vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am filing this complaint against Chex Systems , Inc. for violations of the Fair Credit Reporting Act ( FCRA ) related to the continued reporting of inaccurate, obsolete, closed, purged, and fraudulent banking account information in my consumer file. 

ChexSystems is reporting multiple accounts that are closed, purged, or unverifiable, yet they continue to appear in my ChexSystems report and are being used to deny me access to banking services. This reporting is causing ongoing financial harm, including account denials and reputational damage. 

Despite the fact that these accounts are XXXX-balance, closed, purged, or obsolete, ChexSystems continues to maintain and distribute this information without a valid permissible purpose. 

On XX/XX/XXXX 2026, I formally disputed these accounts in writing and demanded permanent deletion pursuant to federal law. A copy of my dispute letter is attached to this complaint. 

ACCOUNTS IN DISPUTE The disputed accounts include, but are not limited to : Bank XXXX XXXX Account # : XXXX Status : Closed/ Purged / Closed for Cause Close Date : XX/XX/XXXX XXXX XXXX Bank, XXXX. 
Account # : XXXX Status : Closed Close Date : XX/XX/XXXX XXXX XXXX XXXX Bank Account # : XXXX Status : Closed / XXXX Balance Return Transaction Date : XX/XX/XXXX Bank XXXX XXXX ( Older Entry ) Account # : XXXX Status : Closed / Purged Incident Date : XX/XX/XXXX These accounts are not eligible for continued reporting, are legally obsolete, and/or can not be fully verified. 

FEDERAL LAW VIOLATIONS Chex Systems , Inc. is in violation of the following federal statutes : 15 U.S.C. XXXX ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. XXXX ( a ) Reporting obsolete information 15 U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation and delete unverifiable information 15 U.S.C. XXXX No permissible purpose for continued reporting 15 U.S.C. XXXX ( a ) ( XXXX ) Improper reinsertion of deleted or purged information HARM EXPERIENCED As a direct result of ChexSystems actions : I have been denied access to banking services My consumer reputation has been damaged I have experienced financial inconvenience and hardship ChexSystems continues to distribute inaccurate data to third parties DESIRED RESOLUTION I am requesting that the CFPB require Chex Systems , Inc. to : XXXX. Immediately and permanently delete all disputed accounts from my ChexSystems consumer file XXXX. Cease reporting closed, purged, fraudulent, or unverifiable information XXXX. Provide written confirmation that my ChexSystems file has been permanently corrected XXXX. Ensure no reinsertion of deleted information without lawful notice and full verification.

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 2026-01-01 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
We purchased two XXXX XXXX and as part of the promotion at the time, the purchase included a free battery valued at approximately {$1200.00} to {$1500.00}. I followed all instructions, which included waiting up to 120 days but the promotional battery for each unit was never delivered. XXXX has been unhelpful and I was told I would not be receiving the product as promised. This was a key part of the value proposition when I made the purchase, and I believe it qualifies as a failure to provide the agreed-upon goods. I first dispute this with Apple Card in XXXX of XXXX  and I submitted all requested supporting documents. My dispute was rejected due to a billing error. I went through the process again multiple times and it still is rejected for a billing error which it is not. I requested more information but was immediately disconnected with a Supervior when I mentioned I would file a complaint with the CFPB. Please help. The dispute is {$1200.00} with Goldman Sachs Apple Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a fraud transaction on my Citi Bank Visa. I contacted Citi Bank which they are doing nothing. They are giving me a run around to dispute & remove this fraud charge. 
They give me other phone numbers to call which I am put on hold & my call is never picked up. 
When I call to make my credit card bank aware of a fraud/scam charge, I expect my credit card company to take care of this, Citi Bank is not providing me this service.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
CENTRALPORTFis falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTFis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting by Capital One. 

This account was charged off during a period of financial hardship and has since been paid/settled on [ XX/XX/year> ]. Despite the account being resolved, Capital One continues to report a charge-off on my credit reports, which does not accurately reflect the current status of the account. 

I attempted to contact Capital One directly but was unable to do so through available communication channels. 

I am requesting that Capital One conduct a full reinvestigation and either : Remove the charge-off as a goodwill adjustment, or Delete the account if the information can not be fully verified. 

Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Between approximately XX/XX/year>, multiple {$34.00} overdraft fees were assessed by Chase in rapid succession for small debit card transactions, some under {$10.00}. These fees were stacked before I had a reasonable opportunity to correct the balance and resulted in hundreds of dollars in overdraft fees that far exceeded the original transaction amounts, causing immediate financial hardship. 

