vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Issue : Debit card dispute improperly denied despite documented proof of counterfeit merchandise I am filing this complaint regarding my banks denial of a debit card dispute involving a charge of {$720.00} for an engagement ring purchased from a business merchant. 

The bank denied my dispute on the basis that the merchant only collected charges for the amount owed for merchandise received. This conclusion is incorrect and reflects a misapplication of federal consumer protection standards. 

The item delivered to me was proven to be counterfeit, and documentation confirming its inauthenticity was provided to the bank. A counterfeit engagement ring is not the item authorized for purchase and constitutes illegal merchandise. Delivery of counterfeit goods does not satisfy delivery of the agreed-upon merchandise and is legally equivalent to non-delivery. 

Under FTC guidance and Regulation Z ( 12 CFR 1026.13 ), a consumer has the right to dispute a transaction when the exact item authorized is not received. Receipt of counterfeit goods constitutes non-delivery of merchandise as agreed, as well as material misrepresentation and failure of consideration. 

Despite being provided with proof that the item was counterfeit, the bank continued to characterize the transaction as valid by asserting that merchandise was received, without addressing the legality or authenticity of the goods delivered. This ignores material facts and improperly shifts liability to the consumer. 

I am requesting that the CFPB require the bank to : XXXX. Reopen and properly reclassify the dispute as non-delivery of authorized merchandise XXXX. Conduct a review by a senior dispute analyst or compliance officer XXXX. Provide a written explanation detailing how counterfeit goods were deemed to satisfy delivery requirements under Regulation Z All supporting documentation proving the item was counterfeit has been retained and is available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
Meridian Financial Services stated in its XX/XX/year> CFPB response that it mailed validation documentation, including the executed contract and account history, in response to my written debt validation request received on XX/XX/year>. 

As of today, XX/XX/year>, no validation packet or documentation has been received at my address. 

Despite this, Meridian continues to report and verify the account with consumer reporting agencies. 

Meridian has failed to provide legally required validation and continues to rely on internal review and furnisher confirmation rather than providing documentation to the consumer. This does not satisfy Fair Credit Reporting Act or Fair Debt Collection Practices Act requirements, particularly where the debt is disputed as inaccurate and not belonging to me. 

The alleged debt arises from a foreign ( XXXX ) timeshare contract, yet Meridian has provided no proof of : Legal enforceability of the foreign contract in the United States Lawful authority or assignment permitting XXXX collection Jurisdiction or governing law allowing reporting to XXXX credit bureaus Identity verification tying the debt to me ( no Social Security number was provided ) Additionally, the balance reported increased from {$7400.00} to {$10000.00} without contractual justification or itemized accounting, rendering the reporting materially inaccurate. 

Meridian verified this account with credit bureaus on XX/XX/year>, prior to completing validation of my written request received on XX/XX/year>, and continues to report the account despite failing to deliver validation as represented. 

I am requesting that the CFPB require Meridian Financial Services to either : Provide proper, complete validation with proof of XXXX enforceability and accurate accounting, or Delete the account from all consumer reporting agencies due to unverifiable and inaccurate 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
ON XX/XX/year>, I received a certified letter from Banco Popular dated XXXX, XXXX  informing me that my savings and checking accounts with Banco Popular, ( XXXX XXXXXXXX ) account XXXX y XXXX, would be closed effective XX/XX/year>. 

At no time was my husband XXXX XXXX XXXX, who is co holder on the account, notified of this decision. 
I requested an explanation from Banco Popular at the surcusal of XXXX, however, they responded that it was a final and unilateral decision. 

On XX/XX/year>, I received another certified letter stating that my accounts would be closed effective XX/XX/year>, along with a check in the account of {$2500.00} payable to XXXX XXXX XXXX XXXX, a person whom I do not know. 
I formally demand a clear explanation as to why Banco Popular has decide to close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like a proper investigation to be done in a timely manner. Ive reached out several times regarding a dispute that I have filed that was not properly investigated. Disputes are not being handled properly by credit bureau.

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
A debt for {$160.00} showed up on my credit report in XXXX of XXXX. The date the account was opened showed as XX/XX/XXXX. Jefferson Capital Systems is the debt collector. I believe this was for XXXX debt created in XXXX. So I disputed it with Transunion and they told me everything was correct. I did not create any debt in XXXX of XXXX that I am not currently paying on time for. 

I called JCS and recorded the call. I input my social security number and it stated I have no records that can be found under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX. The vehicle was advertised and agreed upon at a price of {$66000.00}. 

During the finance process, a product called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX administered by XXXX XXXX XXXX protective asset protection ) was added to the deal, increasing the final purchase price to approximately {$69000.00} ( almost XXXX! ) I was explicitly told by the XXXX XXXX that the vehicle could not be sold without this protection package, and that it was mandatory to complete the purchase. I was not given a fair opportunity to review the contract in full, and I was pressured to sign in order to complete the transaction. 

After the purchase, I reviewed the contract language and discovered that the agreement explicitly states : Purchase of this contract is not required to purchase or finance a vehicle.

This directly contradicts what I was told by the dealerships XXXX department and confirms that the product was not mandatory, meaning I was misled and coerced into purchasing it. 

This constitutes : Material misrepresentation Tied-selling Deceptive sales practices Coercive contracting Unfair and deceptive trade practices The price of the vehicle was artificially inflated through the forced addition of a non-required product, despite written contract language stating it was optional. 

