vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: MD

Complaint narrative:
CRI has provided inaccurate information such as dates regarding paper and paperwork submission. Their agents have ended online chats in the middle of conversations. On several occasions they have wrote notes to who they refer to as their back room, however the correspondence from the people making the decisions does not align with what customer service is stating. When I requested to speak to someone in the back room ( the ones handling the loans ), I was told that is not how they do their business. Customers are not allowed to discuss matters with the decisions makers, which means that there is a discrepancy between the two parties. This has led to miscommunication for several months that we are unable to resolve. The customer service agents continue to put notes on my file/loan forgiveness application that the back room fails to read/understand. They deny my application and we start the whole process over again. When asked to speak with supervisors higher than managers, they are unable to comply with that request. Also today in the chat I was given inaccurate dates regarding my documents and then I was promptly hung up on. Please see the attached documents to see the discrepancy in relaying accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a Chime account in XX/XX/year> through a promotional offer advertising a {$350.00} sign-up bonus. The promotion required receiving a qualifying direct deposit, which I completed within the required timeframe. After completing the direct deposit requirement, I was informed that I was not eligible for the bonus because I did not activate my debit card within 14 days of the deposit. However, this requirement was not clearly disclosed on the promotional page I used when signing up. The primary requirement presented was completing a qualifying direct deposit, which I fulfilled in good faith. The debit card activation requirement was either not visible or not reasonably communicated during the signup process. I contacted Chime customer support to request a review, but they denied my request and stated that the debit card activation requirement is part of their internal terms and conditions. As a result, I completed the main advertised requirement but was denied the bonus based on a condition that was not clearly disclosed upfront. This feels misleading and not transparent from a consumer perspective. Here is the webpage for reference XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
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: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX, a payment from another Venmo user was mistakenly sent to an outdated inactive Venmo profile associated with me instead of my current active Venmo profile. The sender intended to send the funds to my current active Venmo account but accidentally selected an older frozen profile due to prior contact history and the similarity of the account names. The payment included XXXX ID XXXX. The inactive account had not been used since XXXX and still contained an unresolved negative balance. Immediately after the payment was received, Venmo automatically categorized the funds as account recovery payments and applied them toward the old balance. Both the sender and I contacted Venmo explaining that the payment was sent to the wrong outdated profile unintentionally and requested review or reversal options so the funds could be resent correctly. Venmo acknowledged that the payment had been automatically recovered toward the balance and confirmed the accounts belonged to me, but stated they could not reverse the payment and did not have a team available to escalate the matter further. I am requesting review of whether meaningful escalation review and correction options should have been available in this situation involving : * mistaken recipient/profile selection * an inactive frozen account with no activity since XXXX * automatic application of funds toward an old balance before manual review I have documentation showing the separate profiles, the mistaken payment, the automatic account recovery payment deductions, and Venmo support responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My Cash App account is $ XXXX. My email associated with my Cash App account is XXXX. I used my Cash App for sending bitcoin out for payments. Cash App temporary suspended my account and requested to access my contacts on my phone. I refused. I both called and email Cash App Support saying that information of people such as addresses, phone numbers, emails, social media, etc .. of people on my contacts on my phone are private and it is against the privacy law of the federal law of the USA to give them out. Cash App is a company inside the USA and they should know that it is against the privacy law of the federal law of the USA to request personal information such as addresses, phone numbers, emaills, ect .. of the people in my contacts in my phone. Cash App then closed down my accounts. They said my activity violated their policy. I contacted Cash App Support asking them exactly specifically what activity violated their policy and how exactly specifically my activity violated their policy. They failed to answer my question. My desire solutions are 1st ) Cash App has to terminiate their employees because they lied because I did nothing wrong. Their employees are liars, and 2nd ) Cash App opens my account back up against because their employees are liars.

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 is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
The Midland Credit Management/XXXX XXXX account is reported with different dates, statuses, pastdue amounts, and account types across XXXX XXXX, and XXXX. These conflicting details can not all be accurate. I am requesting an investigation and removal because the information is inconsistent, unreliable, and can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
There was a fraudulent amount of money added to my Cash App without my authorization I got ahold of cash app customer service twice to make a dispute. I have not received any communication or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX somehow {$64.00} was taken out at an ATM in XXXX XXXX XXXX When I live in XXXX, New York, it says it was a XXXX ATM for a withdrawal. This was unauthorized and my card is with me in XXXX, New York so it is an impossibility that money was taken out at an ATM in XXXX XXXX New York. I filed a complaint with XXXX and disputed it as an unauthorized transaction and they replied and said that they will not pay the money back and that it was authorized use. So in turn I am fighting it to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
For account # XXXXXXXX XXXX XXXX XXXX XXXX I sent a letter requesting this information 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ Purchased ____Assigned 9. Amount Paid if debt was purchased : 10. Commission for debt if collection I did not get any response from MIDLAND CREDIT MANAGEMENT INC

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 when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/year>, I mistakenly submitted two payments on my account in the amount of {$380.00} each. Following the duplicate payment, my account was closed without any prior notification or explanation. I immediately contacted PayPal Cashback Mastercard and was then directed to Synchrony Bank for assistance. I spoke with two separate representatives and clearly explained that the second payment was made in error. I requested that one of the duplicate payments be refunded to me. I was assured that the funds would be returned within 10 business days. However, as of today, the refund has not been processed. On XX/XX/year>, I contacted Synchrony Bank again regarding the status of the refund. During that call, I was once again assured that a check had been mailed to me. To date, I have not received the check or any further communication regarding this matter. This delay has created a significant financial hardship, as the duplicate payment was made unintentionally and the funds remain unavailable to me despite repeated assurances from your representatives. I am requesting immediate resolution of this matter, including confirmation of the refund status and expedited return of the {$380.00} owed to me.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms 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 non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been requesting Bank of America to send me a copy of the endorse note or the transfer of the note along with the mortgage transfer for over 10 years. Transferring the mortgage without transferring the note makes the mortgage null and void which makes the loan modification null and void. Please do the right thing close this account and return back all funds that I have paid since XXXX to Bank of America since they took over XXXX XXXX XXXX. Forging mortgage documents is a crime. How can Bank of America get a loan transfer in XXXX when XXXXXXXX XXXX XXXX has been closed since XXXX. Yes Bank Bank of America bought countrywide home loans who was also known as XXXX XXXX XXXX in XXXX however the note and the mortgage was never transferred during the sale from XXXX XXXX XXXX which makes your mortgage document fraudulent and a crime punishable by law which I'm going to pursue to the fullest. I am attaching XXXX XXXXXXXX decision. The motion without XXXX XXXX 's decision attached as per court ordered. XXXX XXXX XXXX 's decision to Grant foreclosure. Notice of two sales dates. New York state laws that state The loan mortgage can not be transferred without the note being transferred or endorsed and last and finally your mortgage document notarized and signed in XXXXXXXX XXXX XXXX XXXX 5 years after XXXX XXXX XXXX closed. Then I contacted CEO XXXX XXXX XXXX via email. The person that contacted me regarding the email stated Bank of America did not own my loan since XXXXXXXX XXXX XXXX see attached letter sent to me from Bank of America. Which makes matters worse because if Bank of America has not owned my loan since XXXX then why file for foreclosure in XXXX and then put my house up for sale twice. I am aware that the servicing has been transferred to specialized loan servicing and then to new rez AKA XXXX XXXX. But Bank of America never transferred the loan to another company they are still on my deed therefore they are the ones collecting the funds and need to return back all the fraudulent funds they've collected from me bsince XXXX. Everything I am stating can be proved in the court of law. Forging loan documents is a crime, and I plan on pursuing everyone involved in this to the fullest.

