vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: LA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting connected to an alleged debt for old work equipment associated with a former employer. This account is being improperly reported as my personal financial obligation despite the fact that I dispute legal responsibility for the debt. I previously disputed this account with the credit bureaus and requested verification. The company continues reporting the account without providing sufficient documentation proving that I personally agreed to or accepted liability for this debt. I am requesting a complete investigation into the accuracy and legality of this reporting. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report accurate and fully verifiable information. I am requesting that the company provide signed documentation, contracts, or other competent evidence showing I am legally responsible for this alleged balance. If the account can not be fully verified, I request immediate deletion from all credit reporting agencies. This inaccurate reporting is negatively impacting my credit profile, ability to obtain financing, and overall financial standing. I am requesting correction and removal of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
i got accepted to XXXX. got approved for student loans.. i could not complete the course. so they kept my loans and then claimed i received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXXHere is the correspondence that I had with XXXX because they are the ones that issued the charge the bank only refunded me so much money then they took back the claim and the refund. Heres the correspondence that I wrote to XXXX. Oh by the way never responded.XXXXDear XXXX Executive Relations,XXXXI am writing to formally escalate a significant and unresolved billing error. I have been a loyal XXXX member sinceXXXX, but I recently discovered that I have been double-charged every month since XXXXXXXXWhile my correct subscription rate is$XXXX, I have been erroneously charged an additional$XXXXevery month in a parallel billing stream.XXXXThe Situation:XXXXDespite my attempts to resolve this via standard support channels, I have been told a full refund is not possible because the charges originated from a card that has since expired. However, my bank,JPMorgan Chase, has investigated these transactions and confirmed they aremerchant errors.\nBecause of the "Automatic Account Updater" service, these charges continued even after the card expired. Chase has already provided a courtesy refund for two of these transactions, but the remaining balance from XXXX through XXXX remains outstanding.XXXXDispute DetailsXXXX Account Email:XXXX Total Overcharge Period:October through XXXX Erroneous Charge Amount:$XXXX per monthXXXX Current Payment Method (Last XXXX Action Taken:JPMorgan Chase has flagged these as merchant errors (Reference numbers included below).\nRequested Resolution:\nI am requesting a full reversal of the remaining duplicate$XXXXcharges for the XXXX period. I trust that my 12-year history with XXXX warrants a manual review of these "ghost" charges that your standard automated systems have failed to correct.\nJPMorgan Chase Reference Numbers:\n\nReference NumbersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 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: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I called, as I have done every month, to confirm that my mortgage payments were being applied correctly to my regular monthly payment obligation and not to principal only. After speaking with XXXX and XXXX, I was informed that the late fees assessed to my account can not be reversed, despite the fact that my payments were received on XX/XX/XXXX and XX/XX/XXXX, both of which were well before the XX/XX/XXXX due date. I am formally requesting a full review of my payment history and all late fees that have been assessed to my account. These fees are improper because my payments were not late. I have consistently communicated that my payments are to be applied toward my regular monthly mortgage payments, not as principal-only payments. I did not experience any issues with my payment application until last year, when your process changed without proper notice to me. I should not be penalized with late fees because of an internal processing change or misapplication of payments, especially when my payments were received before the due date. Please review my account immediately, reverse any late fees that were incorrectly assessed, and provide written confirmation that my payments have been properly applied. I also request a written explanation of how my payments were applied and why late fees were charged despite timely receipt of payment.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this formal complaint against JPMorgan Chase Bank , N.A . for the wrongful denial and reversal of fraud credits regarding Chase Claim # XXXX, totaling {$1400.00} ( XXXX transactions of {$490.00} and {$1000.00} via XXXX on XX/XX/year> ). I am a new small business owner ( XXXX XXXX XXXX in XXXX, TX ). On XX/XX/year>, at approximately XXXX AM, I was targeted by a highly sophisticated utility impersonation scam. The perpetrator called my business from XXXX, posing as my electricity provider, APG & E. Under extreme duress and the immediate threat of power disconnectionwhich would have ruined my newly opened businessI was coerced into sending {$490.00} and {$1000.00} via XXXX under the fraudulent misrepresentation that it was an outstanding balance and a refundable deposit. I acted with immediate and utmost due diligence on the day of the incident : Immediate Bank Notification : Right after the call, realizing it was a scam, I immediately contacted Chase support ( XXXX ) while the transactions were still pending to file a fraud report. Immediate XXXX Notification : I concurrently contacted XXXX support ( XXXX ) to request a stop payment while the funds were pending. Scam Prevention : When the fraudsters attempted a secondary phishing scam later that day at XXXX PM ( impersonating