vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am filing this complaint against ChexSystems , Inc. for failing to conduct a reasonable reinvestigation and for continuing to report inaccurate and misleading information in my consumer file. ChexSystems is currently reporting an entry furnished by XXXX XXXX XXXX XXXXXXXX. as Suspected Fraud Activity with a closure date of XX/XX/year>, despite the confirmed status of NO MONETARY LOSS. I previously disputed this information, and ChexSystems responded that the item was verified as accurate and complete. However, this verification appears to rely solely on the furnishers response and not on an independent or reasonable investigation. I have provided supporting documentation, including : A final account statement showing a {$0.00} balance Evidence that the check involved was issued by a third party Confirmation that I immediately repaid the full {$500.00} A police report confirming that I was the victim of a fraud scheme These facts clearly demonstrate that : I did not commit fraud There was no financial loss The fraud classification is inaccurate and misleading ChexSystems has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), which requires a reasonable reinvestigation of disputed information. A reinvestigation that relies only on a furnishers confirmation without reviewing supporting evidence does not meet the legal standard. The continued reporting of this information is inaccurate, harmful, and prevents me from accessing banking services.

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 2026-04-29 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: TX

Complaint narrative:
I am reporting unauthorized charges processed through my PayPal account for XXXX XXXX. Between XX/XX/year> to XX/XX/year>, multiple transactions totaling {$4800.00} were charged to my PayPal account. I did not authorize these charges and they are not associated with my XXXX advertising account. I contacted XXXX support and was provided Case ID XXXX. During that support interaction, XXXX confirmed that the transactions were not associated with my account and were used on a different account not related to me. XXXX advised me to provide this case ID to PayPal so they could verify the information directly. I contacted PayPal by phone to dispute these charges, and my claim was denied verbally. I was informed that the transactions were considered authorized by the merchant ( XXXX ), and therefore not eligible for a refund. Afterward, XXXX sent a follow-up email stating that they did not detect suspicious activity on my account and would not issue a refund. This response does not address their earlier confirmation that the charges were not tied to my account. As a result : XXXX indicates the charges are not linked to my account PayPal claims the charges are valid because XXXX authorized them I am being held responsible for transactions I did not authorize I have attempted to resolve this with both parties, but neither has corrected the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
My information was compromised several times and also stolen as part of the data breach this account is not mine and I have never ever done business with this company I dont owe this and its identify theft

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I contacted Goldman Sachs ( Apple Card servicer ) tonight ( XX/XX/year> @ XXXX ) to update my legal name to match records on file with the Social Security Administration. I was informed by both a representative and a supervisor that I must provide a court order or court-issued document, and that a U.S. passport , Social Security card , and drivers license are not acceptable - despite these documents being accepted by every other financial institution I have dealt with. I was not provided a secure or reasonable means to complete this update, and was asked to disclose personal information irrelevant to a name change. When I referenced the CFPB during the call, the representative stated she would close my account. I explicitly stated three times that I did not authorize or request account closure. This conduct is retaliatory and unacceptable. I am requesting that the CFPB review Goldman Sachs name change documentation policy and the conduct of their representatives on this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute this account, as I do not recognize it and have no record of ever opening, authorizing, or being associated with it in any way. After reviewing my records, I believe this account has been inaccurately reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of disputed information. Additionally, Section 607 ( 15 U.S.C. 1681e ( b ) ) requires that all reported information be accurate and verifiable. Furthermore, under Section 623 ( 15 U.S.C. 1681s-2 ), furnishers have a duty to provide accurate information and to properly investigate disputes. At this time, this account does not meet the required standards of accuracy and verification. I respectfully request that you conduct a thorough investigation and verify this account with the original creditor. If it can not be properly validated as mine, it must be deleted from my credit report.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ) ( commonly referenced as 15 U.S.C. 1692cc ), I hereby demand that you CEASE AND DESIST ALL COMMUNICATIONS WITH ME regarding this debt, except for a single written notice informing me of ( 1 ) your intent to take a specific action ( if any ) and ( 2 ) any notice required by law. This written request is made under 15 U.S.C. 1692c ( c ), and I request that you immediately update your records to reflect this demand. Any further communications in violation of 15 U.S.C. 1692c ( c ) or other provisions of the FDCPA may result in legal action against you. Please confirm in writing within 14 days of receipt of this letter that you have ceased communications as requested and that you have noted my file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am a current and ongoing customer with cash app and I hold money on there from time to time and just use my cash app card to avoid the fees of moving said money to my bank account until recently. recently I had XXXX dollars on my cash app and someone who I do not know got into my account which requires a password that only I know and sent themselves said XXXX dollars and further tried to pull another XXXX dollars from my bank account which was denied by my financial institution all on XX/XX/XXXX, they got into my account even after I denied them access twice after cash app detected a new login, I logged them out both times. Since then I have filed over 4 complaints or also known by cash app as disputes or claim all times it has been denied by their investigation team and today they told me there is nothing they can do Ive submitted to them all the evidence any logical person or company would need to refund me my money but instead theyve consistently denied me that. The person that did this owns an android I do not own an android, and nobody besides myself has access to my account, cash app continues to claim that this transaction was authorized by me or someone who has access to my account I didnt send them this money. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I took out a personal installment loan for {$2300.00} with XXXX XXXX, serviced by OppFi/OppLoans. The loan carried an Annual Percentage Rate of 159.56 %, which violates California AB 539, effective XX/XX/XXXX, which caps interest rates on personal loans between {$2500.00} and {$10000.00} at 36 % APR. The loan was partially used to pay off a prior OppFi loan, and the account has since been assigned to a debt collector called XXXX. As of XX/XX/XXXX, XXXX 's own written communication to me states their California collection license is " pending, '' meaning they are actively attempting to collect {$3600.00} from me without a valid California license, in violation of the XXXX Fair Debt Collection Practices Act. I disputed this account on my credit report. XXXX responded by providing the original promissory note and payment history as debt validation. The payment history shows numerous reversed/returned payments that do not appear to be accurately reflected in the reported balance of {$3600.00}. I am requesting that the CFPB investigate the illegal interest rate charged by FinWise Bank/OppFi and the unlicensed collection activity by XXXX, and require deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I wrote a check to my fiance for {$3000.00}, transferring from my own XXXX account to my fiance 's Navy Federal account. The check was deposited on XX/XX/XXXX Navy Federal pulled the full funds from my account on XX/XX/XXXX. They then failed to disburse any funds into my fiance 's account. She called in several times and was told that there was some sort of hold on the transaction. On XX/XX/XXXX, my fiance called in again and was informed that the check had been deemed fraudulent and that funds would not be disbursed. I called my own credit union ( XXXX ) and verified that they had no record of any issue or investigation regarding the transaction -- no sign of any hold or flag, no indication of any issue with the check, and no notes on the account indicating any sort of contact from Navy Federal to attempt to verify the check 's legitimacy. Today ( XX/XX/XXXX ) we called in to Navy Federal yet again to follow up and were told that the check was deemed counterfeit ( which it absolutely was not, I wrote that check myself from my own checkbook ) and the money has been returned to my own account, which is absolutely false. The money has not been returned to my credit union or my account, and my credit union still has heard NOTHING at all from Navy Federal regarding any issue or investigation to do with this transaction. I asked Navy Federal for details regarding the accusation of the check being fraudulent ( WHY was it incorrectly deemed counterfeit, based on WHAT evidence ) and was told that they are unable to escalate me to their security department, and that I should contact my own credit union again ( despite my own credit union having NO new information since the money was pulled out of my account by Navy Federal ). They repeatedly insisted that the money had been returned to XXXX, and would not escalate me to a higher stakeholder within their own institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XX/XX/year> an incoming wire was rejected by Bank of America. I was not notified of this and was not notified of the {$45.00} wire rejection fee. Upon calling and asking for the fee to be waived, I was never updated on status of request. On XX/XX/year> I called again and was told that an emailed response was sent on XX/XX/year> to the wrong email account. Upon searching that email account ( my husband 's email ) no such emailed response was received by BOA. I again asked to refund the wire rejection fee and was told flat no. I am requesting this be refunded for BOA 's total lack of communication on this matter and the time and inconvenience it has caused me to find this information out.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was the victim of a fraud/scam involving a transaction made through Chime. On or about XX/XX/year>, I sent money to an individual/business identifying themselves as XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was led to believe this was a legitimate business transaction. However, after sending the funds of {$900.00}, the individual began making misleading and contradictory statements. The individual claimed that I would receive a refund only after receiving a package, which is not a legitimate business practice and is consistent with a known advance-fee and fake shipment scam. The communication took place through XXXX using the phone number XXXX ( XXXX ) XXXX. I realized this was a scam and immediately contacted Chime to report the transaction as fraud. Despite explaining that I was deceived into sending the money under false pretenses, Chime denied assistance and stated that because the transaction was authorized, they could not help. This response is inadequate because the transaction was induced by fraud and deception, not a legitimate or informed payment. I requested that the case be reviewed as fraud, but Chime failed to properly investigate or attempt recovery. I am requesting that Chime : Conduct a full fraud investigation Attempt recovery of the funds Properly classify this incident as fraud rather than a standard authorized transaction I have supporting evidence including chat logs, transaction records, and contact information of the scammer, and I am willing to provide it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2026-04-29 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: Netspend Corporation
State: IN

Complaint narrative:
Long and short of it is my bank was charged almost {$700.00} and that transaction was not authorized. I called the bank. We supposedly fixed it but then they let the same vendor charge my account the next day for the same amount even though they were supposed to have blocked the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Fhb was told by me that I was trying to get a refund from this vendor who is taking a long time. It's almost been. A year since the told me 7 to 10 business days in XXXX of XXXX .. well it's XX/XX/XXXX I recently let fhb know what has happened. But instead of helping me they have created chaos with their inconsistance and. bad excuses that show bias against me. According to fhb I reported the problem XX/XX/XXXX .about a refund the merchant Spring Rejuvenation has been postponing for months even years.When I reported the refund problem Fhb on XX/XX/XXXX fhb said they d have to investigate XXXX before they could help me they also asked me to send in any emails or correspondence with the company that I had .. Like 7 days later I called Fhb they said they are still investigating so on XX/XX/XXXX or XXXX they credit ed my account. Only to take back the credit 7days later. With the excuses XXXX XXXX first Hawaiian Bank explanation being over 60 days that's why they took it back second explanation all me being not satisfied with the service does not fall under regulation E and then regulation 7E has a bunch of reasons that didn't make sense. I'm believing that the credit that they gave me was not provisional because that's not how the provisional credit situation goes, they don't investigate first they give you the money then investigate. 2ndly the other reason being the 60 days they knew it was way past 60 days how can fhb say this, when I told you it was XXXX XXXX I'm making the report and then their regulation E them taking the their own perspective of the situation and making it make sense I believe that fhb gave me the credit and he should stick by that give me the credit you know I appreciate it but yeah you guys gave me the credit it wasnt provisional credit and now you guys put me in a really bad financial situation where it's just chaotic and I I want them to put that money back and subtract everything in the overdrafts.II think that's the only fair way in this situation anything else would be would be Injustice. From the beginning and at the end the merchant promised Me a refund. Fhb look at regulation 7 in their perspective give the merchant the benefit of the doubt. Instead of looking at what they said and promised. I could easily say that under regulation 7 this is a unauthorized transaction according to fhb rexplanation. See complaint letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am wanting to add to complaint : XXXX I see no option to edit I want to add : Correction and supplemental information : My original submission referenced XX/XX/XXXX as the date of the federal adjudication. I wish to correct this. The U.S. Department of Education issued a formal Notice of Borrower Defense Discharge Approval on XX/XX/XXXX ( Case No. XXXX ), and a written discharge confirmation on XX/XX/XXXX ( XXXX XXXX. XXXX ). My School Misconduct Discharge application was filed with XXXX approximately 14 months after the written confirmation not XXXX months as previously stated. The discovery rule timeliness argument remains fully valid and is in fact stronger with the corrected dates, as both DOE documents predate my application and establish the formal adjudication upon which my claim is based.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Despite lack of proper verification the account continues to be reported to all three credit bureaus. This is violation of the Fair Credit Reporting Act, which requires that all reported information be accurate and verifiable

Company response to consumer: Closed with non-monetary relief