vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding Regions Banks handling of my dispute and the reversal of provisional credit, which left my account negative and inaccessible. I disputed transactions connected to an online sweepstakes gaming merchant after a serious issue involving my account and winnings. The merchant had previously confirmed a {$10000.00} redemption request in writing, but later stated there was an issue paying it and then deactivated my account and forfeited the remaining coins. Because of that, I disputed the related transactions with my bank. Regions provided provisional credit during the dispute process, which led me to believe my claim was being properly reviewed. Later, that provisional credit was reversed after the merchant challenged the chargeback, and my account became negative. I have also had trouble accessing my account and need clear written information about my balance, dispute status, and the reason for the reversal. My complaint is not that Regions must decide whether I won money from the merchant. My complaint is that Regions reversed provisional credit and left me with a negative balance without giving me a clear and complete written explanation that I can review and respond to.

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 2026-03-16 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my Robinhood XXXX XXXX was charged {$1700.00} by XXXX XXXX XXXX ( Receipt # XXXX ) as the final installment for an XXXX trip marketed as a " white-glove, '' luxury, concierge-level experience. The services delivered were materially different from what was sold. Specific failures included : ( 1 ) incorrect room assignments across multiple hotels twin beds booked for couples and a solo traveler, requiring me to personally escalate to hotel managers at each property to resolve ; ( 2 ) luggage placed inside the vehicle last-minute, reducing passenger seating on long drives ; ( 3 ) inconsistent amenities not disclosed in advance; and ( 4 ) guide quality significantly below the premium standard represented. I attempted resolution directly with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. They denied my request and closed the case. I then filed a dispute with Robinhood ( Case ID : XXXX ). Robinhood denied the dispute, mischaracterizing my complaint as dissatisfaction with " crowded historical sites '' and " uncomfortable car rides '' which were not my words and did not reflect my documentation. Robinhood 's denial rationale was that I stayed for the duration of the trip, without evaluating whether the concierge-level service contracted was actually delivered. I escalated multiple times ; Robinhood 's final offer was a {$50.00} brokerage credit. I am disputing only this one installment of {$1700.00} not the full contract value as a proportional resolution for the documented service failures. I have been a Robinhood customer for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. XXXX XXXX and XXXX XXXX appearing on my credit report were opened without my knowledge or authorization. Under the identity theft provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that the fraudulent accounts be blocked from my credit file. I have enclosed my Identity Theft Report, proof of identity, and proof of address. Please block these fraudulent accounts from my credit report and provide written confirmation once the block has been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
In XXXX when checking my credit card statement. I noticed XXXX charges for XXXX tickets for XXXX XXXX that I did not purchase. USAA immediately credited my account for purchase of tickets and informed me they had 90 days to investigate. Last evening I received email stating their investigation complete and I am responsible for charges I had reported crime to XXXX XXXX police. As I said the officer emailed USAA LAW ENFORCEMENT via Email and officer told me USAA ignored his inquiry. I plan to contact USAA tomorrow when they open for regular business.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I OPENED BUSINESS CHECKING AND MERCHANT SERVICES WITH CHASE BANK. I CHARGED MY CLIENTS CARDS FOR SERVICE I PROVIDED AND THERE WERE NO ANY DISPUTES OR COMPLAINTS, BUT CHASE BANK DISCRIMINATED ME AND PUT HOLD ON MY FUNDS FOR NO REASON AND ALSO FREEZED MY CHASE BUSINESS CHECKING ACCOUNT WITH BALANCE OF {$12000.00} AND IS NOT RELEASING MY FUNDS. BECAUSE OF THIS MY BUSINESS STOPED WORKING. THIS IS TOTAL DISCRIMINATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
Please see the attached Statement of Facts and Evidentiary Exhibits for the complete, documented timeline of violations. XXXX XXXX XXXX and XXXX XXXX are operating a mail-merge and compliance system that is dangerously incompetent. By blindly merging records based on a shared last name, from a letter explicitly stating a mistake has been made, they have weaponized the Complainant 's identity, compromised the Complainants credit report, caused the Complainant additional stress and labor required to correct the error, caused the Complainant to spend the additional time and labor required to report their incompetence to the relevant government oversight agencies, and severely compromised the financial and personal privacy of a Texas resident. Resurgents agent, Shepherd Outsourcing, utilizes an Automatic Telephone Dialing System ( ATDS ) without prior express authorization to systematically engage in predatory collection practices. A competent company in compliance with the FDCPA would not have such internal failures absent intentional internal policy or gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: AL

