vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My transactions are being changed around and they have been using math tactics to try and verify the missing money, they take an old transaction and use it with a new one, putting two sometimes 3 transactions into one and if I dispute one they credit me the same time they debit me and say I recieved at credit leaving the first transaction still open and the new one closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Research Inc
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Date : XX/XX/year> Credit Reporting Agency ( XXXX XXXX XXXX XXXX XXXX XXXX RE : DEMAND FOR DELETION IMPOSSIBLE PAYMENT HISTORY REPORTING To Whom It May Concern, This letter serves as a formal demand for deletion of inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I am disputing the reporting of a 90-day delinquency for XX/XX/year> and XX/XX/year> on the following account : Account Name : CRI / XXXX XXXX XXXX Account Number : XXXX Your agency is currently reporting that the account was 90 days late in XX/XX/year> and again in XX/XX/year>. However, the payment history reflected on the account demonstrates that this reporting is logically and chronologically impossible. The account history shows : XX/XX/year> Account reported as current/on time XX/XX/year> Payment has not yet reached the due date Yet your agency reports 90 days delinquent for XX/XX/year> An account can not be current in XXXX and then become 90 days delinquent in XXXX, especially when the XXXX payment has not yet become due. This reporting contradicts basic payment chronology and demonstrates that the information being furnished is inaccurate. Under FCRA 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting a delinquency that is chronologically impossible is clear evidence that reasonable procedures were not followed. Furthermore, under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information. To date, no competent documentary evidence has been provided demonstrating that a legitimate 90-day delinquency occurred. If your agency can not produce documentation showing : The complete account payment history The account ledger with due dates and payment dates Proof that the account was legitimately 90 days delinquent then the inaccurate information must be deleted immediately pursuant to FCRA 611 ( a ) ( 5 ) ( A ). Because the reporting timeline is mathematically impossible and no proper validation has been provided, I am demanding the immediate deletion of the false 90-day delinquency reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
Roundpoint mortgage has failed to send me an insurance check within a reasonable timeframe. They acknowledged receiving my check with packet containing all required information on XX/XX/XXXX and have a policy to send the check 5-7 business days later. I've attempted to get confirmation on when the check will be sent and have been unable to get a date on when the check will be sent. I am requesting the check for {$40000.00} be sent overnight to my address. If the check is not received to my home address by XXXX XXXX at the absolute latest my repair schedule will be unachievable and we will incur additional lodging expenses. Thank you for your time and assistance. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am filing this complaint regarding the handling of a fraud claim by my bank, Bank of America, involving unauthorized electronic transactions totaling {$2100.00}. Between XX/XX/XXXX and XX/XX/XXXX, multiple unauthorized transactions totaling {$2100.00} were processed from my bank account through the online gambling platform XXXX. I did not authorize these transactions and had no knowledge that they were occurring at the time. The only reason I became aware of the issue was because I received notifications requesting verification of two XXXX transactions in the amounts of {$100.00} and {$40.00}. After receiving these alerts, I immediately contacted Bank of America to report fraud. During the phone call in which I reported the fraud on XX/XX/XXXX, the Bank of America representative instructed me to log into my XXXX account while on the phone so that I could check for any account activity. I followed the representatives instructions and logged into the account solely for the purpose of assisting with the fraud report. Bank of America later denied my fraud claim and determined that I am liable for the {$2100.00} in unauthorized transactions. The reasons given for the denial were that I had previously used XXXX as a merchant and that a login was recorded on XX/XX/XXXX. This conclusion is incorrect and does not reflect the actual circumstances. My last voluntary login and deposit to XXXX occurred on XX/XX/XXXX. The XX/XX/XXXX login referenced by the bank occurred only because the Bank of America representative instructed me to log in while filing the fraud claim. This login occurred after the fraudulent transactions had already taken place. Additionally, I purchased a new phone in XX/XX/XXXX, and the XXXX application was not installed on that device at the time the fraudulent transactions occurred. Despite providing this information and documentation, Bank of America closed the investigation and held me liable for the charges. Prior use of a merchant should not be considered authorization for new transactions, particularly when there is evidence that the account activity occurre

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Around XX/XX/XXXXXXXX XXXX XXXX I received a letter from American Express Fraud Department, asking me if it was me that reested a signature loan for {$3500.00}. I immediatelly called them and denied any knowledge of this loan application. It took several calls that day. And I ended up closing the account. On XXXX XXXX XXXX I received an email from AMEX that my last credit card payment was returned do to unsufficient funds. When I visited their webpage, I found a returned check statement for {$25.00}, and a bank account number attached to my account, that I did not recognize! Neither the bank nor the account was mine. I payed the outstanding balance via telephone. When I wanted to talk to the fraud department, I was denied, with the excuse this was not fraud!? I hung up and called back directly to the fraud division and explained the issue, anf that the account was most likely hacked, and the hacker put his account number into my account to receive payments. They flat out denied, that they ever send me a letter, and stated there was no loan or loan application! When I asked them how the linked payment account and bank had been changed on my creditcard, they had no answer, nor were they interested to persue it! They also claimed they had no record of my prior calls about the signature loan! This is all highly suspicious and irregular. Amex not only isn't protecting my account they are denying obvious fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
This company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate information is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
So, I recently opened a credit card with Concora Credit Indigo about 3 months ago. For the first month I paid my credit on time, and the credit reset the next day almost immediately. The past two months I have been either paying on time or paying earlier. So, I'm essentially never late on payment. However, I have been put at credit holds for the past two months and I can't seem to get an explanation why. Every time I call customer service and ask why that keeps happening, they just tell me about the date in which the hold be released. One month it was the XXXX and now this month I'm on credit hold till the XXXX. They also they have to do this in order to verify the funds. The funny thing is the credit would reset after I pay and it says XXXX available but then it gets taken away. They offer me no reason as to why this is happening so I can avoid these situations in the future. They essentially take my money and keep on hold for essentially two weeks. Which is absolutely ridiculous given the fact that I have things to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX from XXXX for {$740.00} using my Cash App card. The device was defective upon arrival, so I initiated a return through the merchant 's official process.I shipped the return via XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX. According to the XXXX Proof of Delivery, the package weighed XXXX LBS and was successfully delivered to the merchant 's XXXX XXXX XXXX XXXXXXXX, NV, on XX/XX/XXXX, at XXXX XXXX .. I disputed the charge with Cash App, but they denied my claim, citing a '60-day rule ' in their Terms of Service. However, this is a 'Credit Not Processed ' dispute for a returned item, and I have provided conclusive proof that the merchant is in possession of both my funds and the merchandise. Cash App 's failure to conduct a reasonable investigation into this proof is a violation of the XX/XX/XXXX CFPB Consent Order ( XXXX ) against Block , Inc . I am requesting a full refund of {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: IL

Complaint narrative:
I was bombarded with mail, phone calls from BHG to get a loan advertised on XXXX XXXX for XXXX and professionals to help with debt. And this was after I went through the XXXX crisis as a XXXX. My husband lost his job during that time and I needed extra money. I felt the loan was rushed through. I felt pressure to sign the papers, " to get the best rate ''. All the signing was done online with quick scrolling through and signing the Xs. I never received a copy of the loan papers. I have now asked for them and am waiting to see if they send them to me. I have complained to them in regard to the high monthly payment and the incredible amount of interest I was being charged. I had no idea it would be that much. Plus, I live in Illinois and BHG is not allowed to give personal loans in Illinois. Here are the loan details I have. Net Loan Proceeds {$52000.00} / Monthly Payment {$1100.00} / 84 month term / 17.99 % Fixed interest rate / 19.41 % Annual Percentage rate / XX/XX/year> Fund Date/ Allow Partial Pre-Payment/ {$54000.00} Total Financed Amount ( includes origination fee )/ I dealt with XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX NY XXXX. Main # XXXX XXXX # XXXX bhgfinancial.com. I have made 46 payments = XXXX I have a copy of the Amortization schedule which I can send or upload. Loan details are application # XXXX XXXX XXXX. If I make all the payments, I will pay {$95000.00} total. The interest amount will be {$41000.00} and principal {$54000.00}. I feel the interest is excessive. I am XXXX and need to retire as soon I can due to health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: WA

Complaint narrative:
They called the phone line at my work that is public, it was answered by my supervisor, and they failed to verify me before asking about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent my son {$3700.00} on an old Cash App account which was by mistake. I also earlier that day sent my son, XXXX XXXX a {$100.00} transaction on same account. Both showed completed. Later that evening I notified my son I had sent the money for him and he was paying the property taxes on my parents home. He said he never received any money. Thats when we realized I had sent it to his old account that he couldnt get into. He said cancel but I knew it was saying completed already. So I contacted CashApp and explained the situation. Thats when they confirmed my son would need to be the one to contact them. XXXX stayed on the phone, for several days, trying to resolve getting back in old account, then was told unfortunately they couldnt grant access to open the old account. He was told to inform me to just file a dispute. Which I did and Cash App denied the dispute. Now during this time it still shows transactions complete until dispute was denied then it showed declined out by transaction. Im not understanding how if it was declined why wasnt the money sent back to my account. So now we have this issue of my money on my sons old account, access to get him in the old account was turned down, my dispute denied and all I was told was they cant refund the amount due to myself or someone with access on my account granted the transactions. Im asking to have my money sent back to my account or tell me why their keeping it in the system somewhere. This money was for my parents taxes on property and could result in selling of their home if not paid. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: MI

Complaint narrative:
I was paying through payment plan since XXXX.with XXXX.The debt agency merged with another company and I was not notified.called Revco. They said I entered a payment agreement in XXXX of XXXX with the new company Revco which I did not. I asked for a letter to be mailed stating the original creditor and amount which I was denied. I am also disputing amount which all I asked was to send me verification of that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX. Now with LVNV Funding LLC Account # XXXX Date Opened : XX/XX/year> Debt Buyer Collection amount : past due {$840.00} This action is a fraud as I do not live in Texas and was never made aware of this. This is already affecting my credit and need this to be resovled and off my credit report for XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied for the XXXX XXXX XXXX Credit Card issued by Chase after seeing a promotion offering five free night awards as a sign-up bonus after meeting the required spending threshold. This promotional offer was a major factor in my decision to apply for the card. After being approved and using the card, I contacted Chase regarding the bonus. I was then informed that my account was not enrolled in the 5 Free Night Awards promotion and that I had apparently applied through a different offer. I do not believe this is accurate. At the time I applied, the 5-free-night promotion was the offer being advertised and promoted, and that is the promotion I intended to sign up for. Chase has stated that because their system does not show that promotion attached to my account, they will not honor it. However, I was never clearly informed that I was applying under a different promotion, and I believe the marketing and application process was misleading. The 5 Free Night Awards promotion was a significant incentive associated with the card, and without that offer I likely would not have applied. I am requesting that Chase review the marketing and application process used when I applied and honor the 5 Free Night Awards promotion that was being advertised at the time. I believe consumers should be able to rely on the promotional offers being advertised when they apply for a credit card, and the current response from Chase appears inconsistent with those expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX, I experienced more than 10 XXXXrelated fraud/unauthorized purchase incidents connected to my Chase account activity. I reported these incidents to Chase and requested that Chase investigate each event. I later received a letter dated XX/XX/XXXX from Chase ( Overdraft Collections ) demanding payment of a past-due balance of {$540.00}. Because there were multiple fraud incidents ( 10+ ), I contacted Chase multiple times ( approximately 45 calls ) and requested the complete investigation file and documentation for all XXXX fraud reports from XXXX, not just a single case. I requested, for each fraud report/case : The dispute/claim case number and full timeline ( opened date, closed date, decision date, and status history ) Transaction-level details ( transaction date, posted date, amount, merchant descriptor ) and how Chase validated the transaction ( s ) The specific mapping of each disputed transaction to the corresponding XXXX purchase/order ( and any identifiers Chase relied on ) The decision rationale and any reason codes ( why Chase approved/denied each claim ) Copies of all evidence reviewed or relied on ( merchant/XXXX response, supporting documents, internal notes if available ) An itemized breakdown showing how the {$540.00} balance was calculated ( transactions, overdraft items, fees, dates ) and how it relates to the disputed activity The appeal/reconsideration process and deadlines for submitting supporting documentation Despite repeated requests, Chase has not provided the full investigation documentation for these multiple fraud incidents or a clear written explanation that allows me to verify the decisions and the amount being demanded. Chase is requesting payment, but without the investigation files and transaction mapping, I can not meaningfully confirm the validity of the claim ( s ) or challenge errors. I am asking CFPB to require Chase to provide : The complete written investigation files and evidence for all XXXX fraud reports from XXXX ( 10+ incidents ) A full transaction-level mapping and decision rationale for each case A complete itemized ledger explaining the {$540.00} balance Clear appeal/review instructions Confirmation that collections and negative reporting are paused while this documentation request and dispute are under review

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I paid my credit card on the due date but past XXXX. They charged me {$30.00} late fee plus interest plus a charge for the paper statement. I asked for a one-time courtesy & they said they could only give me a max amount of {$15.00} & could not reimburse the other XXXX fees. That is ridiculous! I tried to cancel the card & they said they would not be able to reimburse anything if I do that AND I have to keep it open for XXXX months to get the reimbursement. Ive never had this happen with any credit card Ive ever had before. Thank you

Company response to consumer: Closed with monetary relief