vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I entered into a settlement with Chase directly in XXXX oXXXX XXXX The settlement was a lower amount than the original balance. Again, this settlement was directly between Chase and myself. The settlement was for $ XXXX, as long as I made payments of {$1600.00} every month, auto withdraw on the XXXX of every month. I have withheld my end of the deal, and have made payments since XXXX of 2025, having made a total of 10 payments thus far. My remaining balance is {$23000.00}. In addition to this agreement, Chase said my balance would be updated accordingly and all monthly payments would be recorded to my credit report on a monthly basis. However, Chase has done neither, they have not updated my balance and they have not recorded any of my monthly payments. In fact, right now my credit report shows me as delinquent 16 payments, which is false, along with my balance. I have called Chase so many times to discuss this issue, I have spoken with their settlement team and their own internal credit reporting team. They continue to state I am late, however I have copies of all my agreed to payments and they are auto withdrawn. In addition to that, how could I be late if my original balance from $ XXXX is now $ XXXX. They have lied to me time after time, with me withholding my end of the deal and they continue to lie and falsify information. They have hurt my credit with inaccurate reporting on both the balance and the monthly payments not showing, and in fact showing as 16 months not making any payments. They have lied to me time after time and are negatively impacting my credit, without adhering to terms which they agreed to which are to update my file correctly on a monthly basis since we entered into this new agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime denied XXXX separate disputes despite the fact that I provided supporting information and, for the XXXX XXXX transaction, I have proof that the merchandise was returned. The XXXX XXXX dispute was for {$790.00}, connected to an in-store purchase/return from XX/XX/year> at XXXX XXXX in XXXX XXXX I have documentation showing the order/return details, including returned items such as XXXX XXXX XXXX and XXXX & XXXX XXXX XXXX Chime still denied the claim even though the evidence supports that the transaction should have been credited back. Chime also denied another dispute involving XXXX transactions totaling {$530.00}, listed as : XXXX XXXX XXXX XXXX XXXX * {$130.00} XX/XX/XXXX at XXXX PM XXXX XXXX {$40.00} XX/XX/XXXX at XXXX AM XXXX {$360.00} XX/XX/XXXX at XXXX AM I reported that someone gained access to my account and that I genuinely do not know who made or authorized these transactions. Instead of performing a complete investigation, Chime closed the dispute quickly and sent a generic denial stating that no error occurred. The response did not explain what evidence was reviewed, what information supported the denial, whether account access logs were checked, whether merchant evidence was obtained, or why my proof and statements were rejected. This is especially concerning because Chimes own app shows that these disputes were denied with very little explanation. For the XXXX XXXX claim, Chime shows that I added files on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet the claim was still denied. For the other dispute, Chime shows that the original dispute was denied, then the re-dispute was denied again on XX/XX/XXXX. This does not appear to be a transparent or good-faith investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: FL

Complaint narrative:
Chase Sapphire XXXX Card ending XXXX. On XX/XX/XXXX, I got a text message from Chase that there was a fraudulent charge of {$.00} on my card from XXXX. I reported that as fraud in text and when I logged in, I saw that there were XXXX individual charges from XXXX advertising with amounts ranging from {$2.00} to {$10.00}. Mostly the charges were {$2.00}. The total fraudulent charges work {$970.00}. I have never done any commerce with XXXX using XXXX. I called Chase Fraud : XXXX XX/XX/XXXX : I spoke to XXXX at Chase Fraud Department. He put a pause on my account but could not close it because there was a system upgrade issue and he could not access Chase XXXX XXXX. I requested him to make sure that he puts in the record that all of the XXXX charges are fraud. He requested me to call back in 24 hours XX/XX/XXXX : spoke to XXXX at Chase fraud : she said that she reversed all the XXXX charges and issued a new card. This was replacement card 1. Later, I found out that she was only able to reverse around XXXX charges. I had requested her to label all the XXXX charges as fraud. XX/XX/XXXX : spoke to XXXX at Chase fraud : he said that he will be able to reverse the remainder XXXX charges. Each one of them was around XXXX dollars. Two days later when I logged in these charges were not reversed. He issued a replacement card number 2 as the system would not let him reverse. XX/XX/XXXX : Called Chase Fraud Recovery XXXX : spoke with XXXX. He said he was able to reverse all the remainder XXXX fraudulent charges from XXXX . He said because of XXXX XXXX weekend, it may take a little longer. When I checked the account 48 hours later most but not all of the charges were reversed. The total of the 7 unreversed charges is about {$80.00} XX/XX/XXXX : I did not call Chase. However, I got an email from them that my card number three was canceled and they had issued replacement card number 4. XX/XX/XXXX : I called Chase fraud recovery. spoke to XXXX. I told her that I received the card number four. I also told them that I had not called them on XX/XX/XXXX and inquired why a new card was sent. I also made them aware of the unresolved seven charges totaling about {$80.00}. XXXX told me that someone had put notes in the system that I the consumer had called Chase and told them that the remainder charges were legitimate and authorized by me. That is not the case. I also spoke to XXXX, who is supervisor of the fraud department. I made her aware that I'm not satisfied with the customer service that I received. With multiple phone calls, each lasting more than an hour, my problem has not been resolved and for new cards have been issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am submitting this complaint regarding the continued reporting of my past account history by FourLeaf Federal Credit Union to XXXX and/or XXXX XXXX XXXX . I acknowledge that the account was opened by me and that the negative balance associated with the account has already been fully paid and resolved. Since resolving the balance, I have taken steps to restore my financial standing and maintain responsible banking behavior. Despite satisfying the obligation in full, the continued reporting of this account is causing ongoing and disproportionate harm to my ability to access basic banking services and establish a stable financial relationship. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure that reporting is fair, accurate, complete, and not misleading. While the account may currently reflect paid in full, I respectfully request a reinvestigation into whether continued reporting of this resolved matter remains appropriate and proportional given that no outstanding balance exists. I am requesting the following resolution : Removal of the negative reporting from XXXX and XXXX XXXX XXXX Confirmation that the account has been updated or deleted from all consumer reporting systems A written response confirming the results of the reinvestigation Consideration of my efforts to resolve the matter in good faith by fully satisfying the balance owed I respectfully ask FourLeaf Federal Credit Union to review this matter with consideration for consumer rehabilitation and financial recovery. Thank you for your time and attention to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed while attempting to purchase concert tickets for XXXX XXXX through a user on XXXX XXXX XXXX XXXX ). The seller represented that they had legitimate tickets available and communicated with me through direct messages. Based on these representations, I sent approximately {$1100.00} through XXXX XXXXo the account XXXX XXXXXXXX. After payment was sent, the seller failed to provide the tickets as promised and ceased communication and/or blocked me. I believe the tickets never existed and that this was an intentional fraud scheme. I reported the transaction to XXXX and submitted supporting evidence, but my dispute was denied. I have retained screenshots of the messages, payment confirmation, XXXX transaction details, and the associated social media account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am a confirmed successor in interest to the property. XXXX XXXX fully approved my loan assumption and loan modification. All documents were submitted, reviewed, and marked as approved prior to the servicing transfer to Freedom Mortgage. After the transfer, Freedom Mortgage stated they do not allow transfers to a nonveteran per investor guidelines. This is incorrect and violates federal law. VA eligibility rules for voluntary assumptions do NOT apply to successorininterest transfers. Under CFPB successorininterest regulations, RESPA ( Regulation X ), and the GarnSt. Germain Act, a successor in interest must be allowed to assume the existing mortgage regardless of veteran status. Freedom Mortgage is refusing to honor the approved assumption and modification, claiming they do not have to continue it, even though federal servicingtransfer rules require the new servicer to continue all approved lossmitigation and assumption decisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I received my XX/XX/XXXX bill and I noticed fraud charges listed on my statement. I called and reported the fraud to Citi. Unfortunately, XX/XX/XXXX and XX/XX/XXXX bills had additional fraud charges that were not authorized by me. Citi makes the reporting and tracking of fraud extremely difficult. I have wasted hours speaking with individuals at Citi regarding the removal of these charges and they have refused to credit my account ( sometimes they hang up, sometimes they transfer me to another department, sometimes those people can't speak english or provide resolution ). Due to these issues I started sending detailed certified letters reporting the fraud and asking Citi to remove the charges so that I had a paper trail of the requests. Citi has been adding late fees to each credit card statement for the fraud charges that I did not authorize. I have never had this issue before, never paid any credit card bill late to Citi, and always pay my credit card in full each month. I am XXXX XXXX XXXX and they are absolutely trying to take advantage of me and giving me a great deal of stress. The charges in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late fees/ interest fees every month - {$52.00}, {$75.00}, {$45.00}, {$32.00}, {$33.00} I have certified letter receipts on XX/XX/XXXX, XX/XX/XXXX

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Heres a professional and concise version you can submit to the Consumer Financial Protection Bureau regarding Ally Financial : I am filing a complaint regarding inaccurate credit reporting and poor account servicing by Ally Auto related to my auto loan account, which was active as of XX/XX/XXXX. In XX/XX/XXXX, Ally Auto attempted to withdraw two payments from my XXXX XXXX bank account. One of the duplicate charges was denied by my bank. After XXXX XXXX returned the funds to me, I removed autopay from my account to prevent this issue from happening again. Despite my payment history showing that my payments were made including several months where I paid significantly more than my required monthly payment of approximately {$490.00}, sometimes exceeding {$1000.00} in a single month Ally Auto falsely reported to the credit bureaus in XX/XX/XXXX that I was late on a payment. Since then, I have contacted Ally Auto numerous times to dispute the inaccurate reporting and request written confirmation that the issue would be corrected. I was repeatedly told that a dispute letter would be sent : * First promised by the end of XX/XX/XXXX * Then XX/XX/XXXX * Then again on XX/XX/XXXX When I still had not received the letter by XX/XX/XXXX, a representative advised that it would be faxed to me, mailed to my home address, and uploaded through secure messaging. However, when I called again on XX/XX/XXXX, I was informed that the request was only noted and that it could take up to 45 business days for the matter to be addressed with the credit bureaus. During multiple calls, representatives acknowledged the dispute and stated they would stop the negative credit reporting, yet they also stated they could continue reporting negatively until I received their letter. Despite my efforts to resolve this directly with Ally Auto, the inaccurate reporting continues to damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
A title loan was issued with automatic monthly withdrawals being deducted from my account for repayment. In XX/XX/year>, the vehicle securing the loan was damaged beyond repair and declared a total loss. It has now been XXXX months since the loss, and we continue to be told by the lender that they are waiting for the title from the XXXX XXXX. During this time, the lender has provided multiple estimated completion dates, all of which have passed without resolution. The insurance company, XXXX, has repeatedly attempted to follow up, but the lender has now instructed them to stop contacting them so frequently, stating they have no updates and are still waiting on the XXXX. We also contacted the local branch XXXX, XXXX, who originally handled the loan. She advised us that obtaining a copy of the title ourselves could help speed up the process. We did exactly that and were able to receive a title from the XXXX within just a few days showing the lender as the lien holder. We then personally delivered the title to the branch and handed it directly to an employee because the XXXX was unavailable at that time. Despite this, XXXX was later informed that the title we provided did not meet XXXX requirements even though it was the same title issued directly by the XXXX. At this point, we are owed more than {$2000.00} and are still being required to make monthly loan payments, including interest, on a vehicle that was declared a total loss XXXX months ago. Given that we were able to obtain a title ourselves within days, there appears to be no reasonable explanation for why this process has taken so long. Communication from the lender has been minimal and one-sided, and it appears there is little urgency on their part as long as payments continue to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A individual sent me money via direct bank-to-bank transfer to purchase a plane ticket for them. After purchasing the ticket they cancelled and got a partial refund from the airlines and then prompted me to send that money to them via mobile payment service. After the partial refund was sent to them they then claimed a fraudulent transaction claim with XXXX XXXX XXXX XXXX to get full refund by taking my personal money out of my account. I contacted both my financial institution ( Bank of America ) and XXXX XXXX XXXX XXXX explaing the situation to both. I was advised by both to file a police report and file a consumer financial claims reports with the governemental bureau. What was commited was a unauthorized transaction claim or chargeback 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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Paysafe/Skrill regarding the unjustified restriction of my account and withholding of my funds. On or about XX/XX/year>, XXXX froze my account and blocked my ability to access or withdraw approximately {$8900.00} of my own money. Since that time, I have repeatedly attempted to resolve the matter in good faith and have fully cooperated with all verification and compliance requests. Over the past several weeks, I have submitted more than 10 bank statements, income verification documents, and other KYC materials requested by Skrill/Paysafe . Despite my extensive cooperation, the company continues to withhold my funds and has failed to provide a meaningful explanation, resolution timeline, or clear basis for continuing to restrict my account. This situation has caused significant financial hardship because I can not access my money to pay bills and meet normal financial obligations. Skrill/Paysafe continues to provide vague or repetitive responses without resolving the issue. I am requesting that Skrill/Paysafe : * Immediately review and release my funds ( {$8900.00} ) * Restore my withdrawal access immediately and lift account restrictions I believe the prolonged withholding of customer funds despite extensive compliance cooperation is unfair and unreasonable, and I am requesting CFPB assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Bilt Technologies XXXX XXXX XXXX XXXX for their persistent refusal and chronic negligence in closing my credit card account. Since XX/XX/year>, I have repeatedly requested the permanent closure of my account through their official customer service channels. Despite my explicit, multiple written requests, the company has completely ignored my pleas and kept my account active against my will for nearly three months. When I followed up, their support team created an endless loop of delay tactics, failing to process a simple account closure request even after I provided all necessary identification documents they asked for. This deliberate stagnation and deceptive handling of a consumer 's account closure request is an absolute violation of consumer rights. I demand that Bilt/XXXX immediately and permanently close my credit card account and provide official written confirmation that the account has been shut down with a XXXX balance. Please communicate strictly via written response through this portal or email. Do NOT contact me by phone.

Company response to consumer: Closed with explanation