vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: CA

Complaint narrative:
A fraudulent transaction was made by the Merchant XXXX. Four unauthorized transaction were made. {$25.00}, {$25.00}, {$50.00}, and {$50.00}. Totaling {$150.00}. The merchant was contacted by email regarding these unauthorized debits. XXXX stated that there is no account i my name therefore this is considered fraudulant. The bank is required to credit back these amounts. All proof was submitted to Chime Bank to credit these amounts. One dispute was created for these transaction and was not approved by Chime Bank. This is incorrect and suspicious by Chime Bank. Request to credit back the amount of {$150.00} which was unauthorized. A new dispute has been requested to review this again. Dispute # XXXX was denied in error. A new dispute has been requested by me to have this corrected Dispute # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I switched over my account from consumer to business and I paid the remaining balance at the time I switched over accounts, and they are still trying to charge me. I have a business account with XXXX. I have even tried to call to straighten this out. I have had no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, XXXX XXXX, am filing this complaint regarding Truist Banks improper handling and withholding of legitimate funds from an incoming wire transfer. On XX/XX/year>, I received a wire transfer in the amount of {$40000.00}, which is clearly reflected in my account transaction history. This payment was tied to a legitimate business transaction, supported by an invoice and confirmed by the sender, XXXX, whose bank is XXXX XXXX Bank in Hawaii. The wire details and invoice documentation confirm that this was a valid consulting payment that has already been marked as paid. Despite this, Truist Bank has frozen my account, is in the process of closing it, and is refusing to release my funds. I have been informed that the matter has been escalated to their corporate investigations department, yet I have been given no way to contact this department, no timeline for resolution, and no transparency regarding the status of my funds. It has now been multiple business days, and I have been completely denied access to approximately {$30000.00} {$40000.00} of my own money. This lack of access is causing severe financial harm, preventing me from operating my business, paying essential expenses such as rent, groceries, and daily living costs, and maintaining my livelihood. Truist has also refused to provide the funds in person or offer any immediate resolution, effectively holding my money without justification or due process. I am requesting immediate release of all funds, along with a clear written explanation for the actions taken against my account. Truist Banks actions have caused significant financial and personal hardship, and their failure to provide access, communication, or a resolution timeline is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CA

Complaint narrative:
I am filing a complaint about Citibanks handling of a credit card dispute involving an XXXX transaction for {$11000.00} dated XX/XX/XXXX. The transaction was for XXXX XXXX XXXX, item : XXXX XXXX XXXX L IS XXXX XXXX. I returned the item through XXXX return process and later had records indicating that XXXX showed the return as completed and that a refund had been issued or would be processed. However, I never actually received the refund. Citibank initially issued a conditional credit, but then denied the dispute and reversed that credit. In its XX/XX/XXXX letter, Citibank stated that the merchant claimed the merchandise was not returned, that there was no Return Merchandise Authorization ( XXXX ) showing the merchant agreed to accept the return, and that the delivery information I provided did not indicate whether the correct merchant address was used. My complaint is that Citibank closed the dispute without fairly resolving the contradictory evidence. On XXXX hand, I had records indicating that XXXX represented the return/refund was being processed. On the other hand, Citibank accepted the merchants position that no valid return was made. I believe Citibank failed to conduct a reasonable investigation into the return authorization, the return destination, and the refund status. I am requesting that Citibank reopen the dispute and review all supporting evidence, including : XXXX screenshots and written communications showing the return/refund status, any proof of return authorization or return instructions, shipping and delivery records, XXXX denial letter dated XX/XX/XXXX, proof that the refund was never actually posted to my account. I want Citibank to provide a substantive reinvestigation and either restore the credit or explain in detail exactly what documentation is still required to validate the return and refund 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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called and spoke with an agent. I was unaware of the charge on my card as no notice or notification was sent to me. She told me to update the app, which I did, but I am still unable to receive notifications. So, I will have to write down my due date due to a glitch within their system. I dispute interest rate hikes : if your rate was raised due to a lower credit score caused by not being notified, ask them to revert the rate now that the data is blocked. The agent agreed to remove the late charge on my card on XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1666 S 15 U.S. Code 1666 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: MI

