vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquires : XXXX XXXX XXXX, XXXX XX/XX/year> XXXX : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> Mentioned stated inquires and accounts are acts of fraudulent activity which I don't recognize. Please remove them from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: MI

Complaint narrative:
Chime will not listen to me and see that im in the XXXX during these charges they say im at XXXX 's and XXXX XXXX XXXX and XXXX XXXX when im in the XXXX I have more images and paper work from the XXXX showing what time the tests where taken from the morning of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management , LLC is illegally charging {$160.00} in LATE PAYMENT FEES. The amount as far as I know is {$270.00}. I'm victimized by XXXX XXXX XXXX 's fraud and trying to sell what they advertised as WiFi {$30.00} a month. The seller was XXXX XXXX XXXX, XXXX. Later, turns out to be XXXXXXXX XXXX XXXX and what appears to be a fraud. On XX/XX/year>, I received merchandise from XXXX XXXX XXXX. It happened to be XXXX which I tried to return to XXXX but did not accept that equipment. I dropped the XXXX at their XXXX XXXX XXXX located at, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, phone : ( XXXX ) XXXX. I never used their XXXX ; in fact, I had that same problem before with their XXXX, but the CEO assistant was able to refund my money. I DO NOT OWE ANY LATE PAYMENT PENALTY FEES, or what-so-ever to XXXX XXXX XXXX and has no right to harass me with delinquency or LATE PAYMENT PENALTY FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reached out to file a dispute, and a claim was created for these three transactions oXXXX XXXX These were scammed authorizations - merchant did not deliver goods and I did not receive any items in connection to these transactions.\n\nI submitted documentation to support my position and experience. My claim was quickly declined the same day. I've filed with FTC, FBI (IC3), and local authorities. They all pointed back to my bank needing to investigate and credit back my account.\n\nI've been a customer for nearly 30 years and never complained... I'm really shocked by the level of swift dismissal I'm experiencing."

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 — Damage caused or loss of personal items in vehicle during the actual repossession
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XXXX, my XXXX XXXX F-Pace ( AWD ) was repossessed by XXXX Recovery, an agent for PNC Bank XXXX Upon pickup at the recovery lot ( XXXX XXXX XXXX ), I discovered significant front-end damage and mechanical issues not present prior to recovery. I immediately involved local police, who documented the damage and issued Police XXXX XXXX XXXX. The recovery companys own " XXXX XXXX Report '' did not note any pre-existing damage, yet a professional repair estimate from XXXX XXXX has now identified {$7600.00} in necessary repairs, including a broken headlamp and critical safety sensor damage. Furthermore, an official XXXX Pre-Scan Diagnostic Report ( Test Date : XXXX ) has confirmed " Permanent '' electronic faults in the XXXX XXXX XXXX XXXX and the AWD Transfer Case, rendering the vehicle legally and mechanically inoperable and unsafe XXXX XXXX. Despite admitting liability and approving a $ XXXX " Loss of Use '' rate, PNC Banks XXXX ( PAR XXXX XXXX XXXX and the recovery agent have refused to provide an advance payment or direct-bill rental for my family. This has caused extreme hardship as we have a newborn infant and XXXX other children currently stranded without safe transportation. As of today, the vehicle has been inoperable for XXXX days, totaling {$1700.00} in accrued Loss of XXXX debt that the company refuses to pay upfront. I am seeking immediate payment of the accrued {$1700.00} and authorization for all safety-critical repairs and ADAS calibrations to restore the vehicle to its pre-loss condition.

Company response to consumer: Closed with monetary relief
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: CA

Complaint narrative:
From XX/XX/year> to XX/XX/year> I had multiple transactions that I NEVER authorized taken from my Chase Bank account to my XXXX XXXX account to my XXXX account and then sent to other parties that I did not authorize. The banks are all saying it's my fault. I reported fraud to each bank and all claims were denied. The same transactions were still trying to be made from these banks after I called and filled a claim with all of them to present day which is XX/XX/XXXX now. How can I be denied when after I filled these claims with these banks that the unauthorized transactions are still trying to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding a vehicle loan originated on XX/XX/year> through XXXX XXXX XXXX ( XXXX, TX ) and financed by Synchrony Bank. Prior to purchase, I had already been approved through XXXX XXXX at a significantly lower promotional rate. I informed XXXX XXXX XXXX of this and stated I wanted XXXX promotional financing ( approximately 2.9 % XXXX ). I also asked multiple times if both XXXX XXXX could be financed together through XXXX on a single loan, and the dealership confirmed that this would be done especially with such good credit XXXX Based on those representations, I proceeded with purchasing two XXXX XXXX XXXX from this dealership. I relied on these statements when deciding to move forward with the purchase. I was then rushed through the paperwork and was not clearly informed of : The actual lender ( Synchrony Bank ) The APR ( 12.24 % ) The loan term ( 72 months ) After signing, I discovered the loan terms were materially different from what had been represented. In addition, multiple add-on products were included in the loan without clear explanation or informed consent, including : Riders Advantage service contract : {$2200.00} Lifetime battery coverage : {$820.00} These products were financed into the total amount of {$15000.00}, significantly increasing the total cost. They were not clearly disclosed as optional and their impact on the loan was not explained. I believe this constitutes : Misrepresentation of financing terms Failure to properly disclose loan details prior to signing Inclusion of add-on products without informed consent

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: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am resubmitting this complaint because I am not satisfied with Citis response, and the issue remains unresolved. My account is still restricted, and I am unable to use my credit card. Citis response did not adequately address the hardship, lack of communication, or conflicting information I experienced while attempting to resolve access to my account. Citi claims that a letter was mailed to me ; however : I never received the letter Citi did not provide proof of mailing or delivery Citi did not provide a copy of the letter or its contents Citi was able to send a written response regarding this issue, which demonstrates that they had the ability to communicate electronically. Despite this, Citi failed to provide the actual letter or required verification information by email or secure message, resulting in unnecessary delays and financial hardship. On XX/XX/year>, at approximately XXXXXXXX XXXX XXXXXXXX XXXX, I contacted Citis fraud department again and spoke with a representative identified as XXXX. She refused to provide a last name or employee identification number. During this call : XXXX stated she would email me a copy of the letter ; I have not received it She stated that the reference number and letter were mailed and emailed on XX/XX/year> This directly contradicts Citis written response, which states that the letter was mailed on XX/XX/year>. These inconsistencies raise serious concerns about the accuracy of Citis statements and whether proper notice was ever provided. Citis response does not resolve my complaint because : It does not explain why I never received the alleged letter It does not provide proof that the letter was sent or delivered It does not explain why electronic communication was not used sooner It does not address the conflicting information provided by Citi representatives It does not restore access to my account As of today, I remain unable to use my card, and this issue continues to cause financial hardship.

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for incorrectly maintaining a fraud/restriction flag on my identity. I previously had an account that was closed and the outstanding balance has since been paid in full. When attempting to reestablish membership, I was denied due to a fraud designation that appears to stem from confusion between myself and my twin brother. We are two separate individuals with different Social Security numbers. I have submitted documentation multiple times verifying this, yet Navy Federal has continued to deny my requests without providing a meaningful explanation. This appears to be a case of identity misclassification. Despite my compliance and documentation, I have not been given a fair or transparent review. I am requesting : * Immediate manual re-investigation of the fraud designation * Removal of any incorrect fraud or restriction flags * Written explanation of the decision * Disclosure of any reporting to third-party agencies such as XXXX XXXX XXXX XXXX XXXX I believe this situation reflects an error in identity verification that is negatively impacting my ability to access financial services. I request a prompt and thorough resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, a {$3900.00} transaction was made through my PayPal account to XXXX without my authorization. I did not make this purchase, did not receive or accept any tickets, and did not benefit from this transaction. No tickets appear in my XXXX account. I reported the transaction to PayPal, but they denied my claim stating there was no unauthorized use. I appealed multiple times and received the same response. I also reported the transaction to my bank ( XXXX XXXX XXXX ), which opened a Regulation E fraud investigation and issued provisional credit. I requested proof from PayPal and the merchant showing authorization and delivery, including IP address, device, and account details, but this information was not provided. PayPal is now holding me responsible by placing a negative balance on my account despite this being an unauthorized transaction. I am requesting that PayPal conduct a proper investigation and remove the negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding a dispute I submitted with Bank of America concerning a charge of {$1600.00} from XXXX following a traffic accident in XXXX. Bank of America denied my dispute twice, even after I submitted official police documentation and supporting evidence. I believe this decision was made without properly considering the facts of the case. According to the official XXXX police report, the accident was caused by a fifth unidentified vehicle that fled the scene ( hit-and-run ). This vehicle initiated a chain collision. My rental vehicle was not the originating cause of the accident and was impacted as a result of this sequence. The report clearly states that : A vehicle fled the scene without providing identification This fleeing vehicle caused the chain reaction collision My vehicle was not responsible for initiating the accident Despite this, XXXX charged me for damages that should instead be pursued through the responsible third party or applicable insurance channels. My dispute is not about refusing a legitimate charge, but about the misallocation of liability. I am being held financially responsible for damages that I did not cause. Bank of America failed to properly evaluate the evidence provided, including the official police report, and instead relied solely on the merchants claim. This represents an inadequate investigation and an unfair billing determination.

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: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I recieved an email from XXXX ( Transworld Systems ) attempting to collect a debt ( their account # XXXX ) from XXXX for XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX, VA. This person isn't me and I'm rather sure it is illegal to send the complete debt information to a random person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Monarch Recovery Management , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Phone : XXXX Website : www.monarchrm.com XXXX XXXX ( original creditor ) Account / Debt Details Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Monarch Reference # : XXXX Amount claimed : {$1100.00} Please be advised that I am not a third party. This complaint is being submitted directly by the consumer with full rights under the Fair Debt Collection Practices Act ( FDCPA ) and all applicable federal and state laws. I am filing this complaint against MONARCH RECOVERY MANAGEMENT, INC. ( a debt collector ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and potential violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I received an initial collection notice from MONARCH RECOVERY MANAGEMENT, INC. claiming I owed XXXX XXXX {$1100.00} on account number ending in XXXX ( MONARCH Reference # XXXX ). A true and correct copy of this notice is attached. On XX/XX/XXXX, I timely sent MONARCH a detailed Validation of Debt Request / Notice of Dispute via Certified Mail, Return Receipt Requested. In that letter I expressly disputed the debt and demanded full validation pursuant to 15 U.S.C. 1692g. Among the specific items I required were : The agreement granting MONARCH authority to collect Any signed agreement or verifiable proof of my contractual obligation ALL STATEMENTS WHILE THIS ACCOUNT WAS OPEN ( 3rd Party Statements from the original creditor, XXXX XXXX ) Proof of assignment or purchase of the debt And all other documentation listed in the letter I also demanded that all collection activity CEASE AND DESIST until proper validation was provided. Proof of mailing, delivery, and signed return receipts is attached. More than four months later ( as of XX/XX/XXXX ), MONARCH has provided ZERO response and ZERO validation. They have completely failed to produce any of the requested documents most notably the Statements ( original XXXX XXXX account statements ) that were explicitly demanded. They have also failed to provide any proof of ownership, assignment, or my alleged contractual obligation. As a direct result of this failure : MONARCH has violated FDCPA 1692g ( b ) by continuing ( or attempting to continue ) collection activity on an unvalidated debt. Any negative reporting of this unvalidated debt to XXXX XXXX XXXX XXXX violates both the FDCPA and the FCRA. I continue to suffer credit damage, emotional distress, and improper collection harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DISPUTE THE COLLECTION ACCOUNTS REPORTED ON MY CREDIT FILE AS THEY DO NOT BELONG TO ME AND I DID NOT AUTHORIZE OR PARTICIPATE IN THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I initially called Citi cards in order get information regarding my XXXX XXXX credit card. The representative tried selling me a new card called the XXXX XXXX. The representative failed to disclose that my card would no longer be an XXXX XXXX card. In addition, I asked the representative how many times will this card permit us to use the XXXX XXXX XXXX XXXX in the XXXX. This was an important feature for me. The representative said the XXXX cards offer the same number of visits to the admiral club which is untrue. In addition, we lose our American airline loyalty points. I repeatedly asked on the phone call what features am I losing and they said we were gaining features. They would not answer my question. They misrepresented the XXXX XXXX card so I would switch. Once I received the new card and saw it was no longer an XXXX XXXX card, I called citi cards immediately. I called the credit card company on XX/XX/XXXX and XX/XX/XXXX trying to resolve this issue and speak to a XXXX. Citi is refusing to convert my credit card back to the XXXX XXXX card even though their representative misrepresented the features of the card. This is a Fair Credit Reporting Act Violation. They will not give me my original credit card back without me applying for a new credit card.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: M&T BANK CORPORATION
State: ME

Complaint narrative:
After my card details were stolen and an unauthorized transfer was attempted, I canceled my debit card and ordered a new one ( XXXX ). On the call, I was told I would receive my card within XXXX business days. Once 7 days had passed, I went to a branch in person on multiple occasions to inform staff that I had still not received it. After XXXX weeks, I had still not received my card, and I called M & T Bank to figure out what the problem was. They told me they would immediately send out a new card with expedited shipping, and I should receive it within XXXX business days. As of now, it has XXXX business days since I reordered a debit card, and I still have not received 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 monetary relief