vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Subject : Rebuttal to CFPB Response Account Ending XXXX Complaint ID XXXX I respectfully dispute American Expresss determination and request reconsideration based on incomplete disclosure, misleading representations, and unfair credit reporting practices. 
While American Express asserts that the delinquency reporting was accurate, accuracy alone does not resolve whether the reporting was fair, properly disclosed, or compliant with consumer protection standards. 
I entered a formal payment plan in XX/XX/year> in good faith, reasonably believingbased on XXXX representationsthat compliance with the plan would prevent negative credit consequences. At no point was it clearly XXXX  conspicuously disclosed that : XXXX XXXX payments would remain required outside the payment plan amount, or XXXX payments would continue XXXX  be reported despite plan compliance. 
In the companys response, American Express has acknowledged that its representatives provided incorrect information regarding the cause of delinquency reporting XXXX  failed XXXX  meet service standards. This admission confirms that I relied on materially misleading information, which directly impacted my credit standing. 
Given my consistent payments, good-faith participation in a hardship plan, and the admitted service failures by American Express XXXX XXXX respectfully request : XXXX. Removal of the reported delinquencies from XXXX 2025 as a goodwill and corrective action, or XXXX. Reclassification of the account during the payment plan period as current or paid as agreed. 
I request CFPB reconsider this matter under UDAAP standards and the principles of fair and transparent consumer treatment. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I sent a {$500.00} XXXX payment that went to the wrong recipient. The recipient, XXXX XXXX, did not want to return the funds through XXXX because we do not know each other and requested that Bank of America handle the return directly due to prior scam experiences. 

Bank of America confirmed under claim number XXXX that the incorrect recipients account was debited {$500.00} on XX/XX/year> and that the funds were credited back to the sending bank account using an internal return process rather than XXXX. 

I do not have an account or card with Bank of America. Each time I contacted Bank of America, I was told that because I am not a customer, they could not provide any documentation, transaction trace, XXXX transaction ID, or tracking number. The only information provided was verbal confirmation that the debit and return occurred. 

The recipient has stated she will no longer contact Bank of America. XXXX XXXX has stated that they do not see the returned funds on their side, no credit appears on my account, and the {$500.00} has still not been returned to me despite Bank of America confirming the transfer was completed.

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 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in lights of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that chime has not only neglected to protect consumers but as also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am being reported for a {$460.00} XXXX utility debt that does not belong to me. I have never had an account with XXXX, never lived independently in New Jersey, and all utilities in my name have only been in Florida. The collector has failed to provide proof that this debt belongs to me, yet it continues to be reported on my credit file.

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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Synchrony Bank closed my PayPal Mastercard credit card due to returned auto payments that took place on XX/XX/XXXX. I have seven different emails from XX/XX/XXXX from PayPal that I had returned payments. All seven emails had different banks and account numbers none of which were mine. Ive had this credit card since XXXX and have had 100 % on time payments. When I called Synchrony Bank, they stated that it was not their issue and that myself or somebody that I knew inputted the account information for them to take payment. That statement is untrue and I have proof that I only had one account in my auto pay agreement. They were unwilling to reopen my account.

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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, I transferred over XXXX Chase Ultimate Rewards points to a Chase airline transfer partner in reliance on Chases advertised 25 % transfer bonus. At the time the transaction was initiated and completed, Chases website did not disclose an expiration date for the promotion, nor did it provide any link to applicable terms and conditions indicating that the bonus was no longer valid or subject to limitation. 

On XX/XX/year>, after the points transferred without the advertised 25 % bonus, I contacted Chase customer service. I was informed for the first timeafter the irreversible transaction had already occurredthat Chases promotional agreement with the airline partner had allegedly ended. This material information was not disclosed to consumers prior to or during the transfer process, preventing informed consumer decision-making. 

I requested that Chase honor the promotion as advertised at the time of transfer. That request was denied. I further requested escalation to a supervisor or manager and was initially refused. After continued requests, I was eventually transferred to a supervisor, who also declined to provide any corrective action or remedy. 

Chases conduct constitutes a deceptive act or practice under the Consumer Financial Protection Acts UDAAP provisions. Specifically, Chase represented that a 25 % transfer bonus was available, failed to disclose material limitations or expiration of the promotion, and then completed an irreversible consumer transaction based on those representations. These omissions were likely to mislead a reasonable consumer and directly caused financial harm. 

