vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 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: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX, at XXXX XXXX in XXXXXXXX XXXX XXXX XXXXXXXX, I purchased gas in the amount of {$15.00}. {$38.00} was in the account and was held to make sure the amount was covered. Once completed by the XXXX gas station, {$23.00} was then supposed to be returned to me. It's been over 20 days and I contacted cash app ( my bank ) to dispute it, but denied and appealed it and provided proof, but again denied. Each time I spoke to support I ask them to please provide me proof on their end and still have not receieved any proof. Simular situation, On XX/XX/XXXX at XXXX, I purchased gas at XXXX XXXX XXXX XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX XXXX in the amount of {$20.00}. {$50.00} was placed on a hold and completed by the gas station shortly after, but again I never recieved the remaining amount of {$29.00}. Contacted support and it never got returned. The cash app banking support keeps denied these XXXX proof of no return funds. In total I'm missing {$53.00}. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am filing a complaint regarding an inaccurate and unjust debt collection attempt totaling {$620.00} from a storage unit facility that I moved out of over two years ago. A debt collector is now attempting to collect this amount, and I firmly believe the charge is fraudulent. I was a paying customer of the storage facility and always paid my bill on time. When my rental period ended, I completely moved out of the unit, removed my lock, and took a photo as proof. I also communicated directly with the employee on shift that I had vacated the unit and returned my keys. At that time, everything appeared to be properly documented. However, the facility is now claiming that I never removed my lock and that the unit appeared occupied. This is not true. I have photographic evidence showing the empty unit with the lock removed on the exact day I moved out. I believe someone may have placed a lock back on the empty unit after I vacated, potentially to make it look like I never left and to wrongfully charge me. When I went back to the storage facility recently to resolve this issue, the staff claimed that the employee I originally spoke with may no longer work there, which prevents them from confirming the proper move-out process I followed. Despite my attempts to correct the situation directly with the facility and the debt collector, this false charge is still being pursued. I am requesting the CFPBs assistance in investigating this matter and ensuring this invalid debt is removed. I have full documentation, including photographs and communication history, to support my claim. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to formally dispute the following information in my file. I have recently reviewed my credit report and identified items that are inaccurate, unverified, and do not reflect my true financial history. Pursuant to 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to assure maximum possible accuracy. The reporting of the items listed below indicates a failure in these procedures.

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 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
hello i had chase merchant acount, i have small business i buy damage phones fix and sale sometimes i prgram phones sometimes fix customers electronics and i receivemoney XXXX cash or with credit card and when inreceive money with credit card chase ask me my customers personal information biling address phone number andemails but i never ask my customers personal information tonshare me personal information but when chase close my acount and try asm me my customers information last XXXX payment i find everything i creat invoice and everything i sen but chase close my acount and hold my money 4 month. its so crazy chase dont like my small work

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: OH

Complaint narrative:
On XX/XX/XXXX I received email from my XXXX XXXX that i have existince account. Email was i requested new checking account and they accepted. I was shocked and called to us bank they told me everything is good. If u wan na close ur account, we will send u verify email. They sent me XXXX later. I have no idea about that i am victim of identity theft so i was calm. Then i got email it was like identity theft filling form. I was shocked and started search about what is identity theft. Then i realized scammer got my SSN AND OTHER WHOLE MY INFORMATION. I tried to create account on XXXX sites such as XXXX XXXX XXXX XXXX But i was outside of XXXX so i couldnt enter. I called them they said visit the site. I asked my friend who is in XXXX. My friend tried to enter like create account for me but he couldnt because scammer already created account. I called to XXXX sites they said i have existence account and different address number name XXXX on it. I asked that this is not me please change my information l. They said they cant because they dont believe until i send them my copies of documents. Now i have trouble because i will go to XXXX in XXXX. I asked my friend to send and he is busy. I dont have anyone in XXXX XXXX Because i am XXXX student who works only in XXXX. So scammer opened checking account on XXXX XXXX. Also created accounts on XXXX XXXX XXXX XXXX Also created credit card or XXXX on XXXX XXXX and took XXXX XXXX All of their address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And name was XXXX but i am not sure. Still now i didnt send my copies of my documents. I am afraid that scammer took more advantages. Because of that i didnt eat sleep well many days. I am in so panic. Please help me to protect me. Also took money XXXX $ date was XX/XX/XXXX. I called XXXX. They said they will put fraud alert and notify me. XXXX XXXX i sent but still didnt get answers from them. They works so slowly. Other XXXX sites is confusing. I hate that they give opportunities to scammers. Sad thing is XXXX sites doesnt allow me put freeze or fraud alert until i send docs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I sent a written request for debt validation to the collection agency on XX/XX/year>, requesting proof of the debt, including the original creditor, amount owed, and documentation showing they have the legal right to collect. I did not receive any response or validation. Despite this, the account was verified as accurate with the credit bureau and continues to be reported on my credit report. Because the debt was not validated as required, this account should not be reported. I am requesting immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I received a call from XXXX. My caller ID displayed " Chase, '' which led me to trust the caller. The individual claimed to be a Chase representative and stated that my account had been compromised via XXXX, alleging that a person named XXXX XXXX had attempted XXXX unauthorized withdrawals : {$990.00} and {$490.00}. The caller identified himself as XXXX, with Chase employee ID : XXXX. He immediately provided a case number XXXX along with XXXX " cancellation numbers '' : XXXX and XXXX, which I later realized correspond directly to the XXXX transaction amounts, a detail that clearly demonstrates this scheme was pre-planned and targeted. The caller then instructed me to log into my Chase account and add XXXX XXXX recipients, claiming they were Chase bank managers who would process the cancellations : Recipient XXXX : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Amount : {$990.00} Recipient XXXX : XXXX XXXX XXXX : ( XXXX ) XXXX Amount : {$490.00} At some point during the call, the caller asked me what the maximum allotted XXXX transfer limit displayed on my account was. Since I was navigating a different page of my account portal at the time, I was unable to locate the information he was requesting. For the first transaction, the caller assured me the funds would not actually be sent and initially it appeared that way. However, after completing the second transaction to XXXX XXXX, the {$490.00} transferred successfully. At that moment, I realized this was a scam call and that the caller was conducting a qualifying impersonation scam. The caller went silent but did not hang up I could still hear background noise consistent with a call center environment. Upon refreshing my account, I confirmed that both XXXX transfers had been processed, totaling {$1400.00}. I immediately contacted Chase Bank and reported the incident. Chase reference number : XXXX. I also filed a report with the XXXX XXXX Police Department. Police report number : XXXX XXXX. The responding XXXX, XXXX XXXX, XXXX # XXXX, informed me that the department has recently received multiple complaints from other XXXX XXXX residents describing the same scheme. I am reporting this as a wire fraud and bank impersonation scheme, potentially violating 18 U.S.C. 1343 ( wire fraud ) and 18 U.S.C. 1344 ( bank fraud ). These scammers were highly sophisticated and impersonated Chase employees with convincing accuracy. They spoofed Chase 's caller ID, used authentic banking terminology, and guided me through each step exactly as a legitimate Chase representative would. The spoofed caller ID was particularly disarming and created a false sense of security. I urge immediate investigation, as these individuals are clearly operating a well-organized and rehearsed fraud scheme that is actively targeting bank customers in the XXXX XXXX area and beyond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX and Carrington Mortgage Services regarding their failure to properly investigate and correct negative credit reporting on my mortgage account. On XX/XX/year>, I submitted a written request to XXXX XXXX asking for a review and correction of negative credit reporting related to my loan. On XX/XX/year>, XXXX XXXX responded but failed to provide evidence of a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Their response was generic and did not include documentation showing how the late payments were verified, who verified the information, or what records were used. Despite my request, they did not provide sufficient proof that the reported information is accurate. The account reflects multiple late payments that are severely damaging my credit profile and preventing me from refinancing my home. This is causing significant financial harm. Additionally, my loan was transferred to Carrington Mortgage Services on XX/XX/year>. I am concerned that inaccurate or harmful reporting will continue without proper validation by the new servicer. This may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to conduct a reasonable investigation and report accurate information. I respectfully request : A full and proper reinvestigation of my account Complete verification of all reported late payments Documentation showing how the information was verified Correction or removal of any inaccurate or unverifiable information Assurance that Carrington Mortgage Services will not continue reporting disputed information without proper investigation I am requesting the CFPBs assistance to ensure compliance with federal law and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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
State: MO

