vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I searched online for XXXX XXXX support to add checked baggage to an existing reservation. I called a number that falsely represented itself as XXXX customer support. During the call, I was told there was an issue with the reservation and that I needed to pay {$170.00} immediately to correct it. Believing I was speaking with XXXX XXXX, I provided my card information. After the call, I contacted XXXX XXXX directly using the official number from XXXX and confirmed that no issue existed with the reservation and no payment was required. I later realized I had been the victim of an impersonation scam. The charge appeared as XXXX for {$170.00}. I disputed the transaction with Coinbase XXXX XXXX XXXX XXXX XXXX The merchant later sent an email asking me to reply stating I authorize/I agree to the payment. I never responded to that email and never provided written authorization to XXXX. However, the formatting of the email misleadingly made it appear as though authorization had already been provided. Despite explaining the fraudulent impersonation and lack of authorization, the dispute was denied on XX/XX/year> on the basis that the transaction was authorized. On XX/XX/year>, I requested escalation, supporting documentation, and reconsideration of the dispute, but I have not received any response since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy and completeness of the XXXX collection account currently appearing on my consumer report. The information being furnished is materially inconsistent. I have attached documentation from the debt collector, XXXX XXXX XXXX, reflecting a balance of {$1100.00}, while the account currently reported on my consumer report reflects a different balance of {$980.00}. Because conflicting balances are being reported regarding the same alleged account, I dispute the accuracy, completeness, and reliability of this tradeline pursuant to the Fair Credit Reporting Act. I request a reasonable reinvestigation and verification of : * the correct balance, * date of first delinquency, * current account status, * furnishing records, * and the method of verification used. Please provide the name of the furnisher and the procedure used during your investigation. If the information can not be fully and accurately verified with competent documentation, I request deletion of this account from my consumer file pursuant to the FCRA.

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 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The reason for my complaint today is because I have been requesting help for XXXX months from my lender JP mortgage in Chase. Several times I had contacted them and they have transferred me to the modification department when I have explained that Im going through a hardship. I had a divorce last XX/XX/year>. Im currently divorced and was granted the house. My ex-husband was behind on payments and I tried to get caught up through the end of XX/XX/year> but it was hard to do by myself and with a child in school. I got behind on my payments andthen lost my job in XX/XX/year>. So I contacted my lender, JP mortgage & Chase to help me since Im going through a hardship. I was for sure that I would qualify for a forbearance, but My lender gave me the run around. They werent helpful in my stressful situation and kept sending me to the modification department saying I had to do a XXXX modification plan when I have explained to them that I was unemployed & couldnt make the XXXX month trial payments because I wasnt employed. im delinquent XXXX months and will be going into foreclosure soon. I then contacted a HUD counselor and this is what they advise me to do.Im delinquent XXXX months and will be in of foreclosure real soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint relates to a Chase Business checking account belonging to XXXX XXXX. On XX/XX/year>, Chase debited {$1800.00} from the account under the description Adjustment for Duplicate Item. Prior to that, on XX/XX/year>, Chase also processed a separate debit for {$1800.00} labeled Deposited Item Returned. After reviewing the account history, I could not identify any duplicate deposit corresponding to the alleged duplicate item adjustment. There is no visible duplicate credit/deposit entry matching the debit adjustment. I contacted Chase multiple times by phone seeking clarification and resolution. During these calls, I was transferred between several departments, but no representative was able to clearly explain where the duplicate deposit allegedly occurred or provide documentation supporting the adjustment. I specifically requested : Copies/images of both checks allegedly considered duplicates Identification of the two corresponding deposit entries Transaction IDs and deposit dates related to the alleged duplicate item A detailed explanation supporting the adjustment As of today, Chase has not provided sufficient evidence showing that the check was deposited twice. I believe the account may have been incorrectly debited or adjusted in error, and I am requesting a formal investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am submitting this follow-up complaint regarding the account XXXX ending in XXXX, which was opened on XX/XX/XXXX, and currently reflects a {$0.00} balance with the last activity reported on XX/XX/XXXX. Upon reviewing my credit reports, I discovered that this account is inaccurately reporting 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. I dispute the accuracy of these reported late payments and request that the account be corrected to accurately reflect Paid as Agreed, as the reported delinquencies are inconsistent with my payment history and supporting records. Since the opening of this account, I have consistently made timely payments and complied with all agreed-upon terms and obligations. My records, including account statements and payment confirmations, demonstrate responsible account management and do not support the reported late payment history. Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing this inaccurate reporting. Pursuant to 15 U.S.C. 1666 regarding correction of billing errors, consumers have the right to dispute inaccurate account reporting, and the reported late payments appear to constitute such errors. Additionally, 15 U.S.C. 1666a requires furnishers to properly investigate disputed information and avoid inaccurate reporting during the dispute process. Furthermore, FCRA 611 ( 15 U.S.C. 1681i ) provides consumers the right to dispute inaccurate information with consumer reporting agencies, while FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) require furnishers to investigate disputed information and correct or update any inaccurate reporting.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a payoff payment of {$6900.00} ( full balance ) from my mobile Capital One app. on XX/XX/XXXX. I made purchases on XX/XX/XXXX that showed up on Capital One mobile app and I made another full balance payment of {$110.00} on XX/XX/XXXX ( using same method as previous {$6900.00} payment ) from the ONLY bank account linked to my Capital One account. The {$110.00} payment went through successfully. On XX/XX/XXXX after my credit card declined at a store, I immediately went into the app to make a full payment. I then noticed in the app that my {$6900.00} payment was rejected and was now a balance due back in my Capital One account. I once again made a full balance payment of {$6900.00} ( new balance with a couple new transactions ). I called Capital One to understand why this happened. A Senior Account Supervisor told me I attempted to payoff from an account number XXXX and it was rejected. I don't have an account number with those numbers and I'm the only person with access to the account. I explained there must have been a technical error on their part. The supervisor continues to tell me that account is linked to my phone app and I did make the mobile payment from this nonexistent account number in my mobile app. I'm then told the new payment I just made is on hold for 6 days because of the previous rejected payment. After repeatedly asking for their IT team to investigate the error, I was told there was no further escalation possible and they are unable to remove the 6 day payment processing hold. I will accrue interest and my credit reporting will be impacted due to end of month agency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> at XXXX XXXX, XXXX online purchase attempts were made at XXXX using my Chime XXXX XXXX Credit Card. Transaction XXXX : {$2.00} approved Transaction XXXX : {$220.00} initially declined, then approved by Chime on XX/XX/XXXX at XXXX AM without my authorization. I did not make either purchase. I filed a dispute for both transactions on XX/XX/XXXX. Chime approved the {$2.00} dispute on XX/XX/XXXX, confirming it was fraudulent. However, on XX/XX/XXXX, Chime denied the dispute for the {$220.00} charge even though it was made at the exact same time, from the same merchant, using the same card number. When I called Chime, the representative told me the denial was based on documents I submitted, but the only documents they referenced were screenshots of my XXXX account purchase history ( which clearly does not show any XXXX orders for {$220.00} ) and my Chime statements ( which also do not show any such purchase made by me ). I asked Chime what additional documentation I could provide for an online unauthorized transaction. They could not answer. They told me to contact XXXX, but XXXX informed me they can not release information about orders placed with a card number and that I must resolve the issue with my bank. I called Chime again and was told I could reopen the dispute only if I provided new supporting documents. I asked if a police report would qualify, and the representative said yes. I filed a police report and reopened the dispute on XX/XX/XXXX. On XX/XX/XXXX, Chime denied the dispute again. When I called for an explanation, the representative refused to tell me whether Chime contacted XXXX, could not explain why the {$2.00} charge was considered fraudulent but the {$220.00} charge was not, and ultimately ended the call stating he could not resolve my issue. Chimes handling of my dispute violates multiple provisions of Regulation Z ( 12 CFR 1026.13 ), including : 1026.13 ( c ) ( 1 ) failing to conduct a reasonable investigation of a billing error 1026.13 ( c ) ( 2 ) failing to obtain or review evidence from the merchant 1026.13 ( d ) ( 1 ) failing to provide a written explanation of the reasons for denying my claim 1026.13 ( f ) failing to resolve the dispute within two billing cycles 1026.13 ( b ) ( 3 ) improperly requiring me to provide documentation that is not reasonably available for an online unauthorized transaction I am requesting CFPB assistance because Chime has failed to properly investigate an unauthorized online transaction, has provided no explanation for inconsistent dispute decisions, and has not given me any path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
Im writing to file a complaint against Aldous & Associates 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I am writing to formally request an immediate escalation and final adjudication of my pending Borrower Defense to Repayment application for XXXX University, submitted on XX/XX/XXXX ( Case ID : XXXX ) Under federal regulations governing Borrower Defense claims, the Department of Education is bound by a strict 3-year ( 36-month ) statutory timeline to review and issue a final determination on materially complete applications. As of XX/XX/XXXX, my application has officially exceeded this 36-month regulatory deadline and remains stalled in " In Review '' status. Because the Department has failed to issue a timely decision within its own legally mandated timeframe, I am requesting : An immediate human review and formal status update on my case. Confirmation that my loans will remain securely held in administrative Borrower Defense Forbearance with interest suppressed or paused, preventing any servicer-initiated repayment actions while this regulatory delay is corrected. Thank you for your prompt attention to this overdue matter. I look forward to receiving my final determination.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my consumer report. I am also a documented victim of a major data breach that exposed my personal information, which requires heightened procedures to ensure maximum possible accuracy under the Fair Credit Reporting Act. There are unauthorized inquiries, inaccurate negative account details, and incorrect payment history being reported without sufficient documentation or competent evidence showing the information is complete and accurate. In addition, proper documentation, details regarding the method of verification, and proof that reasonable procedures and safeguards were applied have not been provided. The continued reporting of inaccurate and unverified information is negatively affecting my credit profile and financial standing.

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 2026-05-29 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: CA

Complaint narrative:
There was a fraudulent charge of {$40.00} for plates on my XXXX account to someone I do not know. I did not buy any plates. No one has access to my account but me. I reported this to XXXX as fraud via the help chat and was told it would take approx 10 business days to investigate. Five minutes later I received an email saying theyre denying my request without any explanation. I contacted someone via the chat again and she said she cant help and that I will need to try and contact someone else at XXXX, but didnt provide any contact information. Theres no way this was even investigated. This is very unethical and theyre creating more work for me as I now need to contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I cancelled my cruise with XXXX XXXX XXXX for my XX/XX/XXXX and XX/XX/year> cruise. XXXX sent my money back to JP Chase bank ending in debit XXXX, I closed my account last XXXX because I was getting hacked into my online checking account. I was at Chase Bank yesterday, spoke to XXXX on XX/XX/year> at Chase and said it was sent back to XXXX. XXXX XXXX XXXX provided me with the XXXX and said Chase accepted it, but Chase claims they don't have the funds. I'm owed {$120.00}, for the soda package, {$110.00} and {$220.00} that Chase claims they returend, but XXXX didn't receive it back from chase. Enclosed are the XXXX for XXXX of the XXXX items I spoke with XXXXXXXX XXXX XXXX multiple times, last spoke with the resolutions dept on XX/XX/year> It been XXXX months, still wasn't refunded my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
I am disputing this collection account because multiple companies have attempted to collect the same alleged debt, yet neither company has properly validated the debt or proven legal ownership and authority to collect it. I received collection communications regarding an alleged XXXX XXXX account from Monarch Recovery XXXX and later from XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I sent written disputes and requests for validation to both companies requesting full debt validation, proof of ownership and chain of title, assignment records, the original signed agreement, complete account history, and proof of legal authority to collect and report the debt. Despite these requests, the companies failed to provide competent evidence establishing lawful ownership or legal standing to collect the alleged debt. Instead, they provided generic account statements and internally generated documents that do not sufficiently validate the debt under the FDCPA and FCRA. The fact that multiple companies attempted to collect this same alleged debt without properly establishing ownership or authority has caused confusion and concern regarding who, if anyone, legally owns the account and has the right to collect it. Despite my disputes, collection efforts and credit reporting activities have continued. I believe the investigations performed were incomplete and inadequate because my requests for proper validation and chain of title were not fully addressed. I am requesting that the companies provide full legal validation and proof of ownership of the debt, including complete chain of assignment and authority to collect, or cease collection activity and correct any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am writing to report a serious credit reporting non-compliance issue by my mortgage servicer, XXXX/LoanCare ]. This account underwent an official loan modification following a period of forbearance. While the account comments explicitly state 'Loan Modified ' to reflect this adjustment, the historical payment matrix continues to display damaging 180-day late balance tracking parameters from the pre-modification era. Under the CARES Act and subsequent CFPB compliance guidelines, a servicer must report a modified account accurately without perpetuating frozen, suppressing, or outdated arrears markers that distort the consumer 's current credit standing. This reporting structure violates 15 U.S.C. Section 1681s-2.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On Saturday, XX/XX/XXXX, I was attempting to sell an item on XXXX XXXX for {$10.00}. Someone reached out, offered to pay via XXXX. When I sent information over, they claimed the payment was on hold, and needed to contact " XXXX XXXX ''. I did, and was told I'd be sending them money to open an account that would be eligible to receive the money, but it would be sent right back. I made a payment through XXXX of {$4000.00}, just following along with instructions at the time, and labeled it as " for friends and family '' because I was told it would avoid fees. Obviously, that was not the case, and I realized I was being scammed when a second attempt was made to no avail. I had filed a claim with my bank, Wells Fargo, right after, and reported the transaction to XXXX. Both of which have now resulted in there's nothing my bank, or XXXX, can do.

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