vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XX/XX/year>, I used my Navy Federal Credit Card at XXXX XXXX XXXX in XXXX, XXXX. The nature of the transaction was clear : XXXX XXXX were put in as a deposit and any services would be deducted from that amount with any remainder amount being returned to my card in the form of a refund. I signed a document containing the aforementioned information with the merchant and received receipts from the deposit and the final used amount ( provided to Navy Fed as proof ), which was XXXX XXXX. I thought the deposit amount was excessive, but since I was told I would get a refund I was fine with signing the document. Many days went by and the refund did not get to my account. I contacted the merchant multiple times but my calls were either never picked up or they would hang up on me. Since it is a business in a different country, I can not go in person. At that point, it was evident that the merchant was attempting to scam me by keeping the entire amount, so I contacted Navy Federal Credit Union to file a dispute. I provided my bank with context, receipts, every piece of information requested and they gave me a conditional credit. Navy Fed has all proof and receipts so I am not attaching that to this complaint again, as I was told by one of their representatives that it wasn't necessary. A few weeks after the credit, the transaction was once again posted as original, not the right amount, and I was told that the merchant had provided a receipt. This receipt is the doc I signed but Navy Fed is not reading it and they're siding with the scammers just because a receipt was provided but they haven't even taken the time to read what it says. Navy Fed is refusing to reopen the case or take a look at my evidence so I had no other recourse but to involve CFPB to help me make things right. Navy Fed is not siding with their customers, even when they have indisputable proof that backs them up, and they're refusing to even read the documents they requested. They want me to resolve this with the merchant that's in a different country but they are not answering since they want to keep my money. Please, help me have Navy Fed mend this situation by refunding me my XXXX XXXX. Thank you for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was scammed into sending {$710.00} through Chimes Pay Anyone feature between XX/XX/XXXXXX/XX/2026. The individual advertised sports betting picks through XXXX and instructed me to send payment to their Chime account ( XXXX XXXX XXXX in exchange for access to XXXX and XXXX betting plays. Before sending money, I confirmed that payment would provide access to specific betting picks. After payment was sent, the promised picks were not delivered as described. The individual instead posted different betting slips publicly that did not match what was provided to me. I disputed the transaction with Chime, but the claim was denied as authorized, despite evidence that the payment was made under false pretenses. This was not a normal transaction but a scam involving misrepresentation and failure to deliver a paid service. I am requesting reconsideration and reimbursement based on fraud and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatXXXX XXXX XXXXXXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatXXXX XXXX XXXXXXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I recieved my payroll check on Thursday and have been trying to access my funds since and have gotten zero funds and accounts suspended still after supplying all proper docs they asked for.bive sent them numerous times. Its almost payroll again and I need to find out if I can trust them or not with my pay I need my money to live and waiting XXXX days then trying still suspended. XXXX us horrible this is not my 1st or 2nd issue escalated for no goid explanation at all provided for holding so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I received unauthorized emails from U.S. Bank regarding a checking account opened without my consent. The alerts included : XXXXXXXX XXXX ( " approved '' ), XXXXXXXX XXXX. ( " mobile device settings changed '' ), and XXXXXXXX XXXX. ( " Activate your account with a deposit today '' ). These communications were addressed to " XXXX '' a legal name I have not used in nearly 30 yearsrather than my current legal name. This indicates that my Social Security number may have been used in combination with outdated personal information to bypass identity verification controls. I contacted U.S. Bank immediately on XX/XX/year>. Their Fraud Liaison department confirmed the account was fraudulent, closed it, and placed a temporary internal alert on my profile. This incident constitutes identity theft. I did not authorize the opening of this account or any related inquiries. I have taken the following protective actions : placed security freezes with all three major credit bureaus, initiated a fraud alert, and placed a freeze with XXXX. An FTC Identity Theft Report has also been filed. I request that you : Block and remove any inquiries or records associated with this fraudulent activity. Suppress or remove the obsolete name " XXXX '' from my credit file due to its use in identity theft. Prevent any future inquiries or account activity associated with this former name. Confirm that no additional fraudulent accounts or inquiries exist. Please provide written confirmation of all actions taken. I certify under penalty of perjury that the above information is accurate and that I did not authorize this activity.

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 2026-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I got a call from my sister saying a sheriff was serving me for a debt collection, i call the general session court house to find out who suing me that where i got the name of XXXXXXXX XXXX, i was also told there is no court case open since the sheriff couldnt serve me i even got the same info from the sheriff department so i call the law firm. First they was dismissive even when i stated i wanted paperwork with any agreement of a payment plan and how much i could do the lawfirm then tell me i have pay the amount they have which is XXXX on XXXX of every month but i wont receive no paperwork until after the case i tell her their no case i even gave my current address to be serve this was back in XXXX i been paying this lawfirm XXXX this whole time and i havent receive no serving paper nor have i receive the agreement payment plan and just now i know i use their online portal to pay on the XXXX but it showing i didnt pay even though i have a photo of the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
XX/XX/year>, I attempted to transfer funds from my Wise account to a company in XXXX. I logged into the Wise website without issue as I have for the past four years or so. When attempting to finalize the transaction I was prompted to complete a two-step verification process by Wise. This is also a process I have bee able to complete at various times and have used this transfer service for a similar transfer only months earlier without issue. The process I selected for two-step verification requires a phone call to my voice phone with the required code. On this particular occasion, no call was ever received although several attempts were made without success. I have contacted the Wise support team multiple times and tried various solutions with different phone numbers as they have suggested without success. One solution they seem to emphasize is for me to register a cell phone service which I do not use and do not plan to acquire. Since this failed attempt to transfer funds I have also lost all access to my account and have pleaded with Wise to restore it without results other than their claims that my phone service provider has blocked their two-step verification phone call and that I need to establish a different method of two-step verification. I find it difficult to believe that my phone provider is blocking access to their calls as I was able to log into my account only minutes before trying to finalize my requested funds transfer. I have requested that they provide me with the phone number they are calling from with their two-step verification system several times so I may check this claim with my phone service provider however they have never responded with this information. It is now over two months since I have had access to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
This is the second time I am reporting this issue to the CFPB because none of our attempts have resulted in FNBO XXXX releasing my husband and me from any responsibility for this loan ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). We have repeatedly complained to XXXX since XX/XX/XXXX, requesting to be released because we never received the money and the contractor never provided the services that were supposedly financed. Starting in XX/XX/XXXX, we also began disputing with XXXX because XXXX continues to report the account as past due even though the debt is in dispute and has not been verified. Under FCRA 1681s2 ( b ), the furnisher must conduct a reasonable investigation, review all relevant information, verify the accuracy of the debt, correct or delete any information that can not be verified, and notify the credit bureau that the account is disputed. Slice has not complied with these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
It seems like my payment are not going anywhere towards my loan, and they are a bit high at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing multiple negative accounts reported on my Equifax credit report. Late Payment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Collection/Charge-Off Accounts : XXXX XXXX I have reason to believe these accounts may be inaccurate, incomplete, duplicated, or not properly verified. I have not been provided sufficient documentation to validate the accuracy of the reported late payments or the collection/charge-off account, including full payment histories, account agreements, itemized balances, or proof of lawful ownership or assignment. These deficiencies raise concerns about inaccurate reporting, outdated account status, or improper data furnishing. I am also concerned these accounts may stem from mixed file issues, identity discrepancies, or incorrect account matching. Under 15 U.S.C. 1681i ( a ), I am exercising my right to dispute these accounts and request a reinvestigation. Under 15 U.S.C. 1681e ( b ), Equifax must maintain reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681s-2 ( b ), furnishers must reasonably investigate disputed information. Debt collectors must also comply with 15 U.S.C. 1692e and 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a PayPal Credit ( backed by Synchrony Bank ) customer disputing an {$1700.00} charge from XX/XX/year>. The charge was for a laptop sold via an eBay classified ad. Within 24 hours, eBay officially notified me the seller 's account was compromised ( fraudulent/hacked ). I immediately opened a merchant dispute with PayPal Credit within 72 hours. On XX/XX/year>, I mailed a full evidence package ( including the eBay notice of fraud, chat history with the alleged hacker posing as the eBay seller, PayPal invoice ) via USPS Certified Mail to Synchrony Bank 's designated XXXX XXXX address. It was confirmed delivered. As of XX/XX/year> ( ~90 days later ), Synchrony Bank/PayPal Credit has failed to resolve this case. I have called 5 times and received conflicting information and a mix of delay tactics : # 1 Failure to follow procedure : I was promised temporary/provisional credit during the investigation, which was never applied. # 2 Delay Tactics : Agents each time repeatedly tell me to " wait 1-2 more weeks. '' Another agent claimed the delay is due to eBay 's " non-cooperation, '' which is irrelevant to my protection under a PayPal Goods & Services invoice. This case has nothing to do with eBay and is quite simple. It's between PayPal Credit and a scammer who used PayPal 's payment system because the scammer used outside of eBay 's payment system to scam victims. It had nothing to do with eBay. The responsibility is squarely on PayPal Credit. Their Goods and Services invoice system is suppose to offer protection money back guarantee against this type of fraud and in my case, PayPal Credit is walking back from their promise. My last contact with PayPal Credit is XX/XX/year> through the dispute department phone call and again, I received the same delay tactic which tells me to wait until XX/XX/XXXX for a resolution. This is the same response I get each time I call. The agent on the phone tell me to check back in a week or two for a resolution. At this point I have series doubt that there is any progress made on my case and PayPal Credit is just waiting for an expiration date on my case to slam shut this case so I do not have the ability to dispute the case within their system outside a certain grace period. So i am running out of options and reaching out your office for help. Also through this whole dispute process, PayPal Credit especially Synchrony bank has placed serious doubt in me with trustworthiness in their business practice

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 2026-05-05 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: TN

Complaint narrative:
This is the main narrative box no personal info. Paste this : I filed a credit card dispute ( Case # XXXX ) against XXXX for an unauthorized {$190.00} charge on XX/XX/XXXX. I submitted comprehensive evidence to XXXX documenting four months of email cancellation attempts beginning XX/XX/XXXX, including XXXX own responses, a pre-billing warning sent XX/XX/XXXX, and XXXX failure to respond before charging me. XXXX ruled in XXXX favor based on their chargeback response, which contains a materially false statement : The customer made no attempt to contact us to cancel their services. This is directly contradicted by my email record already in XXXX file and by XXXX own Terms of Service, which expressly permit email cancellation to XXXX. XXXX failed to weigh documented evidence against the merchants false claim. The ruling is unsupported by the record. I have submitted a formal rebuttal to XXXX portal and also filed FTC Report # XXXX and a Texas AG complaint against XXXX for deceptive trade practices and submission of false statements in a financial dispute proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
Hello! My name is XXXX XXXX. I have always had a problem with this company and with XXXX XXXX. I believe both companies are a scam and stealing money. Im only 1 car payment behind and I told them the situation. The website was allowing me to split my payments in half to better help me pay on time and when I need to. The lender doesnt like me doing that. They instead take my money and then lock me out of the portal to pay while including extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
Yes. Last month, money lion fraudulently made a {$110.00} withdrawal from my debit account with CHIME. I filed a dispute and then subsequently received a refund from chime. During this process, I was asked by chime if I would like to block this merchant. I stated yes on a recorded line. Approximately 3 days ago, XXXX has been trying to submit payments for XXXX and they were getting rejected for insufficient funds. I contacted chime and they had stated that the merchant was blocked ; but recommended that I freeze my cards too ; I did this as I was expecting my SSDI check to be received any day now. I awoke this morning to find that CHIME allowed this transaction to go thru after telling me not once but 2x that MoneyLion/Instacash were blocked I requested that XXXX be blocked from my account and was explicitly told by your support team that the block was in place. Despite that confirmation, a {$340.00} charge from XXXX was still processed. This should not have been possible. This is an unauthorized transaction and a failure on your end to enforce a confirmed merchant block. I am requesting an immediate reversal of the {$340.00} charge and a formal investigation into why a blocked merchant was still able to debit my account. Additionally, I want written confirmation that no further transactions from this merchant will be allowed. When I contacted support about this issue, I received inconsistent responses and was disconnected by a senior agent instead of having the issue resolved. If this is not corrected promptly, I will be filing a complaint with the Consumer Financial Protection Bureau. You confirmed the block. This should not have been possible. I expect this to be corrected immediately. The following is what I sent to chime ; I was given inconsistent answers and disconnected without resolution 2x times over various phone calls

Company response to consumer: Closed with explanation