vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld System Inc. is reporting a {$240.00} collection with XXXX XXXX XXXX as the original creditor. However, XXXX XXXX XXXX own payment and billing records show payments of {$250.00} on XX/XX/year> and {$150.00} on XX/XX/year>, and the billing history shows a balance of {$0.00} on XX/XX/year>. I dispute this collection because the original utility account records show the account reached a zero balance. If the reported {$240.00} is claimed to be a separate deposit or other charge, I request the deposit agreement, final itemized statement, service dates, and documentation supporting assignment to XXXX. If the debt can not be substantiated, the collection should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I had been trying to find and purchase a kitten for a few months. On XX/XX/2026, I found one on the XXXX XXXX. I responded to the ad and was told that the kitten was still available. The person did not have the banking service I use at my bank ( XXXX XXXX, and advised that all she had was Chime. I very stupidly opened a chime account to transfer a {$50.00} deposit. Shortly after I got multiple texts asking for more money. I got a bad feeling about this and canceled my " sale '' and requested my money back. Of course no answer to phone calls, or response on a refund. I called Chime customer service and got danced around XXXX. I wrote an email to the CEO of Chime ( XXXX XXXX XXXX, detailing this issue and asked to please close this account and send me confirmation of such. Nothing. I called today, Thursday, XX/XX/XXXX, and spent XXXX hour on the phone with zero results. " We dont have verification to close account " Huh? I want any and all information regarding my personal information closed and deleted by Chime. I've cried enough tears over this and just need whatever assist I can get. I have the email that I sent XXXX XXXX for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
{$10000.00} was charged to a credit card I did not use. I never activated new card as I never received it. I reported to Credit company XXXX XXXX XXXX. During the phone call an unknown address appeared on account. The card was closed and charges disputed on XX/XX/XXXX. A letter confirming it was received. No other contact was received until a person showed up on doorstep in XX/XX/XXXX serving me. Credit card company would not cooperate. Now Im supposed to hire an attorney to fight fraud on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: IN

Complaint narrative:
On XX/XX/XXXX, spouse XXXX XXXX XXXX wrote a check ( # XXXX ) and mailed it to XXXX XXXX XXXX ( XXXX XXXX, IL. ) in the amount of {$43000.00}. The bill was due XXXX XXXX, XXXX. We determined that XXXX XXXX had not yet received the check so to make sure it was paid on time XXXX contacted XXXX XXXX and authorized a direct payment of that amount from our XXXX XXXX account with the understanding that we would then call our local XXXX XXXX XXXX to have the written check cancelled. When we called on Monday XX/XX/XXXX to request such cancellation we were told the check had been cashed. When we accessed a copy of the processed check we found that it had been credited to the account of the " named payee ''. The " Payee '' line on check now reflected a signature : " XXXX XXXX '', NOT XXXX XXXX. Since then we have submitted documentation on a couple of occasions to XXXX XXXX ( XXXX XXXX responsible bank ) along with copies of the local police Fraud Report. XXXX initiated their Fraud Case # XXXX to track the progress of investigation. They reportedly had forwarded this information to JP Morgan Chase Bank for them to investigate what actually happened to our money, i.e. whose account ( " the within named payee '' ) the {$43000.00} was deposited in. Furthermore, why was such a large check not put on hold for proper validation/verification? We tried to followup with XXXX on XX/XX/XXXX to see if they have yet received a response from Chase Bank but have not heard further as of this afternoon, Thursday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Request for Investigation Misleading Balance Transfer Promotion by Bank of America Dear Sir or Madam, My name is XXXX XXXX XXXX, and I am writing to request an investigation into what I believe to be misleading promotional practices by Bank of America related to a credit card balance transfer offer. I have been a Bank of America customer for more than 21 years, and I relied on a promotional offer that appeared to advertise 0 % interest for 12 months with a 4 % balance transfer fee. Based on this promotion, on XX/XX/year>, I completed a {$10000.00} direct deposit transaction using my Bank of America XXXX XXXX credit card. However, when I received my statement for the period XX/XX/XXXX XX/XX/year>, I discovered the following unexpected charges : Direct Deposit Transaction Fee : {$400.00} Interest Charged : {$66.00} Total charges : {$460.00} Immediately after receiving the statement, I contacted Bank of America customer service and spoke with a representative named XXXX. During that call, I was informed that because the transaction was categorized as a direct deposit, it did not qualify for the 0 % promotional interest, despite the promotional offer that led me to believe it would. I explained that the only reason I used the offer was because of the advertised promotional terms. The representative advised me that if I repaid the full {$10000.00} immediately and then requested a refund, the bank would review my request for a reversal of the {$400.00} fee and {$66.00} interest. Following that advice, I repaid the full amount the next day and contacted Bank of America again. I spoke with another representative, XXXX, who submitted a request to refund the charges. Unfortunately, I was later informed that the request had been denied. As a result, I was charged {$460.00} for accessing funds for less than 10 days, based on a promotion that I believe was misleading and not clearly explained to consumers. Given my long-standing relationship with the bank and the circumstances of this transaction, I believe this situation may represent misleading marketing or inadequate disclosure of promotional terms. I respectfully request that your office review this matter and investigate whether the promotional terms were clearly disclosed and properly applied to consumers. I am requesting assistance in resolving this matter and in ensuring that customers are not misled by similar promotional offers. Thank you for your time and consideration. I am happy to provide supporting documentation, including my credit card statement and records of my communications with Bank of America representatives. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my physical wallet and smartphone were stolen in XXXX XXXX. This theft resulted in immediate unauthorized access to my financial accounts. I filed a police report with the XXXX XXXX Police Department ( Case # XXXX ) and submitted an FTC Identity Theft Affidavit on XX/XX/year>. Timeline of Events : XX/XX/year> : Within 24 hours of the physical theft, I discovered three unauthorized transfers from my Wells Fargo checking account totaling {$4500.00} ( {$3000.00}, {$1000.00}, and {$500.00} ). XX/XX/year> : I immediately notified Wells Fargo to report the fraud and initiate a dispute. My timely notification ( within two business days ) limits my legal liability to {$50.00} under Regulation E ( 12 CFR 1005.6 ). Resolution Discrepancy : While other institutions ( specifically XXXX XXXX ) investigated the same incident and resolved fraudulent transactions in my favor, Wells Fargo denied my claim due to the transaction taking place on my smartphone. I explicitly mentioned to Wells Fargo ( as well as the FTC Identity Theft dept and the XXXX Police Dept ) that my smartphone was stolen. Wells Fargo has failed to provide a valid reason for the denial or the documentation they relied upon for their decision, as required by 12 CFR 1005.11. Because of this denial, my account now holds a negative balance of approximately {$3000.00}. Actions Taken by Me : I have provided Wells Fargo with the XXXX Police Report and the FTC Affidavit. I have also reached out to their claims department multiple times to appeal, but the bank continues to hold me liable for transactions stemming from a documented physical robbery. Requested Resolution : Reverse the denial of the fraud claim and credit {$4500.00} back to my account. Clear the negative balance and ensure no negative reporting is made to XXXX, XXXX, or credit bureaus. Provide the specific documentation used in the initial investigation.

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 2026-03-12 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: EQUIFAX, INC.
State: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have 2 Citicard 's one XXXX and a XXXX XXXX card. The XXXX card has {$490.00} in fraudulent charges from XX/XX/XXXX through XX/XX/XXXX plus surcharge and late fees the balance is XXXX On the XXXX XXXX card {$880.00} in fraudulent charges from XX/XX/XXXX through XX/XX/XXXX. I paid on the credit card because they were asking for payment, so the balance is {$480.00}. This company keeps calling and sending email for payments on these two accounts I am asking them to resolve the fraud charges since XXXX. They are making excuses about investigating the charges. This has but a back mark on my credit report. I need someone to push them to clear these charges and bring my credit up to date. I no longer carry a citibank card. They have been destroyed. Thank you for your help.

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 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I acknowledge that the purchase made on XX/XX/year> was placed on a 24-month deferred interest promotional plan, and I understand that the balance needed to be paid in full by the expiration date to avoid interest. My concern is that during the promotional period I consistently made payments and even contacted customer service to make phone payments. At no time during those interactions was I advised that the promotional expiration date was approaching or that a large deferred interest charge would be added if the balance was not paid in full. Had I been informed during those payment interactions, I would have taken immediate action to ensure the balance was paid before the promotion expired. I have demonstrated good-faith efforts by making substantial payments toward the balance. Given my payment history and intent to manage the account responsibly, I respectfully request that the deferred interest charge be reconsidered as a goodwill adjustment. I value maintaining a positive relationship with your institution and hope you will review this matter with consideration of the circumstances. Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I financed approximately {$11000.00} for home windows using a 24-month deferred interest promotion on my XXXX 's XXXX XXXX issued by Synchrony Bank . I made every payment on time throughout the promotional period and reduced my balance to approximately {$1000.00} remaining by the promotion expiration date of XX/XX/year>. The grace period for the promotional offer ended on XX/XX/year>. Upon realizing I had missed the expiration, I immediately made a payment of {$1200.00} on XX/XX/year>, just 5 days after the grace period ended, to pay off the remaining balance in full. Despite this prompt action, Synchrony applied approximately {$5000.00} in retroactive deferred interest, nearly five times the balance that remained at the time of expiration.

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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was scammed into sending money for a purchase and I sent XXXX when I received the product I was appalled realizing I was scammed requested the recipient refund my money since then no response so I went through cashapp to report the fraudulent transaction and reported said recipients account but the only thing I got in return was my account being suspended further putting me in a bind with the loss of my {$2600.00} it wouldnt let me cancel the payment or refund I know the scammers phone number, name and address along with the cash app account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
I constantly inbox them and things are not going right and I truly need my credit score fixed so I can do the things that I need to do

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I found this listing on XXXX marketplace for a gaming device called XXXX XXXX, and it was listed by a user named XXXX XXXX. The users profile picture was a cat, and had a few other items for sale, mostly XXXX handheld devices like the XXXX and other XXXX accessories. The user had a few reviews, with an average rating of 4.2 stars. The most recent review was a one star written by XXXX XXXX dont remember the last name ) who complained that they were outbid on an item by someone else and wouldnt be refunded by the user on XXXX. The only interaction on the listing was a single like. After spending a few days looking at the listing, I decided to reach out to them via messenger and ask if the item was still available. They responded fairly quickly, and we started a conversation. XXXX listed their location in XXXX Va but said they would have to ship the product because they were away at college. They listed the device at XXXX ( XXXX including shipping ), and when I asked for details on the condition of the product they mentioned that they had an offer for XXXX. When I asked for payment options like XXXX or XXXX, they asked to do it through Cash App. After I said I would think it through until the end of the day, they said they would give me a deal for XXXX. When I said yes, they said they would need shipping details before sending it to usps, details like full name, phone number, and email. They then gave me their cashapp username, $ XXXX. When I typed the user name, it came up as XXXX XXXX, and they said they shared an account with their husband. I did get a warning of a scam alert from Cash App, but I looked online and many people said that this can happen simply if someone isnt in your contacts, so I thought it was a false alarm. Once I sent the money, they left the conversation and deleted their facebook profile. They also deleted their cashapp profile. I then reported the user and conversation to XXXX and the transaction to Cash App. When I reported the scam to Cash App, they replied and determined that were unable to reimburse you for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
My company XXXX XXXX has a merchant service for our credit card transaction. They collect the funds and within XXXX that money should go into our bank account. There are XXXX deposits we have yet to receive. XX/XX/XXXX XXXX {$7200.00} XXXX XXXX {$6500.00} XX/XX/XXXX XXXX {$8600.00} They said it was held for securities ( whatever that means ) now they are saying they have all been approved for deposit in the next XXXX. XXXX has come and gone several times, they keep telling me this and nothing happens. At this point XXXX belief they have stole our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
I am writing to dispute the following accounts on my credit report with TransUnion. Please find the details of each account in dispute : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Dispute : The account status is incorrect and should be updated. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$53000.00} Dispute : The balance is incorrect and needs to be corrected. XXXX XXXX XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Dispute : This account is inaccurately reported and should be removed. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Dispute : The balance is incorrect and should be updated. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Dispute : The balance is incorrect and should be updated. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Dispute : This account is inaccurately reported and should be removed. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Dispute : This account is inaccurately reported and should be removed. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Dispute : This account is inaccurate and should be removed. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Dispute : This account is inaccurate and should be removed. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute : This account is incorrectly reported and should be removed. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute : This account is incorrectly reported and should be removed. XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute : This account is incorrectly reported and should be removed. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} Dispute : This account is inaccurately reported and should be updated. XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Dispute : The balance is inaccurate and needs to be corrected. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Dispute : The balance is inaccurate and needs to be corrected. I request that you investigate and correct the inaccuracies listed above and update my credit file accordingly. Please send me written confirmation once these items have been addressed.

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