vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my XX/XX/XXXX Citi Card statement I noticed an unauthorized charge on my account. I promptly notified Citi of this charge that was made to my account on XXXX XXXX, XXXX. I notified them within a couple days of receiving my statement with the unauthorized charge. They investigated the charge and came to the conclusion that it was a valid charge. It was a hotel room reservation that was charged for a " no show. '' They sent me a copy of the reservation and it was made by a person unknown to me from a different state. The hotel was in possession of the name, address, and XXXX honors # of the guest ( not me ). But they continued to charge me for a no show. The hotel submitted a form checking a box that said " Documentation to prove the cardholder is in possession of and/or using the merchandise '' and a box that said " signed delivery form, copy of cardholder identification. '' On another form a box was checked saying " card not present. '' On another page the hotel submits information that " XXXX booked your reservation at XXXX XXXX XXXX and the XXXX cancelled your reservation XXXX XXXX XXXX, but the reservation was supposedly was for XX/XX/XXXX. ( why was it booked on XX/XX/XXXX? ) Mostly I am flabbergasted that having faithfully paid thousands of dollars over the XXXX years that I had that Citi card, that Citi would doubt my willingness to pay a relatively small charge. When I contested their findings, they simply told me " too much time had elapsed '' and I had no further recourse. I reported this and contested this in a very timely manner. In summary, I can not feel secure about this company 's ability to protect me from fraud.

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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting this complaint as a follow-up to a prior CFPB case ( Case # XXXX ) regarding my Synchrony account. In my original complaint, Synchrony acknowledged and refunded Card Security fees and associated interest that had accumulated on my account over time. These charges totaled over {$5000.00} and significantly increased my balance. After that resolution, I submitted a goodwill request explaining that these fees directly impacted my ability to pay off a promotional balance before the expiration date. As a result, deferred interest charges were applied to my account. My position is that the deferred interest was not simply the result of missed promotional terms, but a direct downstream effect of a balance that had been materially inflated by charges that Synchrony later refunded. Synchronys response to my complaint did not address this issue. Instead, they provided a general explanation of how deferred interest works under promotional terms, without evaluating the specific circumstances of my account or the impact of the refunded charges on my balance. Additionally, Synchrony did not provide their response to me directly. I only became aware of their response through the CFPB portal. Prior to this, I had made multiple attempts to follow up regarding my goodwill request and did not receive any meaningful updates. In some cases, I received duplicate acknowledgment emails instead of a substantive response. At this point, the core issue remains unresolved. My concern is not about standard policy, but about the fairness of applying deferred interest to a balance that was significantly impacted by charges Synchrony has already determined warranted reversal. I am requesting that Synchrony : XXXX. Provide a substantive response that directly addresses the impact of the previously refunded charges on the deferred interest assessment XXXX. Reconsider the deferred interest as a result of a materially inflated balance XXXX. Address the lack of communication and failure to provide timely and meaningful responses I am seeking a fair and complete resolution that takes into account the full financial impact of charges that Synchrony has already acknowledged should not have remained on my account.

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 2026-04-23 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: NJ

Complaint narrative:
Two fraudulent charges on my debit card totaling {$690.00} dollars. I reported the charges within hours. A week later they denied my claims without documentation or reason, they say it will be 10 more days until someone can call me and explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: TX

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 2026-04-23 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: PA

Complaint narrative:
As per 15usc 1611 Experian is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXXXXXX XXXXXX/XX/XXXX Subject : Formal Complaint Fraudulent Accounts Reporting on ChexSystems To Whom It May Concern, I am writing to file a formal complaint regarding fraudulent accounts that have been reported on my ChexSystems file without my authorization or knowledge. I have identified the following accounts as fraudulent and not belonging to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | ACCT # : XXXX | Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX | ACCT # : XXXX | Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX : XXXX | ACCT # : XXXX | Date of Closure : XX/XX/XXXXXXXX I did not open or authorize these accounts and believe they are the result of identity theft or fraudulent activity. I have disputed these accounts directly with the consumer reporting agencies and/or the creditors ; however, the matter has not been properly resolved. These inaccurate entries are negatively affecting my consumer profile and financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that these fraudulent accounts are removed from my ChexSystems file, credit reports, and any other consumer reporting systems where they may appear. I have attached copies of relevant documentation, including proof of identity, prior dispute correspondence, and supporting evidence of fraud. Please confirm receipt of this complaint and advise me of any additional steps required to resolve this matter. I appreciate your prompt attention to this issue. Sincerely, XXXX XXXX XXXX

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> my Square account was closed without prior warning. The stated reason was 'recent account activity and information provided about my business. ' No specific violations were identified or communicated to me. My account had XXXX chargebacks, zero disputes, and zero violations of Square 's payment terms at the time of closure. My online business, XXXX, is a legitimate digital content brand selling graphic modification assets. The closure occurred immediately following my application for a Square debit card during which I voluntarily submitted government issued ID and business bank statements as requested by Square. My account was closed shortly after this submission with no explanation. Square has informed me that my funds of exactly {$1500.00} will be held until XX/XX/year>, which is a period of approximately six months from now to account for potential chargebacks. I have never received a chargeback in my history with Square. This hold is causing direct financial harm to my business operations and frankly my lifestyle, so conveniently on the day my rent is due. First they stopped my ability to transfer or spend money, THEN they closed my account hours later abruptly. I submitted an appeal to Square requesting an explanation of the closure, a conversation with a support specialist, and immediate release of my funds. Square has not provided a satisfactory response or specific reason for either the closure or the extended fund hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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:
On XX/XX/year> a transaction was made of XXXX at XXXX XXXX XXXX XXXX. On Sunday XX/XX/year> I disputed the transaction on Wednesday XX/XX/year> I was given temporary credit. And on XX/XX/year> after waiting for almost 2 months I get notification that my dispute was denied they didn't provide me with any kind of information nor documentation about why my dispute was denied. So I contacted the merchant and the merchant said Noone had contacted him at all about the transaction or the dispute he then proceeded to issue the refund for the transaction. So I contacted chime because they obviously didn't investigate right and at this point my account is at negative XXXX because they denied my dispute and have reversed the temporary credit. I asked for the dispute to be reopened because I didn't feel like they actually investigated or they would've had approved it and the refund would've been taken care a long time ago. I asked that my account be put back on good standings because obviously my dispute was real and accurate and if they would've investigated like they claim they did they would've approved it and not reversed the temporary. I called twice and both times they did not want to help me reopen the dispute stating I didn't have enough evidence but I thought the issued refund would've been more than enough evidence to reopen dispute since that's what the dispute was about.i don't think it's fair that they gave me the temporary credit then they didn't do their job to investigate the matter so they deny me then they reverse the temporary credit leaving my account in negative balance and Noones trying to hear me out or help me out when I called to inform them they had denied my dispute but they had made a mistake for merchant had issued the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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/XXXX, I was held at XXXX and XXXX XXXX forced to handover my wallet and my phone before I was forced to surrender my Cell Phone. The assailant made me unlock it, then hit me in the face and head a few more times with the XXXX and ran off. I filed this police report with Cash App in regards to several charges that were made to my account after filing these claims with Cash App, they then intern proceeded to try to tell me that part of the refunds are part of the provisionary credits had already been issued, and they have not thats in another former complaint with your office. They then turned around and tried to say that I committed fraud, but wont tell me how thats also in another complaint with your office and then they closed my account again. Also, another complaint with your office however, now Im being told that the claims are starting to deny due to they have proof that I did it. Please see the attached screenshots for the affected claim that was most recently denied in the amount of {$300.00}. I dont know who this vendor is Ive never done business with them. I didnt have my phone in my possession when this transaction took place. Ive provided them a copy of the police report theyre obviously not processing said police report and they dont care to because theyre just rejecting the claims now left and right closing my account and theyre being done with it in a previous complaint with your office. I outlined that they were not going to continue to investigate the open, pending fraud claims that I had because they had closed my account in error. Well, heres proof of that now that my account is closed theyve started denying the claims saying theres no proof of fraud. The police report is proof in end of itself the fact that I reported it as an unauthorized transaction is proof according to the fair credit reporting act, and I expect them to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Parkway Financial Group, LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by my mortgage servicer. A 30-day delinquency was reported on my account ; however, this was the result of a payment processing error involving reversed payments by my financial institution, not a failure to make a payment. I made my mortgage payments in good faith and on time. Due to an error outside of my control, both payments were temporarily reversed, which caused my account to appear past due. This does not accurately reflect my payment history or intent to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app suddenly put my account balance in the negative for no reason, i have no overdraft & there is no evidence supporting their decision that somehow my balance just dropped to - {$200.00}. They already took {$50.00} of it when I moved it from my savings & despite my transaction history being completely normal up until this error by cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Yes XXXX and Chase Banks took fees and overdrafts fees from and I never received and thing back then try to close my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I sent a formal written debt validation demand to Credit Collection Services ( CCS ), XXXX XXXX XXXX XXXX XXXX XXXX, via USPS Certified Mail with Return Receipt Requested, disputing an alleged {$54.00} debt ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, CCS was required to either validate the debt or cease all collection activity within 30 days of receiving my dispute. The 30-day window has expired. CCS has not responded, has not provided any validation documents, and has not confirmed cessation of collection activity. Despite this unresolved dispute, CCS continues to report this debt as a derogatory tradeline to XXXX, XXXX, and XXXX. The account is not marked as " disputed '' on any of the three bureau reports. This constitutes violations of : FDCPA 1692g ( b ) : Continuing collection activity during an active dispute without validating the debt FCRA 1681s-2 ( b ) : Failure to investigate a disputed tradeline FCRA 1681s-2 ( a ) ( 3 ) : Failure to mark the tradeline as disputed I have certified mail proof that CCS received my dispute . The continued adverse reporting is causing ongoing harm to my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau Staff, I am writing to formally request your assistance in resolving a dispute with XXXX regarding XXXX of my accounts. Following XXXX XXXX XXXX I notified XXXX via telephone on multiple occasions regarding my situation. Subsequently, I was contacted by XXXX XXXX XXXX concerning XXXX of these accounts. Despite my injuries, I committed to and have maintained a monthly payment plan with them. I also contacted XXXX directly for guidance on managing my accounts during this period, but I received no response. Despite my proactive communication and adherence to the payment plan with XXXX XXXX XXXX XXXX referred my second account to collections with Cavalry Portfolio Service. This action has severely impacted my credit score and my ability to obtain credit. Furthermore, I have not received official documentation confirming that XXXX XXXX XXXX is authorized to act on behalf of XXXX, and XXXX XXXX XXXX is failing to report my payments to the credit bureaus. I am seeking clarification as to why my account was placed in collections despite my repeated notifications regarding my accident and my established payment agreement. I appreciate your assistance in investigating this matter and ensuring my credit file is accurately updated. Best regards, XXXX XXXX XXXX. Account info Original Creditor : XXXX XXXX XXXX XXXX Merchant Name : XXXX XXXX Original Account Number : XXXX Current Owner : XXXX XXXX XXXX XXXX XXXX. XXXX Account Number : XXXX XXXX. Account info Account name CAVALRY PORTFOLIO SERVICE Account number XXXX Account type Collection Original Creditor : XXXX XXXX XXXX XXXX Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : Cavalry SPV I , LLC

Company response to consumer: Closed with explanation