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: WA

Complaint narrative:
I am writing this complaint because my claims have been investigated in less than XXXX. I've provided proof that I do not own a XXXX as I was banned from XXXX over a year ago. I sent an email that was from XXXX that states I can no longer use XXXX. I submitted a police report as well. All of this to say I did not authorize these charges and to be investigated in less than XXXX hours is bizarre because it shows there hasn't been an effort to resolve this issue. This has caused my stress and confusion. I have been banking with chime for over XXXX years and this is the first time I submitted a dispute. This only makes me want to leave chime for the lack of car and good faith I to this matter.

Company response to consumer: Closed with explanation
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: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint against Chime regarding an unresolved billing dispute that was filed on XX/XX/year>, involving an incorrect charge from XXXX in the amount of {$310.00}. This charge was the result of a billing error after I was instructed by a XXXX representative to make a {$20.00} payment to restore my service. Despite following those instructions, my service was disconnected and I was improperly charged. I filed a dispute with Chime on XX/XX/year>, and provided all requested documentation. Since that time, I have not received any meaningful updates regarding the status of my claim. I was also informed that I do not qualify for a provisional credit, which has caused financial hardship. I have made multiple attempts to obtain an update and escalate this matter through XXXX customer support, but representatives have refused to escalate my case or provide specific details regarding the investigation. I have not been informed whether XXXX has responded to the dispute, nor have I been given a clear timeline for resolution. This lack of communication and failure to properly handle my dispute is unacceptable. I am requesting : - A full refund of {$310.00} for the incorrect XXXX charge - A clear status update including whether the merchant has responded - Immediate escalation and proper review of my dispute - Improved communication regarding the handling of my claim

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm here to dispute the inaccurate reporting of late payments for XXXX and XX/XX/year> on my credit report for the account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Upon reviewing my credit report, I noticed that Experian reported these payments as late, but XXXX did not report any late payments for these months. This discrepancy is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that credit bureaus report information with maximum possible accuracy. Since Experian reported late payments while XXXX did not, this inconsistency directly violates the FCRA 's accuracy requirement. The incorrect reporting by Experian has harmed my credit score and negatively affected my financial opportunities. The failure of XXXX to report these late payments further contributes to the inaccuracies in my credit file. I am requesting that this error be corrected immediately, and that the Experian report be updated to reflect accurate payment history for the months of XXXX and XX/XX/year>.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America has issued contradictory decisions regarding my identity theft case. XXXX. Internal Inconsistency : For Claim # XXXX ( totaling {$3400.00} ), the bank issued a letter on XX/XX/year>, agreeing to refund {$1800.00} but denying the remaining {$1600.00} as " authorized ''. This is logically impossible. If the bank admits that part of this claim was fraudulent by issuing a partial refund, they must acknowledge that the entire event was unauthorized. XXXX. Previous Approval : The bank already proved my account was compromised by approving a related claim ( # XXXX ) for {$6200.00} on XX/XX/year>. XXXX. Disregard for Official Evidence : I provided a formal Police Report ( XXXX XXXX ) signed by a Sergeant on XX/XX/year>. A bank supervisor verbally dismissed this official document as " not evidence. '' This refusal to honor a sworn law enforcement document violates the bank 's duty to conduct a good-faith investigation under Regulation XXXX. I demand a full refund of the remaining {$1600.00}.

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: IA

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading reporting by Bonneville Collections on my credit reports. This company is reporting multiple collection accounts ( XXXX separate accounts ) for what appears to be the same original creditor, XXXX XXXX XXXX. These accounts have similar dates, balances, and characteristics, which raises serious concerns about duplicate or inflated reporting. Reporting multiple accounts for what may be the same underlying obligation is misleading and damages my credit profile unfairly. This creates the appearance of multiple delinquencies when it may only represent a single obligation. I have not been provided with clear documentation showing that each of these accounts represents separate, valid debts. I have also not received proper validation including : - Itemized breakdown of each individual account - Proof that each account is a separate and legitimate obligation - Documentation supporting the accuracy of each reported balance This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), as the information being reported is misleading and potentially duplicative. If these accounts can not be fully and accurately verified as separate obligations, they must be removed.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
As a result of a recent data breach, my personal identifying information was compromised and used without my authorization. Consequently, unauthorized accounts, unfamiliar credit inquiries, and incorrect late payment records have appeared on my credit reportnone of which I opened, approved, or recognize. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally requesting a full reinvestigation of these accounts and inquiries. I ask that any information found to be inaccurate, unverifiable, or fraudulent be permanently deleted from my credit file. Enclosed is supporting documentation, including an Identity Theft Report, to aid in your investigation.

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 was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing this complaint because TransUnion ( Dispute # XXXX ) and the listed creditors ( XXXX XXXX XXXX XXXX XXXX ) have failed to conduct a reasonable investigation as required by the FCRA. I contacted these companies directly to resolve these reporting errors. In each instance, I was told by representatives that they " can not do anything '' because the accounts are closed. However, these same companies are simultaneously verifying these accounts as accurate to TransUnion. If a company can not access an account to assist a consumer, they lack the documentation necessary to legally verify the debt to a credit bureau. Furthermore, a related collection account for the same XXXX debt ( XXXX FOR XXXX XXXXXXXX XXXX ) was already investigated and deleted by TransUnion in this same dispute. The fact that the collection was removed while the original " charge-off '' remains is inconsistent and proves the data being reported is inaccurate. Since the creditors claim they can not access these closed accounts, they must be deleted immediately. The XXXX amount of {$520.00} closing on XXXX XXXX XXXX XXXX XXXX amount of {$660.00} closing on XX/XX/XXXX, and XXXX XXXX ( Date and amount not specified ) needs to be deleted immediately.

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: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received XXXX emails showing that XXXX transactions were made using my cash app account. My cash app card was in my possession at all times. I did not share my information with anyone. The first transaction was a balance inquiry. The second transaction was {$100.00} withdrawal. The third transaction was a {$61.00} withdrawal. All three of these transactions were done within a minute 's time showing XXXX XXXX XXXX ATM. I immediately canceled my card and filed the dispute for both transactions. On XX/XX/XXXX the {$100.00} dispute was decided in my favor and the {$100.00} was returned to my account. The {$61.00} dispute was denied. I appealed this decision. On XX/XX/XXXX the appeal was denied. I contacted customer service XX/XX/XXXX and requested documentation to show how they came to this decision. They emailed me a voucher your showing that a transaction for {$61.00} was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened a Target credit card account online in XX/XX/XXXX while making a purchase on XXXX. This was a one-time transaction. After opening the account, I did not receive the physical credit card or any monthly billing statements ( by mail or email ) for several months. As a result, I had no way to track the balance, due dates, or payment requirements during that time. In XX/XX/XXXX, I first received a letter regarding the account. Upon receiving this letter, I immediately contacted the company and paid the full amount of the original purchase. I also requested that the account be closed at that time. On XX/XX/XXXX, I received the first phone call from the company regarding the account, during which additional outstanding charges for late fees and interest were mentioned. I am disputing these charges because I was not provided with timely access to the credit card or billing statements for several months after account opening, and therefore could not reasonably be aware of any payment due dates prior to receiving the XXXX notice. I am requesting : Full waiver of all late fees and interest charges Written confirmation that the account is closed with a {$0.00} balance Assurance that no negative information is reported to my credit file

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, OnXX/XX/XXXX, I deposited cash via a Bank of America ATM and received a receipt confirming the deposit. As of today, Wednesday, the funds have still not been made available. Bank of America typically makes deposits available immediately, yet it has been XXXX days. Despite contacting the bank via phone, visiting in person, and even using social media, they have not resolved the issue. I am incurring late fees and interest because I can not transfer this money to pay my bills. I urgently request your intervention to ensure Bank of America releases the funds immediately. I expect a prompt resolution given the documented timeline and the financial impact this delay has caused. Thank you for your immediate attention.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

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 using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
CFPB Complaint TD Bank Fraud Investigation Failure To Whom It May Concern, I am submitting this complaint regarding TD Banks handling of my fraud dispute and their failure to conduct a reasonable and complete investigation into unauthorized transactions on my account. TD Bank denied my fraud claim without demonstrating that a meaningful or complete investigation was conducted. They did not provide any explanation or documentation showing that key evidence was reviewed, such as call recordings or logs, transaction authentication data, merchant verification, or surveillance footage where applicable. Their conclusion appears to be based on assumption rather than a documented investigation. I was not informed of what investigative steps were taken, nor was I provided with evidence supporting their determination. I previously raised concerns requesting a proper and thorough investigation, but I do not believe those concerns were addressed or resolved. Because of this, I am requesting CFPB review of TD Banks handling of my dispute and a full reinvestigation of the fraudulent activity. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
the mortgage originator sold the mortgage to Fay Servicing. Fay Servicing sent me a dunning notice saying that i hadn't made the mortgage payment -- -which is true. But they hadn't sent me an invoice saying what i owed and when it was due. i called them and asked for the invoice. the person i spoke said that she couldn't/would n't send me an invoice. I asked to speak to her supervisor hoping the resolve the matter. She hung up on me.

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: Chime Financial Inc
State: CA

Complaint narrative:
I called XXXX and explained the bad service XXXX hours after paying the bill. Troubleshooting was done but no change in service. The XXXX day I called to cancel service and change providers. Supervisor gave acceptance to a refund for service payment. XXXX after the call with the supervisor and team member assuring the refund a text was sent saying the case was closed and that a refund was rejected. I appealed this to XXXX and they continued to refused the refund saying data was being used after the call with the supervisor who approved the refund. They accepted the refunded. Assured me of it. Hung up the phone and within XXXX hours I received a text on the same day with a refund denial and case closed. Total lies and manipulation to get me off the phone and have to call again and spend hours trying to retrieve my refund. Its beenXX/XX/XXXX days since I disputed this with chime and yet to no avail have received my refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
They quit accepting payments auto payments And that made late on payments for the loan. Then the closed the account. They also kept confusing me with another customer.

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 was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions on my Nordstrom charge account and the handling of my fraud dispute. On XX/XX/year>XXXX ( posted XX/XX/year>XXXX ), the following transactions were made on my account without my knowledge or authorization : {$63.00}, {$430.00}, {$600.00}, {$360.00}, {$11.00}, and {$330.00}, totaling {$1800.00}. I became aware of these charges after receiving a credit alert and immediately took action by contacting customer service to report the suspected fraud. During my initial call, I attempted to file a fraud claim ; however, the representative incorrectly processed the claim. As a result, I was required to call again to properly report the unauthorized transactions. During my second attempt, I was informed that the fraud claim was filed and that I would receive a letter in the mail regarding the appropriate determinations of the filed claim. Subsequently, I received two separate letters, both dated XX/XX/year>. One letter stated that a temporary credit had been applied to my account while the matter was under review. The second letter, however, stated that the transactions were determined to be valid and that I had benefitted from them. These contradictory determinations, issued on the same date, raise serious concerns about the integrity and accuracy of the investigation process. I dispute these findings. I did not make, authorize, or benefit from any of the transactions listed above. Furthermore, I have not used this account for a significant period of time prior to these charges. The merchant location ( s ) involved should have surveillance footage and transaction records that could verify the identity of the individual who conducted these purchases. I request a detailed explanation of how the determination was made that these transactions are valid, including what evidence was reviewed and how it supports the conclusion that I authorized or benefited from these charges. To date, no such proof has been provided. Under applicable consumer protection laws, I should not be held liable for unauthorized charges, particularly in the absence of a reasonable and well-documented investigation. The handling of my claim appears to be deficient and inconsistent. As a resolution, I request that : 1. All unauthorized charges totaling {$1800.00} be permanently removed from my account. 2. Any associated interest or fees be reversed. 3. A full and transparent explanation of the investigation findings be provided. 4. My account be corrected to reflect that these charges were fraudulent. I appreciate your prompt attention to this matter and expect a timely and fair resolution.

Company response to consumer: Closed with explanation