vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank, XXXX, specifically the XXXX, Michigan branch, for improper refusal of a Chase-issued check, repeated account handling errors, and unresolved privacy concerns. 
During an in-branch visit, I attempted to cash a check issued by Chase. Despite the check being drawn on Chase and my presence with valid identification, branch staff refused to cash the check without providing a clear or consistent policy-based justification. 
During this same transaction, the teller was wearing XXXX smart glasses and appeared to scan or capture the check using this device. I was not notified that any recording, scanning, or data capture was occurring, nor did I provide consent. This raises concerns regarding unauthorized data collection, customer privacy, and compliance with banking and consumer protection standards. 
This event is part of a broader pattern of account mishandling and staff errors at this location that have required correction and caused financial disruption.

I am requesting that Chase be required to : Provide a written explanation for the refusal to cash a Chase-issued check Disclose its policies regarding wearable technology or recording devices used by branch staff Confirm whether any images, recordings, or data from my transaction were retained or transmitted Address systemic issues at the XXXX, MI branch I am submitting this complaint to seek transparency, corrective action, and assurance of compliance. I reserve all rights available to me under applicable law. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: GA

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
We got a fraudulent charge for {$700.00} for XXXX. We contacted the credit card company right away and they told us it would be fine and they went reverse the charge. We also called XXXX and canceled the payment and the tickets and they also told us that they would do so. Neither of these things happened. The credit card company told us that v said denied our dispute because somebody signed for it or did a fingerprint for it which did not happen. The tickets were purchased from an IP address in the high desert. We do not live there nor do we know anyone who lives there. They used an old address that's not on our account anymore to purchase the tickets and they used my husband 's work email which is not associated with our account. There is no reason why this should have gone through. We have sent them the documentation that they asked for and they still denied it.

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 2026-01-06 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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
A check of {$3100.00} was deposited by using the mobile deposit where you can take a picture of the check and deposit it in my account the check was deposited in my account and then chime closed my account and will not tell me why it was closed and when I asked where the {$3100.00} is they hang up on me. The sent me a refund of XXXX cents but the XXXX is no where to be found

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I would like to remain anonymous because I still bank with Chase and fear retaliation especially since customer service agents have already been extremely rude and stubborn. I applied for a new credit card and an increase on an existing one. I was denied both and they refused to send correspondence. By law, they are required to send correspondence. I deserve to know what's in my credit report and why I was denied. I'm curious to know how many other customers they're leaving in the blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
A debt collection company, Aldous & Associates, is attempting to collect on a debt related to a gym membership that is inaccurate and fraudulent. I do not owe the amount being claimed, and the company has not provided valid documentation proving the debt is legitimate or that they have the legal right to collect it. Despite this, Aldous & Associates has repeatedly contacted me on multiple occasions. 
This conduct violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692d ( harassment ), 1692e ( false or misleading representations ), and 1692g ( failure to provide proper validation ). I have disputed the debt and requested verification, but collection efforts have continued without proper validation. I am requesting that all collection activity cease immediately and that this matter be investigated for unlawful and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I rented a car in XXXX, XXXX using my Chase XXXX XXXX XXXX card ( {$650.00} annual fee ). Upon return, the rental company charged approximately {$3500.00} for alleged damage. I refused to sign any damage acknowledgment. 
I filed a claim with Chase 's card benefits administrator, XXXX XXXXXXXX XXXX XXXX for the rental car damage protection benefit included with my card. They paid approximately {$2900.00} but shortpaid approximately {$600.00}. 
When I called to dispute the shortpayment, the agent acknowledged their error stating the Italian-language documents had been mistranslated, causing the underpayment. The agent instructed me to submit a letter requesting secondary review, which I did immediately. 
Three months later, I have received no response, no payment, and no written explanation. When I call, agents refuse to provide : An itemized breakdown of what was paid vs. denied The specific policy exclusion justifying the denial Any documentation of the secondary review On XX/XX/XXXX, after extended calls, Chase opened Escalations case XXXX and Executive Office case XXXX. A research analyst has been assigned but no resolution has been provided. 
XXXX XXXXXXXX verbally states " we don't pay those charges '' but refuses to identify which charges or cite any policy language. This is a failure to provide required written claim denial documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding SoFi Banks handling of my fraud dispute and failure to provide timely provisional credit. 

My phone was stolen from a bar in XXXX, Ohio on XX/XX/XXXX, and was not returned to me until XX/XX/XXXX. During the time my phone was stolen, multiple unauthorized debit card transactions were made without my permission. I did not authorize these transactions, did not share my PIN, and did not receive any benefit from them.

I reported the fraud to SoFi and filed a dispute, which SoFi confirmed as received on XX/XX/XXXX ( Dispute # XXXX ) for a total of {$100.00}. Despite repeated contacts with customer support, dispute intake, account managers, and escalation teams, I have not received provisional credit and have not received clear communication or timelines. 

I have been repeatedly transferred between departments, disconnected from chats, and given conflicting information. I was told I would receive updates within XXXX business hours, but no updates or emails have been provided. 

This delay has caused serious financial hardship. I have children and these funds are needed for basic necessities such as food. While SoFi provided a small courtesy reward points credit, it does not meaningfully address the loss of funds or hardship caused by the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This people calling while Im at work and late hours including weekendsi just had a XXXX and this situation is not letting me rest to recover is very stressful.

I face it homelessness and Im trying to recover I explain it and waste my time Im so XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: AR

Complaint narrative:
I purchased merchandise from XXXX using my Cash App payment. The order was never delivered, and the merchant can not provide valid proof of delivery ( no GPS drop-off, no photo, no signature ). I filed a dispute in Cash App with all supporting documentation, but Cash App denied the dispute and marked it final even though the item was never received. I already tried contacting the merchant for a refund and was refused. I want a refund to my original payment method because the item was never delivered and the dispute was mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Capitol one XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Account/Reference XXXX To Whom It May Concern, I am writing in response to the account referenced above, which is being reported as an outstanding collection. This account was resolved through a settlement agreement and paid in full on ( date of final payment ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting validation and correction of this account. Please provide : 1. A copy of the original settlement agreement 2. Proof of payment and account closure 3. The date the account was updated as satisfied / settled 4. Your authority to continue reporting this account as owed Because this debt was settled and satisfied, I am requesting that your company : Update the status to Paid Settled / {$0.00} balance, or Remove the collection account from my credit report if you can not validate otherwise Please complete this investigation and respond in writing within 30 days.

I have enclosed copies of my settlement confirmation and payment records for reference. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : Settlement Letter, Proof of Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I placed an order through XXXX XXXX on XX/XX/XXXX, order # XXXX in the amount of {$77.00}. The order was delivered to me on XX/XX/XXXX. I contacted XXXX XXXX customer service by phone on XX/XX/XXXX, and requested a return label because I needed to return the entire order, which was XXXX items. XXXX XXXX emailed me the return label and stated to make sure it was shipped by XX/XX/XXXX. The XXXX tracking number is XXXX. I shipped the package my XXXX on XX/XX/XXXX. The package was delivered on XXXX, XX/XX/XXXX, at XXXX AM and signed for by XXXX. I have repeatedly contacted XXXX XXXX customer service and have continuously given excuses as to why my account has not been credited, and they also continue to give me dates on when it should be credited, but my account has yet to be credited for the {$77.00}. They have also confirmed on multiple occasions that the return has been received. During this process, I still have to make payments on an account that should not have a balance. Comenity Bank manages the credit card for XXXX XXXX and I have been in constant communication with XXXX XXXX and Comenity Bank with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint regarding a late fee assessed to my Capital One account and the handling of my attempt to resolve the issue through customer service. 

The payment at issue was late by one day due solely to the timing of my pay cycle. This was an isolated incident and not part of a pattern of late payments. I contacted Capital One promptly to explain the situation and to request a courtesy waiver of the late fee, which is a common accommodation in cases involving short, first-time delays. 

During the call, the customer service representative stated they could not assist and refused my request to speak with a supervisor or manager. When escalation through normal channels was denied, the interaction became increasingly dismissive and unprofessional. I recorded the call for my own records after it became clear that no escalation would be provided and that the interaction was deteriorating. 

I am not disputing Capital Ones general right to assess fees under its policies. However, I believe the refusal to consider a courtesy waiver for a one-day delay, combined with the refusal to escalate the matter and the discourteous conduct of the representative, reflects unreasonable customer service practices. 

I am requesting : A courtesy waiver of the late fee assessed for this one-day delay. 

Confirmation that my complaint regarding the refusal to escalate and the conduct of the call center representative has been reviewed. 

Written confirmation of the outcome of this complaint. 

I am seeking a fair and reasonable resolution and am submitting this complaint because normal customer service channels did not provide a meaningful opportunity for escalation or review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Synovus Bank
State: CA

Complaint narrative:
I paid my account in full and am owed a refund in the amount of {$2000.00}. Despite full payment, I have not received my refund. 

When I contact Synovus Bank and First Progress, I am instructed to contact XXXX XXXXXXXX XXXX XXXXXXXX XXXX. When I contact XXXX, I am told to contact Synovus Bank and First Progress. Each party denies responsibility, resulting in ongoing delays and no resolution. 

This repeated back-and-forth has caused financial harm and is unreasonable. The payment has been received and acknowledged, yet no party will issue the refund owed to me. I am not disputing the debt it was paid in full I am seeking the return of my money. 

I believe this conduct constitutes unfair and deceptive practices and a failure to properly account for and return consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received an email that I requested a credit card for Sams Club that I did not request

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
b'My name is XXXX XXXX I am requesting my left over amounts to be refunded or mail to me in a check for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX its a vanilla gift I bought for $XXXX  card information is XXXX XXXX XXXX XXXX  and expire date is XXXX and XXXX  is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I had my checking account closed and was not told why, they said they didnt have to give me a reason and that they had a right to close my account anytime they wanted too. So last week friday XX/XX/XXXX i was trying to get cash from the atm and i couldnt so i checked my account to see what teh problem was and seen that i had been rsticted and could get money to feed my family, and i couldnt pay rent or light bill. right now i am struggling with no food, no light and my landlord wants to put me out because i cant pay my rent that was to be paid last week. Also i have been having issues with purchasing items and i would file a dispute and many of times they could never find anything wrong but i was able too. so instead of them doing there jobs they were quick to tell me they couldnt find nothing wrong when many of times i was able to find the problem. Maybe the issue was therer dispute department does want to do there work. they had credited my account but when they couldnt find anything wrong they took the money back from my account causing me to have a negative balance in both my checking accounts. i was able to take care of XXXX of my checking accounts when i got paid last week but was going to take care of teh XXXX checking account on XX/XX/XXXX but before i could do that they closed all my accounts my XXXX checking and XXXX savings account as well as my credit card account. Not sure if this was there reason to close my accounts, but i had a right to know why they did what they did. they could had let me take some moiney from my account before restricting me but they didnt.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
Name : XXXX XXXX Bank : U.S. Bank Account : last XXXX of XXXX Last XXXX of social XXXX Complaint : I am disputing an unauthorized electronic fund transfer under Regulation E. My son is not an authorized user on my U.S. Bank account. I did not give him access to my debit card. He used my card without my permission or knowledge, and I did not receive any benefit from this transaction. U.S. Bank instructed me to resolve this with my son, treating the matter as a family issue. This is incorrect. Authorization is transactionspecific, and this transaction was made without consent, which meets the definition of an unauthorized electronic fund transfer under Regulation E. I am requesting : 1. A proper investigation under Regulation E 2. Provisional credit during the investigation 3. A written explanation citing the regulation relied upon for any denial

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 2026-01-06 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: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received partial payment for a PayPal invoice on XX/XX/XXXX They blocked my account shortly after asking for more information about my account. I uploaded my businesss certificate of authority, a letter from my CPA and other sensitive information about my business. 

On XX/XX/XXXX they emailed me saying that three buyers needed to confirm they received their purchases. I provided more information showing how orders are fulfilled through a digital course product. 

On XX/XX/XXXX they said they needed more information and I called. When I spoke to the customer service rep they did not acknowledge the questions I was asking and seemed to be reading from a script, not acknowledging the subject of my concerns. 

On XX/XX/XXXX they permanently suspended my account with {$610.00} in it

Company response to consumer: Closed with explanation