vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Company Involved : Chase ( credit card issuer ) Merchant : XXXX ( transaction displays as XXXXXXXX XXXX XXXXXXXX ) Amount : {$440.00} ( pending transaction ) Transaction Date : XX/XX/year> I am seeking assistance regarding a pending credit card charge resulting from merchant misrepresentation. 

On XX/XX/year>, I book a two-night stay at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX IL. The booking interface was visually identical to the official XXXX website. The branding and presentation reasonably led me to believe I was booking directly with the hotel. 

The transaction on my credit card appears as XXXXXXXX XXXX XXXXXXXX and displays the hotels branding and logo. At no point prior to payment was it clearly disclosed that the reservation was being processed by a XXXXparty vendor ( XXXX ). I only became aware of this after receiving the receipt. 

The advertised nightly rate was {$130.00}, yet the total pending charge is {$440.00}. I immediately requested cancellation and was informed the reservation was non-refundable and that only a voucher would be issued. I do not wish to accept a voucher. 

I am disputing this charge under misrepresentation and services not as described. The merchant descriptor further reinforced the reasonable belief that this was a direct hotel booking. 

I am requesting assistance to ensure this pending charge is properly investigated and refunded to my original form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
An account from Eastern Account System, originally from XXXX XXXX, is being reported on my credit report. The account shows as paid and closed, with an original balance of approximately {$91.00}. 

I requested validation of this account and documentation showing that the debt was accurately reported and verified, including the original agreement and full account records. I have not received sufficient documentation confirming the accuracy of the reporting. 

Because the company has not provided proper validation or documentation verifying the debt and its reporting, I am requesting that this account be investigated and removed from my credit report if it can not be fully verified in compliance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX : PayPal , Inc . 
Consumer Product : Prepaid card, money transfer, or virtual currency -> Money transfer Complaint Narrative : I am filing this complaint against PayPal for failing to protect me against a documented fraudulent transaction and for summarily rejecting my dispute despite clear evidence of a scam. 

On XX/XX/year>, I authorized a payment of {$49.00} to an individual ( Recipient : XXXX XXXX, Email : XXXX ) for XXXX services ( VIP access/QR codes ). Immediately upon receipt of the funds, the recipient engaged in " bait-and-switch '' tactics and failed to provide the service. 

The evidence of fraud is as follows : Non-Delivery : The seller provided a login and link that were immediately non-functional, claiming " technical maintenance '' only after the funds were sent. 

Fraudulent Misrepresentation : The seller made false claims about " XXXX blocking access '' to justify the lack of delivery. 

Inconsistent Information : The seller 's " support '' persona admitted they did not have access to the product they had just sold. 

I provided PayPal with timestamped chat logs showing the sellers immediate pivot to excuses once the money was transferred. PayPals " Purchase Protection '' is intended to cover services not received. By rejecting my claim, PayPal is allowing a known fraudulent actor to use their platform to solicit funds under false pretenses and move those funds out of the reach of the consumer. 

I am requesting that the CFPB compel PayPal to re-examine the evidence provided, reverse this fraudulent transaction, and investigate the recipient 's account for suspicious activity. 

Desired Resolution : A full refund of {$49.00} and a formal review of the recipient 's account to prevent further consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I want all monies that was reported to be fully refunded to be fully returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX I was contracted to do some handy work in a home. The client agreed to pay daily rates, she paid these rates over a period of XXXX weeks. In the last week of our communications she began to contact me at XXXX and XXXX becoming very disrespectful. I refused any further work, she then contacted the bank and claimed that I had fraudulently been paid for services that she was paying for after the service was completed. Zelle banned my bank account and has not allowed me to obtain an account with them since. I have all the text communication saved in my phone and can provide this info upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
My paycheck from work was garnished and the debt was collected, then they garnished my income tax return also... they got paid XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I contacted synchrony Bank. I had a Lowes charge card open with them for quite a few years. Never once have I been late - Ever. I was late one day out of the ENTIRE term of having the card open ( quite a few years ). They charged me {$30.00} for being late XXXX day past the due date this month - XX/XX/year>. I am incredibly displeased on how they didnt take this in consideration, and applied a {$30.00} late fee for one day late due to processing issues. I asked them to close my accounts with Syncrony- ALL of them. It has left a horrible distrust with this specific banking institution. Never have I been charged a late fee on ANY of my open revolving accounts. I have paid all of my credit cards on time and this is the only time I was late ever and the course of XXXX years on ANY of them. I feel the institution is taking advantage of consumers by applying {$30.00} late fees on accounts thats are past due by ONE day. I would not recommend this credit card to anyone. They are not loyal to Customers that have ALWAYS paid on-time. They will do ANYTHING to make money off of loyal consumers! Poor taste to those who have ALWAYS paid on-time. Agent kept insinuating the fact I was ONE day late & the fee needed to be applied. Horrible service.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
I opened a business checking account with U.S. bank. Well it has been a nightmare I ordered Checks for business account however I received XXXX checks when I ordered XXXX and a self endorsement stamp well I get the check in the mail XXXX weeks later after paying for expedited shipping to only open the box and have XXXX checks with no stamp fine I go to the branch and talk with the branch manager and the business banker we call deluxe the XXXX party that was responsible for my order we speak with deluxe they offered a full refund and told us to replace the order we did here we are XXXX days later still no new order and no refund

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 2026-02-18 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a member of SchoolsFirst FCU. I disputed multiple transactions for an illegal, unlicensed gambling merchant ( XXXX XXXX XXXX ) that is operating in violation of California XXXX XXXX XXXX and XXXX XXXX XXXX ( Effective XX/XX/year> ). 
I provided the bank with : Proof of the California law banning this specific " sweepstakes '' business model. 
Proof of formal legal service ( Certified Mail ) to the merchant demanding restitution. 
Written evidence that the merchant misrepresented their legal status to the bank to bypass restricted merchant codes. 
Despite this, SchoolsFirst denied my dispute on XX/XX/year>, and refused to investigate the " XXXX XXXX '' claim. The branch manager verbally advised me to " seek legal advice '' rather than following Regulation E dispute procedures. 
The Issue : The bank is knowingly allowing an unlicensed merchant to retain funds from void, illegal transactions. This is a violation of the Electronic Fund Transfer Act ( Reg E ) and XXXX  " Business Risk Assessment and Mitigation '' ( XXXX ) rules. 
Resolution Sought : I request that SchoolsFirst FCU reopen the dispute under " Merchant Misrepresentation, '' assert my rights under XXXX 's " Merchant Violation of Law '' rules, and issue a full refund of the disputed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IN

Complaint narrative:
On XXXX at XXXX the Atm failed to dispense my 200 dollars. I contacted the atm company who verified their was a code to do not honor the transaction. I filed a dispute with cashapp to return my funds and they haven't returned my money to my account yet. They also have failed to contact the ATM company who I called and verified this with. The ATM company will verify with this agency that this information is valid and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I'm having trouble paying my mortgage because I'm paying off credit cards and home repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERV XXXX Collection {$400.00} Balance as XXXX Payment details Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Minimum monthly payment {$0.00} Terms XXXX month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Product : Credit card Company : JPMorgan Chase Bank Related insurer : XXXX XXXX XXXXXXXX XXXX XXXX. 
Claim number : XXXX Complaint description I am filing a complaint regarding unreasonable delay and improper handling of a lost luggage insurance claim provided with my Chase Sapphire Reserve credit card. 

XXXX : XX/XX/XXXX : I traveled from XXXX to XXXX. My checked baggage was lost on this flight by the XXXX XXXXXXXX. 

After XXXX days, XXXX formally determined that the baggage was permanently lost and issued a written determination confirming the loss along with a settlement payment equal to the maximum amount allowed by law. 

XX/XX/XXXX : Immediately upon receiving XXXX written determination and settlement confirmation, I submitted this documentation to Chase as part of my lost luggage insurance claim ( Claim # XXXX ). 

Chase representatives had repeatedly stated that a settlement from the common carrier was required, which I had already provided. 

XX/XX/XXXX : After receiving automated emails claiming documentation was missing, I called again and was told I must submit receipts for all replacement items. I submitted all requested receipts on XX/XX/XXXX. 

Despite this, I continued receiving automated emails stating that I was missing : Documentation from the carrier confirming the baggage was lost, and A copy of the settlement or denial from the carrier both of which had already been submitted and verbally confirmed as received. 

XX/XX/XXXX : I called again and was verbally assured that all documentation was complete and that my claim was under review. No written confirmation was provided. 

XX/XX/XXXX : I received yet another automated email requesting the same carrier determination and settlement documentation that had already been submitted and verbally confirmed multiple times. 

Issue : I have now spent over a month in an automated loop where : Chase and/or its claims administrator repeatedly claims documentation is missing, Representatives verbally confirm on phone calls that the file is complete, No written confirmation of completeness is ever provided, and No substantive review or determination has been issued. 

This constitutes unreasonable delay, lack of clear communication, and failure to properly administer a credit card insurance benefit that was a key feature of the product. 

