vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this clarification in response to JPMorgan Chase Bank, N.A.s assertion that my request lacked sufficient information and that they were unable to reach me. 

First, Chases claim that it could not reach me is inaccurate. After receiving Chases email requesting a call back, I called the provided number repeatedly over multiple days. Each time, I was routed through agents who attempted to connect me with the Executive Office contact referenced in the email. I was placed on hold, transferred, or told that the executive contact was unavailable. At no point was I successfully connected, despite repeated attempts. Any implication that I failed to cooperate or was unresponsive is false.

Second, my request has been consistent and specific for months. I am asking Chase to produce the signed authorization or consumer-executed document it claims exists to justify : accepting an alleged attorney or representative, updating my account to reflect that representation, and associating my account and correspondence with a mailing address tied to that attorney. 

Chase has repeatedly referenced authorization, representation, or correspondence allegedly received, yet has never produced a single signed authorization, power of attorney, or document executed by me permitting any third party to act on my behalf or receive my account information. Despite multiple requests, no such document has been identified or provided. 

This is not a generic credit-report dispute and not a request for explanations or summaries. It is a request for the underlying document Chase relied upon when it altered my account status and mailing arrangements. Either such authorization exists, or it does not. There is no third option. 

By attempting to redirect this matter into a routine dispute form and claiming insufficient information, Chase is avoiding the central issue : whether it can substantiate its own actions and representations with actual, signed consumer authorization. I am willing to provide information reasonably necessary to facilitate review, but Chase must first acknowledge the correct scope of this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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:
My name is XXXX XXXX XXXX XXXX, XXXX close my account and my brother 's, XXXX 's and mom 's account and we can not use XXXX anymore without a reason and any explanation, that was like 6 months ago, now XXXX bank of america close my account and also my brothers account who's name is almost the same as mine ( XXXX XXXX XXXX XXXX ) also close my father 's account ( XXXX XXXX XXXX XXXX ) my elder brother 's account ( XXXX XXXX XXXX XXXX ) and my mother 's account ( XXXX XXXX XXXX XXXX ) I don't really know what happened, how is this possible and this doesn't make any sense, we do not have XXXX for no reason and now we do not have bank of america account anymore, this doesn't make any sense because how can we all violated the terms and conditions of a company at the same time, i think this XXXX companies are really confused because of our names that are almost the same the only thing that changes is the middle name but this affect our family so much, we want and claim for our accounts to be reopened and our XXXX restrictions to be eliminated. We didn't violate any terms or condition, i think this companies are doing the wrong thing with us only because a confusion in our names that are almost the same and they maybe think we have fake accounts with the same name

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 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: UT

Complaint narrative:
I was given a XXXX gift card with {$100.00} balance. I tried to use it to make an online purchase, but without a billing address my purchase was rejected. I tried looking for info on their site XXXX XXXX XXXX and tried calling the number on the back of my card. I wasn't given the option to speak to a person, but their chatbot said that cards can not be linked to a billing address. Wild, in this day and age. They gave a solution of just using the card somewhere else. So, they're not really accepted everywhere and can not be used the same as a debit card? Because even those are linked to a billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I never received nor touched my card XXXX was taken from me and chime denied it and I know they cant do that so I need my money back chime is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Paypal Holdings, Inc
State: SD

Complaint narrative:
A XXXX account attached to my account was suspended and mine was suspended shortly after. I called to ask why and the representative told me I would have an email explaining the situation. I had no such email, nor did the XXXX. I then asked her to send me that email again, and she said the issue would be resolved in XXXX business days. When it had not been resolved nor was any email sent, I called again, and got the same answer. This was about XXXX weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I was shown a personalized auto-loan refinancing advertisement through Credit Karma for a XXXX XXXX XXXX. The advertisement displayed a specific APR XXXX XXXX XXXX XXXX, specific loan term ( XXXX months ), and specific estimated monthly payment ( $ XXXX ), and was presented as personalized based on my credit profile ( XXXX ). 

Relying on this representation, I proceeded with the application, which resulted in a hard credit inquiry. After contacting the lender, I was informed that the advertised rate and term were not available. The lender instead offered materially worse terms ( approximately XXXX XXXX  APR at XXXX months, or XXXXXXXX XXXX APR at XXXX  months ). 

When I asked where the original advertised rate came from and what credit score would qualify for the XXXX XXXX  APR at XXXX  months, the lender could not explain or substantiate the offer. 