Complaint narrative:
I have an XXXX account and I was using it to deposit my funds from a sports betting app called XXXX which is legal in XXXX and is where I reside. The betting app even partners with XXXX and advertised themselves to use them as a main source of transfer service. I withdrew my balance from the betting app into XXXX and it was a large transfer. I tried to transfer it from XXXX to my regular bank account and then my account was frozen out of nowhere and I was unable to use the app at all. I could not withdraw my money at all and its just stuck in the app. I recieved and email on XX/XX/year> stating my account was suspended due to unusual activity and it would take XXXX business days to reinstate my account. I tried calling 3 times and everytime they told me that only an account specialist can handle the issue and is Only available through correspondence via email and that they would contact me with instructions on how to fix my account status. They assured me that no matter what I would be able to recieve my money one way or another. Then the following night around XXXX on XX/XX/year> I get an email from Team XXXX stating that my account is suspended indefinitely and would no longer be offering me thier service and if I had questions I can email them mon-fri from XXXX only. They didnt give me any instructions or give me a chance to verify my identity at all like they said would happen. There is {$4200.00} of my money in that XXXX account and from everything Ive read they are going to try and take that money from me. I did nothing illegal or commit any crimes or do anything fraudulent. I simply used their services to withdraw my money from a sports betting app that they advertised themselves on to be used. That money is all I have to my name and I have a XXXX XXXX XXXX XXXX and bills piling up. Im devestated and could lose my home because of this. XXXX is saying they detected unusual activity and that i violated user agreements but i found nothing in their policy that said I did anything wrong at all. Ive made numerous attempts to offer verification and documentation that proves I am who I say I am and they have provided no options to me to get my account back or any ways to get my funds out of the account before they close it completely. Please I need help I dont know what to do. Please help me my livelihood depends on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, I financed a furniture purchase through XXXX XXXX using a Synchrony Bank store credit account with a promotional no interest if paid in full offer. At the time of purchase, the promotional expiration date was not listed anywhere on the paperwork provided to me by XXXX XXXX. I relied on those documents to understand the terms of the financing. Throughout the account period, my monthly statements did not clearly display a specific promotional payoff date or clearly indicate that a large deferred interest charge would be applied if the balance was not paid in full by a certain date. In addition, I attempted to access my account online to review my balance and payment details, but the system repeatedly rejected my credentials even though the information entered was correct. Because of this, I was unable to access important account information, including any promotional expiration date. On approximately XX/XX/XXXX, I called Synchrony Bank to ask for my balance since I was having issues signing into my account. I was informed that nearly {$1000.00} in deferred interest charges had been added to my account. After speaking with Synchrony Bank I sent a written request, including a certified letter with documents given to me at time of purchase asking for a review and waiver of these charges due to the lack of disclosure and inability to access my account. Synchrony Bank responded with a denial but did not address the issues regarding missing disclosure of the promotional expiration date or my inability to access my account information. I have made payments in good faith and would have paid the remaining balance in full had the promotional deadline been clearly disclosed or accessible to me. I am requesting a full waiver of the deferred interest charges due to inadequate disclosure and lack of access to necessary account information.

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 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
I am submitting this complaint regarding an improperly reported and disputed rental debt associated with a prior tenancy at XXXX XXXX XXXX # XXXX. I vacated the unit on XX/XX/XXXX and provided written notice on XX/XX/XXXX. Despite this, the account reflects an incorrect move-out date of XX/XX/XXXX, which resulted in improper charges including XXXX rent, late fees, and an early termination fee. Prior to and after move-out, I made multiple written attempts to dispute these charges and requested a corrected final account statement, as well as an itemized accounting of my security deposit. Although a response was eventually provided, the information was inaccurate and failed to correct the disputed issues. Additionally, I did not receive a proper itemized accounting of my security deposit within 30 days of vacating the property as required under XXXX law. I only became aware of the alleged balance after being contacted regarding collections in XX/XX/XXXX. Despite the account being disputed and unresolved, the balance was sent to a third-party collection agency, IQ Data XXXX XXXX and is now being reported on my credit. This has negatively impacted my credit profile. The debt being reported is not accurate or valid as presented. It is based on an incorrect move-out date, improper charges, and failure to comply with required procedures for security deposit accounting. I am requesting that this account be fully investigated, corrected, and removed from collections and credit reporting if it can not be properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
I received payment thinking it was. Company owned by XXXX XXXX and him paying for things like he said

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I maintain XXXX accounts serviced by Citibank , N.A . ( CBNA ) : Citi Simplicity credit card Macys American Express card issued and managed by CBNA On recorded customer service calls, CBNA representatives made explicit representations regarding balance transfer availability : XXXX. Citi XXXX Account I was informed that a XXXX XXXX balance transfer option was available. However, when I attempted to proceed, CBNA declined to verify or process the transfer. The represented feature was therefore not actually accessible despite being described as available. XXXX. Macys American Express ( CBNA ) I was informed that I could complete a {$3000.00} balance transfer. Relying on this representation, I moved funds in preparation for the transfer. Subsequently, CBNA reversed course and declined to honor the transfer, stating that it was not available. As a result of this reversal, a related payment/transfer was returned, and CBNA assessed XXXX {$30.00} returned payment fee. This fee arose directly from the failed transaction caused by CBNAs own representations and subsequent refusal to process the transfer. Additionally, CBNA placed a security restriction or flag on the account, which reduced or restricted access to approximately {$3000.00} in available credit. This matter has been previously reported to the Federal Trade Commission under complaint number XXXX, reflecting prior escalation of the same underlying conduct. Impact and Harm XXXX actions resulted in : Loss of access to approximately {$3000.00} in available credit Improper assessment of a {$30.00} returned payment fee Disruption to cash flow and operational planning due to reliance on the represented balance transfer Potential adverse impact to my credit profile XXXX and administrative burden attempting to resolve the issue

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