vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to retrieve money from a non chase atm at a Banorte atm, I attempted to retrieve XXXX XXXX XXXX which in exchange rate is approximately XXXX XXXX the atm displayed the exhale rate of XXXX usd = XXXX XXXX XXXX I decline the transaction due to the rate being very low, the atm still took charged me for the withdrawal but did not dispense any funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 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

Complaint narrative:
My PayPal XXXX  account ( XXXX XXXX XXXX XXXXXXXX XXXX ) has been limited for XXXX XXXX XXXX  ( Reference ID : XXXX ). According to the company 's User Agreement, funds on limited accounts are typically held for a maximum of XXXX  days to cover potential chargebacks. This XXXX period has long expired, yet the company continues to withhold my balance of {$310.00} USD. 

I have attempted to withdraw these funds to my linked bank XXXX XXXX XXXX XXXX multiple times, but the transactions are blocked or fail. I have contacted support multiple times with no resolution. I am requesting that the company manually release these funds for withdrawal as they are being held past the legal and contractual timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am disputing the accuracy of an account being reported by Caine & Weiner for an account ending in XXXX. 
On XX/XX/year>, I became aware that Caine & Weiner was reporting this account on my credit report with a balance of {$100.00}. This debt is not mine, and I have no knowledge of ever opening, authorizing, or being responsible for this account. 
I disputed the account after recognizing it did not belong to me and requested verification. Caine & Weiner has not provided any documentation establishing that I am the correct consumer, including but not limited to a signed contract, application, billing statements, or proof of authorization tying this debt to me. 
Despite the lack of proof, the account continues to be reported. Reporting an unverified debt that can not be substantiated as mine is inaccurate and violates the Fair Credit Reporting Acts requirement to report only complete and accurate information.

As of today, this unverifiable account remains on my credit report and continues to cause harm. I am requesting that Caine & Weiner remove this account immediately, as they can not demonstrate that the debt belongs to me or that I have any legal obligation for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was a victim of a local phone scam where the person impersonates a person in the Local Sheriffs office and claims i missed Jury Duty and therefore must either turn myslef in or appear before a judge and pay a fine of {$6000.00}. They spoofed the sherrifs phone number and sent over a fake warrant and sent that to me. They then coerced me to send over {$6000.00}, half over XXXX ( which i have recovered ), and half using XXXX using the Friends and Family services function ( to prevent refunds ). When contacting my bank. Truist, they ended up 1 ) making me wait until after the funds have left my account to make the fraud claim, and 2 ) denied my claim saying I " recieved benefit '' despite the fact that i provided them a case number showing that this was indeed a result of a crime committed against me and therefore I recieved no benefit as a result of this transaction. Then upon requesting more information, they said they could only send the denial letter, which I already have. I implored them at the suggestion of the detective of my case, to have them contact the detective, which they seemingly will not do. I believe that there has been clear negligence for my claim and I believe that I am owed my missing {$3000.00} drawn from my account via XXXX under duress.

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 2026-01-28 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: NC

Complaint narrative:
On XX/XX/year>, I purchased event tickets through XXXX using PayPal as a mobile/digital wallet funded via ACH. I did not have an issue with the tickets themselves. The dispute concerns a parking add-on charge of {$59.00} that was pre-selected during checkout and not clearly disclosed as optional. 

After the purchase, I contacted XXXX to request a refund of the parking add-on. XXXX refused to refund the charge and instead directed me to resell the parking, which would have financially benefited XXXX. This resale option did not clearly disclose that XXXX would profit from the transaction. 

I then contacted PayPal and requested an explanation of how the parking charge was authorized, documentation of my affirmative consent, and a refund of the add-on. PayPal declined to reverse the charge or conduct a meaningful investigation, stating only that the transaction was authorized, without providing evidence of explicit agreement. 

Because the transaction was funded via ACH, PayPal indicated it would not support a dispute, leaving me without an effective consumer remedy. This appears to be a systemic issue involving pre-selected add-ons, refusal to refund involuntary charges, and steering consumers toward resale options that financially benefit the platform while discouraging lawful disputes. 

I am requesting a refund of the {$59.00} parking charge and review of PayPals dispute handling practices and its role in facilitating and enforcing pre-selected add-on charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NY

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year>, JPMorgan Chase Bank debited {$2200.00} from my Chase employee checking account. The account has since been closed. 

Chase later stated that this amount was returned through the original payroll payment route. However, more than XXXX month has passed and the receiving payroll provider has confirmed that the funds were never received. 

Chase is unable to provide any ACH trace number, wire reference number, or any verifiable external settlement record for this alleged payroll refund. Chase has also previously confirmed that there is no ACH or wire associated with this debit. 

Without any traceable ACH settlement evidence, Chases claim that the funds were returned through the original payroll channel can not be verified. As of today, the funds remain unaccounted for and have not been returned. 

I contacted Chase multiple times and was transferred between several departments. A case was opened by Chase, but Chase has been unable to confirm where the funds are currently held, whether the debit was reversed internally, or when the funds will be properly returned through the original payroll route. 

I am requesting that Chase either provide the XXXX XXXX details for the payroll refund or immediately reprocess and return the funds through the original payroll channel using a properly documented and traceable ACH transaction, and provide written confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received via standard mail a letter from Citi Bank ( PREFFERED CREDIT CARD ) with a promotional APR of XXXX percent interest rate on all purchases from day of use until XXXX. And XXXX percent interest rate on all transfer balances. I applied online using the invitation code sent to and was approved immediately. I then received the credit card by mail on XX/XX/XXXX and the letter on the credit states that my APR interest rate for purchases is XXXX  %. This is not what I applied for and since XX/XX/XXXX I have speaking to representatives/ supervisors and have not received any answer. I have also sent emails with proof of the letter received with the offers of XXXX PERCENT INTEREST RATE FOR XXXX  MONTHS. 
I have not activated the credit card or made any purchases until this matter gets resolved. I applied based on certain terms and conditions and the CITI BANK has not honored this promotion.

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 2026-01-28 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: TX

Complaint narrative:
I am disputing the following inquiry listed on my credit report from EXPERIAN. If this inquiry can not be verified, I request that it be deleted from my credit report, as required by the Fair Credit Reporting Act. 

Inquiry Account Name : SBA Date of Inquiry : 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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank informed me that a funds transfer in the amount of USD XXXX was returned to the sender because my account was closing/closed. However, the sender has not received the funds, and Citibank has failed to provide any verifiable proof that the return actually occurred nor issued us ( XXXX XXXX XXXX ) cheque for the balance amount. 

Despite multiple requests, Citibank has not provided : A transaction reference number ( XXXX  / ACH / wire trace ) A return confirmation or MT message The date and method of the alleged return Receiving bank details Any documentation showing the funds left Citibank and were successfully returned Simply stating that funds were returned without evidence is insufficient. As of today, the funds remain unaccounted for, and neither I nor the sender has received the money. 

Citibanks failure to respond and failure to provide documentation raises serious concerns regarding mishandling or misplacement of funds.

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 2026-01-28 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: IL

Complaint narrative:
forex companies are all manipulated and defrauding people placing trades without authorization and making the trade look real via fake statements, these fraudulent activities and manipulations it happens before and keep happening in forex brokers and banks that provide liquidities to those brokers. 
look up resent case lawsuit against contact vs bank of America and several banks involve in this fraud The case summary for XXXX XXXX Bank of America Corporation in XXXX  includes a class action lawsuit filed by XXXX XXXX and other individuals and entities against Bank of America Corporation and several other banks. The lawsuit alleged violations related to foreign exchange trading practices. The court approved multiple settlements with various banks, including XXXX, XXXX XXXX, and others, and established a Plan of Allocation for distributing the settlement funds. Claim forms were sent to nearly XXXX members of the settlement classes, and the claims administrator verified claims and determined eligible claimants for the distribution of the settlement funds. The court retained jurisdiction over the settlements and any

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Prevented my sending money to my own uncle plus cancelling my transcation plus one cking me out!!!! I'm the one that will decide whether or not my money safe or not my money my decision not system not theirs. I did what they have said endeduplocked out. I want my accoto unlocked so I can pay my uncle back and get whatever I need. Thisisvery wrong ofthecash app to decide soo of this, XXXX  please unlock my account and ensure it font hsppenagain cuz this jmy second time now and im not appreciating their service no more.l it's XXXXwrenching to me. Thanks very much

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding deceptive and misleading practices by CareCredit related to deferred-interest medical financing. 

In XX/XX/XXXX, I opened a CareCredit account to pay for XXXX XXXX. The medical office manager completed the application on her computer, which I could not see, and described CareCredit as insurance. I was told the account carried 48 months of 0 % promotional ( deferred ) interest and that I had time to pay the balance without interest. No written terms were reviewed with me, and I was not shown the promotional details, due date, or interest conditions. 

In early XXXX, I noticed an unexplained extra charge, which CareCredit removed after I called. 

In XX/XX/XXXX, I discovered that {$2200.00} in interest had been added to my account based on a single {$3700.00} charge. This was the first time I was informed that interest had been accruing. CareCredit stated that this charge had a shorter deferred-interest period than what I was told at the point of sale. 

I contacted the medical office, and the manager insisted all charges were set to 48 months deferred interest. This was incorrect. 

CareCredits deferred-interest structure is not clearly disclosed to consumers : interest accrues from the purchase date and is added in full if the balance is not paid by the promotional deadline, regardless of how much has already been paid. The interest rate applied was approximately 29.99 %. 

At the point of sale, consumers are not shown the specific promotional terms, deadlines, or interest rates for each transaction, and medical office staff appear inadequately trained to explain them. This results in consumers unknowingly agreeing to materially different terms than what is verbally represented. 

After discovering the interest charge, I contacted CareCredit to dispute it and explained that I had never been warned about a shorter promotional period or impending interest. CareCredit stated that nothing could be done and refused to remove or adjust the interest. 

As a result, I was charged over {$2200.00} in unexpected interest on a medical expense that I reasonably believed carried 0 % interest for 48 months.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone applied and stole a paypal/synchrony credit card from my mail. Somehow activated and maxed the card out. When I saw the balance onmy credit report, I notifi ed Synchrony Bank of the theft. Synchrony bank has done nothing about it. Now they are reporting late payments on mycredit. REMOVE THIS ACCOUNT BECAUSE IT IS FRAUDULENT.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I keep getting calls from different area codes to fish me into paying a credit card debt from 20 years ago, according to the nys law it has reached the statute of limitations and I have also checked with credit reports and debt consolidation company which Im involved in at this time and no debt exists. They keep threatening with legal action unless I pay, constant harassment is mentally stressful. The gentleman that keeps calling is named XXXX XXXX from a law firm which has no entity I keep telling them to send me mail with proof of debt but get nothing and ask for proof of business and nothing, the calls are daily as recent as yesterday .. heres one of the numbers which I get called from XXXX. They also try to convince me to pay as they would offer me a discount with payment plans, at first I thought it was real so I gave them a debit card but once I hung up I cancelled payment right away due to suspicion of fraud. The calls are frequent and deliberate, please help

Company response to consumer: Closed with explanation