vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
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 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 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
Complaint XXXX : Lockhart , Morris & Montgomery , Inc . Related Company : XXXX XXXX XXXX XXXX. Account Number : XXXX Issue : Incorrect debt amount / failure to properly validate debt / inaccurate credit reporting Complaint : I am submitting this complaint regarding a debt being reported and collected by Lockhart , Morris & Montgomery , Inc. on behalf of XXXX XXXX XXXX XXXX. I formally disputed this debt and requested validation. The balance being reported includes a {$6000.00} remarketing fee that has not been supported by any itemized documentation or evidence of actual costs incurred. The equipment associated with this lease was voluntarily returned. The original termination invoice provided by XXXX XXXX reflects {$0.00} in repossession fees and {$0.00} in excess damages. Despite this, a flat {$6000.00} remarketing fee was added without any explanation or supporting documentation. In response to my validation request, the collection agency has only provided a copy of the lease agreement and a copy of the termination invoice. This does not constitute proper validation of the disputed amount. No itemized breakdown, no proof of actual costs, and no documentation supporting the remarketing fee have been provided. The creditor and collection agency have repeatedly relied on the existence of a lease agreement to justify the charge ; however, the presence of a contractual provision does not, by itself, validate the amount being claimed. A contract does not eliminate the requirement to provide documentation showing that the specific amount being collected is accurate, reasonable, and supported by actual costs. To date, no such documentation has been provided for the {$6000.00} remarketing fee, and simply referencing the lease agreement does not satisfy validation requirements or establish that the charge is legally enforceable. Despite the lack of sufficient validation, this account continues to be reported to credit reporting agencies. My concerns are as follows : XXXX. The amount being reported includes a {$6000.00} fee that is not itemized or supported by documentation of actual costs XXXX. The collection agency has failed to properly validate the disputed portion of the debt XXXX. The account continues to be reported to credit bureaus despite being disputed and unverified XXXX. The information being furnished appears inaccurate and incomplete

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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
This loan was transferred to this company on XX/XX/XXXX. There as a loss draft check transferred in as well. I used the funds to pay off the mortgage on XX/XX/XXXX and the remaining funds will be used to repair the property. I have XXXX different pay did statements all ranging from XXXX to XXXX there was an increase of XXXX from a payoff statement from XX/XX/XXXX to XX/XX/XXXX without reason or explanation. Now the remaining funds for over XXXX are being help for 30 days. This negatively affects my ability to continue with repairs on the property. I have requested the check be sent with a tracking number and they have refused saying it will be sent regular mail. There is no urgency for the release of My funds. And thats not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The consumer is disputing inaccurate and unverified credit reporting by the credit bureaus and furnishers involved. Despite previous attempts to resolve these issues, the consumer continues to face incorrect credit data on their reports. The inaccuracies include duplicate derogatory entries, unverifiable debts, and outdated charge-offs. These errors are in violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) regarding the accuracy of credit reporting, 1681i concerning the reinvestigation of disputed information, and 1681s-2 which addresses the responsibilities of furnishers of information to consumer reporting agencies. The incorrect credit data has negatively impacted the consumer 's credit score, leading to loan denials and higher interest rates, thus causing financial and emotional distress.

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 — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was scammed out of {$750.00} and had proof. Cashapp refused the refund even after I showed I was clearly scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
b'On XXXX I was contacted through XXXX a dating app by a person who was a potential romantic interest and days after communicating they told me about an opportunity to invest my money into XXXX and make a profit to help support myself and my children. I was in the process of a divorce and received money from it and that money was used to send to coinbase and trade what I thought was a legit trading platform but now my funds are frozen and I keep receiving requests for more $ in order to gain access to my funds. Below are all wires sent to Coinbase from my checking account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681c-2 ) that you, the Transunion credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a personal credit card opened up at XXXX XXXX XXXX XXXX under the account number XXXX with a balance of XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. A copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned account maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collection and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned. consumer credit account, collections and hard inquires are the result of identity theft and 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 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: IL

Complaint narrative:
I have received overdrafts which have been ordered so that the penalties are maximized. For example if there were 3 transactions, the bank would process the largest first, so the account was overdrawn, and then process the remaining 2 transactions, charging overdrafts on all three, whereas if they processed the two small charges first, they would have cleared, and then the large one would have overdrawn and resulted in 1 charge. I've paid hundreds of dollars in charges because of this. I reasonably expected transactions to be processed in a way that reflects when they were made or in a way that does not maximize fees. The banks processing method is not transparent in real time, and I had no practical way to avoid these charges. These fees have totaled hundreds of dollars and have created financial hardship.

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 accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime Banking is releasing my personal information which I am currently using to bank to all my transactions and accounts and other financial services including text messages and email accounts which my name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: PA

Complaint narrative:
I have tried repeatedly via chats and emails to stop withdrawal on any and all future debit authorizations on my account so that I can pay by my own terms. They have steadfastly refused to do this. I wrote via chat 3 times XX/XX/XXXX and once via email XX/XX/XXXX. I keep getting a bot answer, and I need to resolve this before my next pay ( which is also incorrect on their end ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a new complaint because new evidence has emerged showing that US Bank is providing contradictory and inaccurate information to consumer reporting agencies. US Bank furnished a derogatory account abuse/unpaid record to both XXXX XXXX XXXX XXXX XXXX XXXX and ChexSystems. I disputed the information with both agencies. XXXX deleted the US Bank record after the bank failed to verify the information. I have the XXXX deletion letter confirming that US Bank could not substantiate the derogatory entry. XXXX, however, reported that US Bank verified the same derogatory information, and refused to delete it solely because US Bank claimed it was verified. These two outcomes can not both be true. A bank can not fail to verify an account to one CRA while claiming to verify it to another. This contradiction indicates : An inadequate or incomplete investigation by US Bank Inconsistent and unreliable reporting A potential violation of FCRA 607 ( b ) ( accuracy ) A potential violation of FCRA 611 ( a ) ( reasonable reinvestigation ) I am requesting that CFPB require US Bank to : Explain why they provided conflicting responses to XXXX and XXXX Provide documentation supporting their verified claim to XXXX Correct the inaccurate XXXX reporting to match the verified deletion at XXXX I am attaching the XXXX deletion letter as evidence. The XXXX dispute response will be provided as soon as I am able to download it. Thank you for your review.

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: 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Complaint Against : Capital One , N.A . Issue : Billing dispute duplicate charge / no service received Date of Transactions : XX/XX/year> Amount : {$100.00} ( charged twice ) I am filing this complaint regarding Capital Ones improper handling and denial of a billing dispute involving a duplicate charge where no service was rendered. On XX/XX/year>, I attempted to purchase a travel visa at a self-service kiosk in XXXX XXXX XXXX During the first attempt, the machine froze and failed to issue a visa. Despite the failure, my credit card was charged {$100.00}. I was then required to repeat the transaction, and the second attempt was successful, resulting in one visa being issued. As a result, I was charged twice ( {$100.00} x 2 ) for a single visa. Only one visa exists and was issued under my passport. I disputed the duplicate charge with Capital One. The dispute was denied based on the merchants claim that both transactions were valid because they were contactless. However, this conclusion is flawed : - A contactless transaction only confirms payment authorization, not that a service was successfully delivered. - The merchant has not provided any evidence that two visas were issued. - It is not possible for two visas to be issued for the same passport in the same transaction session. - One of the charges clearly represents payment for a service that was never rendered. Additionally, Capital One cited procedural reasons for denial, including lack of evidence of merchant contact. I am actively attempting to contact the merchant, but this does not change the fundamental issue : only one service was delivered. Capital One has failed to conduct a reasonable investigation as required under the Fair Credit Billing Act. Specifically, they relied on generic merchant assertions rather than verifying whether two services were actually rendered. Requested Resolution : - Reopen and properly investigate the dispute under : - Duplicate charge, and/or - No service rendered - Require the merchant to provide proof that two separate visas were issued under my passport - Reverse the invalid duplicate charge of {$100.00} if such proof can not be provided I am requesting that Capital One correct this billing error and comply with its obligations under federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: MCMC Auto LTD
State: TX

Complaint narrative:
Dear [ CFPB or appropriate department contact ], I am writing to file a complaint against XXXX and XXXX XXXX regarding inaccurate credit reporting after a repossession. In XX/XX/year>, I resolved a dispute with XXXX and XXXX Cars, as they agreed in writing to delete a repossession account from my credit file. I provided proof of this agreement to XXXX, and the account was subsequently removed from both XXXX and XXXX. However, XXXX and XXXX XXXX continues to inaccurately verify this account, despite my documented correspondence. Their failure to accurately report and correct this error has caused continued harm to my credit standing. I request that the Consumer Financial Protection Bureau investigate XXXX and XXXX XXXX for this improper reporting and take appropriate action to ensure accurate reporting going forward. Please provide me with a timeline for their response and any steps I need to take next. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I am filing a complaint regarding a PayPal Credit ( Synchrony Bank ) charge of {$1100.00} posted on XX/XX/year> ( purchase date XX/XX/year> ) for merchandise that was not received. The package was marked delivered and signed under my name ; however, I did not receive the item and did not sign for it. No one at my residence accepted this delivery. I filed a dispute and provided documentation, including a police report ( Case # XXXX ). The seller has been unresponsive and has not resolved the issue. Despite this, the charge remains under review with no resolution. Under the Fair Credit Billing Act, I am disputing this charge as merchandise not received. I am requesting prompt review and reversal of the charge, as there is no proof that I received or signed for the item.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
There was a fraud/impersonation in XXXX of last year which was finally resolved by CFPB ; thank you. I have a copy of the report that I will attach to this complaint. There were two amounts of {$6500.00} and {$89000.00} involved. I was credited the smaller amount immediately but the larger amount, {$89000.00}, was to be in my account in 2 to 5 days. Chase bank never credit that amount. That was over 70 days ago. I've talked to them many times and was told that it was approved but to give them a few more days. This went on for over 2 months. Last week i demanded to talk to someone in charge. I was transferred to fraud division and then after 66 minuets of waiting to some one named XXXX a manager in Escalation department. She basically told me that the money was mine but they will not give me my money. I needed to submit an affidavit. I reminded her that i had already filed two affidavit. One on XX/XX/XXXX ( copy attached ) and another on XX/XX/XXXX inside the bank, using their notary and with XXXX XXXX, an account manager. Incidentally, I asked XXXX XXXX to give me a copy but she had replied it will be emailed to me. It never was therefore i don't have a copy of it. However, I do have a witness that works at the bank that will confirm it. XXXX replied that she had none in the file. I replied that it is not my problem that the internal control at the bank are so weak. Because this is why i had to file the second affidavit. They could not find the first one. I also mentioned that i am XXXX XXXX XXXX man with physical limitations. It is not easy for me to go to the branch every time. She accepted that the funds are mine and they had been in the account for a while but would not give them back even though they had stated that they will. At this stage, i decided that they don't want to give me back my money unless they are forced to do. I am hoping that this complaint will do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
COMPLAINT AGAINST : Affirm , Inc. ( financial services / buy-now-pay-later lender ) NATURE OF COMPLAINT : Failure to provide meaningful dispute resolution for a purchase made through a merchant that engaged in false advertising and has since ceased operations. DETAILS : In XX/XX/XXXX, I financed the purchase of clear aligner treatment from XXXX ( XXXX XXXX XXXXXXXX, a subsidiary of XXXX XXXX XXXX ) through Affirm in the amount of {$2000.00} The merchant, XXXX, engaged in materially false advertising by representing that its aligners could treat open bites. This was a key factor in my purchasing decision. During treatment, XXXX 's own clinical support staff confirmed that correcting an open bite was not within the capability of their product directly contradicting their advertising. Additionally, the purchase price included XXXX 's advertised " lifetime guarantee, '' which promised free replacement aligners in the event of post-treatment relapse. Despite wearing my retainer as instructed, I am experiencing significant relapse and would be entitled to invoke this guarantee. However, XXXX XXXX fully shut down the XXXX business in XX/XX/XXXX and is no longer able to honor it, constituting a breach of contract. I have formally demanded a refund from XXXX XXXX XXXX XXXX. They refused to substantively address my claim. I am now requesting that Affirm, as the financing party to this transaction, take action to facilitate a refund given that the merchant both misrepresented the services at the point of sale and has shut down without honoring its contracted obligations. I am aware that a federal class action lawsuit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX ) is currently pending against XXXX and XXXX XXXX alleging false advertising and consumer harm on a wide scale. I am requesting that Affirm investigate this matter and take appropriate action to refund the {$2000.00} I financed through their platform for a product that was materially misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear [ CFPB or appropriate department contact ], I am writing to follow up on a prior complaint submitted in XX/XX/year>, regarding an inaccurate repossession account reported by TransUnion. The original dispute was made with XXXX XXXX XXXX XXXX who agreed in writing to delete the account from my credit file. I provided this proof directly to TransUnion. Since then, the account was removed from both XXXX and XXXX ; however, TransUnion continues to inaccurately report this account as verified. Despite my follow-up request, TransUnion did not address the deletion nor acknowledge the email correspondence I have with XXXXXXXX XXXX XXXX XXXX. Instead, I received only a general credit report, which did not address my dispute or their previous commitment. In light of this, I request that your office assist by reopening this case and pressing TransUnion for a formal, detailed investigation. I ask that they specifically address why they continue to verify this account despite the evidence and actions of other bureaus. Please provide a written, detailed response, along with a timeline for resolution. Thank you for your prompt attention to this matter. I look forward to your 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 non-monetary relief