Resolution requested : I am requesting that Chase : Ensure this claim is assigned to a human examiner ( not automated processing ), Provide written confirmation of claim completeness or a specific written deficiency list, and Issue a final claim determination without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
This Zion debt holding company continues to reopen a debt collection charge for {$3600.00}, through TransUnion. The original debt shows to be from company called XXXX which I have never had an account. This XXXX debt holding company never provides documentation of the debt when requested. This debt only shows on my TransUnion report, and will fall off when disputed, and then will reappear periodically with a different original debt holder company name. This is fraudulent activity that is negatively affecting my credit and TransUnion continues to allow and fail to properly investigate when disputed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding ACE Cash Express and the subsequent collection of this account. 

Prior to default, I was experiencing financial hardship and would have requested a structured payment plan had XXXX been made reasonably available. Instead, the account was sent to collections. 

I am not refusing to pay this debt. I am requesting a reasonable and affordable repayment arrangement. I am seeking the opportunity to resolve this account without continued fees, interest accrual, or aggressive collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I was contacted about debts that I do not recognize and did not incur. I believe someone used my identity to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I reported multiple unauthorized transactions to Chime Bank by phone through customer support. I was informed that they would investigate the matter and send me a new debit card. However, after some time, my claim was denied without any supporting evidence or explanation being provided to me. 
The following transactions were not authorized by me and were not made by me : 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 {$160.00} The total amount of these unauthorized transactions is {$970.00}. Despite informing the bank that these charges are fraudulent, my claim continues to be denied, and the issue remains unresolved. 
dispute claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: CA

Complaint narrative:
I am attached XXXX letters that summarize what happened and I will give a brief outline here as well : Dear CFPB I am filing this complaint regarding fraudulent activity on my Chase credit card. Chase has failed to properly resolve or remove unauthorized charges despite my disputes .Details : Account : Chase credit card ending in XXXX Fraudulent charges : Attached under separate cover Total amount : exact dollar amount XXXX, approximately {$83000.00} I reported this to Chase on approximately XXXX via phone and followed up with emails of the correct and incorrect charges. Chase has denied the dispute but has not offered any explanation as to why and no one, neither Chase nor XXXX can tell me what any of the unauthorized charges are for, even though they were purchased with my credit card. 
These are clearly unauthorized transactions under the FCBA and EFTA. I have taken the following steps : Contacted Chase multiple times. 
Contacted XXXX. 
I have not filed a police report as in the initial call with Chase they said that was not necessary. Although I can file XXXX if there is any chance it will help resolve this matter. 
I request that the CFPB : XXXX. Investigate Chases handling of this fraud claim. 
XXXX. Investigate XXXX ability to limit me and not allow me to know what charges are being made to my account, despite my requests. 
XXXX. Require Chase to fully remove the charges and any related fees/interest. 
XXXX. Provide me with a written response from Chase. 
The supporting documents are quite voluminous, many pages of statements and many charges, I can email these to any address if needed, or can print and mail if needed, although Chase already has all of this information. Please contact me at the information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I am filing a complaint regarding an alleged {$150.00} debt related to XXXX advertising services that I dispute and did not knowingly authorize. 

On XX/XX/XXXX, I began using XXXX advertising after being offered a {$300.00} promotional credit. Shortly after starting, on XX/XX/XXXX, I emailed my XXXX representative expressing concerns and stating that I wanted to cancel the service because I was not receiving legitimate leads and was uncomfortable continuing. 

On XX/XX/XXXX, I clearly stated in writing to my XXXX representative that I could not afford to go beyond the promotional credit and requested assistance. I relied on XXXX representations and assistance to ensure I would not incur additional charges beyond the promotional amount. 

Throughout XXXX and XX/XX/XXXX, I asked multiple questions about my remaining credit and where messages and notifications were being sent, because I was not seeing clear warnings or billing notifications. My questions were not fully answered, and I was not provided clear instructions on how to prevent additional billing. 

On XX/XX/XXXX, I was informed for the first time that my promotional credit had been exhausted and that I had already accrued additional charges totaling approximately {$120.00}. I did not authorize these additional charges. 

From XX/XX/XXXX to XX/XX/XXXX I requested access to call recordings and documentation through multiple emails and phone calls showing that I authorized charges beyond the promotional credit. XXXX has not provided these recordings despite multiple requests. 

The account was later sent to collections XX/XX/XXXX, through XXXX, and the balance increased to {$150.00} without clear explanation. I formally disputed the debt with the collection agency. While XXXX provided general account statements, they did not provide proof of explicit authorization or the requested call recordings. 

I do not believe I knowingly authorized charges beyond the promotional credit. I attempted to cancel the service early, clearly stated that I could not afford additional charges, and requested assistance to avoid going over the promotional amount. 

I am requesting that XXXX provide proof of authorization, including call recordings, or withdraw the debt from collections entirely and cease collection efforts.

Company response to consumer: Closed with explanation