On the same day, XXXX publicly available rate chart stated that the lowest available APR for an XXXX term was XXXX XXXX, indicating that the advertised XXXX XXXX / XXXX combination was inconsistent with XXXX  own published pricing XXXX 

As a result, I incurred a hard inquiry on my credit report without any corresponding access to the advertised terms, and the rates offered were worse than my existing auto loan. 

I believe this constitutes misleading advertising of credit terms, presenting best-case or unavailable rates as personalized offers, causing consumer harm through unnecessary hard credit inquiries. I am requesting review of the advertising practices involved and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint because Wells Fargo failed to honor its stated resolution condition. 

Wells Fargo informed me in writing that my XXXX restriction could not be resolved because the police report did not include the senders name. I was instructed to submit an updated police report that listed the sender name shown on the XXXX transaction. 

On XX/XX/year>, I amended the police report to include the exact sender name as it appears on the XXXX transaction and submitted it to the Wells Fargo XXXX escalations address as instructed. The sender name provided was added to the police report. 

Despite satisfying the stated requirement, Wells Fargo denied reinstatement again on XX/XX/year> and claimed the sender name was still missing. This is incorrect, as the amended police report clearly includes the sender name exactly as requested. I believe they are purposefully being dishonest with me and have no intention of reinstating my XXXX 

I am requesting that Wells Fargo honor its stated resolution condition, review the amended police report that was submitted, and reinstate my XXXX access.

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 2026-01-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I dispute an illegal charge on my account but citi didn't recover the funds due to their negligence and states the merchant is not willing to give them back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Identity Theft Statement My name is XXXX XXXX, and I am a victim of identity theft. I am writing to formally dispute an account that was fraudulently opened in my name without my knowledge or authorization. 
My personal information was used to open a Kay Jewelers account in the amount of {$2100.00}. I did not open this account, did not authorize anyone to open it on my behalf, and did not make any purchases associated with this account. I have no affiliation with this account in any way. 
I recently became aware that this fraudulent account is now being reported in collections and is negatively impacting my credit report. Because this account was the result of identity theft, I am requesting that it be removed from my credit report immediately and that I not be held responsible for any charges, balances, or collection activity related to it. 
This statement is made in good faith and is accurate to the best of my knowledge. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
A year or two ago I tried to open an account with chime and they currently said that I had a account opened which I never opened and asked them to open a new account that I can verify its me and they told me I couldnt and I wan na know if this is a issue I can resolve and be able to open an account ty at I can verify is me and when I ask to speak to. Manager I get suck down and get told they will tell me the same thing they have told me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
This agency claims that I owe a debt to XXXX however I have never had them as a utilities company and I have never lived in XXXX XXXX XXXX, XXXX, XXXX. This agency is harassing me and is deceptively trying to collect a debt that I do not owe. On top of this reporting to the credit bureaus is hurting me credit for a debt they not only haven't proven to provide initial communication but also can not and have not proven assignment of the debt. They are claiming that they have sent an initial notice to me on XX/XX/year> but I have never received such notice. This is an illegal debt parking tactic to force a consumer into an impossible position. Such actions not only violate the FDCPA but also Pennsylvania 's Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). I demand this agency cease any and all communication as well as collection efforts pursuant to 1692c. Pursuant to the FDCPA, communication is defined as conveying information directly and indirectly through any medium. My credit reports is a medium this agency is conveying information through, therefore communicating with me. If this agency continues harassing about a debt I don't owe, I will seek legal action for violating my rights under Pennsylvania 's Fair Credit Extension Uniformity Act ( FCEUA ) and UTPCPL

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 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
A account XXXX XXXX XXXX im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with the receipt displaying my signature if not, please delete account XXXX as soon as possible from my credit reports XXXX XXXX and XXXX XXXX Or I will take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
I filed a dispute form a charge and when I went to activate my new card it would not let me and then I contacted customer service and they said my account was closed due to suspicious fraudulent activity. I asked how and what she did not have an answer told me to file an appeal and I did then they said my account was still closed for suspicious activity. I only used the account to pay rent, my child support and my brother for work and babysitting. I had direct deposit and that caused me to be late on everything due to not accepting my payroll check and having to wait for a paper one to be mailed. Now I can't pay rent due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XXXX XXXX i received a letter in the mail from Capital one regarding my quicksilver credit card. saying they placed a hold on my account as they had concerns about potential fraud. 
on XXXX XXXX i received another letter stating they restricted my account and wanted me to call to verify recent activity.

I called and spoke with them. there were no discrepancies, no irregular activity, no unauthorized purchases. They told me I had to send them a copy of my driver 's license to have the restriction removed. I declined and asked them to redeem my {$2000.00} in cash back earned. they declined saying they restricted my account.

I called several times over the next couple of weeks hoping to get a different representative or manager.

they told me not only did they want a copy of my driver 's license, but they also wanted a copy of my social security card. i again asked for my {$2000.00} and they said they couldn't because they restricted my account. if i sent the documents they may. may ...

they tried to say i signed a disclosure agreement. I started laughing and told them it never happened. I opened that account over 10 years ago and it was a very quick phone call. Basically, saying I'm approved, thank you for choosing capital one. i have very good credit, and, quite honestly, they didn't even verify my employment. They said it didn't matter. Well, it does, never would have done it.

So they brushed off the disclosure agreement, and again, i asked for my {$2000.00} and they said no. if i didn '' t send the documents in 30 days they were closing my account.

I told them i never missed a payment, was never late, never had a balance and here we are. It wasn't until discover card and capital one merged there was ever a problem. Just becaue they changed their terms doesn't mean i should be held hostage or they redeem my {$2000.00} which i am entitled to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Venmo is attempting to collect an alleged negative balance arising from payments made to a fraudulent merchant operating as XXXX XXXX '' ( also advertise using name " XXXX XXXX '' ). This balance is disputed due to fraud and misrepresentation and should not be treated as a valid debt. 

On XX/XX/XXXX, I intentionally stopped XXXX payments ( {$230.00} and {$270.00} ) through my XXXX XXXX account after discovering the merchant was fraudulent and unresponsive. The stop payment was fraud-related and initiated at my request. Despite being aware of the dispute, Venmo elected to complete payment to the merchant and subsequently froze my account. 

On XX/XX/XXXX, as instructed by a Venmo representative, I notified Venmo in writing that the transaction involved fraud, that my bank intentionally blocked the payment, that the merchant failed to return calls, and that I disputed the charge. 

I filed a police report regarding this incident : Police Report XXXX XXXX : XXXX I have since identified a pattern of similar consumer complaints against this merchant, indicating ongoing fraudulent activity rather than a simple billing dispute. 

Despite notice of the dispute and the police report, Venmo has continued to place collection phone calls attempting to collect the balance. During calls on XX/XX/year>, XXXX, I clearly stated that the balance was disputed due to fraud and that I do not owe the amount. During one call, a Venmo representative stated that action had been taken against the merchant, yet Venmo continued to assert that I am responsible for the balance. 

Venmo 's continue collection activity on a disputed fraud-related balance is improper. I am requesting that Venmo formally mark the balance as disputed due to fraud, cease collection activity, and provide written clarification of its position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: MS

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-01-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the following credit card account that appears on my credit report. I did not open, authorize, or apply for this credit card. This account is inaccurate and does not belong to me. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or incomplete information on my credit report, and you are required to investigate and remove any information that can not be verified as accurate.

Because I never opened this account, you are unable to provide valid proof of authorization, including a signed application, contract, or other documentation showing my consent. Therefore, I am requesting that this account be removed immediately from my credit report. 

Please complete your investigation within the XXXX period required by law and provide written confirmation that this account has been deleted from my credit file. 

If this matter is not resolved promptly, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX - Created Chime Account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Company Direct Deposit added an amount of XXXX XX/XX/XXXX - Contact customer service to inquire about the bonus Reply : " As I reviewed your account I caqn say that yes you are eligible of our {$350.00} intro bonus. The Direct Deposit Reward will be transferred to your Chime Checking Account within XXXX ( XXXX ) business days after you receive a single Qualifying Direct Deposit with these Offer Terms '' XX/XX/XXXX - XXXX XXXX XXXX added an amount of XXXX. Total XXXX XX/XX/XXXX - I contacted Customer Service chat and was transferred to a call with an agent. The agent stated that I did not use the link and did not qualify for the bonus. I requested a supervisor. The supervisor stated that he understood my intention of earning the bonus by creating a new account, but stated that I did not use the link. I requested a closure of my account. The supervisor stated it would be closed within XXXX business days.

Company response to consumer: Closed with monetary relief