vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I booked round trip travel through Chase Travel using points and cash. The total cost was XXXX points plus XXXX charged to my card. The booking included two one way tickets XXXX to XXXX on XX/XX/XXXX and XXXX to XXXX on XX/XX/XXXX. 

During booking I entered my infant as a lap infant with her correct birthdate. I did not select infant in seat child or adult passenger. After booking I discovered that Chase Travel issued a paid ticket and assigned a seat to my infant on both flights, which should not occur for a lap infant.

I contacted Chase Travel who directed me to the airlines. XXXX XXXX confirmed in writing that the infant was ticketed as an adult XXXX by the booking agency and that the ticket was never reissued. XXXX XXXX confirmed in writing that the infant was ticketed as a child by the booking source and also confirmed that child fares are not offered on domestic XXXX XXXX. Chase Travel later claimed the passenger was booked as infant in seat. These three contradictory classifications show the ticket was issued incorrectly.

The airlines canceled the tickets and issued travel credits without my authorization. Chase Travel refuses to refund to original form of payment and refuses to return my points or cash, citing non refundable fare rules. Chase continues redirecting me to the airlines while the airlines redirect me back to Chase as the issuing agency.

I requested documentation of the passenger type used at ticketing, call notes from my supervisor call, and a written channel to submit a formal complaint. Chase refused to provide these records and denied me a written complaint option.

This is an agency ticketing error that resulted in improper charges and loss of points and cash. I am requesting CFPB assistance to require refund of the improperly issued ticket, return of points, and correction of Chase Travel practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am reporting fraud with my XXXX XXXX XXXX  and they keep telling me they are investigating. They are not resolving the issue after I reported 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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal has restricted my account without providing a clear, specific explanation, evidence, or meaningful opportunity to dispute the action.

I operate a legitimate sole proprietorship and have complied with PayPals identity verification ( KYC ), business disclosure, and transaction requirements. Despite this, my account was restricted abruptly, and I have not been informed of the specific transaction ( s ), behavior, or policy provisions that allegedly justify the restriction.

I have made multiple attempts to obtain clarification through PayPals standard support channels and have not received a substantive response. The communications I received were generic, non-specific, and did not provide actionable information or a path to appeal.

This restriction has caused material financial harm by interrupting lawful business activity, blocking access to funds, and preventing me from processing customer payments. PayPal has not demonstrated that this action was proportionate, justified, or compliant with principles of transparency and fair dealing.

I am formally disputing the restriction and requesting regulatory assistance to compel PayPal to provide a clear explanation and conduct a fair review.

I have an EIN and operate as a sole proprietor No chargebacks, fraud claims, or consumer complaints were communicated to me prior to restriction I am prepared to provide invoices, supplier records, shipping confirmations, and customer communications immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
They told me I had to deposit it as direct deposit or in XXXX checks of XXXX each the bank couldn't do it as direct deposit so gave me XXXX cashiers checks for XXXX XXXX  each and cash for the rest of the value I deposited the check like my bank saved to do then I'm told first it was a bad photo of the checks I'd have to retry called them back afet looking at the photos used for the mobile deposit they were clear so I called back and then was told they magicle now can't take those types of checks and blocked me from depositing the checks telling me to cash them somewhere else and because I had to mark the check box on the checks as a mobile deposit now iv been turned away by 5 banks saying I already cashed them and I'm stuck with the un washable checks and all the forms from the bank my inheritance was held at till I could claim it no way to cash them my bank is chime bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: WA

