vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In or around XX/XX/XXXX, I purchased a handbag valued at approximately {$10000.00} using my Chase XXXX XXXX credit card. In XX/XX/XXXX, the item was stolen from my home. I filed a police report regarding the theft. Shortly after the incident, I submitted a Purchase Protection claim through the cards benefits administrator ( XXXX XXXX Company XXXX XXXX ). In XX/XX/XXXX, the claim was denied on the basis that the incident occurred outside the XXXX coverage window. I understand the stated terms of the Purchase Protection policy and acknowledge that the denial was based on the timing limitation. However, this represents a significant financial loss tied directly to a purchase made on my Chase card. Following the denial, I contacted Chase customer service and later spoke with the retention department to request any goodwill consideration or discretionary assistance. I was informed that no support could be provided. I am seeking a reasonable resolution from Chase, such as a goodwill adjustment, partial statement credit, or other form of discretionary relief, given the circumstances and my history as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to close my Citi Double Cash credit card through the Citi mobile app. The app directed me to call a customer service phone number to complete the closure. I called the number and was connected to a customer service representative. I explained that I wanted to close my account and provided my reason for doing so. I was then transferred to a different representative who stated they would handle the account closure. The representative confirmed that I wanted to close the credit card account. They offered me XXXX points to keep the card open, which I declined. They then offered a credit card upgrade, which I also declined. After I declined both retention offers, the representative sounded frustrated and told me to wait a few minutes while they processed the closure. I was then placed on hold for approximately 25 minutes with no updates or communication. While still on hold, I opened the Citi app chat support and connected with a separate agent. I explained that I had been on hold for approximately 25 to 30 minutes while attempting to close my credit card account. The chat agent then completed the account closure through the app. Approximately one to two minutes after I received the confirmation email stating that my credit card account had been closed, the original phone call disconnected without the representative returning to the line or confirming the closure. My concern is that the phone support process appeared unnecessarily obstructive and was not handled professionally.

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint because of a failure to conduct a reasonable credit investigation under the FCRA regarding a Jefferson Capital Systems account. I disputed this account, and it was falsely verified as accurate on XX/XX/XXXX, XXXXThis trade line is inaccurately reporting the Loan Type as a " XXXX XXXX XXXX. '' I am an individual consumer, and the original debt was a standard consumer credit card with XXXX XXXX. Jefferson Capital is a debt buyer, not a factoring company buying commercial invoices. Furthermore, the payment history is completely missing as " XXXX XXXX, '' which violates the completeness and accuracy requirements of the FCRA. The estimated removal date of XX/XX/year> also creates a timeline contradiction with the reported collection opening date of XX/XX/year>. I demand the immediate deletion of this inaccurate and misclassified trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened Capital One credit card due to promotional offer of balance transfer. Once I opened the account, I was not able to transfer balances to the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
I financed a 2023 XXXX XXXX through an auto dealer, and the vehicle has had serious mechanical, safety, and documentation issues almost immediately after purchase. After only XXXX round-trip drive from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles ), the maintenance light activated and the vehicle required an oil change far earlier than expected for a nearly new vehicle. I paid {$130.00} out of pocket for this service. When I later brought the vehicle to an XXXX dealership in XXXX, dealership personnel informed me the vehicle appeared to have excessive wear inconsistent with a XXXX model and indicated it may have prior undisclosed damage, heavy prior use, unresolved recalls, or accident-related issues. I was also informed the vehicle should not have been sold in its present condition. In addition, I discovered numerous errors and inconsistencies throughout the financing and dealership paperwork, including incorrect names, inconsistent VIN information, incorrect trust information, irregular signatures, and documentation connected to GAP coverage, service contracts, and add-on products that appear inaccurate or improperly executed. I requested clarification and correction regarding the vehicles condition, the recalls, the premature maintenance issue, the oil change charge, the financing discrepancies, and the validity of the associated loan products, but I have not received an adequate resolution. I believe the vehicle was materially misrepresented at the time of sale and that the transaction may involve violations of federal and state consumer protection and lending laws, including but not limited to the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), Federal Trade Commission XXXX ( 15 U.S.C. 45 prohibiting unfair or deceptive acts or practices ), Equal Credit Opportunity Act ( XXXX XXXX. XXXX ), Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX XXXX ( 15 U.S.C. 2301 et seq. ), XXXX XXXX XXXX provisions regarding merchantability and misrepresentation ( XXXX XXXX, XXXX, XXXX ), California XXXX XXXX XXXX XXXX California XXXX XXXX disclosure requirements, and other applicable consumer finance and banking compliance standards overseen by the CFPB, FTC, XXXX, and applicable XXXX and XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Description of Incident : On XX/XX/year>, I deposited a check for {$1300.00} via the Chase mobile app, which was purportedly payment for a remote position I had secured. My primary concern before proceeding with any work-related expenses was to ensure the legitimacy of the check and the employer. Chronology of Events : Deposit : The check was deposited on XX/XX/year>. Verification : After a 24-hour pending period, the Chase mobile app and website updated the status of the check to " Confirmed. '' Communication : According to the Chase website, once a check is " confirmed, '' the funds are " available for use. '' I interpreted this statusprovided by a major financial institutionas a verification that the check had successfully cleared the issuing bank and was legitimate. Reliance on Information : Based solely on this " confirmed '' status, I proceeded to use {$1000.00} of the funds to purchase gift cards as instructed by the employer, believing the bank had verified the security of the deposit. Reversal : Several days later, Chase notified me that the check had been returned. This resulted in a significant financial loss, as the " confirmed '' funds were retracted from my account after I had already spent them. Basis for Complaint : While I understand that federal regulations require banks to make funds available quickly, the use of the term " Confirmed '' is misleading to the average consumer. To a layperson, " confirmed '' implies that the bank has verified the validity of the funds with the originating institution. By explicitly stating the money was " available '' and " confirmed, '' Chase provided a false sense of security that directly led to my financial victimization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Remitly, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX, We appreciate your past use of our deposit account service. In order for XXXX to continue offering its customers a reliable and convenient way to do banking, we have to make sure our customers are using our service within the limits of our User Agreement. That occasionally forces us to make difficult decisions regarding customer accounts. After thorough deliberation, we have deactivated your XXXX account XXXX. While we are unable to provide specifics surrounding the reason, please understand the decision to close your account is final and any additional accounts created will also be closed. If there is money due to you in your account, a check will be sent to your address on file within XXXX days. We are unable to send these funds to a different address or via a different method. We appreciate your understanding in this matter and thank you for choosing XXXX. Always a reply away, -XXXX The XXXX app is by Remitly, a financial technology company. Remitly is not a bank. Banking services are provided by XXXX XXXX XXXX. The XXXX Visa debit card is issued by XXXX XXXX XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX. The card can be used everywhere XXXX debit cards are accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Credee Corporation
State: FL

Complaint narrative:
I formally and unequivocally dispute this account as fraudulent, inaccurate, and unauthorized. The documentation provided by the furnisher fails to establish that I personally entered into, signed, authorized, or benefited from this alleged agreement. In fact, the records provided clearly contain another individuals name and conflicting identifying information, which immediately calls into question the reliability, accuracy, and ownership of the alleged account being reported. The furnishers response relies heavily on electronic data such as an IP address, phone number, and email address. However, none of these elements constitute competent proof of identity or authorization. Electronic information can be used, accessed, manipulated, or entered by third parties and does not establish that I knowingly or willingly executed this agreement. No government-issued identification, notarized documentation, biometric verification, authenticated signature verification, or credible evidence has been produced proving that I personally created or authorized this obligation. Additionally, the documentation itself contains significant inconsistencies regarding the alleged balance, finance charges, and payment terms. The agreement simultaneously references NO Interest while also imposing finance charges and discussing interest calculations, creating materially misleading and contradictory disclosures. Multiple payoff amounts and balances also appear throughout the documents, further undermining the accuracy and integrity of the reporting being furnished to the credit bureaus. Under the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be complete, accurate, and fully verifiable. The furnisher has failed to meet that burden. Continuing to report disputed and unverifiable information despite these material inconsistencies is improper and damaging to my consumer profile. I demand an immediate and comprehensive reinvestigation of this account. If the furnisher can not produce competent evidence proving that I personally authorized and incurred this debt, then this account must be permanently deleted from all consumer reporting agencies without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I discovered three unauthorized transactions on my Bank of America account totaling {$13000.00}. On XX/XX/year>, a {$5000.00} transaction was posted from a merchant identified as XXXX XXXX XXXX XXXX in XXXX, California. On XX/XX/year>, two additional {$4000.00} transactions were posted from a merchant identified as XXXX XXXX XXXX XXXX in XXXX, California. I did not authorize these transactions, do not recognize these merchants, and had no business relationship with these companies. I retained possession of my card at all times and did not click, respond to, or affirmatively approve the disputed transactions. Bank of America generated security alerts for some account activity, but I did not receive any authorization confirmation request related to the disputed {$4000.00} transactions. After discovering the charges, I immediately contacted Bank of America and filed fraud claims. However, Bank of America denied my fraud claims and concluded that the transactions were authorized. I requested information regarding the basis for this determination, including the evidence used to conclude that the transactions were authorized, but the bank did not provide meaningful supporting documentation or explanation. I am requesting a reinvestigation of these disputed transactions, disclosure of the evidence supporting the banks authorization determination, and reimbursement of the unauthorized charges.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OK