Complaint narrative:
To Whom It May Concern, I am responding to Citibanks continued position that the merchant provided evidence that I was given the option to view or download the sewer camera inspection video. If such evidence exists, I am formally requesting that it be provided to me in verifiable form. Specifically, please provide : The actual sewer camera inspection video, including date and time stamp The name of the application the merchant claims I was instructed to download Timestamped proof showing when and how I was provided access to the video Any documentation, communication, or system record confirming that video access was delivered to me To date, none of this has been provided. Citibank continues to rely on a general statement that evidence was provided without producing that evidence. A signed invoice does not verify delivery of a separate digital product such as video footage. If the inspection video exists as claimed, it should be easily retrievable with a date and time stamp. The inability to produce this raises serious concerns as to whether the service was fully delivered. This matter remains unresolved solely because the video I paid for has not been provided. Producing the video would immediately resolve this dispute. I am requesting that Citibank either : XXXX. Provide the timestamped evidence referenced in your decision, or XXXX. Reconsider the dispute due to lack of verifiable proof of delivery Please provide a written response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I cancelled a layaway with a company and they are refusing to give me my money back and the bank isnt helping with the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a call from XXXX. It was a woman trying to arrange for a time when I could accept documents from a process server. She gave me the number XXXX. Said it was for " kleinburg legal solutions '', although I can not verify their existence, and I might not even be spelling it correctly. When I did call they were in possession of my address, my previous address, my social security number, my birthdate, and other identifying information for myself and my wife, XXXX. They stated that I owed {$5000.00} for a charge off from citigroup from 2019. Which never happened. My credit has been practically flawless for over 12 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing the response submitted by National Credit Systems. The documentation provided does not constitute proper validation of the alleged debt. A copy of a signed lease agreement only establishes that I was a tenant and does not verify that any balance is owed or that the amount claimed is accurate. Additionally, the single email regarding hot water repairs is incomplete and does not demonstrate that the issue was fully resolved. This reflects an ongoing habitability concern during my tenancy. To properly validate this debt, I am requesting : 1. A full itemized statement of all charges leading to the claimed balance owed 2. A detailed ledger showing how this amount was calculated 3. Move-out accounting records, including any security deposit deductions 4. Proof of assignment or ownership of the debt by National Credit Systems 5. Complete maintenance records related to the hot water issue, including proof it was fully resolved The response provided fails to meet the requirements for debt validation under the Fair Debt Collection Practices Act. Until proper validation is provided, I request that this account remain disputed and be removed from all credit re porting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX financed a XXXX XXXX on my XXXX # XXXX. The procedure was unsuccessful and has failed. I am still in pain and now require additional expensive treatment. I submitted all necessary documents to Cherry, including a specialist report from XXXX XXXX XXXX which clearly shows that the XXXX XXXX has failed. Cherry reviewed my dispute but still refused to cancel or remove the charges. The dental work was performed at XXXX XXXX. I have also sent a formal complaint to XXXX XXXX demanding they take responsibility for the failed procedure. I believe I should not be held responsible for paying for dental work that was not successful. I am requesting that XXXX XXXX XXXX remove all remaining charges related to XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> SoFi froozr my account and said they were closing all 3 accounts and did not tell me why but also redused to give me my money in the account said it could take up to 60 days. I have children and all my money is in that account. They are closing my account bc retaliation on filing the last complaint against them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: MI