Chase XXXX XXXX from XXXX ), I recognized the fraud, refused to comply, and hung up. Temporary credits were initially applied to my account on XX/XX/XXXX. However, Chase subsequently notified me that they intended to reverse these credits. To actively resolve Chase 's denial and prove the legitimacy of my case, I took immediate legal action : XXXX. Law Enforcement Action ( XX/XX/year> ) : I filed an official police report with the XXXX Police Department ( Case # XXXX ) and provided a signed, comprehensive voluntary statement under penalty of perjury. XXXX. Formal Re-claim Submission : I submitted a formal Notice of Formal Appeal, a XXXX notarized Fraud Affidavit, and the official Police Report to Chase. Despite providing undeniable law enforcement documentation and a notarized legal statement showing I was a victim of fraudulent misrepresentation, Chase Bank rejected my re-claim drop-off and final appeal without a proper review. Chase Bank is failing its duty to protect a consumer under Regulation E guidelines, even though I provided immediate notification while the transfer was pending. I request that the CFPB intervene to compel JPMorgan Chase to permanently restore the {$1400.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My information was released in an insurance company hacking and weeks later this credit card was opened in my name and never paid back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I applied for a CCFlow Line of Credit, a product marketed by XXXX and issued by XXXX XXXX XXXX. At approximately XXXX XXXX on the morning of XX/XX/year>, I utilized the company 's text-to-chat service to verify my bank account. During this chat session, the representative explicitly confirmed that my bank account was verified and that my application was fully approved. Following this confirmation, I digitally signed and executed all requested legal loan documents and agreements on the platform using the last four digits of my Social Security Number. I was then informed that the account was approved and successfully funded.Because I intended to use this line of credit strictly for emergency use, I did not immediately initiate a cash withdrawal. The following day, XX/XX/year>, I logged back into my portal to find that my entire approved account and signed paperwork had vanished, and the status was altered back to " Application Pending. '' Furthermore, the company failed to email me copies of the closing disclosures or the legally binding contract that I had executed with my Social Security Number.When I contacted customer support to resolve this, the platform refused to proceed due to a verification failure. Upon checking my profile dashboard, I discovered that the company 's system contains a critical data error that corrupted my personal information. The system took a 4-year-old residential address that I have not used on any legal document in years and incorrectly mashed it together with my current zip code ( XXXX ), completely overwriting the real address I used on my application. This data corruption on the lender 's end directly caused their automated system to invalidate my legally executed contract and roll back my approval. Because of this severe security and operational failure, I explicitly demanded that support cancel the file and completely delete my profile and personal information. Only after this demand did the dashboard drop back to an " Eligible to Apply '' state.I am filing this complaint against XXXX and XXXX XXXX XXXX for deceptive lending practices, unauthorized corruption of consumer application data, and failure to provide legally executed loan disclosures. I require confirmation from corporate compliance that my corrupted file and personal data have been completely purged from their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a formal complaint against Citibank for severe violations of the Electronic Fund Transfer Act ( EFTA ). 1. On XX/XX/year>, an unauthorized debit card transaction of {$69.00} was processed on my regular checking account ( ending in XXXX ). 2. I did not make or authorize this purchase. This fraudulent charge caused my account to go into a negative balance. 3. I have tried repeatedly to call Citibank 's fraud department to report this. Their automated phone system actively blocks my calls. It states my account can not be serviced and immediately hangs up, making it impossible to report fraud by phone. 4. Because of their phone block, I sent a formal written Notice of Error via certified mail to their XXXX XXXX dispute department to officially report the unauthorized transfer. 5. In a previous CFPB case ( Case # XXXX ), Citibank admitted my account is completely frozen due to this negative balance. 6. Citibank is illegally holding my own funds XXXX and extorting me to pay off a fraudulent overdraft balance before they will unlock my account. They are actively ignoring my fraud dispute to keep the account locked.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My credit card account was initially restricted due to what the bank described as unusual activity. I was informed that additional identity verification was required. I promptly complied with all instructions and visited the bank in person to complete the required verification form, which was intended to allow the bank to confirm my information through XXXX verification processes. Approximately XXXX days later, I had not received any updates or correspondence. When I contacted customer service, I was told that the issue was due to an address mismatch. However, this is incorrect, as my address has remained unchanged for over XXXX years and has always been consistent with my banking records. Despite my compliance and timely cooperation, the bank proceeded to close my credit card account without providing a clear explanation or allowing me a reasonable opportunity to resolve the issue. I believe the closure was based on inaccurate internal information and I am requesting a full review of the decision, correction of any incorrect records, and clarification of the exact reason for the account closure.

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 2026-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On or around XX/XX/year>, I attempted to initiate an outgoing wire transfer from my Marcus by Goldman Sachs savings account to my Interactive Brokers ( IBKR ) brokerage account, which is held in my name. I have successfully completed XXXX prior wire transfers from this same Marcus account to IBKR with no issues. I recently opened a new IBKR account and linked it to Marcus. Marcus completed their verification process on this new linked account and confirmed it was approved. When I attempted to initiate the wire transfer, I was informed the transfer was placed on hold by the Fraud team with no specific reason provided. I called Marcus customer service to resolve the issue and was escalated to a supervisor. The supervisor XXXX XXXX disconnected the call without resolving the issue or providing any explanation for the hold. I was given no timeline for resolution, no written explanation of the basis for the hold, and no clear path to appeal or escalate further. I have XXXX documented prior wire transfers to Interactive Brokers on record, the receiving account is in my name, and the account was verified by XXXX prior to the transfer attempt. I am requesting the immediate release of the wire hold and a written explanation of the specific basis for the fraud hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
At least my car through Exeter Finance I am in a settlement agreement for payoff and the vehicle was repossessed last night in XXXX Nevada I live in XXXX California there are XXXX days left on the settlement agreement to pay at the time of repossession which was a breach of contract they are failing to immediately return the car. I'm missing work being out of state as well as having a special needs child who receives care in Pennsylvania through my private insurance through my job if I lose my insurance she will not be able to attend her XXXX appointments in XXXX due to this repossession that was wrongful considering there is a legal contract of a settlement that expires on the XXXX of XX/XX/year> my car was repossessed XX/XX/year> I signed the settlement agreement XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I disputed unauthorized debit card transactions on my TD Bank account. TD Bank denied/reversed the claims stating there were successful online banking logins and no failed login attempts. That does not establish authorization under Regulation XXXX I did not authorize these transactions. XXXX also advised that the transactions were not associated with my XXXX account. TD Bank continued to hold me responsible despite my dispute and despite the lack of proof that I authorized the transfers. Original claim reference : XXXX Current/refiled claim reference : XXXX I am requesting that TD Bank properly investigate the unauthorized electronic fund transfers under Regulation XXXX and restore the disputed funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 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: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied for the XXXX XXXX XXXX American Express Card after viewing a promotional offer that included a {$500.00} statement credit and XXXX bonus miles upon meeting the required spending conditions. I have screenshots of this offer, which show these terms at the time of application. After opening the account and completing the required spending, I expected to receive the promotional benefits as advertised. However, I did not receive the {$500.00} statement credit. I contacted American Express regarding this issue. They reviewed my account and stated that my enrollment was for an XXXX offer instead of the promotional offer I saw and relied on when applying. I explained that I did not knowingly select a different offer during the application process and that the offer I accepted was the one showing the {$500.00} statement credit and XXXX miles. American Express confirmed their system reflects a different offer selection and declined to provide the {$500.00} statement credit. I am requesting a review of the promotional offer presentation and that the originally advertised {$500.00} statement credit be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: GA

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