This conduct occurred at : XXXX of XXXX XXXX and involves the third-party provider XXXX XXXX XXXX XXXX protective asset protection ) I believe this practice violates state consumer protection laws governing unfair and deceptive acts and practices, and constitutes unlawful tied-selling and misrepresentation during a consumer financial transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I made a few XXXX transfers between my accounts at Truist and XXXX XXXX  like I normally do. Never had issues doing this in the past. 
However, this time, the payments didnt go through and got flagged as fraud. Within XXXX minutes I got locked out of the online account and noticed my debit card no longer working with Truist. 
I called in, and they informed me that my account was being closed effective immediately and that the only information they could give me is that a correspondence would be mailed to me in XXXX business days. 
I get paid XXXX XXXX XXXX  on the XXXX XXXX of the month, so this literally happened the day before pay day. Because of that, it was far too late to change my direct deposit location, as the state is very slow to update those things, definitely not doable in just a day. 
So now Im XXXX  out of being able to pay my bills on time this month because I have to wait for a paper check to be mailed to me and I have to wait to receive the rest of my money from Truist. Along with the tax return that will take much longer to receive as it was supposed to deposit into the Truist account. 
So yeah, NOBODY should do business with Truist as they are super shady and will close your account for literally no reason at a moments notice. I wont even be able to buy groceries for a week or two because of this issue on THEIR end. There was nothing fraudulent about the XXXX payments that Ive been making multiple times a month. Makes absolutely zero sense that a payment. From another account in my name gets marked as fraud. Absolute joke of a bank.

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: TN

Complaint narrative:
I have reached out to kickoff lending through email. They have no phone number to contact him. Ask them for the documentation showing to where I owe the balance for the service of a charge card for {$500.00}. I never received a card. It was a reserve that was supposed to help my credit and I was set to make monthly payments and at the XXXX XXXX XXXX XXXX I will receive the balance back. I ran into financial trouble so I was unable to make the payments. I contacted them trying to pay the {$32.00} balance that they said I owe I would like to know if I pay the balance will they remove this off of my credit report or will they refund me the money that I have already paid into this Account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Amount XXXX  was {$3500.00} and attempted to collect {$5000.00}

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 2026-01-30 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

Complaint narrative:
Since XX/XX/year>, I have been subjected to a repetitive and harassing " Verification Loop '' on my account. Despite successfully providing my XXXX XXXX and completing biometric face scans on XXXX separate occasions, PayPal 's automated systems continue to place permanent limitations on my account immediately after " verifying '' my identity. I am currently denied access to my funds ( XXXX and {$35.00} USD ). 

I have engaged with PayPal 's Global Customer Complaints & Advocacy team ( Ref : XXXX ), who issued a " Final Response '' refusing to override the limitation or provide a transparent reason for the ban, citing " confidential criteria. '' This is a systemic failure of their XXXX  procedures. I have already initiated formal complaints with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX PayPal is holding my money hostage despite my full compliance with all identity verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My personal credit was used by these creditor without my consent to obtain credit cards and has placed numerous inquiries on my credit report causing significant lowering of my score and credit cards to be obtained and used to create fraudulent transactions. This was done fraudulently and without my consent the following companies and dates are as followed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i have contacted each of them companies informed them that these account are opened fraudulently as I'm covered under FDIC guidelines nothing was done except continue to get harassing calls about payment for something that im not responsible for no investigation or anything was done to follow up on any of this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was misled by Chime 's deceptive offer, stating they would give me a {$300.00} sign up bonus after opening a new checking account and setting up direct deposit within XXXX  days. I met all of those requirements but they are saying my account does not qualify. And they aren't able to dispute my claims or provide a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was contacted by XXXX XXXX  about a PayPal transaction being made and asking to confirm i made this transaction. I have not used PayPal and confirmed i did NOT make a PayPal transaction. I was advised in order to cancel the transaction i would need to input a cancellation code and type in XXXX in the note. I then noticed my credit card was charged for {$1900.00}. I did NOT authorize this charge. I tried filing a dispute with PayPal and they came back saying i did authorize this charge when i DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
Dear Preferred Credit Representative, I am writing to respectfully request a reconsideration regarding the late payments reported on my account with Preferred Credit.

I would like to emphasize that this account has been paid in full and currently carries a XXXX balance. My intention has always been to meet my financial obligations responsibly, and the late payments reported do not reflect my usual credit behavior, but rather an isolated situation.I also requested that this be documented in the account notes for future reference. 
On the day prior to this letter, at approximately XXXX XXXX, I contacted your customer service department once again, as I have done on previous occasions, to request a goodwill adjustment for the late payments. Unfortunately, I was informed that assistance could not be provided. However, I believe it is important to formally submit this request in writing so it may be reviewed again.

I respectfully ask that you consider removing or adjusting the reported late payments as a gesture of goodwill, taking into account that the account has been paid in full and that I am actively working to maintain a positive and responsible credit history.

Thank you in advance for your time and consideration. I would greatly appreciate your review of this request. Please feel free to contact me should you need any additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: MO

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 explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I took a cashiers check to Bank of America to deposit into my account in order to pay down my credit card. The teller took my credit card and drivers license and then deposited the check ( XXXX ) into someone elses account with the same name as me. When I went to the bank to straighten it out they told me it would take XXXXto XXXX days to get my money back.

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 2026-01-30 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: OH

Complaint narrative:
On XX/XX/XXXX I purchased tickets for a venue. The venue denied entry and said to dispute through my bank. On XX/XX/XXXX, I filed a dispute with my bank and provided the proper documentation. Their policy is is a dispute takes XXXX business days, they issue a credit. I called XX/XX/XXXX ( XXXX  days have passed at this point ) and requested an update or the credit. The supervisor proceeded to disagree with their policy, refused to offer a credit and then hung up on me in the middle of me speaking and requesting her information for documentation reasons. The merchant after speaking with them stated that the bank has not even attempted to reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: LA

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