vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 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: KEYCORP
State: OR

Complaint narrative:
In XX/XX/XXXX, I was the victim of a documented crime in XXXX, TX where I have a police report : ( XXXX Police case # XXXX ). On XX/XX/XXXX, a scammer coerced me into purchasing a {$500.00} gift card at XXXX using my KeyBank credit card. This was XXXX of XXXX identical fraudulent charges. I successfully disputed XXXX of them in XXXX, but I inadvertently missed the third ( merchant : XXXX # XXXX ). As a direct result of this fraud, I did not have sufficient funds to pay my Keybank credit card bill on time. Because of this, I incurred {$380.00} in late fees and interest charges that I would not have otherwise owed. On XX/XX/XXXX after obtaining an official police report, I visited a KeyBank branch in XXXX, XXXX, to open a dispute for this remaining charge. I brought a copy of my bank statement showing the transaction and the police report. The branch banker stated they could not access my account records because the statement from the XXXX to XXXX billing cycle of XXXX is more than XXXX XXXX XXXX from the time that this charge happened, and it is past the 60 days from when the incident happened, where they could not file the dispute. I was unable to resolve this through their normal banking channels. Keybank has not provided a written explanation or any alternative method for me to dispute this fradulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
* On XX/XX/year> at XXXX a Direct Deposit of {$100000.00} was sent to my bank account ( Block Inc. or Cashapp ). * XXXX XXXX was paying out my dads life insurance policy of which I was the XXXX XXXX * Within seconds the money was then reversed as the push notification on my phone alerted me to the reversal. * I then contacted Cashapp and was told they were escalating the case and would have more information shortly, which I never received. * I contacted the sender ( XXXX XXXX ) and was told that with their tracking Cashapp had yet to send it back. * I contacted Cashapp on multiple occasions ( ex : XX/XX/year> at XXXX and XX/XX/year> at XXXX ) each time getting no answers or information. * XXXX XXXX requested I contact Cashapp and get the ACH Return Trace Number so they can track down the payment. * XXXX XXXX is still waiting for a Notice of Retuned Funds so they can reissue the payment. * Cashapp claims they have to do a full investigation to be able to give me the ACH Return Trace Number, even though multiple employees and specialists have told me they were looking right at the return notice and that XXXX has received the returned deposit but still no ACH Return Trace Number was given to me. * It has been well over 14 business days with no resolution in sight. * I explained to them that if I wasnt given that number by the end of the day I was going to contact CFPB and was met with a sarcastic reply of a link that Law Enforcement can go to file a report with Cashapp. * I have been hung up on half through my sentence * The chat was abruptly ended by them with absolutely no help or concern for the situation. * I have been promised emails from supervisors that never show up. * Today is the XXXX business day after I notified Cashapp of the reversal not going back to the original sender ( XXXX XXXX ). * XXXX XXXX has tried to get the ACH Return Trace Number themselves to no avail. * Cashapp is refusing to give me information about my own transaction history. * Cashapp is refusing to credit my account for the amount of the missing funds. * Cashapp is refusing to help in any way shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I called Citibank to open a Regular Checking account and enroll in their promotional offer of {$750.00} for maintaining a {$30000.00} balance between days XXXX and XXXX after opening the account, with the bonus to be paid within 120 days of opening. The representative opened an XXXX Checking account instead, which is ineligible for the promotion. This was Citibank 's error, not mine. I maintained the required balance as stipulated. On XX/XX/XXXX I called to inquire about the bonus. The representative acknowledged that I had met every requirement except the account type, and confirmed the wrong account type was Citibank 's mistake. A dispute was opened and I was promised resolution within XXXX week. On XX/XX/XXXX at XXXX XXXX, according to the Citibank representative, the backend team marked the case as not honored. On XX/XX/XXXX I received an electronic notice from Citibank stating that case # XXXX XXXX XXXX XXXX XXXX had been " resolved. '' When I called the same day to ask whether this referred to my bonus dispute, the representative told me no, my dispute was still open and would take another 90 days. I continued waiting based on this false information. On XX/XX/XXXX I called again. A representative promised to update me within XXXX business days. No update was received. On XX/XX/XXXX I initiated an online chat with Citibank. The chat supervisor revealed for the first time that the case had been denied on XX/XX/XXXX, that no letters were generated, and that no reason for the denial was available. The supervisor confirmed : " till date there are no letters available on our end due to which we are unable to share the exact reason for not honoring it. '' The supervisor stated that except a notice on XX/XX/XXXX, there are no later notices in the case. In summary : Citibank opened the wrong account, admitted the error, denied my dispute without notifying me, sent me an electronic notice of resolution while simultaneously telling me by phone the case was still open, and can not provide any reason for the denial to this day.

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 2026-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Re : Dispute of Inaccurate Information Account Balance Does Not Match Validation Original Creditor : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX File Number : XXXX Debt Collector : Caine & Weiner Dear Sir or Madam, I am writing to formally dispute inaccurate information appearing on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). You are required to investigate this dispute within XXXX days and report the results to me. The account referenced above is currently reporting a balance of {$500.00}. However, this amount does not match the balance provided in the debt validation / verification letter I received from Caine & Weiner dated XX/XX/year>, which states the account balance as {$500.00}. I have enclosed a copy of the Caine & Weiner XXXX XXXX for your review. The {$0.00} discrepancy indicates that the information being furnished to you is inaccurate and unverifiable in its current form. Please immediately : XXXX. Investigate this matter with the furnisher ( Caine & Weiner XXXX XXXX ). XXXX. Verify the correct balance. XXXX. Update or delete the inaccurate balance on my credit report. XXXX. Provide me with written results of your investigation and an updated copy of my credit report showing the correction. If the furnisher can not verify the exact balance currently being reported ( {$500.00} ), the entry must be deleted or corrected as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am being charged fees that I did not agree to when paying online. A fee for processing online payments, and fees for exorbitant interest rates on late payments. I am also not allowed to change the date due. Only option I am given is extending the loan. Been paying {$710.00} for XXXX years and only XXXX of those payments went towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I refinanced a car loan with PNC Bank to get a better interest rate by applying over the phone. I was approved and instructed to go to the closest branch to complete the loan and sign the paperwork. They told me to bring my driver 's license, payoff amount, and mailing address with me. We made an appointment at the XXXXXXXX XXXX, location in XX/XX/2026, completed the loan, and provided the payoff amount and the address to send the payment to the bank ( XXXXXXXX XXXX ). We asked before we left if there was anything else we needed to do for the loan, and we were told there was nothing else needed. In XXXX, we started getting letters about the title needing the name changed. I contacted PNC Bank using the phone number on the letter and was told they had not received the title from the loan 's previous lender. I contacted XXXX XXXX and was told that they never received the payment ( we were not contacted by XXXX XXXX because we made a large payment on the loan shortly after we purchased the car ). I got the paperwork envelope they gave us, and for the first time, I took all the papers out of it to review them before calling PNC. I found the check in an envelope at the bottom. They obviously did not mail the check because they put it in the envelope, and they never told us we needed to send it. PNC sent the payment after we went to the branch to discuss this, and the loan XXXX agreed that they should have mailed it. The amount they sent was the payoff back in XXXX. However, now being XXXX, the load had accumulated over {$500.00} in interest. They told me we had to pay it because they said we needed to send the check. That was not the case because if they had handed me the check and told me I had to send it, I would have gone to a XXXX or XXXX store and sent it via next-day air with a return receipt. I should not be responsible for the extra interest because of this bank 's mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am disputing the account with LVNV Funding LLC ( Balance : {$950.00}, Opened : XXXX XXXX, 2025 ). I previously requested validation of this debt over XXXX days ago, but the item was not removed and no adequate verification was provided. I request immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Popular XXXX has a severe system glitch that is withholding my money and causing severe financial hardship. On XX/XX/year>, I tried to transfer {$3000.00} from my savings account to my XXXX XXXX XXXXXXXX account. The system repeatedly sent the funds to the wrong routing number. XXXX admitted this was a bank glitch and said it was fixed, but the system did it again.Now, only {$1500.00} has been returned. The other {$1500.00} is completely missing. I am currently unemployed. Because Popular XXXX is holding my money, my primary checking account is overdrawn and my mortgage is past due. They also hold a {$25000.00} CD that I need to close immediately.The bank must immediately return my missing {$1500.00}, waive all CD penalties due to their system errors, and wire my entire balance to XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

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 2026-06-11 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: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX at XXXXXXXX XXXX. a company by the name of XXXX debited {$150.00} off my Chime card. I have never heard or used this company for anything. When it was brought to my attention the only company I had called in for a payment was my XXXX auto insurance which was never received because this company took my money. I did a dispute with Chime and called to speak with an agent that told me the dispute was being worked on and it takes time. I soon received a report from the dispute saying it was denied. I called once again and was told they need a police report so I made a police report and send it in. The police XXXX and report said it was a scam and that the company should give my money back. Since then I called again and was told I couldn't do anything until I receive the letter from them in the mail about the investigation which I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am disputing the account with Portfolio Recovery Associates ( Balance : {$2900.00}, Opened : XXXX XXXX, XXXX ). I previously requested validation of this debt over 90 days ago, but the item was not removed and no adequate verification was provided. I request immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am filing an official regulatory complaint against Wells Fargo for failing to honor XXXX XXXX Dispute Rules, specifically XXXX Dispute Condition XXXX ( Services Not Received ). I paid a {$2800.00} deposit via debit card in XXXX for a landscaping project that was mutually delayed due to home construction. The expected start date was set to be XX/XX/year>. The merchant raised the price by {$1100.00}, and their written estimate explicitly states it 'does not constitute a contract or agreement ' and contains no non-refundable language.The merchant has performed 0 % of the work and has openly admitted in writing that they have done no work and hold any materials in their own warehouse inventory. Wells Fargo XXXX staff and supervisors have denied my dispute, incorrectly stating they can not go against a XXXX rule from the transaction date. This violates XXXX network rules, which explicitly allow up to XXXX days from the expected date of service delivery up to a XXXX maximum limit. I request that Wells Fargo immediately reopen the claim, review my uploaded evidence, and return my funds.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am disputing the account with Cavalry Portfolio Services ( Balance : {$4700.00}, Opened : XXXX XXXX, XXXX ). I previously requested validation of this debt over 90 days ago, but the item was not removed and no adequate verification was provided. I request immediate deleti

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: AL

Complaint narrative:
I have been a PayPal customer for several years. Recently, PayPal permanently limited my accounts and informed me that I can no longer use PayPal. When I contacted customer service, I was told that PayPal would not disclose the reason for the limitation and that the decision was final. PayPal is currently holding my funds, including approximately {$290.00} in one account and {$4.00} in another account, for 120 days. I have not been provided with a specific explanation for the permanent limitation or the lengthy hold on my funds. I contacted PayPal customer support and requested clarification and a review of the decision, but I was informed that no additional information could be provided. I am requesting that PayPal provide a clear explanation for the permanent limitation, review the decision, and confirm the exact date and process for releasing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Tate and Kirlin Assoc
State: MD

Complaint narrative:
I keep receiving emails and texts ( nothing has come in the mail to prove this debt ). From a Tate & Kirlin for a XXXX XXXX, XXXX stating I owe money and never purchased from them. I have googled the name and states both are a scam.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
Company : Affirm , Inc . Issue : Incorrect information on credit report Product : Installment loan / Buy Now Pay Later Bureau involved : Experian only Summary of the Problem Affirm , Inc. is furnishing inaccurate, incomplete, and misleading information to Experian regarding multiple Affirm accounts, including accounts that were sold but are still being updated by Affirm. Affirm is reporting : Incorrect payment histories Excessive and repeated chargeoff notations Continued updates after the accounts were sold Missing sold/transferred notation A balance and pastdue amount on an account that should not be reporting a balance Re-aging indicators and inconsistent dates These errors violate FCRA 602, 607 ( b ), 611, 623 ( a ) and XXXX XXXX reporting standards. I am requesting that the CFPB require Affirm to correct or delete the inaccurate accounts. Details of Each Affirm Account XXXX. Account XXXX Sold Account Still Being Updated Despite the sale, Affirm continues to update payment history and chargeoff notations. Payment history contains more months of chargeoff than the account existed, which is impossible. This violates FCRA 607 ( b ) ( maximum possible accuracy ) and XXXX XXXX guidelines. XXXX. Account XXXX Sold Account Still Being Updated Affirm continues to furnish derogatory updates after the sale. Payment history is factually inaccurate and does not match the actual delinquency timeline. Violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). XXXX. Account XXXX Sold Account Still Being Updated Affirm continues to report chargeoff months and updates after the sale. Payment history is inconsistent and mathematically impossible. Violates FCRA 602 and 607 ( b ). XXXX. Account XXXX XXXX XXXX and PastDue Amount Affirm is reporting a {$780.00} balance and {$780.00} pastdue amount. Affirm typically sells chargedoff accounts, but this account does not show sold/transferred. Affirm continues to update the account after chargeoff. The balance appears inaccurate, and the reporting is misleading. Violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: OH

Complaint narrative:
I keep getting contacted by waypoint resource group in regards to that I do not have with their company. I have told them to stop texting me on numerous occasions, and I am still getting text messages in regards to whatever debt matter. This has been going on for quite some time and I had ignore ant first and then they came back again.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint includes my car XXXX XXXX located in XXXX ca I was sold a XXXX XXXX XXXX because its been over 2 years I cant recall exact numbers But my down payment was taken and applied but total price didnt go down I was also told to sign contract and that I was approved they put an XXXX but I didnt know this was high until way later vehicle had higher mileage and tires were bad Vehicle also has a death wobble It wasnt until weeks later I believe I received a letter what my interest was and through what bank and its extremely high What I should of been told was I was going to be getting higher interest rates and that the vehicle had these issues this car agency was very untrustworthy and unreliable my records are all on XXXX XXXX I dont have the paperwork that same day I was sold another vehicle I was told I should purchase before my credit gets reported Turns out that vehicle had a bad transmission I returned it and car was paid off by dealer

Company response to consumer: Closed with explanation