current, Nelnet has failed to correct the inaccurate reporting to the credit bureaus, causing harm to my credit. I am requesting that Nelnet correct my account status and update XXXX, XXXX, and XXXX  to remove the inaccurate delinquency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was recently made aware of these accounts that are not mine, however they are being listed on my credit report. I want these accounts to be removed right away as I did not open them. I believe my ex boyfriend is the one that opened these accounts up and created all this mess. I recall finding pictures of my ID on his phone and wondering why they were there. Please help my remove these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief