vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: VA

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 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This debt is inaccurate and currently disputed. The vehicle associated with this insurance policy was a rental and was declared a total loss on XX/XX/XXXX. I returned the vehicle to the owner on that date, and it is no longer in service. The insurance policy should have been canceled effective XX/XX/XXXX. However, the insurance company continued billing beyond that date and has since acknowledged that the account requires adjustment and recalculation for a prorated refund. I have already made a payment toward this account. Despite this, the balance was sent to collections prematurely, before the account was properly reviewed and corrected. The collection agency is now attempting to collect an incorrect amount based on outdated and inaccurate information. I have disputed this debt and requested validation, but collection efforts have continued. I request that this collection be immediately withdrawn, that the account be corrected to reflect the proper cancellation date, and that no negative information be reported to any credit bureaus. This account was reported to collections despite a recent payment and without proper adjustment, which may constitute inaccurate reporting and unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear CFPB, I am a Brazilian citizen and a former customer of Chase Bank ( JPMorgan ). I opened an account at your XXXX XXXX XXXX, as part of a legal Work and Travel program in the XXXX My salary, from my employer, XXXX XXXX XXXX, was deposited into this account. However, due to an error at the branch, my banking information was mistakenly given to another customer. As a result, she received her salary in my account. Upon discovering this, I requested Chase to reverse the payment to her employer so that the funds could be correctly allocated. In response, the bank implemented a protective measure on my account to prevent further unauthorized access. Despite my efforts to resolve this before leaving the XXXX, on my last day, I attempted a large purchase, which triggered another freeze. After returning to XXXX, I contacted Chase repeatedly to unlock my account and transfer the remaining balance ( approximately {$7000.00} ) to an international account so I could access the funds here. Unfortunately, the bank refused, citing suspicion of fraud due to the protective measures. After almost three months, they closed my account, and I have not received any of my remaining funds. I have escalated this matter multiple times : first to my branch XXXX, then to the regional XXXX, and finally to the XXXX XXXX. Despite all my efforts, I have not received any response. This situation has caused me severe financial harm, as well as immense emotional distress. The repeated international calls have cost me thousands, and I fear I may never recover these funds. I kindly request that the Consumer Financial Protection Bureau investigate this case urgently. I ask that Chase Bank provide a full accounting of my funds, an explanation for the closure, and the immediate release of the money owed to me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: NE

Complaint narrative:
My card was stolen. While at work it was being used and I caught it right away and froze my card. I filed a police report, and they caught the guy and charged which 4 fraud chargers. I provided and explained my situation to daily pay and gave them my case number and I even have the phone number of the detective who caught the suspect. I waited and DailyPay ( my payroll card provider ) said they found nothing wrong and said I made the purchases. When I didnt. It was a little over XXXX. I just want my money back. I believe they didnt do a thorough investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Two ACH Transfers were initiated by my employer/ their bank to TD Bank USA for the purpose of expense reimbursement. This type of transaction has been completed dozens/hundreds of times in the past without any major delays. The dates for the transfers/payments were XX/XX/year> in the amount of XXXX and XX/XX/year> in the amount of XXXX. At this point both payments are being held in compliance review without any explanation from TD nor has any resolution been suggested, despite my repeated requests ( over a dozen ) for assistance. The only response given is that " we can't tell you why it's held '' and " we can't tell you when the payments will be released ''. This has created a burden on me financially as I rely on the replenishment to perform my necessary work duties and to avoid interest charges on the credit card account. TD seems to be either unwilling or simply incapable of resolving the issue and getting the funds deposited into my account. My patience is exhausted, hence the need for escalation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During a five year period of which I was incarcerated XXXX thru XXXX. There has been multiple attempts to acquire an auto loan with Capital One in XXXX, I have never applied for loans from this institution nor I have given anyone permission to do so while I was away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint because this company is attempting to collect a debt that I do not legally owe due to identity theft. I never authorized or opened the account associated with this alleged debt, and the information being reported and collected is inaccurate and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
They have shared my personal information with my employer. They continue to harass me after asked them to stop. Told me I have an unpaid balance with XXXX XXXX However I sent them the email twice showing the balance was paid in full years ago. Left me a threatening voicemail mentioning my supervisor by name telling me they are going to contact him. They called me today discussing the paid loan from XXXX XXXX with a another loan company XXXX XXXX. The two company are not related. I asked several times for them not to contact me at work. I can't be on personal calls but they continue to harass me for a paid balance that was processed years ago. I provided proof twice. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I paid {$3000.00} through Venmo for a service that was not delivered as described. The seller misrepresented the service, charged me an amount that did not match what was agreed upon, and refused to resolve the issue. I attempted to dispute the transaction through Venmo, but Venmo denied my claim without asking for any information, documentation, or evidence from me. Venmo did not allow me to speak to a human representative, did not request photos or proof, and closed the case with a generic automated message stating that my claim did not meet their definition of Significantly Not as Described. This classification is incorrect. This was not a quality issue it was a misrepresentation and a service-not-performed situation. Venmos dispute process prevented me from submitting evidence, prevented me from explaining what happened, and prevented me from appealing the decision. I am requesting that Venmo reopen the case, review the evidence, and refund the {$3000.00} that was taken from me for a service that was not delivered as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am being sued by this company XXXX the person that I copy by text they have the wrong adress they never made attempts to call me etc they hired XXXX XXXX XXXX. And when I call that office they are obnoxious refused information said we are suring you I told them you have a bad adress they tried to send priority mail XXXX XXXX XXXX have not lived there 7 years then and adress in XXXX I moved out XXXX year ago I called XXXX they dont pick up the phone o have sent them XXXX emails I have copy of the calls emails and as of today they have not returned my call I called also the attorney office is rude I made contact with the XXXX XXXX and advised security credit services XXXX XXXX XXXX XXXX I have call logs of calls emails. With no response Also I updated my adress and not a courtesy call

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, I was intentionally defrauded out of {$1200.00} through an online rental housing scam. The perpetrator falsely represented a rental property to induce me into sending funds, instructing me to transfer the money via XXXX. I immediately contacted my financial institution, XXXX, to report this criminal theft by deception, request a fraud investigation, and seek a reversal of the funds. The bank 's representatives immediately denied the claim and refused to assist or investigate, stating that because the transaction was executed by me, it was considered " authorized '' and could not be recovered. Classifying an active, documented scam strictly as an authorized transfer without reviewing the underlying criminal fraud or deception violates the spirit of consumer protection. This issue will be reported to law enforcement, and I am filing a police report with the XXXX XXXX XXXX XXXX. I demand that XXXX fully investigate this fraud, cooperate with law enforcement, and reimburse the stolen {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Thursday XX/XX/year> at XXXX XXXX PST I received a call from whom I assumed to be the XXXX XXXX department from home loan company. XXXX XXXX. I was in the process of foreclosure prevention and this individual was impersonal XXXX XXXX. He claimed his name was XXXX XXXX and called from number XXXX. He provided all the details of my past due balance and knew my mortgage information. He stated that we can proceed with loan modification and that it would be great to make a payment on the mortgage principal to start the loan modification process. He mentioned that if I could make the payment sooner the better to avoid it rolling into the next day due to the time differences in Texas. He then asked if I was close to a XXXX XXXX which I wasnt so he then mentioned he would transfer me to the payment department to handle the payment. I was then transferred and that individual mentioned that XXXX is a 3rd party that supports with payments and that they would send me a link to make payments. They then mentioned that the system was down. I went into the site and it did say it was going to be down. This person then mentioned that they would send me barcodes to send money into and if I wanted to save {$40.00} to say its a personal account vs business and to make it out to my name. I should have known them but have never gone through this process. I then sent screenshots to this number as verification. XXXX they then sent me a payment receipt with XXXX XXXX attached to the signature. I would like to just get my XXXX back to be able to keep my home

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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ClarityPay, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I purchased facial equipment from XXXX XXXX during a sales promotion for {$2300.00}, with {$290.00} charged to my debit card ( Account # XXXX ) via Clarity Pay. The equipment was faulty, and I notified XXXX XXXX on XX/XX/year>. Their manager stated that a replacement would be ordered and shipped the following week. Despite multiple follow-ups and repeated assurances, the equipment was not replaced. On XX/XX/year>, I filed a dispute with ClarityPay ( ticket XXXX, Case # XXXX ) for the {$2300.00} loan amount, citing faulty and fraudulent equipment, and requested a refund. According to the contract, disputes must be filed within 60 days if items are faulty or the sale is fraudulent. ClarityPay denied my claim and directed me to seek a refund from XXXX XXXX. On XX/XX/year>, I resubmitted the dispute ( ticket XXXX, Case # XXXX ), but ClarityPay again refused to cancel the {$2300.00} loan or refund the {$290.00} payment, despite being notified within the 60-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: NJ

Complaint narrative:
I purchased a sweater on XX/XX/year> from XXXX XXXX which I researched as a company in XXXX XXXX woman owned for unique clothing. On XX/XX/XXXX, I received a top that did not look anything that I ordered. The company acknowledged a mixup and they fell short in this instance. They offered me a 20 % discount no refund off the {$42.00} for an item I did not order. I made a dispute with my credit card, Thank you from Citi, getting denied once since they did not find an error dispute. I called back to state that the amount is correct but I didnt get what I ordered. The employee agreed that reason didnt apply and put in another dispute. I got denied again for the same reason. I would not be asking for a refund if I got the item I ordered. This is a classic bait and switch.

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 2026-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
b"Between the dates of XXXX XXXX up until XXXX XXXX there were numerous unauthorized transactions occuring. I unknowingly gave my credit card to someone pretending to be someone else, so thats the first unathorized person to use my card, but I later learned they used it for other things as well I didn't allow them to use it for. I mentioned this previously to Discover and it has been a couple months now since then. The purchase amounts were:\n\n10/31/25: 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nI'll more accurately include pictures on my notebook that shows the prices and items that were purchased using the discover card. \n\nThe total amount ranged between XXXX and XXXX dollars usage in the credit card."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
My name is XXXX XXXX. I received a job offer from a company that told me they would pay me {$75.00} per hour to work in XXXX XXXX XXXX. The company mailed me three debit cards from different banks and told me they sent {$1000.00} to each card. I provided personal information, including my ID and Social Security information, because I believed the job offer was real. Later, with the help of my Employment Specialist and Education and Employment Program Supervisor, we discovered the job offer was a scam. We went to Global Credit Union, where bank staff informed us there were attempts to open credit cards in my name and attempts to withdraw money from different states, including Texas, Washington D.C., and Florida. The bank flagged the accounts and placed holds on them because of suspicious activity. I am filing this report because my identity and personal information were used without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: WA

Complaint narrative:
Clutch failed on a XXXX XXXX rented from XXXX XXXX in XXXX XXXX. Contract period XX/XX/XXXX to XX/XX/XXXX. Failure date XX/XX/XXXX at about XXXX XXXX Normal driving on hilly terrain on clean, dry asphalt on XXXX XXXX near XXXX XXXX. Had to abandon the car at a XXXX XXXX eating establishment to find a place to sleep. Found that after an hour-long, hitch-hiked ride. The next day, XX/XX/XXXX at about XXXX XXXX I was able to reach XXXX XXXX in XXXX and made arrangement for a tow and a replacement car. I would have to be at the car for the exchange. I took a bus and arrived comfortably before the appointed time to find the car already gone and no replacement car. I called XXXX XXXX and was now told that I would have to pay {$2800.00} to have a car brought to me. I was told that this was to cover repair expense if I was found negligent. I, and another with me, were stranded. I was under duress to accept the charge. I gave my credit card issuer, Chase, a heads up. I could not yet dispute the claim as it had not yet posted. Their rule. I did receive a {$2800.00} credit about a week later, and assumed XXXX XXXX had become reasonable. It turned out to be Chase that had reversed the charge. They solicited input from XXXX XXXX but not from me. They decided in XXXX XXXX XXXX favor based on the 6-page Exhibit 2 ( enclosed ) ; although this paperwork has no statement of actual cost and no reference to the {$2800.00} amount. The {$2800.00} charge was assessed before XXXX XXXX even had the car in their possession for inspection or repair. Chase did not consider my later appeal of their decision which I faxed to their office on XX/XX/XXXX ( enclosed 2-page Exhibit 3 ). They claim that I did not get this to them in time, and that the case is closed and can not be reopened. Their XXXX decision letter ( enclosed Exhibit 1 ) does not communicate a deadline for appeal. My complaint is that Chase, instead of hearing and giving due consideration to my case, is siding with XXXX XXXX who has presented a largely unsubstantiated claim that I owe them {$2800.00}. I expect more from Chase, as do their other customers who are vulnerable to certain merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: 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 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I discovered that Credence Resource Management was attempting to collect on an account that I did not authorize. Upon review, I determined the account was the result of identity theft/fraudulent activity. I immediately filed an FTC Identity Theft Report and formally disputed the account directly with the company. I requested validation of the alleged debt, copies of all supporting documentation, and that the account be blocked and removed pursuant to FCRA Section 605B.

Company response to consumer: Closed with non-monetary relief