vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
I paid off a loan on XXXXXX/XX/XXXXand they haven't reported it taking my credit score down and using there system to unlawfully prevent me from being able to not only use the benefits I was offered though chime but it cut my score as.well using false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was charged {$190.00} for a yearly renewal service from XXXX, despite having cancelled my membership through phone support in XX/XX/XXXX. My card was billed again on XX/XX/XXXX, even though the merchant had previously been contacted to process the cancellation, which should have been completed in XXXX. After the renewal charge was posted, I contacted the merchant, XXXX, again. They confirmed that the cancellation from XXXX had not been processed as it should have been and although they moved forward with cancelling the membership at that time, they informed me that I would still be charged for the renewal that was never used nor could be used moving forward. Additionally, the XXXX location permanently closed on XX/XX/XXXX, just two days after the yearly renewal charge, and was no longer accessible. I have provided Goldman Sachs with email correspondence from the XXXX location confirming the permanent closure. I have also submitted documentation showing that my membership was not transferred to the new company and that no further charges were due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Both companies sent their demand letters and Notices of Right to Cure directly to my employer starting in XX/XX/year>, never to me or my home address. I contacted them twice to inform them they had violated FDCPA laws by directly sending their demands to my employer on 3 separate dates. I disputed the debt and informed them of their violations. The last letter I faxed to them was on XX/XX/year>. As of today, XX/XX/year>, I have not heard from either company about this so called debt. The have violated collection practices by not confirming the debt and contacting my employer directly. My employer should not have seen any of the documents they sent to the office. I have never lived at the company address so what they did was intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
" SHADOW LEDGER '' EVIDENCE : {$4300.00} POST-DENIAL CREDITS DIRECTLY CONTRADICT CHASE XX/XX/XXXX FEDERAL CERTIFICATION OCC APPEAL XXXX FILED TODAY w/ 367-page Master Record proving : I. MATERIAL MISREPRESENTATION ( XX/XX/XXXX Final Letter ) : XXXX " We reviewed your accounts and CONFIRMED NO BILLING ERRORS '' ACTUAL LEDGER ( XXXX XXXX ) : {$4300.00} CREDITS for XXXXXXXX AFTER " final '' denial - XX/XX/XXXX : - {$120.00} PLAY SPREE ( Account XXXX ) - XX/XX/XXXX : - {$990.00} XXXX XXXX XXXX Account XXXX ) - Multiple PURCHASE INTEREST CREDIT ADJ ( - {$7.00}, - {$350.00} ) XXXX. CONGRESSIONAL INQUIRY SUPPRESSION : XXXX XXXX XXXX ( House XXXX Services Chair ) inquiry XXXX marked " DUPLICATE '' within XXXX HOURS by Chase XXXX XXXX new-evidence filings neutralized same way XXXX. REGULATION Z TOTAL COLLAPSE : - XXXX XXXX acknowledgments ( XX/XX/XXXX certified notices ) - XXXX transactions ( $ XXXX ) XXXX % investigated - " I canceled purchase '' misclassification bypassed billing error rules- Algorithmic mass-denial : 61 % closed in XXXX hours IV. KEY FACTS : XXXX. Chase CERTIFIED " complete investigation '' while issuing credits XXXX. XXXX XXXX proves systematic error recognition post-denial XXXX. Weaponized CFPB portal against Congressman Hill 's oversight 4. $ XXXX already credited = admission massive error pattern XXXX : Bank operates dual ledgers ( public " no error '' vs. private corrections ). DEMAND full $ XXXX reconciliation. XXXX evidentiary master file to XXXX XXXX XXXX Chase XXXX XXXX copy XX/XX/year>. XXXX XXXX XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
All they did with the dispute that I requested was update the information claimed that it was verified and not deleted from my credit report but the information was inaccurate and incomplete due to the fact that that was paid off but experience decided to only update the information and not remove it from my credit

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 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
An official notice was sent to CAPITAL ONE Bank, N.A. ( on XX/XX/year> ), informing the corporation that I am eligible for compensation as a result of the settlement made for the class action lawsuit against this financial institution in regard to Capital One 360 Saving Account Interest Rate Litigation No. XXXX. CAPITAL ONE Bank did receive the notice I sent on XX/XX/year> and did not reply back to the communique sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am filing a complaint against Huntington Bank regarding what I believe to be unfair and deceptive payment processing practices that have resulted in unjust late fees. I have a credit card with Huntington Bank with a monthly due date of the XXXX. My primary bank is XXXX XXXX, where I maintain my checking account and use its bill pay system to pay all of my obligations, including utilities, mortgage, auto loans, and credit cards. Chases b ill pay system provides a guaranteed delivery date, and I schedule payments to arrive on or before the due date. This system has consistently worked reliably, and I have never experienced late payment issues with any other financial institution. However, Huntington Bank has repeatedly charged me late fees despite my payments being delivered on time. I have provided documentation from XXXX confirming that my payments were delivered before the due date. Despite this, Huntington Bank delayed processing the payment for approximately three business days after receipt, which resulted in a late fee. This has now occurred more than once. On XX/XX/2026, I contacted Huntington Bank customer service to confirm receipt of my payment. I was told that no payment was showing on my account. In an effort to avoid a late fee, I asked if I could make a payment over the phone that same day. The representative informed me that even if I made a payment immediately, it would not be processed until the following Monday, and I would still incur a late fee. This practice is unreasonable. If a payment is delivered on or before the due date, it should be credited accordingly. Delaying processing in a way that results in late fees raises serious concerns about whether this is a deliberate practice designed to generate additional fee revenue. I have made multiple attempts to resolve this issue directly with Huntington Bank, including contacting customer service, submitting complaints, and requesting escalations. I also received an email instructing me to call a specific number to discuss my concerns. I have called this number three times and left voicemails but have not received any response. The combination of delayed payment processing and lack of responsiveness demonstrates a pattern of behavior that is harmful to consumers. I respectfully request that this matter be investigated. I also request that any improperly assessed late fees be refunded and that Huntington Bank be required to properly credit payments based on the date they are received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I inquired to XXXX XXXX about a year ago for debt settlement options. This was my first time inquiring and after speaking with a rep on the phone she told me shed send me documents to overview and sign. After more research I had decided to not go through with it. I NEVER signed anything. But they reported that I was working with them and reached out to Discover and XXXX XXXXXXXX XXXX on my behalf. Because of this Discover and XXXX XXXX closed my account. I had to send a letter to tell them that I was not working with this company but it had been too late and my credit report was tainted.I have now started working with XXXX to pay off these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: The J. G. Wentworth Company
State: MD

Complaint narrative:
Subject : Complaint Against Debt Relief Program for Excessive Fees and Financial Harm I enrolled in a debt relief program in XXXX and have experienced significant financial harm as a result. The company withdrew {$330.00} from my account every pay period while also charging multiple additional fees, including {$17.00}, {$9.00} ( multiple times ), {$55.00}, {$530.00}, {$55.00}, {$250.00}, {$320.00}, {$310.00}, and {$91.00}. Despite these substantial withdrawals, the company only paid approximately {$10.00} per month toward my XXXX XXXX account. At this rate, it would take several years to resolve the debt, which is not what was represented to me at enrollment. Additionally : I was charged significant fees before any meaningful debt settlement occurred My credit situation worsened during the program The services provided did not match what was promised I believe these practices may violate federal consumer protection laws regarding debt relief services, including restrictions on upfront fees and deceptive practices. I am requesting : A full investigation into this companys practices A refund of all improper fees charged Any additional relief deemed appropriate I am prepared to provide supporting documentation, including bank statements and account records. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently discovered a credit card account reported in my name that I did not open, apply for, or authorize. The account is associated with Discover Bank, now referenced by XXXX XXXX as successor by merger. I believe my personal information may have been used without my permission to open this account. I did not receive the card, did not activate it, and did not make any purchases or payments on this account. I became aware of the account after it appeared on my credit report and was later used as the basis for a lawsuit against me in XXXX XXXX XXXX XXXX. I dispute this account entirely and maintain that it is the result of identity theft or unauthorized use of my information. I am requesting that this account be fully investigated, that any fraudulent activity be removed from my credit report, and that I be provided documentation showing how this account was opened and linked to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