Complaint narrative:
Calls continuously with no information about the debt. Nearly every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had made 3 separate charges while I was on vacation with my family in XXXX of XXXX and received food that was nasty or wrong. I contacted the merchants in regards to these issues and was not having any luck with the refunds. I then contacted my financial institution and disputed these 3 charges. I was given provisional credits from Capital One regarding the charges and was informed that if anything is needed I will be contacted. On XX/XX/XXXX I was given provisional credits in the amount of {$54.00}, {$13.00}, and {$46.00} for these charges while in dispute. On XX/XX/XXXX I noticed that the credits were reversed without notice and upon contacting Capital One I was informed that they needed more information about the charges for example the receipts. I emailed the photos of the receipts to Capital One credit department on XX/XX/XXXX and havent heard anything from them since. On XX/XX/XXXX I noticed that there were transactions reversing the provisional credits for a second time on XX/XX/XXXX and upon contacting the disputes department I informed them that I was able to work with the merchant for the {$54.00} but was advised by the other 2 merchants to work with my financial institution to get the charges from there business refunded by the bank due to being over XXXX XXXX XXXX from the actual locations and not able to come in to them for the refunds to be processed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am submitting this complaint against Santander Consumer USA for predatory and unfair auto lending and servicing practices related to a vehicle financed through them. 



I purchased a XXXX XXXX XXXX XXXX XXXXXXXX from a XXXX dealership, XXXX XXXX, for approximately {$17000.00}. Financing was arranged through Santander Consumer USA with monthly payments of approximately {$400.00}. 



Despite making payments for several years, the loan was structured in a manner that prevented me from making meaningful progress toward principal reduction. I remained consistently upside-down, making refinancing, selling, or exiting the loan impossible. 



I later became aware that Santander Consumer USA has a documented history of subprime and predatory auto lending practices, including loan structures that benefit the lender through prolonged interest accrual and repossession outcomes rather than fair repayment. 



Due to financial hardship caused by these practices, I voluntarily surrendered the vehicle. I dispute the fairness, transparency, and legality of the loan terms, servicing practices, and resulting credit reporting. 



I have filed a related complaint with the North Carolina Attorney Generals Consumer Protection Division and am requesting that the CFPB review Santander Consumer USAs conduct, require full account verification and documentation, address improper or misleading credit reporting, and take any enforcement or corrective action deemed appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This is from XX/XX/year>, Ive already filed complaints on care credit for these activities but they keep doing it anyways, I have provided documentation from their app showing I paid the bill on time and they still charged me late fees, I also showed my bank account transactions where it showed they didnt take my money, but did not notify me of it until the XXXX. Care credit is trying its best to make sure I keep paying them for as long as they can.

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 2026-01-21 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: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas mishandling of an identity theft incident that resulted in unauthorized payment activity, account closure, and severe credit damage. 

The Timeline of Fraud : In XXXXXXXX XXXX, my wallet was stolen in XXXX XXXX just before I traveled to XXXX to visit family. While abroad, I received alerts and voicemail from Bank of America regarding " suspicious activity '' and a payment of approximately {$2500.00} applied to my credit card. 

I immediately contacted Bank of America via international callat significant expense and difficulty due to time zonesto verify this activity. The representative claimed I had made this payment by phone using a " XXXX '' account. I informed them immediately that : I never make payments by phone. 

I do not have, and have never had, a XXXX account. 

This was unauthorized activity related to my stolen wallet. 

Following this, I contacted XXXX directly ( again, from overseas ) and confirmed that a fraudulent account had been opened using my Social Security Number but a phone number that was not mine. I was unable to freeze my entire credit profile immediately because I was awaiting a U.S. F-1 Visa interview and feared that a full identity freeze would trigger a rejection or issues with TSA/Immigration upon my return to the U.S. However, I clearly communicated the fraud to the banks. 

The Banks Failure : Months later, the fraudulent {$2500.00} payment from the fake XXXX account was reversed ( " bounced '' ). This caused my Bank of America balance to spike to over $ XXXX above my ~ {$2000.00} limit. 

Despite my 89 year history as a loyal customer who never missed payments, Bank of America did not investigate the fraud context I had previously reported. Instead : They closed my account without notice. 

They ignored my history of making minimum payments. 

When I called for help, they offered no fraud assistance. Instead, they transferred me to a service offering " debt consolidation and bankruptcy options, '' treating me as a financially irresponsible debtor rather than a victim of identity crimes. 