Complaint narrative:
On XX/XX/year>, I purchased a vehicle through XXXX. During the online checkout process, I was offered and I selected aXX/XX/XXXX monthly " Autopay Discount. '' This discount was clearly displayed as an incentive to enroll in automatic payments. However, upon reviewing my final Retail Installment Contract, I noticed the discount was not applied. My loan details are : Amount Financed : {$6400.00} XXXX : XX/XX/XXXX Term : XX/XX/XXXXmonths Monthly Payment : {$280.00} Mathematically, aXX/XX/XXXX XXXX on a {$6400.00} principal for XX/XX/XXXXmonths results in a payment of approximately {$280.00}. Therefore, the {$280.00} I am being charged represents the full, non-discounted rate. If the promised {$10.00} discount had been applied, my monthly payment should be {$270.00}. I contacted Carvana 's customer service via chat on XX/XX/year>. The representatives ( XXXX and XXXX XXXX acknowledged that I am enrolled in Autopay and that the system showed the discount should be there. However, they ultimately claimed that because the contract was " systematically locked, '' they could not honor the $ XXXX discount or modify the agreement. XXXX representative even falsely claimed the " undiscounted '' price would have been {$290.00}, which would imply an APR of over XX/XX/XXXX, contradicting my signed XX/XX/XXXX APR contract. I am seeking a resolution in the form of a {$240.00} principal credit to my account ( representing the $ XXXX discount overXX/XX/XXXXmonths ) to honor the terms agreed upon during the checkout process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting an additional complaint regarding a new issue with Chase Bank, separate from my ongoing claim. I currently have an active investigation under review related to ACH transfers from my account. I want to clearly state that this is not a fraud case. The transactions were authorized. This is a dispute involving a transfer that was not properly completed, as the funds were accepted by the receiving institution but were not released or returned. After I submitted my complaint regarding this issue to the Consumer Financial Protection Bureau, Chase restricted my account. This action occurred after my complaint was filed and while the investigation is still ongoing. I am an XXXXyear-old pensioner, and my only source of income is my Social Security. Due to this restriction, I do not have access to my funds and am currently unable to pay my rent or cover basic living expenses. This situation has created serious hardship for me. I have never had issues with my account before, and I have always acted in good faith. While I understand that verification may be required, requiring me to appear in person under these circumstances places a significant burden on me given my age. The fact that my account was restricted after I filed my complaint is very concerning to me. While I can not determine the intent, it feels as though I am being treated unfairly after seeking help to resolve a legitimate issue. Instead of assisting in resolving the original problem, Chases actions have made my situation more difficult and have further limited my access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
STATUTORY BREACH OF WARRANTY - 34 DAY REPAIR ( VIN : XXXX ) I am formally invoking the FTC Preservation of Consumers Claims and Defenses Rule ( 16 C.F.R. 433.2 ) against USAA, and the Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 ) against XXXX XXXX. Attached is XXXX XXXX XXXX Repair Order. The empirical metadata on this document is indisputable : XXXX Opened : XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX : XXXX on XX/XX/year>XXXX Cumulative Days Out of Service : 34 Days Under Maryland Commercial Law ( 14-1502 ) and strict Federal Warranty statutes, a vehicle out of service for warranty repairs for a cumulative total of 30 or more days during the presumptive period constitutes an un-rebuttable statutory breach. The vehicle is a lemon. XXXX XXXX failed to conform this vehicle to its express warranties within a reasonable time. Because USAA financed this defective collateral, under the FTC Holder Rule, USAA is strictly subject to all claims and defenses I possess against the seller/manufacturer. DEMAND XXXX XXXX must immediately initiate the statutory buyback protocol, refunding all down payments, monthly payments, and collateral costs. USAA must immediately freeze all negative credit reporting and suspend loan obligations under the Doctrine of Failure of Consideration, as the underlying collateral is fundamentally compromised and statutorily defective. If a written intent to buyback is not received within 14 days, my counsel will initiate formal litigation in civil court under the Magnuson-Moss Warranty Act, seeking the full repurchase price, treble damages, and all attorneys fees which are federally burden-shifted to the manufacturer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive been experiencing issues with processing my credit card payments since XX/XX/year>. Especially, when I attempt to make extra payments on my card it follows a cycle of debit ( - ), credit ( + ), and debit ( - ), yet this doesnt reduce the amount I owe, while my savings account is being debited as usual. I contacted both Chase Bank ( for my credit card ) and XXXX XXXX ( for my savings account ) to resolve the problem, neither bank has provided me with a satisfactory resolution. Instead, theyve been blaming each other for the issue.

Company response to consumer: Closed with explanation