vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed the inaccurate reporting of the Bank of America account ending in XXXX on XX/XX/year>. This account is being reported with conflicting, incomplete, and inconsistent information across the credit bureaus. The dates, balances, payment history, and remarks do not match each other or the account 's actual history, and some required data is missing entirely. These discrepancies indicate that the information being furnished is not accurate or verifiable. I requested an investigation and correction, but Bank of America did not provide the required information or resolve the inaccuracies. I am requesting that the reporting be corrected to reflect accurate, consistent, and complete 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 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND

Complaint narrative:
I created a USAA checking account around early XXXX. I was locked out of my account and when i contacted USAA directly i was told that I was locked out for a reason and they were unable to lift it or tell me why.

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Since XX/XX/year>, Experian has been charging my XXXX XXXX ( XXXX XXXX ) $ XXXXmonth, later increased to $ XXXX/month in XX/XX/year> without any notice. Total charged to date : approximately {$270.00}. I have no access to the account associated with these charges it appears to be linked to an email address I do not recognize. I receive no receipts, no billing notifications, and no communication from Experian whatsoever. I was never clearly informed I was enrolling in a paid subscription. I have made repeated attempts to contact Experian to cancel and resolve this issue. I have called their customer service number multiple times, but their automated phone system consistently prevents me from reaching a live representative it loops through menus with no option to speak to a person. I have also attempted to log into their website to cancel the subscription, but I can not access the account because it is associated with an email address I do not recognize and do not have access to. Every available cancellation path requires account access that I do not have. Despite these repeated efforts over many months, the charges have continued uninterrupted. I have been unable to cancel because : ( 1 ) I can not log into the account, ( 2 ) Experians phone system repeatedly blocks access to a live representative despite multiple call attempts, ( 3 ) there is no cancellation path available to someone without account access, and ( 4 ) Experian provides no alternative way to reach a human agent. I am requesting that the CFPB investigate this matter and require Experian to cancel the subscription immediately and issue a full refund of all charges totaling {$270.00}.

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 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
See prior complaint XXXX despite them having ability to reach me regular mail they continue to email me and call him. My loan is not past due. My loan is not it is in any communications they want to have with they must be made and fail. I do not have an active email account access. It cost me every time I want to use the Internet to go on and retreat. Email they continuously send emails that are not needed and can easily be handled as postal service. I dont know what to do. Stop this stupid motherfuckers from causing me for expenses. Please make that stop

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Formal Complaint and Request for Review Mishandling of Capital One Fraud Claim and Account Closure Chronological Timeline of Events Early XX/XX/year> : A debit card was reported missing after being inadvertently left behind at a bar in XXXX, MD. The cardholder immediately canceled the card with Capital One as missing or stolen. XX/XX/year> : Upon reviewing the account, an unauthorized {$20.00} ATM withdrawal and an attempted suspicious {$850.00} check deposit at a Capital One ATM near the bar were discovered. XX/XX/year> : After the check cleared, it was confirmed to be a stolen, altered check with the cardholders name fraudulently added. A fraud claim was promptly opened with Capital One, and all relevant details were provided. The cardholder also spoke directly with Capital Ones fraud prevention team. XX/XX/XXXX & XXXX, XXXX : The cardholder received brief email notifications : first, that the claim was closed, and then that it was denied due to authorization and/or participation in the transaction activity, implying complicity without evidence. XX/XX/year> : Capital One removed the {$850.00} provisional credit and closed the joint checking and savings accounts. XX/XX/year> : An in-person meeting was held with a Capital One Multi-Branch Manager, providing further documentation and a detailed timeline. The manager assured escalation of the matter. XXXX XXXX : Despite repeated follow-ups by phone and email ( most recently on XX/XX/XXXX ), no further response was received from the Branch Manager, the branch, or Capital One Corporate . Documentation of Bank Failures Lack of Communication : No substantive follow-up or explanation was provided after the claim denial, despite efforts to supply additional evidence and seek clarification. Unreasonable Investigation : The denial cited authorization and/or participation without considering clear evidence that the card was lost and used without the cardholders knowledge, and that the PIN could have been easily guessed due to its simplicity. Failure to Meet Legal Obligations : Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, banks must conduct a reasonable investigation, provide written explanations for denials, and can not use consumer negligence ( such as an easily guessed PIN ) to increase liability or infer authorization. The burden of proof is on the bank to show the transaction was authorized, not on the consumer to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized withdrawals from my Chase checking account to pay a credit card account that does not belong to me. I was previously married to the primary cardholder. During our marriage, we shared a joint checking account. However, my ex-husband was removed from my checking account prior to our divorce, and our divorce was finalized approximately six months ago. In the past several months, Chase has allowed automatic payments to be withdrawn from my checking account to pay a Chase credit card account for which I am not a joint account holder. I was only an authorized user on the credit card account and was never financially responsible for the debt. The unauthorized withdrawals have occurred at least twice and exceeded {$1000.00} each time. These withdrawals caused significant financial hardship. Although Chase has sometimes reimbursed the funds after investigation, it has taken several days to more than a week to receive reimbursement, leaving me without access to my money during that period. I disputed these transactions with Chase and explained that I never authorized my checking account to be used to pay this credit card account after my ex-husband was removed from my account. Chase denied my dispute and stated that the payments were authorized because I was a signer or authorized user. However, I do not believe that being an authorized user on a credit card gives Chase the right to withdraw funds from my personal checking account without my express written authorization. I have requested that Chase provide documentation showing the authorization they are relying upon, including any express written authorization permitting withdrawals from my checking account to pay this credit card account. To date, I have not been provided with documentation that demonstrates I authorized these transactions. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Chase to : 1. Provide a copy of any authorization they claim permits withdrawals from my checking account. 2. Explain how these automatic payments were established after my ex-husband had been removed from my account. 3. Reimburse any unauthorized withdrawals and any related fees or damages. 4. Ensure that no future payments for my ex-husbands obligations can be withdrawn from my accounts without my authorization. Thank you for your assistance in resolving this matter. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a {$2100.00} promotional purchase on my Synchrony Bank credit card under a 12-month " deferred interest/ no interest if paid in full '' promotion that expired XX/XX/XXXX. On XX/XX/XXXX I made a second promotional purchase of {$310.00} under a 12-month deferred-interest promotion that expired XX/XX/XXXX. The two purchases totaled {$2400.00}. I did not pay the full promotional balances by the expiration dates, so Synchrony retroactively charged deferred interest on the entire original purchase amounts back to the XXXX purchase dates, and the balance has carried at a 26.99 % APR ever since. To date, Synchrony has charged me {$5300.00} in interest on {$2400.00} in purchases more than double the amount borrowed. Over roughly eight years of payments, only {$950.00} has been applied to principal, and my balance is still {$1500.00}. A recent statement ( XX/XX/XXXX ) shows a {$35.00} interest charge against a {$52.00} automatic payment, so roughly two-thirds of each payment goes to interest while the principal barely moves. The deferred-interest structure combined with the minimum-payment schedule has produced a cost grossly disproportionate to the original purchases, and I am requesting relief on the remaining balance.

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 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am reporting unauthorized transactions on my Chime account. On XX/XX/XXXX, between approximately XXXX XXXX and XXXX XXXX, several charges were posted related to XXXX. The company states they do not see these transactions on their end and claims no accounts were added to my previously closed account. However, the transactions are showing on my Chime bank statement as posted charges. I contacted both XXXX and Chime regarding the issue and filed a dispute with Chime, but my dispute was denied. The merchant is also denying any record of the activity, and the issue has not been resolved. I am requesting a full investigation into these transactions and a refund of the disputed charges, as I did not authorize them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
" I am filing a complaint against XXXX/PayPal . My account was suspended without warning, without explanation, and without due process. I have {$50.00} frozen in my teen account that I can not access. When I contacted customer support by phone they were unable to help me. When I emailed, I received a response stating the email is unmonitored. I was told to wait 3-5 days for steps via email with no guarantee of resolution. XXXX has provided no clear reason for the suspension, no timeline for resolution, and no accessible path to recover my funds. This constitutes unfair and deceptive business practices. I am requesting immediate reinstatement of my account or release of my {$50.00} balance. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit file.

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 2026-06-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Credit Card Fraud Dispute LetterSubject : Appeal of Reversal / Unauthorized Charges Resulting from Armed RobberyPolice Report Number : XXXX ( Command : XXXX ) To Whom It May Concern, I am writing to formally dispute the credit card company 's decision to reverse my provisional fraud credits and hold me fully liable for unauthorized purchases made after an armed robbery.On XX/XX/year>, at approximately XXXX, I was working as an XXXX driver. I accepted a ride request and arrived at the pickup location in front of XXXX XXXX XXXX. Upon arrival, I was ambushed and robbed at gunpoint. The perpetrators stole my phone and my physical wallet, which contained my credit card.A formal police report was filed regarding this violent crime. The details of the official police complaint are : Complaint Number : XXXXReporting Command : XXXXXXXX XXXXReporting Officer : Officer XXXX XXXXIncident Location : Front of XXXX XXXXXXXX XXXXIncident Date/Time : XX/XX/year>, at XXXXThe robbers immediately took my stolen credit card on XX/XX/XXXX and made multiple unauthorized purchases at the XXXX XXXX. The credit card company initially provided me with provisional credits for the fraud. However, they later reversed those credits and charged the full amounts back to my account on the following dates : XX/XX/year> : Reversal of three XXXX XXXX charges ( {$650.00}, {$650.00}, and {$400.00} ) UNRESOLVED / CHARGED BACKXXXX XXXX, XXXX : Reversal of the final XXXX XXXX charge ( {$650.00} ) UNRESOLVED / CHARGED BACKAs of right now, I have received XXXX permanent refunds. The bank is holding me responsible for all four fraudulent transactions totaling $ XXXX.Because my physical card and phone were stolen by force during an armed assault, none of these transactions were authorized, made, or benefited from by me. Under the Fair Credit Billing Act, a consumer 's liability for a stolen physical card is strictly limited, and it is unacceptable for a financial institution to hold a victim of an armed robbery liable for a criminal 's spending spree.I am requesting that the credit card company immediately review the attached police report details, reverse these chargebacks, and permanently credit my account for all four unauthorized transactions.Thank you, Complainant Information : Balvir XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: CL Holdings LLC
State: AL

Complaint narrative:
Bought an old acct, threatening letters communication, dont have original account info. Is this legal? Dont have permission to take action or to buy account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a Fraud Alert call from TD Bank and went through their Artificial Inteligence driven prompts listing approximately Ten recent debit card transactions.Of the ten, one of them I identified through their computer driven system as one transaction that I did not immediately recognize.As a result TD Bank took it upon themselves and without any further input from me to deactivate my card .They gave a number where I could dispute their decision to deactivate my card .When I called that number " XXXX " refused to assist me .I was referred to " XXXX ", a Resource Officer who refused to assist me with reactivating my card .I would not be allowed to visit a Local TD Bank branch and would have to wait five to ten business days for my New card to be mailed.This deactivation compromises my link at least five or six other accounts linked to my TD Bank account.I am contending that TD Bank 's actions were unauthorized and predicated on compromising my banking privileges as well as my capability to handle my own business affairs. Both " XXXX " and " XXXX " were insistent in asserting that my card could not be reactivated .Something that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Im not sure who this debt collector is trying to get me to pay it off. Ive never signed up for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a XXXX debt that has no proof it's my debt I sent certified mail to remove debt but haven't heard anything it's been 60 days since I sent certified mail

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
Recovery management services did not provide the documents that were signed. The documents that were signed had mistakes on it. Recovery management services must provide the pages that were signed and attach them here.

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 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I dispute the alleged debt that Resurgent Capital Services is attempting to collect on behalf of LVNV Funding LLC. I have previously disputed this account and requested validation and verification of the debt. Despite my repeated disputes, I have not received sufficient documentation establishing the validity of the debt, the basis for the amount claimed, or an adequate explanation of the methods used to verify the information being reported and collected. The account has been the subject of multiple disputes with the original creditor and consumer reporting agencies. I have raised concerns regarding the accuracy of the information associated with this account and have requested supporting documentation. Nevertheless, collection activity continues. On XX/XX/year>, I received a collection letter from Resurgent Capital Services regarding an alleged balance of {$1700.00}. I continue to dispute this debt and do not believe the collector has provided adequate evidence supporting the validity and enforceability of the alleged obligation. I am requesting a full investigation and complete validation of the debt before any further collection activity occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am filing this complaint regarding Jefferson Capital Systems , LLC. Jefferson Capital Systems is attempting to collect and/or report an alleged debt ; however, they have failed to identify the original creditor associated with the account. As a consumer, I am unable to verify whether this debt is legitimate because essential information regarding the origin of the alleged obligation has not been provided. The account is being reported and/or collected without sufficient information for me to determine its accuracy. Specifically, Jefferson Capital Systems has not disclosed the name of the original creditor, the chain of assignment or transfer of the alleged debt, or documentation establishing that I am legally obligated for the amount claimed. I dispute this alleged debt and request that Jefferson Capital Systems provide : The full name and address of the original creditor. Documentation establishing the existence of the alleged debt. Documentation showing that Jefferson Capital Systems has the legal authority to collect the debt. The complete chain of title, assignment, or transfer of the account. An itemization of the amount allegedly owed. Verification that all information furnished to consumer reporting agencies is accurate and complete. Until such documentation is provided, I request that Jefferson Capital Systems cease collection activity and cease reporting the account as valid and verified. I respectfully request that the CFPB investigate this matter and require Jefferson Capital Systems to provide the requested documentation or correct any inaccurate reporting. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief