vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: Chime Financial Inc
State: FL

Complaint narrative:
I am filing this complaint against Chime regarding their refusal to reimburse clearly unauthorized transactions totaling approximately {$5000.00} from my checking account. These transactions were made through XXXX coin purchases by my XXXX grandson, who is a minor and did not have my knowledge, authorization, or permission to use my debit card or account. As an XXXX child, he does not have the legal capacity to authorize financial transactions. I reported these charges to Chime immediately upon discovering them and fully cooperated with their investigation, providing all requested documentation and written statements. Despite this, Chime denied my dispute twice, claiming they found no error, without providing sufficient explanation or evidence showing that I personally authorized these transactions. I believe Chime failed to properly investigate this matter and failed to provide the consumer protections required under federal law for unauthorized electronic fund transfers. I did not authorize these transactions, did not benefit from them, and reported them promptly. This has caused me significant financial hardship, and I am requesting that Chime be required to : Conduct a proper and thorough reinvestigation Provide all evidence used in their decision Reimburse the unauthorized {$5000.00} in charges I am a victim of unauthorized use of my account by a minor, and I am requesting the protection and resolution I am entitled to under federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
I am disputing a claim for {$490.00} ( TSI Account # XXXX ) from XXXX XXXX / XXXX XXXX. I believe this is a scam attempt to force payment for 'educational services ' that were predatory and fundamentally flawed. 1. Failure of Service : The materials provided through XXXX XXXX ' were poor quality, outdated, and entirely insufficient to achieve the certifications promised. The training lacked the instructor support and hands-on labs required for a student to actually certify, rendering the product useless and also denied my request of backing out of the enrollment. XXXX. Known History of Predatory Tactics : XXXX XXXX has a documented history and multiple public complaints from consumers who describe similar experiences : high-pressure sales for low-value courses, followed by aggressive collection tactics for services that were never properly delivered. 3. Deceptive Collection : Transworld Systems Inc. ( TSI ) responded to my dispute on XX/XX/year>, with a generic email that failed to provide a signed contract or an itemized breakdown of these alleged 'fees. ' I refuse to pay for a product that was misrepresented and never delivered as promised. I request that TSI cease all collection activity and that this fraudulent account be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Product : Bank account or debit card Company : Chase Bank Issue : Unauthorized transaction / dispute reversal Complaint Description I am filing a complaint regarding an online debit card transaction governed by Regulation E. I reported the transaction to Chase Bank as unauthorized. Chase initially issued provisional credit, then later reversed the credit after stating that the merchant proved the transaction was authorized. Chase has not provided any evidence demonstrating that I personally authorized this transaction. Chase has stated only that the merchant had an accurate phone number and address, which does not establish authorization under Regulation E. I specifically asked Chase what documentation or information was needed from me to support my dispute. Chase informed me that nothing further was needed from me because the merchant had already provided what Chase considered sufficient evidence. I did not authorize this transaction, did not enter my debit card information, and did not receive or benefit from any goods or services. Chase has instructed me to contact the merchant instead of providing authorization evidence or completing a Regulation Ecompliant investigation. I am requesting reinstatement of the disputed funds and confirmation that Chase has complied with Regulation E requirements, including proper burden of proof and disclosure of the evidence relied upon to determine authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. These collections were a cause of fraud due to the identity theft that leaked my information on the dark web and opened multiple accounts under my name over the years. It wasnt until I made an XXXX account where I finally saw the damages, so I have been trying for months to get the items removed from my credit reporting with these particular companies that credit lines were supposedly opened and never paid in my name when I asked the companies to show document proof of any signings I might have done. The companies failed to deliver such evidence and just put the debt as automatic owed consumer disagrees, etc. Its been a very back-and-forth battle over the months, with disputing with both XXXX XXXX XXXX, and the different companies and getting nowhere especially going in under these hardships. There are 3 companies in total I will list them below. I demand that the following be removed immediately : 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 NOT MINE DUE TO IDENTITY THEIF XXXX XXXX XXXX XXXX NOT MINE DUE TO IDENTITY THEIF

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: FL

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i hired a lady with credit repair i gave her all my personal information that she used her her monetary gain, she applied for loans. she sent me blank check and told me i was approved a grant for debt relief and advised me to deposit them in my personal acct, they came back as fraud, i contacted the bank spoke with some there that stated that it was false my name was not on an account that her client was a victim of identity theft, she then had people send me money via when i question this i told her i need to send this back due to not knowing what she was up to, i sent her those transaction due to not wanting to keep them. this also created fraud from XXXX because the people requested money back that she has but use my account. this lady will not leave me alone she harasses me everyday still asking for money to help me, she is crazy she send people to my house to look for me due to me blocking her. i sent in a complaint to the XXXX police department. i have reached out to experian and asked them to correct my credit i have sent the my complaints my police report and they refuse to investigate my case for idenity theft. the portal is experiencing technical issues. i am attempting to exercise my right to block under 15 USC S 1681c-2

