vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
This is related to the complaint XXXX Chase bank did not answer in full the complaint opened in XXXX. Specially the XXXX transfer where the bank is also the beneficiary. Chase Bank and Leander from Executive office stated that they did not have an answer from themselves. They also didnt pick up my phone call and did not answer my message through the Chase app. That was a method for follow up, according to the answer. I understand that not answering to a federal Agency sounds absolutely weird and its unbelievable that the Federal Agency also does not do anything. This is only one situation where we can see that Banks simply do whatever they want and that seems to be ok to the whole system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: DISCOVER BANK
State: IL

Complaint narrative:
" I am disputing a charge from [ Merchant Name ] for [ Amount ] on [ Date ]. The service provided was fraudulent, consisting entirely of bots and fake profiles. I filed a dispute with Discover, which was recently reconciled in the merchant 's favor. Discover claims to have sent me a message explaining this decision, but after an exhaustive search of my secure inbox and document center, no such message exists. I am being denied my right under the Fair Credit Billing Act to review the merchant 's evidence and provide a rebuttal. I request that the charge be reversed and that Discover provide the missing documentation immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I made multiple payments from my Chime account to XXXX XXXX for participation in a retreat called the XXXX XXXX XXXX that was advertised to take place in XXXX XXXX, XXXX XXXX from XX/XX/year>. The payments were made as part of a payment plan for the retreat and were sent as follows : XX/XX/year> {$330.00} ( Retreat deposit ) XX/XX/year> {$320.00} ( XXXX retreat payment ) XX/XX/year> {$320.00} ( XXXX retreat payment ) XX/XX/year> {$320.00} ( XXXX retreat payment ) XX/XX/year> {$330.00} ( XXXX retreat payment ) XX/XX/year> {$320.00} ( XXXX retreat payment ) XX/XX/year> {$320.00} ( XXXX retreat payment ) XX/XX/year> {$320.00} ( XXXX retreat payment ) These payments total {$2600.00}. The retreat services were never delivered. The merchant later informed participants in writing that the retreat had been canceled due to unforeseen circumstances. I have documentation confirming that the retreat was canceled and that the services paid for would not occur. Because the services were not provided, I reported the issue to Chime and filed disputes. On XX/XX/year>, I reported the error and disputes were opened including : Claim ID XXXX ACH Debit Unauthorized Transaction {$320.00} Claim ID XXXX ACH Debit Unauthorized Transaction {$320.00} Claim ID XXXX Debit Non-Receipt of Goods or Services {$1300.00} Several of my disputes were incorrectly categorized by Chime as ACH Debit Unauthorized Transaction. These transactions were not unauthorized. I knowingly made the payments as part of the retreat payment plan. The issue is that the merchant later canceled the retreat and the services were never delivered. The correct dispute classification should have been non-receipt of goods or services, and I believe this misclassification affected how the investigation was conducted and contributed to the denial of my claims. Despite providing documentation showing that the retreat was canceled and that the services were never provided, Chime concluded that no error occurred and denied the disputes. The determination stated that no funds would be credited to my account and the claims were closed. After the denial, I contacted Chime multiple times by phone to dispute the decision and request further review. During XXXX of these calls I escalated the issue and spoke with a manager. During that conversation the manager hung up on me while I was attempting to address the dispute and ask for clarification regarding the investigation and denial. I repeatedly requested that Chime review the evidence, properly investigate the transactions, and explain why my claim was denied despite documentation showing that the merchant canceled the retreat and the services were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I requested access to my account and to withdraw my money. Its frozen over a security question I dont remember. I asked them to verify another waylike last XXXX of XXXX, birthday, security questions, code they texted, but they wont. i called them tons of timessome of them even hung up.and some lied and XXXX dashboard shows my linked Ally balances : Savings ending XXXX {$1.00} available, XXXX XXXX {$1.00}, Checking {$400.00}. Total {$400.00}. Thats realIm not making this up. I just want my money out. i couldnt access it for months. Freeze started 108 days ago.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd

Complaint narrative:
I am writing to formally raise a complaint regarding a bank transfer that has not been credited to my Wise account, despite confirmed proof of payment from my bank. On XXXX XXXX, I transferred XXXXXXXX XXXX XXXX from my bank account to Wise using the correct bank details provided by your platform. My bank has officially confirmed that the transfer was successfully completed and has provided me with a transfer confirmation document, which I have already uploaded to your system multiple times. Despite this, I continue to receive responses asking whether I am sure I sent the money. I find this extremely frustrating and disappointing, especially as I have been in contact with both Wise and my bank since Friday without resolution. To be clear : My bank confirms the funds were successfully sent. I have provided official documentation as proof. The funds have left my account. Wise states the funds have not been received. As a customer, I am simply in the middle of this transaction. I did not physically handle the money ; it was sent bank-to-bank electronically using the details provided by Wise. If the funds are not in my account and not in your system, then I urgently require a proper investigation into where the money is currently held. I respectfully request the following : A formal trace investigation of the transfer using the provided transaction reference number. Direct communication between Wise and my bank to resolve this matter. A clear explanation of the current status of the funds. Escalation of this case to a senior support agent or the complaints department. This has been an extremely stressful experience and, frankly, the worst customer service situation I have encountered. I expect this matter to be treated with urgency and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I'm not sure how this account originated it might have been from my ex-wife but I would like them to remove it from my credit bureau and cease and desist all communication in relation to XXXX5 USC 1692 CC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
This is unacceptable. There are a variety of reasons that XXXX can't use the email they initially set up. Divorce, employment change, etc. Capital One just wants to take my money and others by not allowing an email change. Below is the statement on their site. The option to merge, update or change an email address is not currently available. Please create a new Capital One XXXX account using your desired email address. If you have XXXX Rewards on your existing account, head over to XXXX XXXX XXXX XXXX make sure to redeem them. Rewards can not be transferred from one account to another, so we hope you can redeem them before moving on to your new account. See Delete your account if you'd like to delete your account as you move to the one with the updated email address. In order to create a new account, make sure youre signed out of your old Capital One XXXX account and that you head to XXXX XXXX XXXXXXXX From there, enter your new account registration info.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection account reported by Sunrise Credit Services ( Account # XXXX ) on my credit report. This account is inaccurate and unverified. I am requesting a full reinvestigation pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I dispute this account for the following reasons : I have not been provided proof of a valid contract bearing my signature. I have not received documentation showing proper assignment or transfer of the alleged debt from XXXX XXXX to Sunrise Credit Services. The balance reporting is inconsistent ( original balance listed as {$65.00}, current balance reported as {$120.00} ). I dispute the accuracy of the reported amount and the date opened. I request verification of the Date of First Delinquency. Under the FCRA, you are required to conduct a reasonable investigation and provide documentary evidence to verify the accuracy of this account. A computerized confirmation is not sufficient verification. Please provide the following documentation : 1. A copy of the original signed agreement. 2. Complete payment history. 3. Proof of assignment or chain of title. 4. Documentation explaining the balance increase. 5. Verification of the Date of First Delinquency. If this account can not be fully verified with competent evidence, it must be deleted immediately from my credit report. Please send written confirmation of the results of your investigation. XXXX XXXX XX/XX/year> # 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 2026-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding a promotional credit card bonus that was not honored. I applied for and was approved for a Capital One credit card that offered a promotional bonus after meeting a required spending amount within a specified timeframe. The promotion required me to spend the stated amount within the first few months of account opening in order to receive the bonus reward. I carefully reviewed the terms and ensured that I met all requirements. I completed the required spending within the promotional period. My account statements clearly show that I satisfied the minimum spending threshold before the deadline. On or about XX/XX/year>, I received a notice stating that I was not eligible for the bonus. No clear explanation was provided as to why I was deemed ineligible. I contacted the company to dispute this determination and requested a review. The company later informed me that the matter was under review and that a response would be provided within 30 days. Despite meeting the promotional requirements and having documentation to support my claim, the bonus has not been credited to my account. I believe this constitutes a failure to honor the advertised promotional terms. I am requesting that the company conduct a proper review of my account, acknowledge that the promotional requirements were satisfied, and credit the promised bonus in accordance with the terms of the offer. I am prepared to provide supporting documentation, including the promotional offer details and account statements reflecting qualifying purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am disputing the reporting of a collection account by XXXX XXXX XXXX that appears on my credit report. This account is being reported as a {$310.00} XXXX XXXX debt, however I have never received proper verification that this debt belongs to me or that I signed any contract creating this obligation. I previously discovered that several collection agencies had incorrectly reported debts on my credit file that were connected to accounts belonging to my deceased mother due to a shared household history. Multiple accounts from other agencies have already been removed after investigation because they were inaccurately reported or could not be verified. XXXX XXXX XXXX has continued to report this account without providing documentation verifying the debt, a signed agreement, or proof that the account legally belongs to me. I believe this reporting may be inaccurate or improperly associated with my credit file. Because this account is negatively impacting my credit during an active federal housing application process, I am requesting that XXXX XXXX XXXX : Provide full documentation verifying the debt and my legal responsibility for it, including the original contract or agreement, or Delete the account from all credit reporting agencies if proper verification can not be provided. I am requesting a formal investigation and correction of my credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
called multiple times trying to identify the where did the debt come from but i was told it came from a phone company and I asked to receive every document they have on file and they never sent any. I also called and was once told that the debt was supposed to been disputed because it was inaccurate but it was never disputed.

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 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) states that fair and accurate credit reporting is essential to the banking system, and inaccurate reporting impairs its efficiency. I recently reviewed my consumer report and discovered an incorrect late payment on this account, despite the fact that I have never been late. This inaccurate reporting violates the Fair Credit Billing Act and the Truth in Lending Act, including 15 U.S.C. 1666b, which require accurate reporting and timely correction of errors. Please investigate this matter and, if you can not provide documentary evidence of any late payment, promptly correct the account to reflect on-time payments in full compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On late XX/XX/XXXX I had prepaid for parts and labor for work to be done on my XXXX XXXX XXXX XXXX to a XXXX XXXX XXXX. XXXX XXXX was arrested on the day we scheduled the work XX/XX/XXXX. He is still XXXX as of XX/XX/XXXX. I have filed police reports against XXXX XXXX which adds a subsequent felony charge. I have added CASH APP as Co-conspirator as they refused to return my money with all the evidence I provided : The invoice of the work, the payment from my bank via CASH APP to XXXX XXXX, his arrest record. Since XXXX XXXX has deleted his CASHAPP profile. I spoke with detention yesterday to the XXXX XXXXXXXX. XXXX XXXX will be iXXXX indefinitely as he was traveling with XXXXXXXX XXXX XXXX in the state of Louisiana where we both reside. I have since taken my van to XXXX dealership to have the work completed additional costs to me. I will sue CASHAPP for aiding in the fraud. As well XXXX XXXX now has additional felonies added to his long list. He is a scammer and a felon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio recovery is the company. they have called all through the work day while i am XXXX XXXX and even harassing my place of work and sending me mail to my work place that is in another state that I never visit. I have asked they stop but they continue to do so. The mail they sent was to a XXXX in arkanas that i am connected to but never visit in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: OH

Complaint narrative:
In a vulnerable moment, I had opened up a care credit card for XXXX bills. Every month I would pay my bill on time and every month they would charge me late fees high interest rate processing fee fees fraudulently without any notice. They would constantly text me harass me email me after Ive made payments above and beyond the minimum. They would not stop harassing emailing and charging late fees on payments that werent late. The fraud that they have done to my credit cant even be repaired. They have a class action lawsuit against them for high interest rates praying on the vulnerable and they did not disclose the high interest rate and told me it was zero interest for so long, which was not true in my case.

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 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was charged {$500.00} in deferred interest. Ive sent plenty over minimum every payment and none was ever applied to promotional balances. When you call you are given run around and dismissed. Theres no option to allocate overpayment as well. This is collusion to obtain higher deferred interest from consumers

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
The collection agency, Spring Oaks Capital, would not provide validation of debt within 30 days as required by federal law when ask numerous times. Because they did not provide validation the 1st time when requested within 30 days, by law the debt is no longer valid and must be removed from CRA immediately. Disputed with CRA and collection agency continues to report debt that is not legally valid and thus violated federal law. In addition to possible harassing robocalls to myself and family members.

Company response to consumer: Closed with non-monetary relief