I contacted Chase and spoke with a supervisor and later submitted a written request through Secure Messages asking for a review and full reversal of the overdraft fees due to excessive fee stacking. Chase denied the request, citing internal policy, but did not address the fee stacking, timing of posting, or proportionality of the fees. 

I am requesting regulatory review and a full reversal of all overdraft fees and the associated monthly service fee, as I believe the fees were excessive and unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, birthday XX/XX/XXXX. In XXXX, my husband, at the time XXXX XXXX XXXX, moved to XXXX XXXX, CA. A couple of years later, in XXXX, I got a job working as a writer in XXXX with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and countless other XXXX names. Any time I tried to tell my husband or family about this, they did not believe me. When I started getting my pay checks, I asked my then colleague, XXXX XXXX to open a bank account on my behalf. He opened XXXX at CCU and set up direct deposit. Shortly after, I quit writing for XXXX and became a real estate agent with XXXX XXXX, influencer, and started getting calls from companies for marketing and advertisement. Every time I asked why I havent received payment, they said it was going into my CCU account. XXXX more years later, the XXXX called me to congratulate me on how much wealth XXXX  accumulated and asked if I wanted to spend any. I made a few donations and then asked if they would send me a debit card. They refused, saying they didnt like charitable giving. Since then, my money was transferred to XXXX  XXXX XXXX, and from there to JPMorgan Chase. I need access to the money XXXX  accumulated and earned over the past XXXX years to create the future I deserve for myself. Since this was all done through digital baking and over the phone, I have no XXXX XXXX. However I was reported to the FBI by a real estate agent in my XXXX XXXX office and they should have phone call recordings from the bank you should be able to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is the second time this year capital one has withheld direct deposits with no explanation. My job sent out funds on Tuesday and my other accounts received them with no problem. Capital one is illegally holding direct deposits with no warning or explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/2025, I cancelled an online order with XXXX that was financed through Affirm. This was a cancelled transaction, not a return. No goods were shipped or received. XXXX confirmed the cancellation and confirmed that the funds were returned. 

Despite this, Affirm failed to promptly cancel the pending loan authorization and continued to hold the transaction in a pending state well beyond its own stated processing cutoff. This restricted access to my funds and created a financial burden for a transaction that never completed. 

After multiple attempts to resolve the issue directly with Affirm, no corrective action was taken. As a result, I was forced to file a chargeback through my issuing bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), solely to protect myself from an indefinite and unjustified funds hold. 

Only after the chargeback was filed did Affirm void the loan and confirm in writing that the loan was fully cancelled and that I was no longer responsible for it. However, despite this confirmation, XXXX XXXX dispute system continued to freeze the funds under rigid chargeback timelines, treating a cancelled transaction the same as a return. 

Both Affirm and XXXX XXXX shifted responsibility between each other while the financial burden remained on me as the consumer. This situation demonstrates a systemic failure in which : Cancelled transactions are improperly treated as returns BNPL providers fail to timely release pending authorizations Consumers are forced into chargeback processes to resolve internal processing failures Financial institutions rely on outdated or rigid systems that cause avoidable consumer harm These are not new systems. Both companies operate mature financial infrastructures and should reasonably prevent prolonged consumer harm for cancelled transactions where no goods were delivered and no valid charge finalized. 

I believe the actions of both Affirm and XXXX XXXX XXXX XXXX constitute unfair and deceptive practices, as the financial burden of institutional failures was placed entirely on the consumer. 

I am requesting CFPB review and corrective action to prevent cancelled BNPL transactions from resulting in prolonged authorization holds and dispute freezes that cause unnecessary financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XXXX I bought a service via PayPal in the amount of XXXX {$18.00}. On XXXX this same seller ( scammer ) used PayPal and charged me the UNAUTHORIZED amount of XXXX {$39.00}. I complained to the scammer company twice, then complained via PayPal. For some unknown reason to me PayPal sided with the scammer. I escalated to PayPal, and it is now a circus as PayPal is making me go in circles instead of pushing the scammer to refund all my money. I am extremely shocked to see PayPal to side with a scammer even though PayPal sells itself using the buyers protection. I know the amount I am complaining about is small, but this stand off is not about the refund anymore, it is about a huge conglomerate such as PayPal that doesnt help the small guy, when the small guy is telling them and showing them that a scammer called XXXX is using PayPal service to scam people and PayPal XXXX ok with it and sides with the SCAMMER. 
PayPal case number : XXXX And XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this complaint regarding Goldman Sachs Bank USAs handling of a credit card billing dispute that I believe was resolved incorrectly and contrary to the documented facts.

I purchased a product from a vendor that was part of a subscription. I cancelled the subscription within the applicable timeframe in XX/XX/year>. Despite the cancellation, the vendor still shipped the product. Upon receipt, I returned the product to the vendor in accordance with their return process. 

The vendor has confirmed that they received the returned product, yet the charge was never removed from my credit card account. I disputed the charge with Goldman Sachs and provided supporting information regarding the cancellation and return. Despite this, Goldman Sachs decided the dispute in favor of the merchant and upheld the charge. 

As a result : -I do not have the product. 
-The merchant has possession of the returned item. 
-I was charged for merchandise I do not have and did not retain. 
-Goldman Sachs declined to reverse the charge despite evidence that the merchant received the returned product.

I found the dispute process to be inadequate and inconsistent with fair billing practices. Because I was dissatisfied with the handling and outcome of this dispute, I closed my Goldman Sachs credit card account.

I am particularly concerned that this unresolved charge may be reported negatively to credit reporting agencies, even though the merchant has acknowledged receipt of the returned product and the charge should not be owed. 

I am submitting this complaint because I believe Goldman Sachs failed to properly apply consumer billing protections and left me without recourse despite clear evidence that the merchandise was returned and received by the merchant. 
I filed a complaint against XXXX as well which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date of Birth : [ XX/XX/XXXX Date : [ XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Fair Credit Reporting Act Dispute Request for Investigation and Deletion of Unverifiable Information To Whom It May Concern : I am writing to formally dispute information currently being reported on my consumer credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and to correct or delete information that can not be verified.

I request that you conduct a thorough investigation of all information you have on file that you report and that you verify the accuracy of all accounts currently listed. If, after your reasonable investigation, you are unable to verify any information as accurate, I demand that such information be deleted from my credit file in accordance with the FCRA. Under the Act, you are required to complete your reinvestigation within 30 days of receipt of this dispute and to remove or correct information that can not be verified as accurate. FCRA+1 Please also provide me with : Written results of your investigation.

A copy of my updated credit report reflecting all corrections or deletions.

Written confirmation that any unverifiable information has been deleted or corrected in compliance with the FCRA.

If you determine the information is accurate, I request a description of the procedure used to verify the accuracy of the information, including the name, address, and telep
hone number of any furnisher of information contacted during the reinvestigation. GovInfo This letter serves as a formal demand that you satisfy your statutory obligations under the FCRA. Failure to comply with these requirements may result in further actions to enforce my rights under the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am filing a complaint against SoFi Bank regarding my funds being withheld without a timeline or resolution. 

My account was restricted due to alleged unusual activity. I was later told that the account was closed and that a check for my remaining balance would be mailed to me. As of today, I have not received my check since XX/XX/XXXX. 

I have contacted XXXX multiple times requesting information about my funds. I have repeatedly been told that there is no date available for when my money will be released. 

This situation has caused financial hardship, as I have bills to pay and can not access my own money. 

Additionally, although I was told the account was closed, it still appears open and restricted in the XXXX app, preventing any withdrawals. 

XXXX has failed to provide clear information, a timeline, or release of my remaining balance. 

I am requesting the immediate release of my funds and written confirmation of my account status.

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

Complaint narrative:
I have had an active PayPal account since approximately XXXX in good standing for regular personal and business transactions. On or around XX/XX/XXXX, PayPal placed a limitation on my account without prior notice. As a result, I am unable to access, transfer, or use the funds held in my PayPal balance.

I contacted PayPal multiple times through their customer support channels to request clarification regarding the reason for the limitation, the specific policy or activity involved, and the steps required to restore access to my account and funds. PayPal has provided only generic responses referencing internal reviews or policy considerations, without identifying a specific issue, violation, or remediation path.

I have complied with all verification requests made by PayPal. Despite this, my account remains restricted and my funds inaccessible, with no clear explanation or timeline for resolution. This lack of transparency and continued inability to access my own funds has caused financial disruption. 

I am submitting this complaint to request a clear explanation, proper review, and fair resolution.

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

Complaint narrative:
XX/XX/XXXX i had to get in touch with chime because someone had changed my password, then I noticed all these unauthorized transactions totaling {$620.00} they XXXX  XXXX, a {$100.00} my payday advance, and put me on the negative - {$200.00} in my checking account. I have disputed these actions but chime refuses to accept that i didn't do this. I have sent police report, XXXX  locations, etc. I keep getting the run around. My banking history should show that i didn't do this. 4-5 different devices logged into my account. One was in XXXX another in North Carolina. They will not provide me with information on how they came to deny my dispute or how they actually investigated it.

Company response to consumer: Closed with explanation