vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I sent my XXXX girlfriend ( who lived with me ) XXXX through cashapp, and they claimed it was illegal based on the note attached. I said " for send to XXXX '' which was a joke because it was for her mother to have groceries. I requested to know when they would reach a decision to send or cancel the transfer. They refused to provide a date or timeframe. Cashapp - transaction sent from me on XXXX XX/XX/year> Transaction ID- # XXXX I did not realize there was an embargo and that it would be flagged and held for saying XXXX. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
My bank checking account with Chime alerted me of possible fraud XXXX XXXX when I checked my account and 52 transactions had been made from a company called XXXX. I filed a dispute and called chime. {$470.00} was the total of the 52 transactions that were not authorized by me, my card never left my wallet and my phone was with me the entire time. I do not know how this company got my information and I told Chime this. They denied my dispute saying they found no errors with the transactions so I called them again and asked them if the investigated and saw that I have never had a transaction to or from this XXXX company. They say they would have someone contact me in 10 days. But I have already waited 7 days. I just want my money back so I can close all my accounts with them. I do not understand how Chime can alert me of possible fraud, then deny my dispute when it is so obvious that I would not authorize 52 transactions in 3-5 minute intervals to a company I have never before used. I've had my account for a few years so they had plenty of data to look at to see I have never paid this merchant that stole {$470.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
Opened checking account with Chime 'bank ' and sent valid direct deposit for promotional account bonus. Was told it the direct deposit of my paycheck is not honored for the promotion. They got a network of companies accepting direct deposit for the promotion, plain and simple. Mine was not part of the network.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I started my first business account at Chase, this allowed my first line of credit in the form of the XXXX Unlimited card for my business and an XXXX XXXX card. I was a loyal customer for almost a full year with no issues and regular deposits to my accounts via XXXX, XXXX, XXXX, and other various transfers. When my mother sent a XXXX payment from her account to mine for {$3000.00} that she owed me prior they sent an email the very same day stating my checking account and chase prime cards were all being terminated alongside my XXXX XXXX accounts as well. We went in person to speak to the branch XXXX to get a better idea as to why this was happening and what we could do about it but we had no meaningful communication from Chase support or bankers on the matter, they only stated it could not be reversed and they had no idea why this was occurring. I did manage to get one small bit of information from a Chase phone support representative which was my business Ink card would not be included in the closure... this was a lie. They closed it the same day as the XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Citi XXXX credit card and noticed unauthorized charges that I did not make. I reported the fraud multiple times to Citi and filed several disputes. Citi replaced my card multiple times, but unauthorized charges continued to appear. Because the fraud kept happening, I eventually closed the account. Even after closing the account, I am still receiving billing statements and emails asking me to pay a balance of {$4600.00}. This balance includes charges that I previously reported as fraudulent. I no longer have access to the mobile app/account, which makes it difficult to review details. I am requesting that Citi review all previous fraud reports and disputes, remove unauthorized charges and related interest/fees, and stop attempting to collect payment for charges I did not authorize.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
Opened a checking account with US Bank. Bank failed to honor the account opening and maintenance promotion after the promised date.

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 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Someone hacked my chime account so I had them close it and issue me out a check with was XXXX XXXX the check apparently is suppose to take 30 days .. here it is XX/XX/XXXX and I havent received any thing they are just holding money that I worked hard for now Im currently in a XXXX with my child until my check comes and its not here still .. Im tired of struggling I dont deserve this and when I call they hang up on me or never wan na help me it sucks man

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
My loan servicer has made me fill out the paperwork so many times even people in HR are asking me why they need to meet with me to do it again. I finally got them to say XXXX months ago that my forgiveness was being transferred to the dept. of education for review. I got an email that I put future dates on the form. I absolutely did not and my principal wouldnt have signed it had I did. I believe they want me to give up and just pay them. I will never give up. I worked in a title XXXX school for 5 years and followed there procedures to deserve this forgiveness. Im completely discouraged by their practices.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am the victim of identity theft. The debt being reported in my name was not opened, authorized, or incurred by me. I did not give the creditor or any debt collector permission to access or use my consumer report for this account. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for a permissible purpose. Because this account was created through identity theft, no permissible purpose existed for obtaining or using my credit information. I provided the creditor/collector and the credit reporting agencies with an identity theft report and documentation showing that this account does not belong to me. Under 15 U.S.C. 1681c2, the credit reporting agencies are required to block all information that results from identity theft within four business days of receiving proper documentation. Despite this, the account continues to appear on my credit report and is being used to attempt collection. I have repeatedly disputed the account and requested blocking under 1681c2, but the company has failed to remove or cease reporting the fraudulent information. Their continued reporting and collection attempts are harming me financially and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require the company and the credit reporting agencies to : Block and remove all information related to this identitytheft account Cease all collection activity Confirm in writing that the account has been permanently removed from my credit file I am exercising my rights under the FCRA and requesting enforcement of 15 U.S.C. 1681b and 15 U.S.C. 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear Sir/Madam, I am filing a complaint regarding a misleading credit card promotional offer involving XXXX XXXX XXXX and American Express . During my XXXX flight booking, XXXX website prominently displayed an offer for the XXXX AMEX card with a {$500.00} statement credit. I saved the offer terms, and my husbandwho applied at the exact same time from the same offer pagewas approved and received the full {$500.00} credit. My own application was initially declined. I contacted AMEX support, and the representative ( chat transcript attached ) confirmed the same {$500.00} offer and stated that the only issue was that my credit file was locked. After unlocking my credit file and reapplying twice, I was finally approved. However, after approval, AMEX issued only a {$300.00} statement credit. When I contacted them, they claimed that every client has a different offer, and mine was {$300.00} which directly contradicts : -- The offer displayed on Deltas website at the time of application -- The saved terms I downloaded -- The AMEX representatives chatted confirmation that I was eligible for the {$500.00} credit -- The fact that my husband received the full {$500.00} from the same offer I believe AMEX is misrepresenting promotional terms and selectively applying a lower credit amount despite clear evidence of the advertised {$500.00} offer. This appears to be an unfair and deceptive practice, especially since the offer originated from XXXX website and was confirmed by AMEX in writing. I am attaching : -- The credit card terms displayed at the time of application -- The AMEX chat transcript confirming I was eligible for the {$500.00} credit. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, a transaction with XXXX completely failed due to the merchant 's own systemic errors. My bank is now threatening to allow XXXX to charge/take {$460.00} from my account on XX/XX/XXXX based on this failed transaction. The merchant made fulfillment entirely impossible by issuing contradictory instructions leading up to the event : XX/XX/XXXX : The merchant explicitly emailed me stating this was a physical wristband sale and that they were waiting on the buyer 's shipping address. XX/XX/XXXX : I acted completely in good faith and proactively messaged the buyer directly to coordinate getting the wristband to them, but the buyer never responded. XX/XX/XXXX ( XXXX of the event ) : The merchant completely changed the terms of the transaction. They suddenly flipped it to a digital transfer and gave me an impossible 1-hour deadline to complete it, causing the transaction to fail. Because of the merchant 's bait-and-switch instructions on XX/XX/XXXX, the transaction could not be completed. I never attended the event, I was blocked from transferring the ticket by the merchant 's system, and I received absolutely XXXX value or payout. I submitted explicit email and screenshot evidence of this timeline to my bank to dispute the upcoming XX/XX/XXXX charge. However, a bank dispute supervisor refused to review the evidence properly and gaslit me, claiming " a service was provided '' simply because a ticket existed, entirely ignoring that the merchant 's own sudden rule change on XX/XX/XXXX made compliance physically impossible. The bank is failing to properly investigate documented merchant error and is refusing to protect my funds. I am seeking a full, permanent block/reversal of the {$460.00} charge scheduled for XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I live in XXXX AZ and XXXX XXXX hired a law firm to sue me after 7 years of statute of limitations. Not sure why XXXX court allowed this after its statute of limitations? What do I do with this even thought I did reply to the court in XXXX stating that this debt has been XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
am filing a complaint regarding inaccurate and excessive credit reporting by Nelnet concerning my student loan accounts. Nelnet is currently reporting approximately 13 separate entries/accounts on my credit report related to my student loans. The reporting appears duplicative, misleading, excessive, and damaging to my credit profile. The multiple tradelines significantly increase my debt appearance, negatively impact my credit utilization/history, and create confusion regarding the actual number of accounts owed. I believe the reporting may be inaccurate, improperly duplicated, or improperly segmented in a way that unfairly harms my credit standing. I am requesting that Nelnet and the credit reporting agencies : Conduct a full investigation into all reported Nelnet tradelines Remove any duplicate, inaccurate, excessive, or misleading accounts Correct the reporting to accurately reflect the true number and status of my student loan obligations Provide complete verification and documentation for each separately reported tradeline If the accounts can not be fully verified as accurate and legally reportable under the Fair Credit Reporting Act, they should be deleted immediately. The continued reporting of multiple potentially duplicate accounts is causing ongoing harm to my creditworthiness and financial opportunities. I request prompt investigation and written confirmation of the corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this formal dispute regarding inaccurate, incomplete, and potentially unverifiable information currently being reported on my credit files maintained by Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA XXXX ( b ) and XXXX ). Upon reviewing my consumer reports, I identified a late open account reporting from XXXX/ THE XXXX BANK that raises concerns regarding the accuracy, completeness, and proper verification of the reported payment history. Specifically, the XXXX/ THE XXXX BANK account ending in XXXX is being reported with a balance of {$69.00}, an account opening date of XX/XX/year>, and reported delinquencies of 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. I dispute the accuracy and completeness of these reported late payment entries, as I have not been provided with sufficient supporting documentation verifying the underlying billing records, due dates, payment posting history, or the correctness of the reported delinquency timeline. The reporting of delinquency information must be based on accurate and verifiable account data, including complete payment history records and proper application of due dates and payment posting dates. Any inconsistencies, incomplete records, or lack of proper verification may result in a materially inaccurate representation of my credit history and raises concerns regarding compliance with the Fair Credit Reporting Act, including XXXX ( b ), which requires maximum possible accuracy, and XXXX, which requires a reasonable reinvestigation of disputed 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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
NOTE : This is a NEW complaint distinct from my prior complaint XXXX which covered different violations. I opened an Upgrade installment loan in XX/XX/XXXX and enrolled in a Payment Protection benefit plan, paying premiums since account opening. I became involuntarily unemployed confirmed by the XXXX Workforce Commission which is exactly what the Payment Protection plan was designed to cover. Despite being enrolled and paying premiums, Upgrade never honored the benefit, and my account fell behind and was charged off. On XX/XX/XXXX and XX/XX/XXXX, I contacted Upgrade by email requesting written resolution options for the charged-off account. Upgrade refused both times, stating they can not discuss options by email and directing me to call. Upgrade confirmed in writing the account is charged off but not yet sold. Upgrade has reported 30, 60, and 90-day late payment notations to XXXX. These delinquencies were caused directly by Upgrade 's failure to honor the Payment Protection benefit I paid for not by willful non-payment. I have filed a formal FCRA dispute with TransUnion on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, my PayPal account was permanently limited immediately after I completed identity verification requested by PayPal. Earlier that day, I received a payment after sending another PayPal user a payment request. PayPal initially flagged the transaction, so the sender completed the payment using Buyer Protection. Shortly afterward, PayPal sent notices stating that my funds were being held because I was considered a new seller and that additional verification information was required. I immediately complied by submitting a live face scan and a valid government-issued drivers license. I had also previously submitted identification to PayPal during a legal name change review. At approximately XXXX XXXX on XX/XX/year>, PayPal emailed me stating that my information was being reviewed and that I would receive an outcome within approximately three business days. However, at the exact same time, I simultaneously received two separate permanent deactivation notices containing conflicting reasons for the account closure. I escalated the matter to PayPal Executive Office and provided supporting documentation. PayPal later responded that the closure decision was final but did not provide a clear explanation of the specific activity allegedly constituting fraudulent or high risk behavior. PayPal is currently holding {$190.00} in my account for up to 180 days. I believe the account may have been incorrectly classified by automated risk systems, particularly because the payment was processed as a seller-style transaction despite not operating a traditional business or merchant service.

Company response to consumer: Closed with explanation