Complaint narrative:
My account was closed based on a factually incorrect claim of 'gambling. ' I have never participated in gambling. My payments were for documented youth sports reimbursements ( soccer ) and occasional hobbyist homestead sales ( rabbits/eggs ), and a couple favors I did for an agent in my office ( CMA reports ). The account however was closed for " gambling ''. I attempted to resolve this directly with their app support chat and then a hand written letter to their office and Cash App issued a generic " final decision '' without providing evidence or a human review to both appeals. I am seeking a reinstatement of my account and a correction of my internal risk profile if that is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: PA

Complaint narrative:
I am formally disputing the late payment reporting on the above referenced account. Under the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be complete, accurate, and verifiable. The late payments currently being reported are inaccurate and/or can not be properly verified. I am requesting a full investigation of this matter. Please provide the original documentation, payment history, and any records bearing my signature that verify the validity and accuracy of these alleged late payments. If you are unable to provide verifiable proof that these late payments were reported accurately and in compliance with the FCRA, you are required to immediately remove the late payment entries from all consumer reporting agencies to which you have reported them. Please be advised that reporting information that can not be verified or that is inaccurate constitutes a violation of federal law. I expect this matter to be investigated and corrected promptly.

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 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a deposit in lieu of bond at bank of america for my busines XXXX XXXX XXXX. We closed the business and I provided a Certificate of Dissolution from the State of Washington to release the bond. They recieved it XX/XX/year>. I spent 3 hours on the phone with them on XX/XX/year> to try and get the hold released. After being transfered to 7 departments they are still unwilling to release my funds back to me. They said that someone from an unamed department will call be back in 3 to 5 business days to discuss the issue. They do not recieve calls to this department and I have no idea what day or time they will call so if I do not answer I have zero recourse but to call they regular customer service department to start all over again. Attached is the original letter I sent plus the Certificate of Dissolution from the State of Washington

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: NV

Complaint narrative:
I disagree with the companys response and believe the investigation remains incomplete. The company states that my account was accurately reported as XXXX days late, XXXX days late, and eventually XXXX days past due. However, the documents provided in their investigation do not clearly support those conclusions. The records attached by the company primarily show successful XXXX payments and general account information. I do not see documentation clearly identifying : the exact payment that was allegedly missed, the date the account first became delinquent, the balance due at the time of delinquency, any assessed late fees, or a full payment ledger proving how the late reporting was calculated. The companys own attached records show multiple successful payments, yet the investigation response does not explain how those records resulted in the late-payment reporting being furnished to the credit bureaus. I am requesting : a complete account payment ledger, the exact dates and amounts allegedly missed, documentation showing how the delinquency was calculated, and the method used to verify the late-payment reporting provided to the credit bureaus. I also request that the CFPB note this complaint is related to prior complaints : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite repeated disputes and supporting documentation, I still have not received a clear explanation supported by complete account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding a failure by Synchrony/CareCredit to issue a refund for a credit balance after a refunded purchase. I purchased a service that was later refunded by the merchant. Prior to the refund, I had already made payments totaling {$1100.00} toward the balance. After the merchant refund was processed, I requested a credit balance refund check for the payments I had already made. Since XX/XX/2025, I have contacted CareCredit/Synchrony XXXX separate times because I never received the refund check they claimed was mailed. Each time I contacted them, I clearly stated that the check had not been received. Despite this, the only action taken has been repeatedly reissuing another standard mailed check. My address and account information have been verified multiple times and are correct. On my fourth contact, I specifically requested an alternative resolution due to the repeated failure of delivery, including : certified mail overnight delivery direct deposit/ACH any other trackable or secure refund method These requests were denied, and no meaningful escalation or alternative solution was offered. Today, during my fifth attempt to resolve this matter, I was again told the only option was to reissue another standard mailed check despite XXXX prior failed attempts. I have now been attempting to obtain this refund for several months with no resolution. The company has failed to provide the owed credit balance refund or offer any reasonable alternative delivery method despite repeated notice that the checks are not being received.

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