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by my student loan servicer, which has reported XXXX of my accounts as XXXX days delinquent. I have held these loans for XXXX years and have maintained a perfect payment history until they were transferred to this specific company. I only became aware of any issues in XX/XX/year> after a drastic drop in my XXXX XXXX ; the company failed to send any email notifications or letters regarding missed payments or processing errors prior to this. The reporting is factually incorrect due to a documented technical failure in the companys payment system. I have used the same checking account for XXXX years, which has consistently maintained a balance exceeding {$10000.00}, yet the company claims payments were " returned. '' Specifically, I have a confirmation from the companys own website for a lump sum payment of {$1200.00} that was marked as " Received. '' However, when I contacted the company by phone in XX/XX/year>, representatives provided conflicting information, claiming the payment actually failed despite their own digital confirmation. Most recently, on XX/XX/XXXX, the company sent another email confirmation stating that my payment was received and my account is officially up to date. Based on the established pattern of the last several months, however, I have reason to believe this payment will again " disappear '' or be marked as failed in a few days, despite the funds being available. Despite these repeated confirmations and my proactive attempts to resolve the balance, the company refuses to adjust the delinquent reporting on my credit file. I have uploaded bank statements proving sufficient funds and screenshots of their own conflicting payment confirmations to the company 's internal portal, but I have received no response or resolution. This is a formal dispute of accuracy under the Fair Credit Reporting Act ( FCRA ). The company is reporting a delinquency that resulted from their own administrative and system errors, not a lack of funds or intent to pay. I am requesting that the CFPB investigate these XXXX trade lines and require the company to remove the inaccurate late markers to reflect my XXXX history of responsible borrowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
This loan was taken out for a XXXX bootcamp by XXXX University XXXX XXXX XXXX skills program. The program wasn't what they advertised and when I tried to get a refund, the advisor kept delaying until the program was almost over. The student support advisor was constantly trying to delay my request. Now the program doesn't exist and I am left with a loan for no reason. I tried to tell sallie mae of this practice but they didnt care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I did a refund advance and my advance was paid back on XX/XX/year> via XXXX. Here it is XX/XX/year> and I have yet to receive my tax refund! It was all sorts of fees paid to ensure I had my money within XXXX days of filing and myself along with many others have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
XXXXHarris&Harris attempted to collect debt for a family member of mine, when I asked how they got my number, they said a google search showed that me and my aunt had the same last name. When I told them SEVERAL people have the same last names, they resorted to Uh we dont know how we got your number but they kept sending me automated text messages to make a payment to the Pennsylvania XXXX, which I have never been on. They told me they removed my number but I do not believe them. They went ahead and recorded my number with HER name even though I am not associated with her. They should not be allowed to harass ME for someone elses debt and ruin my day. They can be reached at 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 2026-02-24 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: TX

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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
In or around XX/XX/year>, I used my Chime debit card to pay approximately {$220.00} for a weekly hotel stay. During my stay, hotel management instructed me to vacate the property and explicitly stated that my weekly payment would be refunded following inspection of the room. I contacted Chime while physically present at the property, and a Chime representative was on the phone during my interaction with the hotel owner regarding the promised refund. The hotel did not process the refund. I filed a dispute with Chime regarding the {$220.00} transaction. Over the course of approximately XXXX week, I repeatedly contacted Chime by phone to follow up on the dispute. The dispute was denied through the app ; however, I was not provided with a written explanation detailing what evidence was reviewed, what documentation the merchant submitted, or how the investigation was conducted. Despite informing Chime that a representative was on the phone during the refund discussion, the dispute was denied without meaningful explanation. I believe Chime failed to conduct a reasonable investigation and failed to provide adequate documentation supporting the denial of my dispute. I am requesting a formal review of how this dispute was handled and reconsideration of the denied claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Account Type : Unsecured Loan Issue : False late status + inaccurate reporting Laws Violated : FCRA + Furnisher Duties What happened : On or about XX/XX/year>, I reviewed my XXXX credit report and discovered that Navy Federal Credit Union is reporting this unsecured loan as XXXX days late, despite reporting a current balance of {$0.00} due. This reporting is inaccurate, misleading, and internally inconsistent. An account can not accurately reflect both a XXXX balance due and a XXXX delinquency status at the same time. This false delinquency is materially damaging my credit profile. Navy Federal failed to properly update the account status to reflect its true standing and continues to furnish inaccurate information to the credit reporting agencies. This indicates a failure to maintain reasonable procedures to ensure maximum possible accuracy. This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including inaccurate reporting and failure to ensure the accuracy of furnished information. I am requesting a full investigation, immediate correction or deletion of this inaccurate late status, and written confirmation of the results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In early XX/XX/XXXX, I visited the PNC branch at XXXX XXXX XXXX XXXX because I believed someone had unauthorized access to my accounts. I requested information about unfamiliar activity and how to secure my accounts. I was visibly distressed because my father had just been diagnosed with XXXX XXXX days earlier, and his major XXXX XXXX was scheduled for that week. I went to PNC specifically to stabilize my accounts so I could focus on his medical emergency. During the interaction, the branch XXXX suddenly said, Are you threatening me? which was not true. Instead of assisting me with my account-security concerns, PNC staff XXXX the situation and called the police. This prevented me from receiving the information I requested and turned a routine inquiry into a law-enforcement matter. Shortly afterward, police followed me, and because I felt unsafe, I called XXXX myself. Later that day, officers came to my home and placed me under an XXXX XXXX XXXX, which resulted in a XXXX involuntary hospitalization. As a direct result, I completely lost access to all of my financial accounts during an active period of fraud and I also missed my fathers XXXX XXXX, which occurred while I was detained. Because I could not access or manage my accounts for XXXX days, multiple unauthorized transactions posted, including : {$2000.00} bitcoin purchase ( XX/XX/XXXX ) {$1900.00} withdrawal ( XX/XX/XXXX ) $ XXXX XXXX XXXX charge ( posted the day after detention began ) Additional unauthorized withdrawals and subscriptions My total losses exceeded {$10000.00} across PNC and non-PNC XXXX because I had no ability to freeze, dispute, or monitor anything during detention which would not have happened if PNC XXXX handled my request appropriately. PNC refunded only a portion of the losses, leaving the majority unresolved. After my release, I learned my PNC accounts had been closed and that a trespass notice had been issued. I never received the information I originally requested, and PNC has not acknowledged how their escalation prevented me from securing my accounts or responding to fraud. I am requesting : XXXX. A full review of the branchs conduct and escalation. XXXX. Investigation into how PNCs actions caused a complete loss of account access during active fraud. XXXX. Reimbursement for unauthorized transactions incurred while I was unable to manage my accounts. XXXX Review of the account closure and trespass notice. XXXX. Correction of any credit harm related to this incident. PNCs failure to provide basic account-security assistance and their improper escalation caused severe financial harm and significant personal harm, including missing my fathers critical XXXX XXXX due to the XXXX detention that resulted from their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I originally opened a credit account with XXXX XXXX for a {$5000.00} purchase. At the time of opening the account, I was never told this was a deferredinterest financing plan. I was not informed verbally or in writing that interest would be accruing in the background or that the entire balance had to be paid off by a certain date to avoid large retroactive interest charges. I made payments timely totaling {$2600.00}, which should have reduced my remaining balance to approximately {$2300.00}. However, XXXX XXXX increased my balance to {$4400.00} by adding deferred interest that I was never told about. Then, XXXX transferred that inflated balance to Fortiva XXXX Credit without providing proper notice or any explanation of changes in terms. Once the account was transferred, that same inflated balance of {$4400.00} appeared on my Fortiva statement. This was the XXXX time I became aware that deferred interest had been added. I filed a written dispute explaining that the deferredinterest terms were never disclosed to me by XXXX XXXX and that I did not agree to these terms. Both XXXX XXXX and Fortiva XXXX Credit denied my dispute, even though I was never informed of the deferredinterest program at the time of purchase. I believe this situation includes violations of the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( XXXX ) because : Vive Financial did not disclose the deferred interest terms at account opening. Deferred interest was added without proper notice. XXXX transferred an inflated balance to Fortiva. Both companies refused to correct the issue after my timely dispute. My balance increased by thousands of dollars and will cause me to overpay for the purchase even though I made consistent payments. I am requesting : Removal of all deferred interest added to my account. Correction of my balance to the true amount owed. A full copy of the original credit agreement and disclosures. A detailed explanation of how the {$4400.00} balance was calculated. CFPB assistance in resolving this matter due to unfair and deceptive practices by both companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief