vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I sold some tickets on XXXX XXXX, I sent the tickets XXXX satisfactory proof that they asked for. They called me and said there was an issue XXXX asked if I could resend them with new proof, I said no problem XXXX complied. The rep said " yes you sent It correctly everything is good on your end ''. Then they called me again, AFTER the event started, saying they were having issues again, I told them the event started but even so I complied. They never accepted my tickets so I lost the tickets XXXX did not get paid. THEN THEY CHARGED ON MY CREIDT CARD WITHOUT AUTHORIZATION AS A FINE on top of not paying me.. per XXXX policy they say they can issue these charges/fines if the seller backs out of the deals. However, I have submitted all proof XXXX XXXX exactly as they had asked for it, each time they have asked for it, as well as AMERICAN EXPRESS. I have been very diligent XXXX ensure I have done everything correctly from XXXX XXXX within XXXX policy XXXX everything I entered was correct. I want XXXX be clear that the order was not canceled on my end XXXX the tickets were not accepted at no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: TN

Complaint narrative:
Chime uses mypay. I frequently use this feature, XXXX every time I do, it gets paid back on every XXXX when my check hits. This time, they took the {$260.00} I borrowed out of my check, but said I had an outstanding mypay balance of {$320.00} due XXXX a system update that caused this problem. They told me there was nothing they could do about it to make it right XXXX that theyd be taking the {$320.00} from my next paycheck whether I owed it or not. They admitted it was their systems mistake XXXX hung up on me. This has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: VA

Complaint narrative:
I submitted XXXX disputed with Venmo for transactions made between XXXX XXXX. I received XXXX email responses on XX/XX/XXXX stating all XXXX were resolved in my favor XXXX that the money would be credited XXXX my Venmo balance. I only received XXXX of the credits. When I called XXXX ask about the XXXX dispute I was told to wait a few days XXXX see the money. The money never came. When I called again, I was told the decision was showing denied in the app. I questioned it because the email they sent me was said it was resolved in my favor. Since the XXXX, I filed a dispute XXXX received another email on XX/XX/XXXX again stating it was resolved in my favor. It is now the XXXX XXXX I have not received the money XXXX had XXXX file a XXXX appeal on the XXXX. This is my XXXX time ever disputing a charge on my Venmo because I rarely use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> To Whom This XXXX Concern I am writing in response XXXX your alleged account XXXX XXXX formally dispute the validity of this debt pursuant XXXX applicable federal law. Under the authority of the Fair Debt Collection Practices Act ( FDCPA ) XXXX Fair Credit Reporting Act ( FCRA ), I am disputing any XXXX all claims that I owe the alleged debt referenced in your records. This letter serves as a formal request for validation of the alleged obligation. Pursuant XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ), you are required to provide clear and accurate information regarding the debt. I am requesting full validation, including but not limited XXXX : - The name XXXX address of the original creditor - The full account number- The itemization of the alleged debt, including interest, fees, XXXX charges- The date of default XXXX date of last payment Further, pursuant XXXX XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), I dispute the debt in its entirety XXXX request that you provide documentation supporting your claim. Under XXXX XXXX XXXX ( d ), you are required XXXX cease collection efforts until proper validation has been provided. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), furnishers of information XXXX consumer reporting agencies are required XXXX provide accurate XXXX verifiable information. You are hereby notified that any reporting of this account without proper validation may constitute inaccurate reporting. I am specifically requesting the following documentation : XXXX. Full debt validation XXXX verification of the alleged obligation XXXX. A copy of the original signed agreement between myself XXXX the original creditor XXXX. A complete chain of title, including the purchase agreement between your company XXXX the original creditor XXXX. Proof that your company is properly licensed XXXX bonded XXXX collect debts in my state XXXX. Documentation showing your legal authority XXXX collect on this account Furthermore, I am revoking any XXXX all consent for communication through telephone calls, text messages, or email. All future communication must be made in writing XXXX sent via XXXX XXXX XXXX Mail only. Failure to comply with this request may result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. Please note that any attempt XXXX report, continue reporting, or verify this account without providing the requested validation will be documented as a violation of federal law. I expect your full compliance within the time frame required by law. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim ID XXXX Claim amount {$50.00} Claim opened XX/XX/year> Billing Dispute for XXXX XXXX XXXX XXXX - XXXX I was wrongly charged {$50.00} in miscellaneous fees by XXXX ( the merchant ) for wrongly billing me. I was never notified that I would be charged this amount when I paid the merchant, and I do not recognize or authorize this extra XXXX dollar bill on my account. Bank of America " investigated ' and found that I was still liable for this bill despite me not knowing about it and not authorizing 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 monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing a complaint regarding my XXXX XXXX Account ( HSA ), administered through XXXXHSA Bank . My account has been locked since approximately XX/XX/year> due to a supposed fraud review. Since then, I have contacted customer service multiple times and have been repeatedly told that my account would be unlocked within 2448 hours. These timelines have not been honored. I have called customer service over 8 times and have spoken with at least 3 supervisors, yet no one has been able to resolve the issue or provide a clear explanation or timeline. I continue to receive the same response each time, with no actual progress. I was told that my account was locked due to suspected fraudulent transactions. However, I have already verified that the transactions in question were made by me. I was not aware at the time that my account had been locked, and despite verifying my identity and activity, my account remains inaccessible. It has now been over three months, and I still do not have access to my HSA funds. I am currently pregnant and have had to pay for multiple prenatal medical appointments out of pocket, despite having funds available in my HSA specifically for these expenses. Additionally, I continue to contribute to this HSA account every two weeks, yet I am unable to access the funds I am actively depositing for medical and emergency use. Customer service representatives have recently stated that there is a backlog of fraud cases, but they have not provided any clear timeline, resolution, or alternative access to my funds. I am requesting immediate resolution of this issue, including : Full restoration of access to my HSA account and debit card, OR Immediate access to my funds via reimbursement or transfer This delay is causing financial hardship and preventing me from using my own healthcare funds for necessary medical care. I would like a clear explanation of why my account has remained locked for this extended period and a firm timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: TX