The Harm : I am an international student on an XXXXXXXX XXXX. This account closure and the subsequent derogatory credit reporting have destroyed my creditworthiness, disqualifying me from housing and student loans necessary for my survival and education in the U.S.

I have already filed with the OCC ( Case # XXXX ), who referred this matter to the CFPB.

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 2026-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I was the victim of a sophisticated hours-long fraud involving criminal impersonation of a CapitalOne agent, social engineering, and physical theft of my CapitalOne credit card. During two phone calls, the criminals convinced me to give them Capital One verification codes and perform identityverification uploads under the guise of helping CapitalOne investigate supposed fraud on my card in a different state. The criminals deceived me into handing over my physical card and then used my stolen card to make two unauthorized purchases totaling {$14000.00} at different XXXX stores an hour away from where I live. 
I realized the fraud late on XX/XX/XXXX and reported it to Capital One as quick as i could on XX/XX/XXXX. I then re-secured my accounts, submitted all requested verification documents to CapitalOne, and cooperated fully with all CapitalOne requests to dispute and supposedly investigate the fraudulent charges made. Despite this, Capital One prematurely denied the fraud claim on XXXX completing the account verification process they were still processing and only later told me could take up to XXXX business days ( it was verified on XX/XX/XXXX, after the fraud claim was denied ). 
From XXXX while I followed up on this issue, Capital One repeatedly transferred me between departments, fraud resolution agents and managers misinterpreted the crime and provided conflicting information, ultimately opening the wrong type of dispute which is currently delaying investigation into the fraud and resolution of this issue. CapitalOne were hesitant to credit my account and keep removing the credits placed on the account after XXXX conversations on recorded lines with CapitalOne from XXXX. 
They leave me no option but to file a complaint into their mismanagement of this serious and pressing issue. I am requesting CFPB intervention because Capital One failed to properly investigate the fraud, ignored key evidence, mishandled my case, and did not uphold protections relating to unauthorized card use and billing errors required under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: IL

Complaint narrative:
I opened a chime checkiing account in XXXX because it advertised a {$350.00} promotion. I made the required direct deposits but I did not receive the advertised bonus On XX/XX/2026 approximately XXXXXXXX XXXX XXXX I spoke with customer support agent XXXX and he said that I met the criteria and that he would get a supervisor to give me the {$350.00} bonus. When he transferred me, the supervisor refused to give the {$350.00} and put me on hold for more than XXXX minutes

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX unauthorized transactions were made with my chase debit card over XXXX charges totaling over XXXX $ claim number XXXX XXXX where credited to my account and some {$5500.00} were debited from my account I disputed all the transactions because I did not make them but chase instantly reversed the charges that went into my account but denied all charges the was taken out my account from the same merchant some on the same day .. how can half the charges be unauthorized but the rest are unauthorized? If they found the charges to be authorized then the money claim # XXXX {$2900.00} that was credited to my account shouldve never been reversed and taken from my account. and if the charges are unauthorized then the {$5500.00} that was debited from my account should been returned in asking to get my claim reopened and my money returned Ive filed a police report but they still denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I think my capital one kohls card is compromised and almost every other day I call kohls and capital one and all they do is get down my information from me an transfer me to the next agent I got transfered 11 times withing 45mins on the phone with them and then someone else 's ordered a new card then capital asks me to verify my identity so I upload my documents and then they still can't resolve my problem instead they lock me out of my account and say it's still gon na take 10more days for them to verify my identity .. and they still haven't resolved my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this collection account because the debt has not been properly validated and I do not recognize this debt as mine. 

Credit Collection Services is reporting a collection account for {$160.00} allegedly related to XXXX XXXX XXXX. 
I have not been provided with sufficient documentation showing a valid contract, itemized charges, or proof that I am legally responsible for this debt. 

Without proper validation, continued attempts to collect and report this account are inaccurate and misleading and violate the Fair Credit Reporting Act ( FCRA ). 

I am requesting a full investigation and removal of this account from my credit report unless the company can provide proper legal validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation