vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint regarding a systemic failure in JPMorgan Chases identity verification and application processing procedures, which has resulted in an unauthorized " expiration '' of my application and an unnecessary hard inquiry on my XXXX credit report. Chronology of Events : - XX/XX/year> : Submitted application for [ XXXX XXXX XXXX ]. Chase performed a hard credit pull ( Experian ). - XX/XX/XXXX XX/XX/year> : Received three separate letters ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) citing " suspected identity theft. '' I called the verification department after each letter and was told my identity was verified, yet the automated letters continued. - XX/XX/year> : Per the instruction of a Chase verification specialist, I visited a physical Chase branch located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to resolve the loop. The branch manager physically verified my ID and documents. I was explicitly told that my identity was now verified, the application would be processed, and I should expect a decision letter within XXXX weeks. - XX/XX/year> : No letter was received. Upon following up via phone, I was informed that the application has " expired '' and, after being sent in circles between multiple departments for more than an hour, Chase told me they " can not do anything about it '' ( because none of the departments I spoke to felt responsible ). My application was functionally completed upon my in-person verification on XX/XX/XXXX. Instead of providing a notification of approval or denial, Chase allowed the application to expire through internal administrative delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: MD

Complaint narrative:
In early XXXX, my account was charged multiple times for transactions that I did not authorize, including digital wallet transactions ( XXXX XXXX ) and debit card transactions conducted via tap-to-pay and chip insert. No PIN was used for these transactions. During the timeframe these transactions occurred, my phone was lost, and I did not have possession or control of it. My debit card, however, remained in my possession at all times. I promptly reported these unauthorized transactions to Chase upon discovery and submitted a written statement explaining the situation. Chase denied my claim, citing the use of XXXX XXXX and stating that the transactions were authorized, despite the fact that I did not have my phone at the time. Chase has not provided sufficient evidence demonstrating that I personally authorized or authenticated these transactions. Additionally, I was advised to contact the merchant directly to obtain surveillance footage to prove the transactions were not made by me, which is not a reasonable expectation and does not meet the banks responsibility to properly investigate unauthorized transactions. I maintain that these transactions were unauthorized and occurred while I did not have control of my device. I am requesting a proper re-investigation and reimbursement. Additionally, I did not receive any fraud alerts, verification requests, or transaction confirmations from Chase during the time these transactions occurred. Given the unusual activity, this indicates a failure to identify and respond to potentially fraudulent transactions in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
b'This is regarding my recently filed case XXXX (here is previously provided description "My savings account with OpenBank Santander was hacked and two withdrawals were made from my account without my knowledge or consent, to XXXX XXXX for $XXXX on XXXX and to XXXX XXXX for $XXXX on XXXX. Upset that their security protocols did not prevent these unauthorized withdrawals!").\n\nI have been calling OpenBank for updates and have been unsuccessful. While they are continuing to investigate the fraud, they have BLOCKED my account and do not have access to my $XXXX in that blocked account. I need to have the money to pay my bills. I was told in phone call this week that fraud department told me to open a new account to have for these funds to be placed, however, I am BLOCKED from doing this while investigation is ongoing. SO they have not recovered the almost $XXXX that was stolen but even more of an issue is that they are holding MY $XXXX hostage while they investigate. I NEED THIS MONEY TO PAY MY BILLS! Is absolutely crazy that because of their security breech, they are allowed to prevent me from having use of MY MONEY that I need. \n\nFurthermore, today, I requested on phone to speak with supervisor. I spoke with XXXX (tel. XXXX XXXX) who reportedly was "working on my case". When I spoke with her, she appeared to know NOTHING about my case and then she ASKED ME IF I HAD FILED A CLAIM!!! The case is now about a week old, I had given all the info about the hacked accounts by phone to OpenBank employee when I discovered the hacks and I SPECIFICALLY asked if I needed to file a written report and was specifically told (paraphrasing) NO, we handle this a different way at OpenBank, you do not need to do a written report, we will take care of all of this. I questioned her once more to be sure and was reassured that I did not need to do anything more. NOW, XXXX, after a week is asking me if I filed a claim!!! I then asked her how she could ask me this one week after the claim had already been filed and she said something to the effect of "I was given wrong info on your case". It appears that NOTHING has been done to try and recover my funds after 1 week--it is infuriating!!! But most of all, I need access to my money in the account to pay bills TODAY. PLEASE HELP!!!'

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Payment was made, proof was documented, payment was returned as a refund for unknown reasons. I was then told I did not make my first payment thought the money is still in they're possession at this time. I went to the dealership who is on my side. I have a notice from the financial institution advising I have until the XXXX of XXXX to correct the payment issue of XXXX. Though they have the funds. Then the made the dealer keep my truck. So they have my payment and my truck. Though I have a document they sent to me and my co signer stating we had until the XXXX of XXXX to rectify the issue they created. They are violating they're own contract. I have lost days of work and this is stressing me out. My co signer also never received any other pre warning of any missed payment. Please help. The company is Westlake Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: TX

Complaint narrative:
XXXX XXXX has confirmed that an account associated with me was sold to Jefferson Capital Systems and has directed me to Jefferson for account validation and substantiation. However, I have never received any direct communication, validation notice, or documentation from Jefferson Capital Systems regarding this account. I have not been provided with a full account ledger, documentation establishing ownership of the account, or any records supporting the balance or status of the debt. This is especially concerning given that XXXX has stated it does not maintain a complete account record and has directed all substantiation requests to Jefferson. As a result, I have been unable to obtain sufficient information from any party to verify the accuracy or completeness of this account. I am requesting that Jefferson Capital Systems provide full validation of the account, including documentation establishing ownership, a complete account ledger, and any records supporting the balance and status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX indicated that I am responsible for XXXX student loans and I am only responsible for XXXX. Firstmark services purchased these loans and now they are stating that I owe for XXXX XXXX of which are fraudulent. I have submitted numerous police reports to the lender as well as the credit bureaus, and now I am submitting proof an FTC report that was requested of me by XXXX. I am requesting valid proof that I authorized these accounts or I request they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: VA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They reported an account that I never agreed to, and I did not sign any contract or enter into any legally binding agreement with them. A valid contract requires the consent and signatures of both parties, and I was not involved in any such arrangement. Additionally, they failed to follow the required debtvalidation procedures. Under the FDCPA, I have the right to proper validation and to be protected from abusive or unlawful collection practices. Their actions have clearly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Complaint Against : Affirm , Inc . Product : Installment Loan / Point of Sale Loan Issue : Fraud / Identity Theft / Incorrect Information on Credit Report Complaint : I am filing this complaint regarding a fraudulent loan opened in my name with Affirm ( Case ID : XXXX ). I did not authorize this loan, and it is the result of identity theft. I previously disputed this account directly with Affirm and provided supporting documentation, including the identity of the individual responsible. The location of that individual matches the shipping address used in the fraudulent transaction. Despite this evidence, Affirm denied my claim and continues to hold me responsible based on insufficient and speculative reasoning. Their conclusions rely on claims such as IP address similarity, device usage, and purchasing patterns, none of which prove that I personally authorized this loan. Affirm also incorrectly stated that I failed to report the fraud in a timely manner. This is false. My phone records show that I contacted Affirm on the same day the loan was initiated and again two days later to report the unauthorized activity. Affirm failed to take appropriate action at that time. Additionally, Affirm suggested that the loan may have been taken out by a household member or associate. This is purely speculative and unsupported. I did not authorize any individual to open accounts on my behalf. Affirm has failed to meet its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and to verify that this debt was legitimately authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: AL

Complaint narrative:
I have called Cash App multiple times on a fraudulent charge that i did not make. On XX/XX/year> someone tried to take {$1800.00}, {$400.00}, and {$99.00} off my cash app that was linked to my debit card. My bank caught this and stopped it so then they borrow {$370.00} off my cash app credit line and transferred it to themselves. Iv called and made multiple complaints and will not be transferred to management. They just keep saying it will be handle through email. They also keep dropping my disputed on the app, no one is reaching out to me by phone or email and they are showing I owe {$400.00} now to cash app on the app. They will not let you speak to management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
XX/XX/XXXXnotified me Mohela was taking over my account to pay Mohela ( which I complied ) I have continually paid Mohela and on XX/XX/year>2026 I went to pay student loans via internet. Upon paying loan XX/XX/XXXX took money from my account and Mohela took money from my account. When calling Mohela they said I do not have an account with Mohela. Who have I been paying? please help me Where has this money been going? IfXX/XX/XXXXAND MOHELA has been taking the money and I have no account with either of them where where is the money going? Please help me please help me! XX/XX/XXXXhas stolen much money and Mohela says I dont have an account please help me ( have they stolen my money also? ) This I ALOT of money to me. How do I get help?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I filed an auto insurance claim with XXXX following a one-vehicle accident. The claim has remained open and unresolved for several months, and I have been repeatedly told it is still under investigation without a clear determination. During this time, my auto loan has remained current and in good standing, with no missed or late payments. Despite this, in or around XX/XX/XXXX, the lender took possession of the vehicle while the insurance claim was still pending. I was then informed that I must pay approximately {$5000.00} in order to have the vehicle released back to me. I have not been provided with a clear explanation as to why the vehicle was taken given that the loan is not in default. The demand for payment to recover the vehicle, while the loan remains current and the insurance claim is still unresolved, appears to be improper and has caused significant financial hardship. I have attempted to address this issue but have not received a satisfactory explanation or resolution. As a result, I am requesting a review of the lenders actions, including whether taking possession of the vehicle and requiring payment under these circumstances constitutes an improper repossession or an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate medical collection account resulting from billing discrepancies that are not supported by the providers own medical documentation. After requesting and reviewing my complete medical records, I identified clear contradictions between the documented care and the services billed. Specifically, the provider documentation states there was no concern for aXX/XX/XXXX XXXX, yet I was billed for a broad respiratory viral PCR panel ( XX/XX/XXXXXXXX ) costing over {$4000.00}. Additionally, I was billed for a XXXX XXXX emergency department visit ( XXXX ), which is not supported by the documented level of care. The records reflect mild symptoms, stable condition, and discharge without intervention. The hospital conducted a billing review but explicitly stated they did not evaluate medical necessity, and instead relied on internal guidelines rather than addressing whether the documented care supports the charges billed. Because the reported balance is based on charges that are not supported by the medical record, the amount is inaccurate. This account is currently in collections and reported on my credit file. I am requesting : A proper review of medical necessity based on the actual documentation Correction or removal of unsupported charges Recall of the account from collections Deletion of the collection from my credit report If the charges can not be substantiated with documentation consistent with accepted medical standards, this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: KEYCORP
State: NY

Complaint narrative:
We are writing to formally file a complaint regarding multiple fraudulent transactions on our KeyBank business checking account, the failure to prevent those transactions despite immediate notice, and the lack of escalation and follow-up. On XX/XX/XXXX, multiple fraudulent transactions totaling approximately {$7000.00} were processed on our account. Less than XXXX month prior, a separate fraudulent charge of {$430.00} resulted in a card replacement. Despite this, our replacement card was compromised again. We reported the fraudulent transactions immediately while they were pending and visited our local branch the same day. The branch manager contacted the appropriate department to request that the transactions be stopped. At no point were we informed that the transactions could not be prevented. However, they were ultimately processed. XXXX of the transactions were unauthorized payments to XXXX Bank totaling over {$5400.00} and caused an overdraft of approximately {$1300.00}, yet were still authorized. Additional fraudulent activity included a materials order in Texas, which we personally intervened to stop by contacting the merchant directly. Since XX/XX/XXXX, we have made repeated attempts to escalate this issue through branch, phone, and online support channels. Despite promises of follow-up, no one has contacted us. We have received inconsistent information and no clear status updates. We have also raised concerns regarding repeated failures in fraud detection, including out-of-state transactions and repeat fraud after card replacement. This situation has caused material financial harm to our business, including loss of cash flow, inability to meet obligations, and lost sales. We are requesting immediate escalation, direct contact with a resolution specialist, expedited resolution of the disputed transactions, and a full review of the failure to detect and prevent fraud. Due to lack of response, we have initiated complaints with the CFPB and other regulatory bodies. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
Description of Incident Issue : Inaccurate reporting of a " Charge-off '' status following an insurance total loss settlement due to a lender notification failure. Timeline of Events : XX/XX/XXXX : The vehicle was involved in an accident and subsequently deemed a total loss by the insurance carrier. XX/XX/XXXX : I proactively established a permanent USPS Change-of-Address with mail forwarding to my new residence. This action was taken to ensure all final correspondence regarding the account closure would be received. XX/XX/XXXX : The lender confirmed receipt and successful processing of the primary insurance settlement payout in the amount of {$33000.00}. XXXX XX/XX/XXXX : Despite having successfully processed the large insurance payment and having access to my updated contact information through mail forwarding and proactive updates, the lender failed to send a deficiency notice or final statement regarding a residual balance to the new address. No communicationwritten or verbalwas received during this period. XX/XX/XXXX : The lender reported the account to the credit bureaus as a " Collection/Charge-off '' with a past due balance of {$1500.00}. This was the first notification I received that a residual balance existed. This derogatory mark resulted in an immediate XXXX-point drop in my credit score. XX/XX/XXXX : Upon discovering the derogatory remark on my credit report, I immediately contacted the lender and paid the full residual balance of {$1500.00} within 24 hours to resolve the matter. Summary of Dispute : The derogatory reporting is the direct result of an administrative failure by the lender. I took all necessary steps to remain reachable, including filing official government move documentation. The lender successfully received over {$33000.00} from the insurance carrier but failed to notify me of the final deficiency before reporting the account as a " bad debt '' write-off. As a consumer who has acted in good faith and resolved the debt immediately upon discovery, I am requesting that the company perform a full deletion of this derogatory trade line from all credit bureaus. The reporting was premature and resulted from a documented failure in the lender 's internal notification process.

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