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I closely monitor my credit, and these accounts appeared out of nowhere without my knowledge or authorization. I never approved or had any involvement with these accounts, and it is unacceptable to see inaccurate information being reported under my name. This matter must be investigated and corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX, XXXX at XXXX. I contacted Capital one about my XXXX since my credit card ending in # XXXX was written and charged off. I was requesting it so I could do my taxes, and they refused to send it to me. They said they will only send me the XXXX only if I file bankruptcy. I am insolvent and am required to file taxes on all my written and charged off debt. If not, I will be in trouble with the IRS. So, I am asking for the XXXX be sent accordingly so I XXXX file my taxes and also the IRS said I also should ask it from the company who written and charged it off. thank you for your help in this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am a cardholder of both the US Bank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit cards. On XX/XX/XXXX, I traveled on XXXX XXXX XXXX XXXX departing from XXXX XXXX XXXX XXXX XXXX XXXX ). At the XXXX XXXX check-in counter, I presented my lounge vouchers associated with these credit cards. However, I was informed by airline staff that the vouchers could only be used at specific airports such as New York, XXXX XXXX, XXXX, and XXXX, and therefore could not be used at XXXX. This restriction was never clearly disclosed when I applied for and continued to pay annual fees for these credit cards. Airport lounge access was an important advertised benefit influencing my decision to maintain both cards. I contacted both US Bank and XXXX XXXX customer service seeking clarification, but neither party provided a clear explanation or resolution. I am requesting : 1. A written explanation of the lounge voucher usage restrictions. 2. Appropriate compensation for the unusable benefits, including annual fee adjustment, mileage credit, or equivalent remedy. 3. Clear confirmation of future lounge access eligibility. Additionally, I have been informed that this lounge voucher benefit is still not usable at XXXX XXXX XXXX XXXX XXXX XXXX, indicating an ongoing inability to access an advertised card benefit despite continued payment of annual fees. I respectfully request a prompt investigation and fair resolution.

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 2026-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
According to Bank of Americas records a person or persons out of XXXX on XX/XX/year> began making charges of various amounts for various items on my personal credit card. Well over XXXX were made- Ill say approximately XXXX most if not all for under XXXX dollars. Most were to various foreign department stores, mostly the same few stores were uused multiple times. The grand total XXXX just under XXXX dollars. This covered a span of XXXX days based on what I saw. I think I may have received one alert ; I certainly did not receive XXXX asking me to approve almost XXXX dollars in merchandise. Ive responded to all known requests from BoA and explained several things several times to their fraud department. I even visited a local branch to query them in this matter. Bank of America reopened the case once and Im not sure the chronology but refunded about {$14000.00} to me. No real explanation of the difference as to why they refunded some but not all, they sent not an email but a statement within their proprietary software saying that the case was concluded and my account had been credited as well My account still shows {$70000.00} due to the Bank of America. Some few of these are mine, as in the domestic ones totaling less than {$2000.00}. This was my last correspondence from them. Ive been a Bank of America customer for 28 years and have 28 years of records to show this in no way matches anything similar to a pattern for my charge record..

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 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint against Chase Bank for failing to properly investigate a " Services Not Received '' dispute involving a total of {$6000.00}. On XX/XX/XXXX, two ACH transactions were debited from my account by XXXX XXXX XXXX XXXX XXXX XXXX ( {$2200.00} and {$3700.00} ). While I am selecting " wrong amount '' in this portal, the core of this dispute is a Total Failure of Consideration and Merchant Non-Performance. Chase denied my original claim ( Case # [ XXXX XXXX XXXX ] ) on the basis that the transactions were " authorized. '' This is a misclassification of the issue. While the ACH was authorized, it was strictly contingent upon the delivery of professional consulting and funding advisory services. As of today, XX/XX/XXXX, more than 90 days have passed, and I have received zero strategy sessions, zero deliverables, and zero funding assistance. On XX/XX/XXXX, a XXXX named XXXX ( XXXX XXXX ) sent an email claiming the {$6000.00} was " earned '' despite the total lack of follow-up and services. Furthermore, the merchant used coercive tactics by threatening me with " liquidated damages '' of up to {$12000.00} specifically to intimidate me into not pursuing a bank dispute. This is an unconscionable business practice. Since that communication on XX/XX/XXXX, the merchant has completely ceased all communication and has failed to respond to multiple follow-up inquiries. Chase has refused to address the fact that the merchant took funds and then abandoned their contractual obligations. By focusing only on the " authorization '' and ignoring the " Services Not Received '' evidence, Chase is effectively allowing a merchant to use its platform to facilitate what is a clear theft of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I am filing a complaint regarding a billing dispute with Citibank involving charges that were posted after my credit card account was closed. I previously submitted a written dispute via certified mail, and XXXX tracking confirms delivery. However, Citibank has failed to acknowledge or respond to my dispute. The charges in question should not have been applied because the account was already closed at the time they were posted. Despite this, the balance remains and continues to accrue interest. I have been unable to access my account, can not log in, and no longer have the physical card. I have also been unable to reach a representative who can address this issue. Citibank has not complied with its obligation to investigate and respond to a billing dispute within the required timeframe. I am requesting that Citibank : 1. Investigate the disputed charges 2. Remove any charges that were improperly posted after account closure 3. Reverse all interest and fees associated with the disputed balance 4. Confirm the account status and ensure no negative credit reporting occurs during the investigation This complaint concerns a specific Citi XXXX XXXX credit card account ending in XXXX that was closed on XX/XX/year>. I may have other active accounts with Citibank, but this dispute applies only to the closed account referenced above. I have documentation of my certified mailing and am prepared to provide it. A complete copy of my original dispute, along with supporting documentation, is attached.

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 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a collect payment link from my business bank account to XXXX of my clients. The amount of the transaction was {$1100.00}. Their term of conditions say that transactions under review takes between 3 to 5 days but not more than 5 days. Well, I am filing this complain at XXXX of the day number 5. Nobody explained why the transaction is under review, when they will release the money. The department that takes care of those reviews dont have a phone call number, they dont sent me emails requesting additional information or documentation, when you call the bank they said that nobody can talk with that department only another department internally and litterally is you on the phone waiting they chay with someone that is reviewing your transaction and they say nothing helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I requested that National Credit Adjusters to provide the following documentation : The name and address of the original creditor A copy of the original contract or agreement bearing my signature A complete payment history, including how the amount of {$480.00} was calculated Documentation showing that National Credit Adjusters , LLC has been assigned or purchased this debt and has legal standing to collect Proof that I agreed to any terms, fees, or interest being charged Verification of the date of default and whether the debt is within the applicable statute of limitations All they sent was a copy of a statement on XX/XX/year> via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an account with Chase a few years ago, I faced an issue where there was a major scaling going on and I was having withdraws and withdraws on my account. I contacted Chase and they said we will fix it. Surprise they did not and in turn threaten to closed my account if I did not pay an overdraft that I was not responsible. Well they closed my account, and when I called in they said look we will help you close the account without penalty if you pay an agreement of XXXX dollars or so around XXXX. Well I did pay that agreement and then I asked them if this will affect me in opening another account with another bank and they said no. Well I am now trying to apply to many online banks and many have rejected my request due to what chase did. They did not follow upon their agreement and I am being impacted by their lies and I had a recent incident where I had to fight chase because they withheld money from me. That case took weeks and they did not want to be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover is calling my family members and telling them about my owed debt without my approval.

Company response to consumer: Closed with non-monetary relief