Complaint narrative:
On XX/XX/XXXX, I made an online purchase from a website that appeared to be a XXXX XXXX outlet. Two charges posted to my Chime account, {$100.00} and {$25.00}, totaling {$130.00}, but the merchant descriptors were XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX in XXXX XXXX, which did not match the website I used. After the purchase, I received order and shipment emails using generic XXXX XXXX branding and non-official domains, including XXXX and XXXX. On XX/XX/XXXX, after I still had not received the order and believed the site was fraudulent, I contacted the merchant and then filed a dispute with Chime. The merchant gave me a tracking number, but the tracking information was inconsistent and unreliable. XXXX XXXX listed XXXX XXXX, another listed XXXX XXXX, and XXXX XXXX did not recognize the tracking number. The only delivered results came from third-party tracking sites and showed only a city or ZIP code, not my address, signature, or delivery photo. I never received the merchandise. Chime denied my first dispute on XX/XX/XXXX with No billing error found. I filed a second dispute on XX/XX/XXXX with additional evidence, and Chime denied it again on XX/XX/XXXX without adequately addressing the merchant mismatch, fake website indicators, unreliable tracking, or non-delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: LEXISNEXIS
State: CA

Complaint narrative:
social security, ID, bank info and social security have been compromised in multiple data breaches, I need to remove all negative information from my profile. over XXXX in debt and I can not pay this and am not able to open any cards under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was reviewing my closing paperwork while completing my taxes and realized in XXXX when I purchased my property that the closing disclosure notes my points paid at closing as 1.79 % from the original 7.15 % approval rate which should have brought my interest rate down to 6.70 % and unfortunately the bank didnt apply the full amount of points paid and charged me 7 % interest on the lifetime of a 30 year loan. I feel this is unfair practice and should not be legal. When I asked my loan officer about this he advised me I needed to contact the XXXX department about it. Im currently going through foreclosure due to loss of income but I applied for mortgage assistance with the lender/bank and am waiting to see if Im approved. I dont want to rock the boat with the lender or allow this complaint to affect the lenders decision in approving the mortgage assistance so Im notifying you directly! I emailed the loan originator on XX/XX/XXXX and he responded back on XX/XX/XXXX with the following message : Good morning, I am unable to properly answer these questions. For questions on existing mortgages, please contact mortgage customer service at XXXX. XXXX XXXX | XXXX XXXX XXXX XXXX | NMLS # XXXX Direct : XXXX | Fax : XXXX | XXXX Please let me know next steps to getting the bank to correct my interest rate and provide a credit back for the last 3 years for the additional interest I was charged at .30 %. I did provide the loan officer a copy of the closing statement which both shows 1.79 % points paid but then instead of noting my interest rate at 6.70 % they note it at 7 %. I have an estimate right before I purchased from my loan officer and my approval letter showing the rate I was locked in for prior to closing! If you need additional info please give me a call. Feel free to leave a message if Im unavailable and I will call you back ASAP! I look forward to speaking with someone soon Thank you kindly and have a good week ahead!

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 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account information is listed as follows : Collection Agency : ONLINE INFORMATION SERVICES COLLECTIONS Account Number : XXXX Original Creditor : XXXX XXXX Amount Reported : {$1600.00} Date Reported : XX/XX/year> * XXXX dispute this account because I do not believe the information is accurate and/or properly verified. In particular, I request that conduct a reasonable investigation into this account and verify : That this debt belongs to me, That the balance of {$1600.00} is accurate, That the date of first delinquency is correctly reported, That the collection agency has proper authority to report this account, and That all information being furnished is complete and compliant with the Fair Credit Reporting Act. If can not verify this account with competent evidence, please delete it from my credit file immediately. Please also provide me with the results of your investigation and a corrected copy of my credit report if any changes are made. If needed, please notify me of any additional information required to complete your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Chime Financial Inc
State: CA

Complaint narrative:
I bank with chime also known as The XXXXXXXX XXXX XXXX. I reported unauthorized payments on my account after my card was stolen a little over XXXX dollars worth that I did not make and they automatically denied my claim no time was given to review it or anything I tried emailing the company about my claim on why they denied it or gave little time into it and no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have secure loan on my credit report that should have came off after seven years and is still reporting on my credit report and I also have a paid of loan, but its still showing that I havent paid it off. I have the paperwork to prove that I paid it off

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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Under the fair act capital one raised interest rates on my credit cards that i did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A travel company XXXX XXXX XXXX XXXX XXXX contacted me via telephone and scheduled a group XXXX call. They offer discounted travel and recreational services with the offer of a XXXX stay. Needless to say, loggin in was an issue and the services were not less than direct with the vendor. They said, you can cancel if the service doesnt work for you and I did, I continued to tell the callers on the phone as well. There was an initial fee of {$190.00} charged to my card. After a few months, I noticed multiple charges from XXXX XXXX which was through XXXX XXXX XXXXXXXX. I contacted my credit card company, they investigated and removed the charges. XXXX XXXX placed it on my credit report and sent me a contract to sign. I did not authorize any on going charges or sign any document. This service did not work for me, what was advertised wasnt the case and I didnt use the service, and ai communicated this with many representatives via telephone.

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I am requesting a reinvestigation of the unauthorized transactions on my account. The transactions happened while I was incarcerated and did not have possession of my Chime card or access to my account. My card was taken and used without my permission while I was in XXXX. I already submitted proof showing the dates I was incarcerated, which confirms I could not have made these transactions myself. Because of this, I am asking for a full review of the investigation and reimbursement of the unauthorized charges. Please provide the transaction details, how the investigation was conducted, and reconsider my dispute based on the evidence I submitted. If needed, I can provide additional documentation confirming I was XXXX during the time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Requested Resolution - Prorated Interest Owed Upon Account Closure I am submitting this complaint regarding the unpaid prorated interest associated with the closure of my American Express Business Checking account. Interest was properly credited to my account on XX/XX/XXXX, under the stated annual rate of 1.2 %. However, the account was not closed until XX/XX/XXXX, at which time a bank check was issued for the remaining balance of {$100000.00}. Because the funds remained in American Expresss possession from XX/XX/XXXX through XX/XX/XXXX, interest should have continued to accrue during that period under the accounts stated 1.2 % annual rate. No prorated interest was credited for those seven days. At the applicable 1.2 % annual rate, the unpaid interest for those seven days totals {$25.00}, creating a clear accrual mismatch between the final credited interest date and the actual date funds were disbursed. Accordingly, I request : Payment of {$25.00} in prorated interest for XX/XX/XXXX Written confirmation of how the final interest was calculated upon closure Confirmation that all interest earned while the funds were held has now been fully paid This request concerns only the prorated interest earned while American Express retained possession of my funds following the last interest credit date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX, .ABILITY RECOVERY SERVICE, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account shows multiple late payments being reported to the credit bureaus. I believe these entries are inaccurate and/or were reported without proper investigation. I have attempted to resolve this issue directly with these companies but have not received a satisfactory resolution. These late payments are negatively affecting my credit profile. Under the Fair Credit Reporting Act, furnishers of credit information are required to report accurate information and conduct a reasonable investigation when a dispute is raised. I am requesting that XXXX conduct a full investigation of the reported late payments on my account. If these companies can not verify the accuracy of the late payments, I am requesting that they be removed from my credit reports with XXXX XXXX, and XXXX immediately. I am also requesting written confirmation of the results of the investigation and correction of any inaccurate reporting.

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 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Freedom Mortgage My lender failed to escrow my taxes from XX/XX/XXXX to XX/XX/XXXX. XXXX Bank my original lender sent me a letter last year that Freedom Mortgage was taking over my loan and responsibility of escrow and insurance. I was never asked by XXXX bank .I now owe over {$8000.00} in backed property taxes. My mortgage went from {$2000.00} to {$3300.00}. I now have to pay double escrow for 12 months.

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