vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
A notification hit my credit app stating congrats on your new card. When opening the app it showed a XXXX credit card opened on XX/XX/XXXX, with a balance of {$520.00} of a {$600.00} limit. The address that is connected to the credit card is an old address and I have not lived there since XXXX. I have not opened a credit card since I opened the XXXX credit card a year and a half ago. Im going to upload two documents. The first document will be the first bill that came in the mail to the address from the credit card. The second document will be a utility bill from my current address and Ive been here since XXXX XXXX if needed, I can give proof that I have not lived at that address since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Nissan Motor Acceptance Company ( XXXX ). My vehicle was totaled, and the at-fault drivers insurance company issued a payment to XXXX in XXXX. XXXX repeatedly rejected the insurance check due to their own internal processing error, claiming the account number was missing even though my full name was on the check. I contacted both XXXX and the insurance company multiple times to resolve the issue. Despite the payment being sent in XXXX and the account ultimately being paid in full with a {$0.00} balance, XXXX reported the account as a charge-off. This is inaccurate and misleading. The charge-off did not occur because I failed to pay ; it occurred because XXXX rejected the insurance payout. I also mailed a written dispute directly to XXXX, and they never responded. This is a violation of FCRA Section 623 ( a ) ( 8 ), which requires them to investigate and respond to direct disputes. Continuing to report a charge-off under these circumstances violates FCRA Section 607 ( b ), which requires furnishers to report accurate information. I am requesting that the tradeline be corrected to Paid as Agreed or removed entirely, as the charge-off is the result of NMACs error, not my failure to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complaint regarding Chase Sapphire Reserve XXXX XXXX points not fully reimbursed I am a Chase Sapphire Reserve cardholder writing about approximately XXXX Ultimate Rewards points that Chase has failed to return to my account. In late XXXX, I redeemed XXXX Rewards points through Chase to book a flight to XXXX XXXX. I subsequently needed to change my plans, so I canceled that reservation and received a travel credit with XXXX XXXX. I then used that XXXX credit to book a flight from XXXX XXXX to New York. XXXX canceled that flight, and I was advised that Chase would reimburse the original points I had redeemed. Chase reimbursed only a portion of my points. The remaining balance of approximately XXXX points was not returned. In my account history, this amount appears as " redeemed '' as of XX/XX/XXXX, rather than being credited back to my account, even though the underlying travel was canceled by the airline and I never received the value of those points. I have contacted Chase several times to resolve this : On XX/XX/XXXX - I spent approximately one hour explaining the situation before the call was disconnected without resolution. On XX/XX/XXXX - a representative told me someone would call me back the following Monday with an explanation of how my points would be credited. No one called. Each representative I spoke with acknowledged that they could see a problem with how the points are recorded but could not explain why the points show as redeemed rather than credited, and none was able to resolve it. These XXXX points represent a material amount worth several XXXX XXXX in value. Despite three good-faith attempts to resolve this directly with Chase, I have made no progress and have not received the callback I was promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am filing a complaint against BMO Harris Bank regarding their improper handling and denial of a fraudulent XXXX transaction ( Case # XXXX ). On XX/XX/year>, I sent {$170.00} via XXXX to an individual identified as XXXX XXXX after responding to a XXXX XXXX listing for a XXXX XXXX XXXX XXXX. I initially communicated with the seller on XX/XX/year>, during which the seller represented that the item would be delivered. This representation was false. After payment was sent, the seller failed to deliver the item and ceased all communication. By XX/XX/year>, it was clear I had been the victim of a scam involving fraud and misrepresentation, in which I was induced to authorize a payment under false pretenses. I reported this incident to BMO on XX/XX/year>. The bank denied my claim on XX/XX/year>, incorrectly categorizing the situation as a merchant dispute and instructing me to resolve it directly with the seller. This is not a legitimate merchant transaction, as the recipient is non-responsive and did not deliver any goods. I am requesting that BMO : 1. Reopen this case and investigate it as fraud 2. Confirm that a XXXX recall request and interbank fraud notification were initiated 3. Provide a detailed explanation of recovery efforts taken 4. Reimburse the {$170.00} lost due to this scam I have supporting documentation including communications, transaction confirmation, and evidence of non-delivery.

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 2026-06-10 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:
On XX/XX/year>, I sent XXXX XXXX a written dispute requesting validation of the debt and a detailed itemized billing statement. On XX/XX/year>, I sent a second written request for documentation identifying the specific services allegedly rendered. I also disputed the account with Experian. XXXX subsequently provided documents showing only summary department charges of {$4500.00} for XXXX XXXX, {$3600.00} for XXXX, and {$310.00} for XXXX, with a reported patient balance of {$3400.00}. No detailed itemization, laboratory test records, medication records, provider notes, XXXX billing codes, or documentation identifying the specific services allegedly provided were supplied. Despite my requests, Experian continued to verify the account as accurate and XXXX continued to maintain the reporting. The documentation provided does not identify the actual services that make up the balance being reported. I believe the investigation was inadequate because neither XXXX nor Experian provided sufficient documentation to substantiate the accuracy of the reported amount. I am requesting a proper investigation and deletion of the account if the furnisher can not provide complete supporting documentation.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Follow-Up CFPB Complaint Subject : Reopening Complaint Chase Bank Provided Conflicting Information Regarding Tax Refund Check I am requesting that this complaint be reopened because Chase Banks response has not resolved the issue and subsequent information provided by Chase appears to directly contradict the response submitted to the CFPB. In Chases written response dated XX/XX/year>, Chase stated : We mailed a cashiers check for the difference of {$990.00} to the new address provided on XX/XX/year>. Chase further stated : The check has not been paid as of the date of this letter. I relied on Chases statement and continued waiting for the check to arrive. As of XX/XX/year>, more than 10 business days after the alleged mailing date, I had not received the check. I contacted Chase again and was informed by a representative that there was no record of a third check being issued and that the check referenced in Chases CFPB response was not showing in their system. This information directly conflicts with the written response Chase provided to the CFPB. I am requesting clarification of the following : 1. Was a cashiers check for {$990.00} actually issued? 2. If so, on what date was it issued? 3. What is the cashiers check number? 4. What address was it mailed to? 5. Was the check sent through standard mail, certified mail, or another method? 6. Can Chase provide proof that the check was generated and mailed? 7. If the check was not issued, why did Chase inform the CFPB that it had been mailed? This matter has now caused additional hardship because I have continued waiting for funds that Chase represented had already been mailed. I have spent months attempting to resolve this issue, made numerous phone calls, traveled approximately 5 hours round trip to a branch at Chases direction, and continue to receive inconsistent information regarding the location and status of my funds. I am requesting that Chase : * Immediately investigate the status of the {$990.00} cashiers check. * Provide written proof of issuance and mailing. * Stop payment on the check if it can not be accounted for. * Reissue the funds immediately to my verified address. * Assign a single escalation specialist or executive resolution representative to this matter. * Explain why contradictory information was provided regarding the status of the check. Given the conflicting information provided by Chase, I do not believe this complaint should have been closed as resolved. Name : XXXX XXXX Phone : XXXX Account Ending : XXXX Amount at Issue : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-06-10 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: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding a specific and unresolved issue with SoFi XXXX : the complete inability to make direct withdrawals from my retirement accounts. This is distinct from my prior complaint ( Case # XXXX ) which SoFi responded to by discussing their ACAT transfer fee policy. That response did not address this issue at all. The issue is as follows : I hold a Self-Directed Traditional IRA and a Self-Directed Roth IRA with SoFi XXXX. When I attempt to make a standard direct withdrawal from either account, SoFi 's platform rejects the transaction with an error message stating the withdrawal can not be processed because it would not cover the account closure fee. I am not closing either account. I am attempting to make a routine withdrawal. This is not a transfer issue. This is not an XXXX issue. This is a direct withdrawal being blocked by SoFi 's system under the pretense of a closure fee that has not been triggered and may never be triggered. SoFi 's own agent acknowledged this in writing during a chat session on XX/XX/year>, stating : " the {$100.00} closure fee should only apply if you're closing your Traditional IRA, not just withdrawing funds '' and characterized the block as potentially " a system issue or something specific to your account. '' Despite this acknowledgment, no resolution was offered and the withdrawal block remains in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Subject : Failure to Issue Excess Payment/XXXX Refunds and Failure to Update Credit Reporting After Total Loss Payoff Westlake Financial Account # XXXX I am filing this complaint against Westlake Financial for their failure to timely issue refunds for excess payments made after my vehicle 's date of loss, and for failing to accurately update my credit report to reflect that this loan has been paid in full. Date of Loss : On XX/XX/XXXX, my vehicle was involved in an incident with a wild deer running into it causing significant damage and subsequently declared a total loss. Primary Insurance Payout : My auto insurance provider, Progressive, issued a payment of {$4800.00} to Westlake Financial on XX/XX/XXXX with the payment backdated to the day of loss on XX/XX/XXXX XXXX Insurance Payout : My XXXX insurance, which was also purchased from Westlake Financial, processed and issued the remaining balance payment of {$1900.00} on XX/XX/XXXX, with the payment backdated to the day of loss on XX/XX/XXXX effectively bringing the loan balance to {$0.00}. Excess Payments Made : Due to the processing lag by Westlake Financial, I was forced to make out-of-pocket payments totaling {$2200.00} on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to protect my credit from wrongful late marks while waiting for the insurance payments to clear. On XX/XX/XXXX when the XXXX settlement applied, their billing system erroneously applied a late fee of {$15.00}. and missed payment despite the loan being paid in full with all payments made on time. This caused me to pay an additional {$310.00} ( included in the {$2200.00} out of pocket cost ) to prevent any liability on my end for the loan/contract. Despite both insurance payouts clearing and the loan being fully satisfied, Westlake Financial is withholding my excess out-of-pocket overpayments. Every time I contact customer service, I am given conflicting information, transferred to unstaffed insurance departments, or told that the refund is " processing '' with no actual timeline or execution. Furthermore, Westlake Financial is violating the Fair Credit Reporting Act ( FCRA ) by failing to update the major credit bureaus. As of today, my credit report still reflects an active, open balance on this auto loan, negatively impacting my debt-to-income ratio and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XXXX of XXXX they deferred all intrest off a purchase for 24months and I've always paid extra on my monthly bill, the extra was never put on the item I bought and now 2yrs later they hit me with XXXX $ intrest for the items I bought that were only around XXXX . I got told if I wanted the extra to go to that item I needed to call and tell them that if it was outside of 60 days before the promotional offer expired. They did not inform me of this so I thought all my extra was going on this, and when paying online there is NO option to make the extra go towards the promotion only. So every month I made extra payments it did nothing and now I got hit with a XXXX $ charge on my card and over limited my card by XXXX $ even though I made my payments with extra on it religiously. Now over the phone they said there is nothing they can do, I can just pay the XXXX $ now or keep getting intrest added to it.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I've received 14 emails in the last 7 days XX/XX/year> to today XX/XX/year>, which has been going on for months by the way, from LVNV Funding LLC, email address : XXXX, soon to be # XXXX and # XXXX because they send AT LEAST 2 EMAILS EVERY SINGLE DAY! ALSO, I NEVER RECEIVED ANYTHING SENT TO MY PHYSICAL ADDRESS FROM THIS DEBT COLLECTOR WITH PROOF OF THE DEBT, IT'S VALIDITY, THE ORIGINAL CREDITOR 'S INFORMATION, ORIGINAL DOCUMENTS FROM THE ORIGINAL CREDITOR OR WAYS TO DISPUTE IT, OTHER THAN THESE SPAM EMAILS, which is against the rules and regulations of Fair Debt Collection Practices on multiple counts and they need to REMOVE THIS COMPLETELY OR ILL SUE THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: KY

Complaint narrative:
On XX/XX/year>, a buyer purchased equipment from me for {$3700.00}. The item was shipped on XX/XX/year>. On XX/XX/year>, the buyer filed a claim stating the item was defective. PayPal issued a full refund to the buyer on the same day without notifying me. This created a negative balance on my PayPal account. On XX/XX/year>, I opened a dispute and submitted documentation including the invoice, transaction terms, photos of the item prior to shipment, and shipping records. PayPal requested that the buyer return the item by XX/XX/year> in order to get the refund. On XX/XX/year>, the buyer uploaded a bogus XXXX tracking number that did not show a valid return of the item. On XX/XX/year>, PayPal automatically restricted my account because of the negative balance that was created as a result of the refund. On XX/XX/year>, The restriction prevented me from fully participating in the dispute process. The case was closed in favor of the buyer DESPITE the buyer not fullfilling PayPal 's required return condition. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted PayPal by phone and was informed that the account restriction caused the case to close in the buyers favor, and that the restriction was automatically applied after a refund created a negative balance prior to full dispute review. The representatives I spoke with were unable to take action to override or further review the decision. Between XX/XX/XXXX and XX/XX/year>, I contacted PayPal five times and sent executive escalation requests regarding the case but did not receive any responses. I later received automated messages instructing me to pay the negative balance. The case was ultimately resolved in the buyers favor while my account remained restricted and I was unable to fully participate in the dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
am filing this complaint regarding Navy Federal Credit Unions denial of my fraud claim involving an unauthorized withdrawal of approximately {$15000.00} and related account compromise. Navy Federal Credit Union has denied my claim stating there were discrepancies within my claim and that there was not enough evidence to overturn the denial. However, they have not identified what those alleged discrepancies are, nor have they provided any meaningful explanation of how the determination was reached. On or about XX/XX/XXXX at approximately XXXX XXXX, a cash withdrawal of approximately {$15000.00} was executed from my account. Prior to and during this period, my account credentials and sensitive banking information were accessed without my valid and informed authorization. I have video evidence showing an individual accessing my personal mobile device and obtaining sensitive banking information, including account number, routing number, and balance information. A witness ( my ex-wife ) was present and recorded this incident. Despite providing this evidence and reporting the matter as fraud, Navy Federal denied my claim without addressing the video evidence or explaining how the transaction was determined to be authorized. Their final response does not : Identify the specific discrepancies referenced in the denial Explain what evidence was relied upon to conclude the transaction was authorized Address the documented video evidence of unauthorized access Provide transaction authentication details or branch verification procedures used in the withdrawal Instead, I was informed the matter is closed, with no further substantive explanation provided. What I am requesting : I am requesting : A full reversal of the fraud determination Reimbursement of all stolen funds, including the {$15000.00} withdrawal A detailed explanation of the specific evidence and reasoning used to deny my claim Disclosure of transaction authentication records, including how the withdrawal was verified and approved A full re-investigation that meaningfully considers the provided video evidence and witness documentation Additional Information : I have supporting evidence including : Video documentation of unauthorized access to my banking information Witness corroboration Bank transaction records Fraud reports previously submitted to sherrifs offic, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation