vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
For months I have been completing gas cashback rewards offers through the Walmart OnePay XXXX app. The offers displayed under the " gas '' tab of the offers displayed upon opening your rewards activity show cashback offers for completion at specific gas stations. The offer explicitly stated that any eligible card synced to the OnePay app can be used for the offer. I elect to use my XXXX XXXX as it offers the most cash back for gas purchases with it, and because it is clearly displayed as eligible. Upon completion of the offer there is no verification for status of completion, or any way to track whether or not the offer was even accepted or in process. After multiple lengthy discussions with onepay AND synchrony service reps I checked my rewards activity balance, only to find that miraculously the completed rewards were now being reflected ( see attachment ). The resulting runaround over months of trying to resolve this dispute has caused untold amounts of stress and mental anguish as the offers require me to travel to specific gas stations in the hope that the completed offer will reward more cashback than the gas expended traveling to the station. It is no way FREE money. I have earned it through the completion of the offers. And Walmart is either withholding the reward, or denying me access to processes for verification. Either way I feel i have been misled by this practice every step of the way.

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 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account dispute XXXX Bank Account XXXX To Whom It May Concern, I am disputing the XXXX Bank account on my credit report as inaccurate and unverifiable. I previously filed a complaint with the Consumer Financial Protection Bureau, and the matter has been escalated to the XXXX XXXX XXXX XXXX. Despite this, the account continues to be reported without proper verification. The furnisher has failed to provide competent evidence linking me to this account. Their response relied on an IP address and electronic signature, which does not establish identity or authorization. Under 15 U.S.C. XXXX, you are required to conduct a reasonable reinvestigation. This includes verifying the accuracy of the information through reliable and documented methods, not merely accepting automated responses from the furnisher. You are required to provide : XXXX. The method of verification used in your investigation XXXX. The source of the information used to verify this account XXXX. Documentation provided by the furnisher supporting their claim If this information can not be produced, the account must be deleted immediately for failure to meet the standard of maximum possible accuracy under 15 U.S.C. XXXX ( b ). Additional Evidence of Inaccuracy : The furnisher, XXXX Bank, reported that the last payment on this account was made on XX/XX/XXXX. However, Experian is reporting the last payment date as XX/XX/XXXX. This discrepancy confirms that the information being reported is inconsistent between the furnisher and the credit reporting agency. A XXXXday variance in a specific transactional data point demonstrates that the data is not being reported with maximum possible accuracy as required under 15 U.S.C. XXXX ( b ). This inconsistency raises serious concerns regarding the reliability of all data associated with this account, including ownership, payment history, and account activity. As such, this account can not be considered verified through a reasonable reinvestigation. See Exhibit [ XXXX ] XXXX Bank correspondence See Exhibit [ XXXX ] Certified mail receipts ( showing multiple attempts at requesting proper validation. Failure to properly reinvestigate will be documented as willful noncompliance. Sincerely, 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 2026-05-03 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX I tried to add a bank account to my XXXX so I can transfer money over. My XXXX account is fairly new so I was only able to add a card and wanted to attach my bank account for no fees on transfers. XXXX system flagged me and asked for an account verification. So I sent in a picture of my drivers license as they requested. XX/XX/XXXX I get an email that my account has been permanently banned and my money ( over {$700.00} ) has been frozen for 180 days. My sister is the one who sent most of this money so this is family-family transactions. Besides a couple XXXX XXXX transactions. I dont think it is logical to hold my money because their internal automatic system made an error!! My drivers license matches me, it matches my account name and all information. There was zero reason for their system to suspend my account. However at the point I dont care to use their system. I just need my money to be released to me sooner than 6 months!!! 30 day hold? Sure! But 6 months is ridiculous. My Venmo email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I contacted XXXX and asked them to stop processing my card, they told me to talk to my bank. I called Bank Of America, they told me to contact XXXX. XXXX has also been changing their company name and keeping a digital card on file with my information. Bank of America has refused to delete this digital card until yesterday after allowing a payment to go through, after being told not to allow those transactions through. This is again due to XXXX changing their company name but keeping a digital card with my name on file. The Bank has refused to give me any other help rather reporting 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 2026-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding a disputed {$340.00} collection account. FDCPA Violation ( Failure to Validate ) : On XX/XX/XXXX, the collection agency received my written request for debt validation via Certified Mail ( USPS delivery confirmation PDF attached ). Under 15 U.S.C. 1692g, they were legally required to cease collection activities until validation was provided. They failed to respond and instead illegally verified the debt to XXXX and XXXX on or around XX/XX/XXXX. Unverifiable Debt : This alleged debt stems from a move-out at a former apartment complex in XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative at the leasing office of the original creditor, who explicitly confirmed they do not possess any ledgers or itemized records prior to XXXX. Therefore, the original creditor can not provide the itemized statement required by Colorado Revised Statute 38-12-103. The collection agency is illegally verifying a debt that the original source admits it can not document. FCRA Violation ( Inaccurate Reporting ) : The collection agency is misreporting data to the credit bureaus. On an XXXX investigation report dated XX/XX/XXXX, the collection agency falsely lists itself as the 'Original Creditor ' for this Rental/Leasing account. Furthermore, they are reporting an impossible Date of First Delinquency ( XX/XX/XXXX ), which is the exact day I vacated the property. A post-move-out charge can not legally be delinquent on the actual day of move-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am disputing a delinquency reported by Chase Bank that is based on an alleged cancellation of autopay which I did not authorize. This caused me to miss my XX/XX/year>2026 payment. Chase asserts that autopay was canceled and that a notification was mailed to me. However : I did not cancel autopay at any time No notification of cancellation appears in my online account, despite all other correspondence being consistently available there Chase has refused to provide any audit trail or evidence demonstrating that this cancellation was authorized by me ( e.g., IP address, device, timestamp, or method of request ) The reported late payment is therefore based on unverified account activity and unsubstantiated claims of authorization. As a result, I am being harmed by inaccurate credit reporting derived from an account change that Chase can not validate. I have maintained a long history of on-time payments and had autopay in place specifically to prevent this type of issue. This situation appears to result from an unverified account change rather than a failure to pay. I am requesting : Documentation demonstrating that the autopay cancellation was authorized by me Documentation showing proper and verifiable notification of that cancellation If such documentation can not be provided, removal of the associated delinquency from all credit reporting agencies This matter concerns the accuracy and verifiability of reported information under the Fair Credit Reporting Act. Reporting a delinquency based on unverified account activity is not appropriate. I request a formal investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX SSN : XXXX TransUnion File Number : XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Dear Transunion, I am disputing the accuracy and completeness of the account reported by XXXX XXXX Bank ( account ending in XXXX ). I previously requested validation of this account. The response I received failed to provide any competent evidence that I am legally obligated for this debt. No signed agreement, full account history, or proof of authorization was provided. Additionally, XXXX XXXX Bank stated they are not required to validate under the FDCPA because they are the original creditor. However, this does not exempt them from their obligations under the Fair Credit Reporting Act to report only information that is accurate, complete, and verifiable. Because no proper verification has been provided, this account is currently unverified and is being reported without sufficient evidentiary support. Under FCRA XXXX, I am requesting : - A full reinvestigation of this account - The method of verification used - Copies of all documents used to verify this account If this account can not be properly verified, it must be deleted immediately. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau and further legal action for reporting unverifiable information. This letter serves as a formal notice of dispute. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: OK

Complaint narrative:
This complaint involves my mortgage servicer ( escrow account ) and my insurer, XXXX XXXX XXXX and XXXX XXXX. My homeowners insurance policy ( XXXX XXXX ) had an annual premium of {$2300.00} for the policy period XX/XX/XXXX to XX/XX/XXXX. This premium was paid in full through my mortgage escrow account. On XX/XX/XXXX, XXXX XXXX issued an amended declaration stating that a HOME/AUTO DISCOUNT was removed and applied an additional charge of {$600.00} for the remaining XXXX months of the policy term ( XX/XX/XXXX through XX/XX/XXXX ). This {$600.00} mid-term charge represents an annualized increase of {$1200.00}, raising the effective annual premium from {$2300.00} to approximately {$3500.00}, which is a 51 % increase. On XX/XX/XXXX, my mortgage servicer disbursed {$600.00} from my escrow account to XXXX XXXX for this charge. This payment was made before I received a clear explanation or calculation of the increase. As a result of this XX/XX/XXXX disbursement of {$600.00}, my escrow account now has a shortage, which may lead to an increase in my monthly mortgage payment or a demand for a lump sum payment. I did not receive a clear itemized breakdown from XXXX XXXX explaining how the {$600.00} charge was calculated, what percentage of my premium the removed bundle discount represented, or what my new total annual premium is after the XX/XX/XXXX change. I have attempted to contact XXXX XXXX to obtain this information but have been unable to obtain a clear explanation. I am requesting : XXXX. A full itemized breakdown of the {$600.00} charge issued XX/XX/XXXX XXXX. Confirmation of my correct annual premium before and after XX/XX/XXXX XXXX Review of the XX/XX/XXXX escrow disbursement of {$600.00} XXXX. A hold on any escrow shortage adjustments or mortgage payment increases until this issue is resolved This {$600.00} charge should not be treated as valid or applied through escrow without proper documentation and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified reporting by JPMCB Card Services on my consumer report. The account listed as JPMCB Card ( {$2500.00} ) is being reported as closed while still reflecting an outstanding balance. This reporting is misleading and does not comply with the accuracy and integrity requirements under the Fai Credit Reporting Act ( 15 U.S.C. XXXX ) or Metro 2 reporting standards. I previously disputed this account with the credit reporting agencies, yet JPMCB verified the account without providing any documentation demonstrating : - A valid, enforceable contract bearing my signature - A complete accounting of the alleged debt - Proof of proper assignment if the account was charged off or transferred Additionally, the reporting appears inconsistent and inaccurate, including but not limited to : - Status of " closed '' with a balance ( potentially misrepresenting the account condition ) - Failure to properly report charge -off status, payment history, or XXXX balance if applicable - Lack of clear documentation validating the debt Notably, a similar account with another creditor was removed after failing to meet verification standards, raising further concern about the reliability of this account 's reporting. I am requesting the following : XXXX. Immediate investigation of this account 's accuracy and compliance XXXX. Deletion of the account from my consumer report if it can not be fully verified XXXX. Written documentation showing the method of verification used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: IN

Complaint narrative:
I am disputing an inaccurate debt related to XXXX XXXX. In XX/XX/year>, I initiated an account setup but canceled before installation. No service was ever installed, activated, or used, and I never received any equipment. Despite this, XXXX billed the account and sent it to collections ( Credit Control , LLC ). This issue has already been disputed and removed once before, but it has reappeared again, indicating a recurring error. I contacted XXXX multiple times, and representatives provided inconsistent information about installation dates, could not provide any billing breakdown, usage data, or proof of installation, and repeatedly transferred me without resolving the issue. XXXX has not provided any documentation proving that service was ever installed or used. I am requesting : - Removal of the invalid balance- Recall of the debt from collections - Deletion from all credit reporting - Written confirmation that no service was installed or that the charges were invalid - Permanent correction so this does not happen again This repeated inaccurate reporting is damaging and must be resolved.

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 2026-05-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a XX/XX/XXXXcomplaint against Cash App regarding an unresolved unauthorized transaction and their failure to correct the issue after responding to my initial CFPB complaint. On XX/XX/year>2026, multiple unauthorized transactions occurred on my account. Cash App acknowledged fraudulent activity by refunding several transactions from that same day, including XXXX XXXX {$8.00} ), XXXX ( {$21.00} ), and XXXX XXXX XXXX {$10.00} ). However, Cash App denied a {$100.00} XXXX transaction that occurred within the same timeframe and pattern of activity. In their official response to my previous CFPB complaint, Cash App claimed that the transaction was authorized by me, or someone I authorized, but failed to provide any evidence supporting this conclusion. They did not provide : - Proof that I was present at the transaction - Any identity or device verification linking me to the purchase - Any evidence that I authorized another person to use my card or PIN Their conclusion directly contradicts their own determination that other transactions from the same incident were unauthorized and refunded. Despite being given the opportunity through the CFPB complaint process to review and correct this issue, Cash App has failed to provide a consistent or evidence-based explanation. Their reliance on PIN usage alone is not sufficient to establish authorization, particularly when I have consistently stated that I did not have my card in my possession at the time. Resolution requested : I am requesting a full refund of {$100.00} for the unauthorized XXXX transaction. I am also requesting that this transaction be properly classified as unauthorized and that Cash App conduct a consistent and reasonable investigation. This matter remains unresolved until the refund is issued and the transaction is correctly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: Klarna AB
State: IL

Complaint narrative:
I am filing this complaint against Klarna for failure to honor its Buyer Protection Policy. I have been disputing this charge for over four months. The merchant ( XXXX XXXX ) shipped an item that resulted in a " Return to Sender '' ( RTS ). According to carrier tracking # XXXX the package was never delivered to me and was successfully delivered back to the merchant 's warehouse on XXXX XXXX. The merchant currently holds both the physical product and my funds. I have attempted to resolve this in good faith : I have contacted Klarna multiple times ( most recently today, XX/XX/26, Ref # [ XXXX ] ). Despite providing tracking proof of the return, Klarna refuses to reverse the charge. I have contacted the merchant ( XXXX XXXX ) multiple times. My last inquiry on XX/XX/XXXX went completely unanswered. The merchant is ghosting all communication. Klarna is allowing a merchant to keep my money for goods they physically possess. I am requesting an immediate refund of {$220.00} ] to my original payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: NC

Complaint narrative:
b"I never received an debt validation certified this debt that is owened to Global Lending Services under 12 cfr 1006. I have sent out written notice asking for full accounting and the ledger to account number XXXX their is an ERROR IN THE BILLING there's no -XXXX- showing under 12 cfr 1006.34. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Claim and Transferred to Exclusively XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I dispute the alleged debt reported by Jefferson Capital Systems on my credit file. I do not recognize ownership of any accounts associated with the listed phone service providers. I have not entered into agreements with these companies, nor authorized any accounts in my name. Please provide full validation, including original contracts, account statements, and proof of authorization. If you can not verify this debt, you must remove it from my credit report immediately. I request a prompt investigation and written confirmation of the results. My previous disputes have been unresolved because of your companys lack of response. XX/XX/XXXXXXXX XXXX XXXX ( no longer existed at this point ) {$2700.00} XX/XX/XXXX XXXX {$1500.00} Ive never had a XXXX account in my name. I have been a XXXX customer on a business account and have not had any personal accounts since XXXX. Before that I was on my husbands account.

Company response to consumer: Closed with non-monetary relief