vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I contacted Chase Bank on XX/XX/year>, at approximately XXXX XXXX, to file a claim related to a transaction. The call was conducted in XXXX. 

The receipt in my Chase app displayed two dates : the transaction date and the posting/registration date. The representative specifically asked me for the transaction date, and I provided exactly what was requested. The representative repeatedly insisted that no such transaction existed, interrupted me multiple times, and refused to allow me to read the full transaction details from my app, even after I respectfully asked for permission to do so.

Later, when I provided the posting/registration date, the transaction was immediately located.

Despite this, the representative stated that the error was entirely mine, became defensive, and never offered an apology. When I requested the representatives name, he identified himself as XXXX and refused to provide his last name. Throughout the call, he also placed me on extended holds multiple times without explanation.

I believe the treatment I received was unprofessional and not consistent with appropriate customer service standards. I am requesting that this call be reviewed, that this complaint be formally documented, and that appropriate corrective action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Coinbase, Inc.
State: NC

Complaint narrative:
I received a report through my bank that my credit had been pulled on XX/XX/year>. The lender name was Coinbase/XXXX XXXX I did not authorize this. I immediately froze my credit and filed a dispute through XXXX, where the credit pull occurred. I have tried to contact Coinbase and XXXX XXXX Bank multiple times through multiple phone numbers and avenues. There is no way to reach anyone. I need this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the Apple Credit Card, issued by Goldman Sachs Bank USA, for misleading practices, unfair treatment, and failure to properly handle reported fraudulent charges on my account, including the improper reporting of these charges to credit bureaus. 

I notified Apple Credit Card that my account contained fraudulent charges and clearly stated that these transactions were unauthorized. Despite this notification and my request for protection under their fraud policies, Apple Credit Card failed to properly investigate or resolve the fraud claim in a fair and reasonable manner. 

Instead of protecting me after I reported fraud, Apple Credit Card continued to hold me responsible for the disputed transactions. As a result, I was charged over {$10000.00} for transactions I explicitly identified as fraudulent. 

In addition, Apple Credit Card has reported or allowed these disputed charges to appear on my credit report. Reporting fraudulent charges as valid debt is inaccurate and unfair, and it has caused damage to my credit profile. I believe this reporting violates consumer protection laws, including the Fair Credit Billing Act and the Fair Credit Reporting Act.

Apple Credit Card misled me regarding how my fraud dispute would be handled and failed to provide clear explanations or sufficient documentation regarding the denial or mishandling of my claim. This situation has caused significant financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau review this matter and assist in ensuring that : The fraudulent charges are fully investigated and removed from my Apple Credit Card account All fees, interest, and balances related to these fraudulent charges are reversed Any negative or inaccurate credit reporting related to these charges is immediately removed or corrected with all credit reporting agencies Apple Credit Card is held accountable for unfair and misleading practices in its handling of reported fraud Thank you for your time and attention to this matter. I appreciate the CFPBs assistance in protecting consumers from unfair financial practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was subpoenaed, in reference to a credit card debt that was owed, by the XXXX Department in XXXX. The original credit card was through Bank of America and the date timeframe was in XXXX, but the debt was now owned by XXXX and XXXX from XXXX XXXX  I was totally unaware of this debt and had received no prior collection attempts, so I filed a motion requesting documentation that it was my debt which I never received. They rescheduled the court date to a day I was unable to attend, I notified the court I couldn't be present due to prior commitments, yet the date was not changed and I was found liable for the entire amount due and a garnishment was set up on my paycheck. At this point I felt it was easiest to just pay the weekly amount and move past it. After my debt was completely satisfied ( mid XX/XX/XXXX ), they paused collection until the new year. My first two paychecks of XXXX were again garnished in the same amount ( {$490.00} approx ). When I realized the error I called payroll department of my employer and was told since it was court ordered they had to continue garnishing my check until they received a stop order from XXXX and XXXX. I called XXXX & XXXX and they were able to fax a document to stop the garnishment, which stop on the next paycheck, but I've now overpaid the original debt by almost {$1000.00}. Again I called XXXX & XXXX to get a refund and have yet to receive one, they also told me the amount they were refunding was almost half of what I overpaid and it was not their responsibility to refund the rest due to " poundage '' or fees due collecting a debt ( despite that already being accounted for in the court order ). I am still waiting for even a partial refund, and all calls are met with a wait for the check that has been mailed order despite the initial claims it was mailed on XX/XX/XXXX and would take XXXX business days to arrive.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: NV

Complaint narrative:
I opened a U.S. Bank checking account in person at a branch because of a promotional bonus. I am a long-standing U.S. Bank customer and already maintain other personal and business accounts. I routinely complete well over five transactions on my existing accounts.

At the time of opening the new checking account, a material requirement of the promotion completing five transactions on the new account was not verbally disclosed to me. I relied on the bankers explanation when opening the account. Had this requirement been clearly disclosed, I would have completed it immediately. 

After the qualification period ended, I was informed that I was ineligible for the promotion solely because this requirement had not been met. This outcome resulted from a condition that was not clearly explained at account opening. 

I attempted to resolve this issue with branch staff, the branch manager, and the banks centralized resolution team. My clarification regarding the disclosure omission was formally added to the banks internal complaint record. However, the centralized team later confirmed that no remedy would be provided. 

Additionally, I operate two separate businesses and relied on this promotion when deciding where to place significant business funds. For my XXXX business, I deposited approximately {$25000.00} and maintained those funds in the account for over 60 days but did not receive the promotional bonus. I later opened another checking account for my XXXX XXXX business, deposited another approximately {$25000.00}, and again maintained the funds for over 60 days, yet the bonus was not provided. 

These deposits represent substantial business funds that were committed in good faith based on the expectation of the advertised promotion, resulting in additional financial impact. 

Due to this incomplete disclosure of a material term and the resulting financial harm, I respectfully request that U.S. Bank honor the promotional bonus or provide an equivalent goodwill 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 2026-01-30 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally escalating this matter for immediate deletion and regulatory review. 
Experians response in CFPB Complaint No. XXXX, dated XX/XX/year>, states only that there XXXX be potential fraud involved. This response fails to resolve my dispute, fails to comply with the Fair Credit Reporting Act, and fails to establish any lawful basis for continued reporting of the XXXX XXXX XXXX XXXX account. 
Importantly, XXXX  has already completed its investigation and deleted this identical account, as reflected in CFPB Complaint No. XXXX. That deletion confirms the account is unverifiable, inaccurate, and not lawfully reportable. Experians continued reporting of the same tradelineafter deletion by another nationwide consumer reporting agencydemonstrates a lack of maximum possible accuracy and undermines any claim of verification. 
To date, Experian has produced no competent documentary evidence establishing : A valid consumer obligation, A lawful assignment or chain of title to XXXX XXXX XXXX, Timely enforceability under XXXX  XXXX, or Verified accuracy as required by 15 U.S.C. 1681e ( b ) and 1681i. 
An unsupported statement of potential fraud is not evidence, does not constitute verification, and does not authorize continued reporting. If Experian genuinely believed fraud existed, federal law requires appropriate blocking or deletionnot continued publication of an unverified tradeline. 
Reinvestigation is no longer appropriate. Continued publication of a tradeline that : Has already been deleted by another CRA, and Remains unsupported by any documentary proof constitutes unlawful reporting under the FCRA. 
Legal Violations Experians conduct violates, at minimum : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable information CFPB & FTC Guidance CRAs may not continue reporting information they can not substantiate Metro 2 Standards Prohibit reporting accounts that can not be fully verified and supported A vague claim of potential fraud does not satisfy any statutory requirement and can not be used as a placeholder to continue damaging reporting.

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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was contacted by a debt collector company regarding an alleged debt. II was contacted by a debt collector company regarding an alleged debt. I request were in validation of the debt, including proof that the debt is mine and that the company has a legal right to collect it. 
The company filled to provide proper validation, but continue collection activity that included repeated contact despite my request for a wedding and communication only I dispute this debt and believe the companies actions may violate the fair debt collection practice act ( FDCPA ). I am requested at the company provide a proper validation with cease collection efforts. 
The company reported or threatened to report this debt to credit report agencies without providing validation of the debt The original credit of prior debt collector sold or transferred an alleged debt to a second party debt collection company the new debt collector contact me regarding the debt, but did not provide documentation so that the debt was legally transferred to them or that they had the story to collect it I requested validation of the debt, including proof of ownership and amount owed the company filled to provide proper validation, but continue collection activities the dispute this debt, and believe the companies actually may violate the fair debt collector practice act FDCPA I am requesting that the company either provide proper validation or seize collection effort. The debt was reported to the credit reporting agencies without proper validation or provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Ive already disputed this multiple times. XXXX XXXX did an investigation & it was APPROVED. For a while it got taken off my credit & now it is back on. I did a trade in deal with XXXX XXXX XXXX leaving XXXX XXXX, they said they were going to pay off my old phone & let me keep the same phone number etc which they were in COMMUNICATION with XXXX XXXX yet they didnt pay off XXXX XXXX like they said was going to happen. That issue is not my fault nor my problem. XXXX XXXX knew as well because they allowed me to keep the same phone number which they had to unlock it to do so. This is not my problem that is between them not me. Having them hit my credit like that AGAIN, for something that was proven true is XXXX me off & I will SUE. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX  and Portfolio Recovery Associates, LLCfor inaccurate, inconsistent, and misleading credit reporting related to account number Portfolio XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). 
Proof of Inconsistent and Inaccurate Reporting This same account is being reported differently across the consumer reporting agencies : XXXX  : Reported as a collection XXXX  : Reported as a collection XXXX  : Reported as a charge-off A single account can not legally be reported simultaneously as a collection and a charge-off for the same debt. This conflicting reporting demonstrates that at least one furnisher is reporting inaccurate information. Furnishing inconsistent account statuses violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ), which require information provided to consumer reporting agencies to be accurate, complete, and consistent.

Failure to Issue Required Form 1099-C Despite the account being reported as a charge-offwith XXXX, I have never received a Form 1099-C ( Cancellation of Debt ) from XXXX XXXX  or Portfolio Recovery Associates . If the debt has been charged off and collection activity has ceased or the debt has been abandoned, IRS regulations require the issuance of Form 1099-C reflecting the canceled debt.

Reporting a charge-off while failing to issue a required 1099-C, yet continuing to report or collect the debt elsewhere, is deceptive and misleading and causes financial harm. 
Violations and Harm The actions of XXXX XXXX  and Portfolio Recovery Associates indicate violations of : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy This inaccurate reporting has damaged my credit profile, caused confusion, and interfered with my ability to obtain credit on fair terms.I am requesting that the CFPB require XXXX XXXX and Portfolio Recovery Associates, LLCto : Correct or delete the inaccurate and inconsistent reporting across allconsumer reporting agencies so the account is reported accurately and uniformly, or removed entirely if it can not be verified.

Provide written clarification stating whether the debt associated with account Portfolio XXXXhas been canceled or abandoned. 
Issue a Form 1099-Cif the debt has been canceled, as required under IRS regulations .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
today, XX/XX/year> while trying to purchase a XXXX XXXX  I recognized that my CITI credit card has been closed. I have a credit rating of XXXX ( checked an hour ago ) and never was late paying the card. I am not over the limit. 
I have not been made aware of any issues with my account, I have not been contacted by CITI. 
I also have an active saving account with CITI in an excellent state. 
How it is possible to deny service without a prior notice/warning? I am about to travel to XXXX - what I CITI closes my credit card while I am overseas? 

Is there any way I can start a legal action/ sue CITI for their action Thanks

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 2026-01-30 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: PA

Complaint narrative:
I reported multiple times to PayPal dating back to XX/XX/XXXX shortly after I realized my identity had been stolen and there were over XXXX fraudulent transactions from PayPal that were not mine that my bank XXXX XXXX XXXX  permitted. Many of the merchants that were paid without my knowledge, permission or consent were merchants I had also had accounts with or purchased items from - this allowed the criminals responsible for my identity theft to mask their charges. They set up subscriptions with XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX which I have never used or sent money through ) and other merchants. I have 2 years of bank statements showing that the fraud through PayPal started XX/XX/XXXX. PayPal issued a check to me for {$3000.00} approximately and has done nothing more to resolve this issue. XXXX XXXX XXXX  has also denied the claims. In addition, I still have been unable to report fraud on my Venmo account - including a {$2200.00} payment sent in XXXX installments to a woman named XXXX XXXX who claims to be a career coach but for whom I have proof that she has manufactured her employment history, claiming to have worked at XXXX XXXX when she never did. 

I believe the persons responsible for my identity theft accepted PayPal as payment for the shops and marketplace accounts they set up using my account credentials for XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
CFPB Complaint Synchrony Bank ( Second Complaint ) This complaint is being submitted as my second complaint to the Consumer Financial Protection Bureau ( CFPB ) within a twoweek period regarding the same unresolved issue with Synchrony Bank. In total this is my fourth complaint regarding this same issue with Synchrony Bank, with them failing to 100 % resolve the internal complaints that I have submitted to them. 

Synchrony Bank reported an updated account balance to the credit bureaus over a week ago that reflects a {$420.00} credit adjustment related to a billing dispute. However, my online account portal still does not reflect this credit, and the balance displayed to me as the consumer remains incorrect. 

Synchrony has already acknowledged the dispute outcome by furnishing corrected information to consumer reporting agencies, confirming the credit is valid and should have been applied. Despite this, Synchrony has failed to update my account balance in their internal banking systems, creating a clear inconsistency between what is reported externally and what is shown internally to the account holder. 

This ongoing failure demonstrates Synchrony Banks inability to properly issue a credit and accurately adjust my account balance, raising serious concerns about the integrity and reliability of their banking systems. A financial institution should not be reporting one balance to credit bureaus while simultaneously displaying a different, inaccurate balance to the consumer. 

This discrepancy is unacceptable and creates continued confusion, lack of transparency, and potential consumer harm. If Synchrony has determined the credit is valid and has reported it as such, then the same correction must be reflected promptly and accurately on my online account. 

Synchrony Banks repeated failure to resolve this issue, even after a prior CFPB complaint, reflects a broader concern regarding their compliance with fair billing practices and accurate account reporting obligations.

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