vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed fraud claims with BMO regarding unauthorized XXXX XXXX XXXX transactions. The disputed transactions include dispute ID XXXX for a transaction dated XXXX in the amount of {$270.00}, dispute ID XXXX for a transaction dated XXXX in the amount of {$350.00}, and dispute ID XXXX for a transaction dated XXXX in the amount of {$240.00}. XXXX denied my claims stating that I was not claiming the transactions were unauthorized, which is false because I clearly reported all of these charges as unauthorized from the beginning. I also contacted XXXX XXXX XXXX directly, and they stated they could not locate the charges in their system and instructed me to dispute them with my bank. In addition, XXXX XXXX XXXX provided me with an emailed letter confirming they could not locate these charges in their records. I submitted this supporting letter to BMO, and despite this evidence, nothing changed and my claims still remained denied. I believe BMO failed to properly investigate my fraud claims and unfairly denied them despite the merchant being unable to verify the transactions. I am requesting that BMO reopen the investigations, correct the inaccurate denial reasons, and provide reimbursement for the unauthorized charges.

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 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavalry Portfolio Services , LLC has been reporting a collection account on my XXXX, XXXX, and XXXX credit reports since XX/XX/XXXX, showing a balance of {$4900.00} from original creditor XXXX ( account * XXXX ). This balance does not correspond to any XXXX account I recognize, and the tradeline lists " Last Payment Date : None '' which can not be accurate for a legitimate credit card account. On XX/XX/XXXX, I sent Cavalry a written debt validation demand via USPS Certified Mail. Cavalry responded on XX/XX/XXXX, dismissing my dispute as " lacking specific facts '' and providing XXXX documentation. On XX/XX/XXXX, I sent a second detailed dispute letter via USPS Certified Mail providing the specific facts Cavalry requested : ( 1 ) the {$4900.00} balance does not match any XXXX account in my records ; ( 2 ) account * XXXX is not recognized ; ( XXXX ) " Last Payment Date : None '' can not be accurate for a legitimate credit card. That letter was delivered XX/XX/XXXX. Cavalry responded on XX/XX/XXXX stating they had " reviewed the dispute and verified the information listed on the account '' and that the information they are reporting " is accurate. '' No supporting documentation was provided. I also disputed this account with XXXX twice. XXXX returned UNCHANGED after processing my first dispute in XX/XX/XXXX, and UNCHANGED again after processing my second dispute in XX/XX/XXXX. Cavalry is a debt buyer they do not hold original XXXX account records yet they are representing to XXXX that a {$4900.00} balance is accurate while being unable to produce any documentation to verify this figure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: FL

Complaint narrative:
I had multiple fraud pay anyone transactions on my account I contacted them next business day. Filed a dispute, they denied only saying no error occurred. I have filed with XXXX for the fraud complaint, federal trade commission, sent them multiple documentation and filed a fraud police report and rebutted their dispute decision 4 times since XX/XX/XXXX. They just keep emailing saying no error occurred. When I requested documentation for how they came to determine no error occurred all they did was sent back my documents I sent them as well as my monthly statement. I have spoken to supervisors in the dispute team and they confirmed that the accounts that received funds were fraud accounts and were closed but yet they refuse to handle my dispute and return my funds. When I ask to speak with someone in resolution department who makes dispute decisions Im told they cant talk to anyone. When I ask for actual documentation on how they can keep claiming no error knowing they had fraud accounts on their platform that have already clearly done this they send nothing. My disputes are being denied in less than XXXX hours every time which means they arent doing their part either. When I ask for a mailing address to send in formal complaint Im told they dont have one. Some supervisors have hung up on me saying sorry I dont agree with their decision but thats what it is. Highly unprofessional especially with all info I have sent as well as reports filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
This complaint concerns financing and continued credit furnishing related to a XXXX XXXX XXXX XXXX sold as a XXXX XXXX XXXX vehicle and financed through XXXX XXXX. The vehicle has experienced recurring repair-related concerns, suspension issues, electrical inspections, manufacturer customer satisfaction programs, and active safety-related recall issues involving the rearview camera/SYNC display system. Despite extensive repair history and ongoing disputes, XXXX continues furnishing adverse account information while minimizing the documented defect history associated with the vehicle. The vehicle was financed for approximately {$63000.00} at 9.49 % APR over 72 months despite defect-related concerns and materially impaired collateral value. This matter raises concerns involving : disputed credit furnishing, inadequate investigation of disputes, financing tied to defective collateral, Certified Pre-Owned representations, and unfair treatment of consumers attempting to resolve manufacturer-related defect issues. I request regulatory review of XXXX XXXX handling of this disputed account and related credit furnishing activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I bank with Chase and they repeatedly refuse to execute my wire transfers while also refusing to provide meaningful explanations or a resolution process. I attempted external wire transfers twice while banking with Chase ( XX/XX/XXXX and XX/XX/XXXX ). The XXXX transfer was international and the XXXX transfer was domestic. Both were relatively small amounts ( {$1000.00} and {$500.00} ) and both recipients were known to me. In both cases, I followed Chases instructions. Each incident resulted in four rejected attempts. Every time I contacted Chase, representatives stated the issue had been resolved or instructed me to retry the transfer after completing additional identity verification and acknowledgements. I would then spend approximately XXXX minutes on the phone, attempt the transfer again, and the transfer would again be rejected. Rejection also results in in me being locked out of my account and loosing access to my own money. My complaint is not simply that Chase declined transfers for fraud or security reasons. I understand banks may restrict transfers for risk-management purposes. My complaint is that Chase refuses to provide any meaningful explanation, refuses to provide written clarification regarding the issue, and refuses to provide a meaningful remediation or escalation pr ocess beyond repeatedly telling me to try again. I believe Chases repeated failure to provide meaningful error resolution, remediation, or escalation procedures may constitute unfair or deceptive practices under 12 U.S.C. 5531 and 5536. I am requesting : - A written explanation regarding why these transfers continue to fail ; - Clarification regarding whether my account or transfer functionality has been restricted ; - A meaningful remediation or escalation process ; and - Confirmation regarding whether Chase is actually willing and able to provide wire transfer services on my account going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by Central Research Inc concerning a student loan-related account currently appearing on my credit reports. The reporting being furnished is contradictory, misleading, and appears inconsistent among the three major credit bureaus. Examples include : XXXX and XXXX reporting the account as Pays account as agreed or Paid or paying as agreed while simultaneously reporting severe delinquency statuses. XXXX reporting the account as Current account/was delinquent 180 days or more past due. Different delinquency levels being reported across bureaus ( 120 days vs. 180 days delinquent ). Payment history showing periods marked OK followed by new severe delinquency reporting. This account appears connected to a student loan servicing transition, and I believe inaccurate delinquency information may have been improperly carried over, duplicated, or incorrectly updated during the transfer process. The reporting is misleading because the account simultaneously appears : current or paid as agreed, AND severely delinquent in a manner that continues damaging my credit profile. I disputed this information because under the Fair Credit Reporting Act ( FCRA ), information furnished to credit bureaus must be accurate, complete, and not misleading. I am requesting that Central Research Inc : conduct a reasonable investigation, verify the complete payment history, verify the actual delinquency dates, verify whether deferment or forbearance periods applied, explain the inconsistent reporting among the credit bureaus, and correct or delete any inaccurate or misleading information being reported. I also request documentation supporting : the reported delinquency levels, servicing transfer records, and the basis for continuing derogatory reporting while the account is simultaneously reflected as paid/current. If the information can not be fully verified as accurate and compliant with FCRA requirements, I request deletion of the inaccurate tradeline information from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2026, I received a payment of {$540.00} into my PayPal account as was discussed with a seller earlier. On XX/XX/2026, PayPal initiated a refund/chargeback for this transaction and classified me as a seller, even though I am only a buyer and do not sell goods or services. I did not authorize any activity that would justify a negative balance. I escalated the dispute and submitted supporting screenshots, including messages showing the sender confirming they would send me the money, as well as evidence that I am a buyer and not a seller. PayPal later stated that my evidence was invalid ; however, no explanation was provided at the time. I requested clarification on several points, including why I was classified as a seller, why my submitted evidence was considered invalid, why the case could not be manually reviewed, and why my account balance was made negative without my authorization. A PayPal supervisor was unable to provide explanations for these decisions and declined to proceed with a manual review. The case was ultimately resolved in PayPals favor without clear justification provided to me. I do not feel confident using PayPal under these circumstances due to the lack of transparency and inability to properly review the dispute. I am requesting a full reversal of the {$540.00} charge, correction of my account classification, and clarification of the actions taken on my account. * My interaction with a PayPal supervisor was conducted via phone and is recorded by PayPal and myself ( all parties were acknowledged ) ; during this call, I requested clarification and a manual review, which were denied without explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Capital one keeps auto declining my dispute evidence for a hotel room I stayed in with bed bugs and I have the pictures XXXX dollars case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX continued charging my credit card 10 consecutive months totaling {$160.00} after their own written notice dated XX/XX/XXXX confirmed the card was expiring and that continued billing required my affirmative action. I took no action deliberately. No updated authorization was ever obtained. My last facility visit was XX/XX/XXXX 18 months ago. The signed authorization form on file explicitly limited debits to one specific expired card only. The merchant 's own portal displayed the card as expired in red while charges continued. When formally notified in writing XX/XX/XXXX and XX/XX/XXXX with full documentation citing Texas DTPA 17.46 ( b ) and Regulation Z, they responded with form letters addressing XXXX substantive points and produced no authorization documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: TX

Complaint narrative:
Paypal has again taken money. There were disputes filed as far back as XX/XX/XXXX, paypal of course asked for information which I provided extensively, mind you I actually have the upgraded protection for sellers, each dispute ( 9 in total ) they not only stated that they would not cover it even though that is why they told me to get the better protection but they also took funds from my account as well as a charge back fee. Now the majority of these disputes were from buyers claiming unauthorized charges but I showed proof each time of the very person doing unboxing videos on XXXX with the alleged unauthorized item. I also included emails of people apologizing for filing stating they " jumped the gun " also gave every detail of order, shipment, communication etc. Those disputes are fraud against me yet paypal is allowing it. They are currently holding over XXXX in disputes. They claim it takes up to 10 days to reach a decision yet some of these are literally from XXXX still. XXXXne of the biggest ones is from my own filed dispute on a XXXX charge from a liquidator that scammed me and I filed with the ic3 on that situation due to that business committing fraud, wire fraud and counterfeit goods. I have provided every single thing yet they are leaving these cases open and not returning my money and allowing people to defraud me right and left. Paypal is a scam and it needs to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I am filing this complaint against First Hawaiian Bank ( XXXX ), account ending XXXX, regarding an improper reversal of a provisional credit in the amount of {$5800.00} and the banks failure to investigate or respond to my dispute. On or about XX/XX/XXXX, I made a payment from my XXXX deposit account to a XXXX XXXX credit card ( senior relatives account for which I hold XXXX ). The card issuer later imposed improper fraud blocks that prevented use of the card despite prior identity verification. I was unable to use the card and XXXX refused to communicate with me, hanging up on me as I tried to find out what was happening. I disputed the payment with XXXX as an erroneous electronic fund transfer. XXXX issued a provisional credit, then reversed it, claiming I received goods and services without reviewing any evidence from me or proving any actual goods or services were delivered, as I had no access to the card account until after I filed the complaint. On XX/XX/XXXX, I hand-delivered two detailed dispute letters ( attached ) to XXXX XXXX XXXX location : ( 1 ) disputing the chargeback reversal under Regulation E and citing UDAAP violations ; ( 2 ) requesting information on any SARs or internal flags from a XXXX elder-financial-exploitation incident involving the same senior relative. The bank has provided no response, no written findings, no documents relied upon, and no provisional re-credit as required. Instead, XXXX recently sent a certified letter threatening to send my account balance to collections. This violates : Regulation E ( 12 CFR 1005.11 ) failure to conduct a reasonable investigation, provide written explanation, or honor procedural protections. CFPA UDAAP ( 12 U.S.C. 5531 ) unfair, deceptive, and abusive acts, including possible retaliation based on the XXXX XXXX incident. Hawaii UDAP ( HRS 480-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: Block, Inc.
State: TN

Complaint narrative:
My account was closed stating I went against their guidelines with no explanation no answer to an appeal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
formally dispute the accuracy and completeness of the collection account currently being reported in connection with XXXX XXXX and/or FAIR COLLECTIONS & OUTSOURCING. This account has been disputed directly with the furnisher and collector. Despite multiple notices and demands for validation and method of verification, the account continues to be reported without sufficient supporting documentation. The reporting is inaccurate, incomplete, misleading, and unverifiable for the following reasons : 1. Failure to Provide Complete Validation The collector/furnisher has failed to provide : A complete itemized accounting of the alleged balance A full payment ledger Documentation establishing legal obligation A complete chain of assignment or authority to collect Documentation supporting the calculation of the reported balance 2. 3. 4. Continued Reporting After Notice of Dispute The account continues to be updated and reported despite formal disputes and requests for validation. Continued reporting of unverifiable information violates the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). Defective Verification Any prior verification appears to have been conducted without providing the underlying documents relied upon or the actual method of verification used. Generic or automated verification does not satisfy the requirements of a reasonable reinvestigation under 15 U.S.C. 1681i. Misleading and Inconsistent Reporting The same underlying debt appears connected to multiple entities and/or naming conventions, including XXXX XXXX and FAIR COLLECTIONS & OUTSOURCING, creating ambiguity regarding ownership, furnishing authority, and accuracy of reporting. I demand that you : Conduct a reasonable reinvestigation Provide the complete method of verification Identify all documents relied upon Delete the account if it can not be fully verified with competent documentation Please note that verification without review of competent underlying documentation may constitute willful noncompliance under the Fair Credit Reporting Act. I request deletion of this account unless complete and accurate documentation can be produced.On top of that I gave them a {$3000.00} security deposit when I moved in that they never returned so I don't even believe I owe this debt anyways

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 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management reported false information on XXXX. They listed credit card debt with an address of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. I have NEVER EVER lived at that address nor have I ever lived in that state! Acct number XXXX. Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX is reporting false information to the Credit bureaus and the credit bureaus are putting this false information on my credit reports.

Company response to consumer: Closed with explanation