vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: OH

Complaint narrative:
am filing this complaint against my bank account issued through Chime ( The XXXX XXXX, XXXX. ) regarding a dispute that was improperly denied involving multiple unauthorized transactions. My debit card was stolen, and I reported the issue to my bank as soon as I became aware of the unauthorized activity. After reporting my card as stolen, I also filed disputes for several transactions that I did not authorize. The disputed transactions include, but may not be limited to, the following : XX/XX/year> XXXX XXXX Sent Money {$30.00} XX/XX/year> XXXX ( XXXX ) {$38.00} XX/XX/year> XXXX ( XXXX ) {$38.00} XX/XX/year> XXXX XXXX {$27.00} XX/XX/year> XXXX ( XXXX XXXX ) {$62.00} XX/XX/year> XXXX ( XXXX ) {$31.00} XX/XX/year> XXXX XXXX Sent Money {$50.00} XX/XX/year> XXXX XXXX {$25.00} XX/XX/year> XXXX XXXX {$23.00} XX/XX/year> XXXX XXXX Sent Money {$100.00} These transactions total several XXXX dollars and were not authorized by me at any time. Despite reporting my card as stolen and disputing these charges, my bank completed an investigation and denied all of my disputes on XX/XX/year>. I was not provided with sufficient explanation or evidence showing how these transactions were determined to be authorized. I also submitted supporting documentation during the dispute process, but it appears that my claim was not properly reviewed. The transactions include multiple food delivery services, XXXX XXXX transfers, and other charges that I did not make and did not benefit from. I believe my bank failed to properly investigate these unauthorized transactions as required under federal regulations, including the Electronic Fund Transfer Act ( Regulation E ). Once a card is reported lost or stolen, I should not be held responsible for unauthorized transactions, especially those occurring after the report. I am requesting that the CFPB require the bank to : 1. Reopen and properly investigate my dispute 2. Provide detailed evidence used in denying my claim 3. Refund all unauthorized transactions 4. Ensure compliance with federal consumer protection laws This situation has caused financial hardship and distress, and I am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
my XXXX property tax bill includes significant homeowner credits ( over {$4700.00} total ) .which reduced my tax obligation. My mortgage service recently issued an escrow analysis showing a surplus of {$2600.00}. despitethis surplus. my account is being treated as deliquent.I previously received a foreclosure package. I also attempted to communicate that that these credits would be used toward my obligations. I called more than XXXX times before the due date to push them requesting State assessment department release the tax refund. so as to avoid the possible deliquence.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation/Deletion Demand under 15 U.S.C. 1692g Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I do not recognize this debt or the amount claimed. I am exercising my right to request full validation of this alleged debt. Please provide the following documentation to substantiate your claim : Proof of Liability : A copy of the original signed contract or agreement creating the debt. Chain of Title : Evidence of the assignment or purchase of this debt from the original creditor to Resurgent Capital Services ( or LVNV Funding ), proving you have the legal right to collect. Complete Transaction History : A full itemization of the alleged debt, including the original balance, interest, fees, and any payments made. Verification of Accuracy : Proof that the statute of limitations for legal collection in my state has not expired. Demand for Deletion Be advised that reporting inaccurate or unverified information to credit reporting agencies is a violation of the FCRA. If you can not provide the documentation requested above within 30 days, you must immediately : Cease all collection activity. Delete the tradeline and all associated information from my credit reports ( Equifax, Experian, and TransUnion ). Notice of Cease and Desist Under the FDCPA15 U.S.C. 1692c ( c ), I also request that you restrict all further communication regarding this matter to written correspondence only sent to the address above. Do not contact me by telephone at my home or place of employment. If you fail to comply with these federal requirements, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I may pursue legal action for statutory damages. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Issue Summary JPMCB is furnishing a negative trade line for account ending XXXX even though ( 1 ) they contacted me after a written ceaseanddesist, and ( 2 ) I won a courtordered claim of exemption against JPMCB. Their continued reporting and communication violate federal law and disregard a court order. CeaseandDesist Violation I issued JPMCB a written ceaseanddesist notice. Despite this, JPMCB continued to contact me. This violates : FDCPA 805 ( c ) prohibiting communication after written ceaseanddesist FCRA 623 ( a ) ( 1 ) ( A ) furnishing information they know or should know is inaccurate or misleading A creditor contacting a consumer after a ceaseanddesist is a serious compliance failure. CourtOrdered Claim of Exemption The court granted my claim of exemption against JPMCB. This means JPMCB had no legal right to continue collection activity or to furnish the account as delinquent or collectible. By continuing to report the account ending XXXX negatively after the exemption order, JPMCB is furnishing : Inaccurate information Misleading information Information that is legally unenforceable This violates FCRA 623 ( a ) and Regulation V. Failure to Validate or Investigate I requested validation and correction. JPMCB did not provide : Any contract Any statements Any payment history Any documentation supporting the accuracy of the trade line This violates : FCRA 623 ( a ) ( 8 ) failure to conduct a reasonable investigation 12 CFR 1022.43 failure to review all relevant information Consumer Harm JPMCBs unlawful communication, disregard of a court order, and continued furnishing of unverifiable information have caused ongoing credit harm, increased utilization, and reduced access to credit. Requested Resolution I am requesting immediate deletion of the JPMCB trade line ending XXXX from all credit reporting agencies due to : ( 1 ) postceaseanddesist communication, ( 2 ) violation of a courtordered claim of exemption, and ( 3 ) furnishing inaccurate, incomplete, and nonverifiable information in violation of FCRA 623 and Regulation V. Additional Notes JPMCBs actions show a pattern of noncompliance. The simplest corrective action is deletion of the trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
b'Fraud , identity theft, wire transfer portland OR se powell Blvd vehicles'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent reporting of my Discover account. I previously disputed this account and received a response stating that the information is accurate. However, the response did not address the specific inconsistencies present in the reporting. The attached documentation highlights several issues : Conflicting Account Status The account is reported as Charge Off while also being labeled Paid and Closed, which presents contradictory account conditions. Missing Closure Date The account is indicated as closed, yet no clear Date Closed is provided in the reporting. Payment History Inconsistency The payment history shows a return to current status after a period of delinquency, followed by renewed delinquency leading to charge-off. This sequence requires clarification and verification for accuracy. Repeated Charge-Off Reporting The account reflects continuous monthly charge-off entries across multiple periods rather than a single charge-off event, which may misrepresent the account status and create ongoing negative impact. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report information accurately and completely. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, the furnisher is required to conduct a reasonable investigation and correct any inaccuracies. The response I received did not address these inconsistencies or provide documentation verifying the accuracy of the reporting. I am requesting that Discover : Provide documentation validating the full accuracy and consistency of this account reporting, including payment history and status ; or DELETE THE ACCOUNT FROM ALL CREDIT REPORTING AGENCIES IF IT CAN NOT BE VERIFIED AS FULLY ACCURATE AND COMPLIANT The attached visual evidence clearly outlines the inconsistencies referenced above. Failure to properly investigate, correct, or delete inaccurate reporting may result in further escalation under the Fair Credit Reporting Act. I am seeking a proper investigation and resolution in compliance with federal reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint against Chime regarding a denied unauthorized transaction claim ( Claim ID : XXXX ) totaling {$2900.00}. My debit card was lost, and multiple unauthorized transactions were made through XXXX XXXX from an unknown person account without my knowledge or permission. I did not authorize these transactions, did not share my card information, and did not benefit from these purchases in any way. I reported the issue promptly and fully cooperated with Chimes investigation. However, I received a final determination stating that no error occurred, without being provided sufficient evidence to support this conclusion. Under Regulation E ( Electronic Fund Transfer Act ), financial institutions are required to conduct a reasonable investigation and provide evidence of authorization if a claim is denied. Chime has failed to provide : Proof that I authorized the transactions Any IP address, device information, or authentication details Any evidence showing the transactions were conducted by me Because my card was lost and used fraudulently, I am requesting : A full reinvestigation of my claim ( Claim ID : XXXX ) All documentation and evidence used in the denial decision A refund of the unauthorized transactions totaling {$2900.00} Chimes failure to properly investigate and reimburse unauthorized transactions appears to be a violation of Regulation E consumer protections. I am requesting immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, XXXX XXXX. Capital one. I am filing a complaint regarding a denied dispute for a transaction of {$62.00} with merchant " XXXX XXXX '' dated XX/XX/XXXX. I disputed this charge because I did not receive the expected service/product and requested a refund. The merchant later confirmed they are willing to issue a refund, but stated they are unable to process it because the dispute is being handled by my bank. Despite this, my bank closed the dispute on XX/XX/XXXX, stating that I am responsible for the charge due to a " valid merchant response. '' The bank did not properly consider that the merchant agreed to refund me, which directly contradicts the basis for denying my claim. Additionally, I was given a deadline of XX/XX/XXXX to submit additional documentation, but my case was closed prematurely on XX/XX/XXXX, before that deadline. As a result : - I was charged {$62.00} for a service/product that was not properly delivered. - The merchant is unable to issue a refund due to the dispute process. - The bank has denied my claim without fully reviewing all relevant information. I am requesting that the bank : 1. Reopen and properly review my dispute. 