Because XXXX Rewards point transfers can not be reversed, Chases failure to disclose material terms resulted in a permanent loss. Under Chases own published redemption values, XXXX XXXX Rewards points are equivalent to {$2000.00} in cash value. This consumer harm was not reasonably avoidable and provided no countervailing benefit to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
XXXX XXXX contacted me through XXXX messenger ask if I wanted to make extra money investing in bitcoin on XXXX  site had me withdraw XXXX from bank acct to cash app to purchase botcoin on XXXX  there wanting me to send more money, found out this was a scam site have called bank canceled check card going to get reissue, reconnected with cash app support said they closed the case since they had not heard from me in XXXX  days. Can number is XXXX. 
I still have all facebook messenger text, what's app text, and XXXX  where it shows purchasing XXXX made unbelievable ammount of money they want me to send XXXX get the withdraw I am not doing it to loss more money it is a scam site and needs to be XXXX down did notice it was hard at times to get logged into XXXX. I have a XXXX  load of screen shots as he was guiding me through this ordeal just to find out XXXX XXXX stuff not disclosed to me, and if there is a easier was to send all these screen shots to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute certain late payments listed on my consumer report, as obtained on XX/XX/XXXX. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to XXXX XXXX. Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : XXXX. Name of Account : XXXX XXXX, Account XXXX, Late Payment Date : XX/XX/XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute. Best regards, XXXX, XXXX Without Prejudice All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a set of notes including XXXX XXXX XXXX XXXX  which were listed on XXXX. However what I received were not genuine notes but miniature facsimiles of it. 
Please note that selling counterfeit currency listed as real is a felony crime in the US regardless of country of origin. 
When I attempted to dispute the transaction the overseas based BMO staff refused to do it citing the rules from XXXX XXXX. I was also told that I will be required to provide " an expert opinion '' at my own cost in order to dispute the transaction. 
I spoke with XXXX XXXX which informed me that any transaction that violates state and federal laws is automatically qualifying it for a dispute and there is no requirement by it to provide " an expert opinion at my own cost '' to start a dispute process. 
Subsequently the BMO overseas CSR are unable to provide any assistance regarding other transactions as I was told I need to be verified and as result I am required to come to the branch. This continues from the previous issue I had with the BMO which it is unable to verify me as user of an encrypted phone due to defective tech infrastructure operated by the bank. The calls are not able to be operated in a professional manner ( there is a feedback loop anytime I call their center ) leading me to the conclusion that BMO own vendor providing services to it is unable to provide a prompt and professional service. Furthermore the bank is requiring me to come to the branch for any issue regarding my bank or credit card account. This situation is unacceptable and the bank is unwilling/unable to address it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Ive requested proof of documents and or a contract that has my signature, social security number or driver license number verifying my identity and authentication of a contract. I havent received a response. ZIONS DEBT HOLDINGS, accepted a file without a legitimate proof of ownership. My rights are being violated. I have no knowledge of this account, the collection is an error on my credit report and Im requesting the debt be removed from all three credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CITIBANK, N.A.
State: NE

Complaint narrative:
Subject : Complaint Regarding Citibank Chargeback for XXXX Transaction Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding a chargeback on my Citibank credit card for a transaction with XXXX that has not been resolved. 

Billing Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX USA Citibank Account Ending : XXXX CFPB Case ID : XXXX On XX/XX/XXXX or XXXX, XXXX, I purchased a one-way ticket from XXXX to XXXX XXXX through XXXX XXXX XXXX failed to issue this ticket properly, leaving me stranded in XXXX and causing significant expenses and hardship. 

XXXX offered partial settlement for some expenses ( hotels, passport replacement fees, and partial coverage of the return flight ), but they have not reimbursed the original one-way ticket ( {$620.00} USD ). I requested Citibanks assistance to reverse the chargeback, but the issue remains unresolved. 

I have documentation to support my claim, including : Copies of the original ticket and unused portion Hotel receipts and passport replacement fees Correspondence with XXXX regarding the breach of contract and settlement discussions I request XXXX assistance to ensure Citibank properly investigates this matter and reimburses me for the unresolved charge. 

Thank you for your attention. Please let me know if you require additional documentation or information. 

Sincerely, XXXX XXXX XXXX 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 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute certain late payments listed on my consumer report, as obtained on XX/XX/XXXX. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to ONE MAIN. Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : XXXX. Name of Account : ONE MAIN, Account XXXX, Late Payment Date : XX/XX/XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute. Best regards, XXXX, XXXX Without Prejudice All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Upstart Network , Inc. in connection with a personal loan that I was pressured into obtaining as part of a documented social engineering scam. 

I was the victim of a cryptocurrency-related social engineering fraud involving deception and coercive manipulation. As the scam escalated, the perpetrators instructed and pressured me to apply for a personal loan, falsely representing that doing so was necessary to recover funds that had already been fraudulently transferred. I would not have applied for or accepted this loan absent the deception and psychological pressure involved. 

The personal loan was issued by Upstart and the proceeds were deposited into my personal bank account. Under continued deceptive instructions, those funds were then transferred to a cryptocurrency platform as part of the same fraudulent scheme. The loan proceeds were transferred under false pretenses, and I did not benefit from or retain control over the funds. 

This incident does not involve investment activity, trading decisions, or voluntary assumption of risk. The loan application and use of proceeds were the direct result of coercive manipulation and materially false representations made by the perpetrators of the scam. 

I am submitting this complaint to document the fraud-related circumstances under which the loan was obtained and to request appropriate review and hardship consideration. I am not alleging that Upstart committed the fraud ; rather, I am seeking recognition that the loan was incurred as a direct result of a documented scam and that I would not have incurred this debt but for the deception involved. 

I respectfully request that Upstart : 1. Conduct a substantive review of this loan in light of the documented fraud ; 2. Provide appropriate hardship consideration or accommodation related to the debt ; and 3. Ensure that my account and credit are not adversely impacted while this matter is under review. 

Supporting documentation, including related CFPB complaints, transaction records, and a detailed timeline, can be provided upon request. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I left the car where I lived an the company repossessed the car and still report it on my credit as late payments a they are adding interest to it. The balance is greater than the loan agreement.

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
What happened? 
Describe what happened, and well send your comments to the companies involved. 
Include dates, amounts, and actions that were taken by you or the company. 
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX ACH transfer from XXXX XXXX XXXX  to Capital one checking {$2000.00} lost. They told me it was denied then after I contacted CFPB I found out from XXXX was I didnt have enough digits XXXX instead of XXXX XXXX  thats not true on the other side of the left side of the page. There was XXXX digits. The XXXX  time I do XXXX  denied they told me I didnt give him any digits at all. If thats true they wouldnt have opened up another complaint. Please help XXXX  not being cooperative.

Company response to consumer: Closed with explanation