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 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX On XXXX XXXX in XXXX Tx On or about XX/XX/year>, I purchased a XXXX XXXX from the store. A deposit was charged to my store-branded credit card account. At that time, my personal ring was also provided to the store for purposes of setting the new stone, resizing the band, and applying rhodium plating. The ring was originally sent by accident to the wrong place and effectively lost and not able to be worked on for over ten days. Then On or about XX/XX/year>, the store manager passed along from the jeweler representative that : 1. The XXXX XXXX could not be set into the ring due to the structure/design of the ring ; 2. The requested resizing could not be completed without damaging the rings design ; and 3. No rhodium plating services were performed. As a result, the transaction for the XXXX XXXX was canceled by the store manager. I took back my original ring. The XXXX XXXX was effectively returned because it was never capable of being used for the intended purpose and was never delivered into my possession. The stone remained continuously in the custody and control of the store and/or the contracted jeweler. The store manager acknowledged the cancellation and refunded the deposit. However, despite the cancellation of the transaction, an additional charge for the full purchase amount was subsequently posted to my account. The manager acknowledged by email this charge was improper and represented that corporate had advised it would fall off after the next billing cycle.she also included screenshots of the refunds. I provided all of this to Comenity. It has now been two billing cycles, and the improper charge remains on my account. I have disputed this matter through the credit card company, Comenity, without satisfactory resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Im writing to file a complaint against NAVY FEDERAL CREDIT UNION for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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 — Problem accessing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
With out notice nor a reason Experian XXXX XXXX suspended my checking account XXXX. I contacted them and requested a reason. I was told that I had not changed my user id or password enough. They required me to send bank statements Identification Social Security card Utility bill and I immediately changed my security question, username, password and PIN number.

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 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I had 3 back to back ATM withdrawals at the same chase. Two for XXXX each and another for XXXX. Then I was charged XXXX from a XXXX XXXX in XXXX XXXX and minutes later got a message from chase saying if a purchase of XXXX from a XXXX XXXX in XXXX XXXX was declined. I then called my bank to dispute those charges as I was in XXXX working and said that those ATM withdrawals werent from me either. I got told because they happened in the city I live at a bank Ive used before that they couldnt guarantee it wasnt me. They then closed the case and havent been able to receive those XXXX dollars back. JP Morgan Chase has done absolutely nothing to help since and Ive been out of those XXXX dollars since. Which has terribly set me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
The collection amount is XXXX The Loan Date was XX/XX/XXXX From XXXX XXXX XXXX XXXX / Advance Financial. Civil Warrant filed date XX/XX/XXXX Hearing Date XX/XX/XXXX by Collections Attorney XXXX XXXX XXXX of amount of XXXX plus court cost that was shown

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account appears to have been associated with my profile despite the absence of any credible documentation establishing ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: MO

Complaint narrative:
I am filing a complaint regarding an inaccurate and illegally reaged collection account being reported by FIN CR NETWK for an alleged XXXX XXXX XXXX bill. The account shows : Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance : {$850.00} Account Number : XXXX This is a clear violation of the Fair Credit Reporting Act ( FCRA ). XXXX. Illegal ReAging : The original delinquency occurred in XXXX, but the furnisher is reporting a XXXX Date of Last Activity. I did not make any payments or have any activity in XXXX. This is an unlawful attempt to reage the account to keep it on my credit report longer than legally allowed. XXXX. Failure to Provide Validation : I disputed this account with the credit bureaus and requested validation from the collector. FIN CR NETWK has not provided any documentation proving the debt is valid or that they have the legal right to collect or report it. XXXX. Reporting Inaccurate Information : The account is being reported differently across bureaus ( open/closed, unknown status ), and the dates and status are inconsistent and inaccurate. XXXX. FCRA Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 623 ( a ) ( 5 ) Illegal reaging of accounts FCRA 611 Failure to properly investigate disputes I am requesting CFPB assistance because the furnisher continues to report inaccurate and unverifiable information despite my attempts to resolve the issue directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX on XX/XX/XXXX, I received a letter in the mail from capital one that I would be getting sent a welcoming packaging for a credit card I have never applied for. I called capital one and explained the situation and they led me to create a credit freeze for the equifax, transunion, and experian credit unions while ending with I should create a report to this website.

Company response to consumer: Closed with explanation