My XXXX XXXX account was sold to Citizens Bank at the beginning of 2022. Since then, I have had several issues and have been mostly dissatisfied. I approached XXXX this year and they have reopened an account for me. I want to transfer the balance of my Citizens Bank account to XXXX. I called to do so and was told that my funds were frozen. I asked what steps I should take to unfreeze the account and move forward with the transfer. Nobody will tell me. Since Monday, I have spoken to 2 people from the customer service number and I called the last branch I was in. Nobody can tell me what the problem is or how to solve it. I tried calling the XXXX and XXXX number ( XXXX ) XXXX but that department is closed because of unforeseen circumstances (?!? ). If I knew what the problem was, I could probably solve it, but no one will tell me. I am told that a letter will be sent to me. They " supposedly '' sent me a check earlier this year as I had paid more than I owed on my credit card. I never received the check and I don't think I will receive it or that said letter. I was able to close my credit card account with Citizens. They let me do that. I have no documents to submit as I have none! My last bank statement is dated XX/XX/XXXX and looks absolutely normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I received a phone call from someone claiming to be a Wells Fargo representative. The caller ID displayed the exact Wells Fargo number that appears on my physical credit card. When I questioned the caller, they provided personal information including the last four digits of my Social Security number. The scammer then initiated an unauthorized cash advance of {$7500.00} from my Wells Fargo credit card and deposited it into my linked Wells Fargo checking account. The scammer claimed this deposit was fraudulent activity and instructed me to immediately move the funds out via XXXX XXXX to protect my account. I followed those instructions because I believed I was speaking with a legitimate Wells Fargo employee. I called Wells Fargo the same day ( XX/XX/year> ) to report the suspicious activity and filed a fraud claim. On the same day I also filed a police report with my local department ( Report # XXXX ). Wells Fargo has now denied my fraud claim twice. I requested escalation on XX/XX/year>, specifically noting that any authorization was obtained through fraud and deception. I never initiated the cash advance myself, never provided access to my online banking or credit card account to anyone, and the fraudster clearly had unauthorized access to initiate the cash advance in the first place. On XX/XX/year>, I received the final denial notice stating : Based on this investigation, we found the following : You indicated that you authorized or participated in the disputed transaction ( s ). The card associated with the account was in your possession at the time the claim was filed and during the period of the disputed activity. No devices associated with a digital wallet were reported lost or stolen.As a result of these findings, the claim was determined to be ineligible for reimbursement and was closed. I strongly disagree with these findings. The initial cash advance was unauthorized ( the fraudster already had access to my account ), and any subsequent movement of funds via XXXX XXXX was the direct result of social engineering and deception by an imposter. Wells Fargos own public warnings state they will never call customers and ask them to move money to protect an account. Under Wells Fargos Zero Liability Protection policy and the Fair Credit Billing Act ( FCBA ), I should not be held liable for these unauthorized transactions, which I reported the same day they occurred.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marauder Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your reporting of an alleged debt on my credit report. I dispute the validity of this debt and request validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide the following : XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt, including an itemization of all fees, interest, and charges. XXXX. Copies of any documentation bearing my signature showing that I agreed to this debt. XXXX. Proof that your company is legally authorized to collect this debt. XXXX. Documentation showing that you have the legal right to report this account to credit reporting agencies. Additionally, the information being reported appears to be inaccurate and/or incomplete. Until this debt is properly validated, you must cease all collection activity and reporting in accordance with federal law. If you are unable to provide proper validation, you must delete this account from all credit reporting agencies and provide written confirmation of such deletion. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They just updated the account on my credit report nothing happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
XXXX suspended my account permanently and never provided a reason. They have been holding funds on my account for over a year and will not release them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a XXXX gift card which includes the web address XXXX on the back of the card. According to information on the card it is issues by " U.S. Bank National Association pursuant to a license from XXXX XXXX XXXX '' I have made several attempts in the past to activate and/or to get information about this card. This includes calling the number on the back of the card XXXX, using the web address, and emailing for support. Each attempt has been a failure and there are no options ( online or by phone ) to reconcile with the company.

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