2. Consider the merchants confirmation that a refund is warranted. 3. Credit my account for the disputed amount of {$62.00}. I am prepared to provide supporting documentation, including communication from the merchant confirming their willingness to refund. This situation has left me unfairly responsible for a charge that both I and the merchant agree should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am reporting unauthorized withdrawals from my business bank account. Company Name : XXXX XXXX XXXX ( also referred to as XXXX XXXX if applicable ) On or about XX/XX/year>, an amount of {$930.00} was debited from my business account without my authorization. My bank did not notify me via email of this transaction, I check my account on XX/XX/year> and called my bank Immediately. To take care of this matter. I was told by a Bank of America repersentative. I would be reimburse, but I haven't seen a reimbursement. I have no signed agreement, no contract, and did not provide authorization for this company to access or withdraw funds from my account. I contacted my bank, Bank of America, on XX/XX/year>, and reported this as fraudulent activity. I requested a reversal of the transaction and a full investigation. This appears to be an unauthorized ACH debit and potential fraud. I am concerned that this company may be engaging in deceptive or unauthorized billing practices affecting other small businesses. I am requesting : Investigation into this companys activities Assistance in ensuring my funds are returned Prevention of further unauthorized withdrawals Supporting documentation can be provided upon request. Business Name : XXXX XXXX by XXXX XXXX XXXX Name : XXXX XXXX XXXX Contact Information : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Unauthorized transaction for XXXX that has been disputed 3 times in XXXX and XXXX that has been denied and I provided a police report to state my case but my funds has not been put back on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 2:16 debt Search 212 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I called the apartment complex about the debt. They had an amount of XXXX there was the amount of XXXX on my credit report and Hunter XXXX said they had XXXX. I agreed to pay XXXX plus XXXX credit charge. I paid that amount and they have not furnished my satisfied letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint against American Express regarding a deceptive and misleading application process on the XXXX XXXX XXXX checkout page. On XX/XX/year>, while purchasing a flight ticket for {$800.00} on XXXX 's official website, I was heavily promoted with a welcome offer stating I would receive a {$300.00} statement credit and XXXX bonus miles upon approval. Because I was in a rushed checkout process to secure my airline ticket, any pop-up disclosure stating I was ineligible for the bonus was not clear, unmistakable, or prominent. I proceeded with the strong understanding that the advertised {$300.00} credit and miles would apply. Had I known that no credit or miles would be awarded, I would NEVER have agreed to open this account. Amex customer service has since refused to honor the welcome offer, claiming I accepted a no-reward offer. I feel trapped by this " bait and switch '' tactic during a time-sensitive purchase. I respectfully request American Express to either honor the original offer or provide equivalent goodwill compensation ( such as statement credits or miles ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
I made a wire transfer from XXXX XXXX XXXX Bank of New York, Mellon XXXX Co XXXX. The funds were transferred to XXXX per XXXX XXXX and the receipt account with XXXX XXXX never received. XXXX XXXX reached out to XXXX XXXX XXXX XXXX with no reply. The wire was sent to Routing number XXXX Bank name BANK OF NEW YORK MELLON XXXX CO, NA Account number ending in ... XXXX On XX/XX/XXXX Total {$120.00} XXXX Fed wire number XXXX Confirmation number XXXX When I reached out to BAnk of New York as I was instructed to do by XXXX XXXX they said they can not help me as I am not a client. I just want the {$120.00} returned to my account. Thanks for your attention to this matter XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Charge off : 15 US Code 1681 e 15 US Code 1681 6 15 US Code 1681c2 the full amount owed the debt is considered canceled for the forgiven or discharged I no longer need to pay I request permanently deletion and XXXX XXXX

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing this complaint because my PayPal account XXXX was permanently limited without any specific explanation or violation of the User Agreement. As a user in XXXX, I use this platform for legitimate personal transactions. I have contacted customer support multiple times and only received automated responses stating that the decision is final, without giving me the opportunity to provide documentation to verify my identity or the source of my transactions. I am requesting a manual review of my account by a human agent. I am willing to provide any necessary KYC ( Know Your Customer ) documentation, such as my ID and proof of address, to restore my account 's full functionality. My goal is to continue using PayPal 's services fairly and transparently.

Company response to consumer: Closed with explanation