vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone fraudulently openned an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I called Golden 1 Credit Union on or approx. XX/XX/XXXX to close XXXX of my savings accounts. One account had a {$25.00} balance and the other was just over {$3000.00}. I was told that the only method of providing me my funds was a cashier 's check that would have to be mailed. I was denied my request to visit a branch to close and withdraw my funds in person. I received one cashiers check for {$25.00} within XXXX business days to my home address. The other check for the second closed account wasn't received. The XXXX has no record of the second cashiers check ever making it to the mail processing and the check never arrived at my home address. I subscribe to XXXX informed delivery and they only show a record of the one mail piece from Golden 1 ever being processed for my address since XX/XX/XXXX. My address was verified with Golden 1 prior to closing the account, as I successfully received one check. I called Golden 1 customer service XXXX times over the course of the next XXXX days to report that my check still hadn't been received. I was told there was nothing that could be done and I needed to wait until after the XXXX window. The XXXX window came and went and I called back on XX/XX/XXXX and was told that they confirmed that the check wasn't cashed, but it wasn't returned. At that time I was told that a stop payment would be placed on the initial cashiers check and that I would be rush issued a new check. I was not given a timeline for how long that process would take. I hadn't yet received a check within XXXX weeks so I called back on XX/XX/XXXX and was told that now I need to take time off work to go into a branch and complete a declaration of loss form, bringing an ID and a marriage certificate ( new last name from my name on closed account ) with me in order to complete. Only then will they re-review my account for closure and go through another process with the Accounting team to get approvals to re-issue me a check. I was given no specific timeline for this new process to be completed. The information they gave me on XX/XX/XXXX about having a new check rush issued was false. I have been given different answers each time I call, and I've been owed my money for over XXXX months. Each of my calls to the Customer Service line should have been monitored/recorded. Golden 1 has been giving me the run around and failing to provide me with my funds in a timely manner, along with changing the process each time I have contacted them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: MRS BPO, LLC
State: KY

Complaint narrative:
I am a victim of identity theft, and I am filing this complaint against XXXX and the collection agency, MRS BPO, for extreme negligence. These companies need to be held responsible for their incompetent business practices. I have been a valued XXXX customer for several years, with my valid account based in Kentucky. Someone in Massachusetts contacted XXXX to open a landline account in my name. When XXXX typed my information into their system, my original, active account had to have been displayed on their screens. XXXX completely overrode that red flag, ignored the geographic discrepancy, and allowed the account to go through anyway. They are just as accountable for this as the person who scammed me. I immediately contacted XXXX, informed them of the identity theft, and they flagged the account as fraud. Despite knowing XXXX well it was fraud, XXXX went ahead with more incompetency and pushed it through to a debt collector, MRS BPO, just XXXX to XXXX weeks later. XXXX is no better than the scammer in doing this also. Furthermore, I checked the MRS BPO portal and found that the email address attached to this account is XXXX. This is not my email address ; it belongs to the thief. Because of their blatant disregard, my credit is completely shot for at least XXXX months, and I can not do anything with my credit. XXXX and MRS BPO must be held accountable for the damage they have caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and found an account with inaccurate reporting. It shows a late payment that was, in fact, paid on time. Consumer reporting agencies are required to report information with complete accuracy, and this account has never been late. I have attached a copy of my report with the relevant dates for your review. It's a XXXX XXXX Account. Account XXXX XXXX. XX/XX/year> was the date of the reported late payment. I am requesting that you investigate this account and promptly update the payment history to reflect on-time payments. Thank you for your attention to this matter.

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 2026-05-26 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: SC

Complaint narrative:
I recently reviewed my credit report and found an account with inaccurate reporting. It shows a late payment that was, in fact, paid on time. Consumer reporting agencies are required to report information with complete accuracy, and this account has never been late. I have attached a copy of my report with the relevant dates for your review. It's a XXXX XXXX Account. Account XXXX XXXX. XX/XX/year> was the date of the reported late payment. I am requesting that you investigate this account and promptly update the payment history to reflect on-time payments. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/year>, have made settlement with the original creditor, XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
I am submitting this complaint regarding conduct associated with the servicing and foreclosure activity on my home loan. Representatives believed to be acting on behalf of the mortgage servicer and/or property preservation contractors have repeatedly appeared at my occupied residence and engaged in intrusive and intimidating conduct. This conduct includes : * photographing the property at close range, * lingering at my front door, * attempting to peer through residential windows, * and questioning a minor child entering the residence. The property is occupied, and these actions have caused significant distress and concern regarding privacy and safety. I have XXXX camera footage documenting these incidents. I am requesting : XXXX identification of all third-party contractors assigned to the property, XXXX confirmation of the authority granted to those contractors, XXXX an investigation into whether these actions violate servicing standards or consumer protection laws, XXXX and immediate cessation of intrusive surveillance and contact with minors. I request written confirmation that the servicer has instructed all representatives to stop this conduct and limit communications to lawful written channels.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I believe they are scammers, they claim to be from Argon Agency - a debt collection company handling medical debt. However, the voicemails they leave don't make sense and sound AI-generated. They have even called me on the weekends and constantly during work hours. The attempt first started on XX/XX/XXXX. Second attempt was twice in XXXX day on XX/XX/XXXX at XXXX XXXX Third attempt was XX/XX/XXXX and when I answered, they asked if I was so-and-so and I said this is she since I had been expecting a call from a medical provider around that time. When they mentioned they were collecting a debt, I hung up as all of my creditors have not contacted me like that ( it is usually through letters in the mail ). They then tried again XX/XX/XXXX at XXXX. Fifth attempt was XX/XX/XXXX at XXXX. They called me again on SATURDAY XX/XX/XXXX at XXXX. Most recent attempt was today XX/XX/XXXX at XXXX. Without fail, they ALWAYS leave voicemails that do not sound human. It sounds like a non-English speaker speaking vague-ish XXXX, but the pronunciations are not even that of a typical foreigner. It's as if they took a XXXX man with a thick accent and then tried to make him sound XXXX, but done so poorly.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
On Friday my husband went to XXXX to add XXXX to my chime account. Did this in XXXX separate transactions of XXXX. Hours later around XXXX when we were sleep our account began to get charged by the time we woke up around XXXX XXXX total transactions had went through ranging from {$2.00} dollars up to {$200.00} the entire account was drained from $ XXXX down to {$63.00} dollars. Till this day even as early as XXXX minutes prior to me writing this my account is still attempting to be charged ( everything is getting denied because I canceled all my cards ) but some way they are still able to charge my account. Chime has denied multiple disputes regarding this! This is crazy XXXX total transactions! We even have text messages from the night asking if these were fraud and of course we couldnt answer we were sleep yet they still allowed them to all go through this is nuts!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: KY

Complaint narrative:
Crown Asset Management XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX sold my debt to crown asset management without informing me or obtaining my signature. They also sold my private information without my knowledge. They filed a lawsuit claiming I owed them over a {$1000.00} on a card with a limit of {$500.00}. The lawsuit was overruled by the court in XXXX. They have now sent a motion for discovery with interrogatory questions, and request for production of documents the lawsuit was overruled. They continue to send paperwork and documents and harassing me over a debt they did not legally purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: FL

Complaint narrative:
b'Formal Complaint Against PayPal, Inc. regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is a formal complaint against PayPal for bad-faith claims handling, endless administrative stonewalling, and withholding funds despite full consumer compliance with carrier instructions and federal safety regulations.\n\nI have been going back and forth with PayPal customer service and supervisors for nearly a month, following every changing instruction they have given me.\n\nThe dispute stems from an electric bicycle purchase that arrived with a severe mechanical defect. A certified bicycle mechanic inspected the unit and issued an official report XXXX XXXX XXXX) stating that the high-voltage lithium battery terminals are physically compromised, creating a poor electrical connection and a severe risk of an electrical short and thermal runaway/fire hazard.\n\nUnder U.S. Department of Transportation federal law (49 CFR Section 173.185(f)), it is strictly illegal to transport or ship a documented damaged or defective lithium battery via commercial air or standard transit networks.\n\nA PayPal phone supervisor previously opened backend tickXXXX XXXX and explicitly instructed that if an official carrier refusal was secured proving the item cannot be legally shipped, PayPal would issue a manual override refund of XXXX XXXX XXXX XXXX the technical hazard report was presented to XXXX XXXX XXXX The manager physically signed an official XXXX safety document which include: "The item described in Bike Shop work order XXXX contains a documented defective lithium-ion battery hazard and is hereby refused for transport." They appended their unique corporate location identifierXXXX XXXX XXXXThis official corporate carrier refusal was uploaded to the PayPal case file. Today, after weeks of cooperation on my end, a PayPal supervisor named XXXX rejected this official corporate safety refusal, moving the goalposts yet again by claiming it was not in the correct document format, and insisted that the dispute requires a standard return tracking number.\n\nBecause a global carrier has officially refused the package under federal safety protocols, it is physically and legally impossible to provide a tracking number. PayPal is utilizing automated policy loops to withhold a XXXX refund despite the provision of the exact carrier-refusal documentation requested under ticket XXXX demand that PayPals corporate compliance team review the certified documents, execute an immediXXXX XXXX XXXX XXXX XXXX XXXX $1,099.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

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

Company 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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I am writing to formally lodge a complaint regarding extremely poor customer service and a failure to honor a promotional offer at the Chase Bank branch in XXXX XXXX, Iowa on XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I opened a new account with XXXX XXXX under a promotion that guaranteed a {$400.00} credit. I met the required deposit threshold just a few weeks later. When the credit did not appear, I visited the branch on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX. XXXX XXXX assured me that the {$400.00} credit would be deposited into my account within XXXX weeks. Relying on XXXX XXXX 's explicit promise, I established a payment plan with my utility provider, XXXX XXXX XXXX XXXX, scheduling a payment to coincide with the arrival of those funds. Today, XX/XX/XXXX, having still not received the credit, I returned to the branch. XXXX XXXX informed me that he had neglected to submit the request for my promotional credit, and that I would now have to wait an additional XXXX weeks. Because of this oversight and the subsequent delay, the scheduled payment to my water company could not be cleared. As a direct result, the water service to my home has been disconnected. I have XXXX children in my household who are now left without basic necessities due to this error. This situation reflects a severe lack of accountability and poor customer service for a new customer. I request that this promotional credit be expedited and applied to my account immediately so that I can resolve this utility crisis. I look forward to your prompt response and immediate assistance in resolving this matter. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AR

Complaint narrative:
I was using XXXX XXXX way back I'm XXXX after my identity was stolen a couple months into using them someone had accessed my account and cancelled my card and shipped a new one to XXXX but I caught it it ride before my XXXX check was to be deposited so I didn't loose anything I changed my direct deposit since the government card got hacked so easily now gast forward to XX/XX/XXXX my XXXX XXXX XXXX was A current user of XXXX XXXX she died that morning after all day things where crazy my mother died the woman who gave me life but I called XXXX XXXX to notify them if her death it said her card was cancelled I didn't think about it after being on hold for over XXXX minutes I hung up I mean I was grieving my mother I was in a bad way now identity theft went crazy after that would crazy but nothing was showing in my reports but they were saying. I had bad accounts and drained my life savings but I never had a life savings I thought but still nothing was showing on my reports found a few bad accounts that dated back.befotd j even knew my identity was out there but I kept digging cause it had to do with my dead father XXXX XXXX died when I was XXXX in XXXX so while digging I have determined that the accounts are being combined of mixed data over mine and my mother 's since we both have the same first name that XXXX I can't verify these accounts they claim u had an. Why they aren't appearing on XXXX reports but amongst my digging I came across something about the XXXX XXXX card being used thru XXXX to laundry money the beging of this year XXXX I called and confirmed that my card was still active and restricted cause of fraudulent activity and my dead mothers account had a new card and was actively being used so they stopped if XXXX XXXX have verified my identity and address for my account then arc supposed. To send me XXXX new card so I can log in and dispute everything I did not do they were suppose to give me access to my dead mothers transaction history from the day she died XX/XX/XXXX until they closed the Account cause she's dead she wasn't allowed to.use the card in heaven and I don't have d a car for a count it was cancelled the day she died so I needed to dispute the transaction now I can't get anyone to answer the phone and tell me why they aren't doing what was going to do cause one it involved money that was supposed to be mine and my brothers inheritance on.my XXXX XXXX we didn't know about and XXXX it's money laundering so yeah answer the phone and let 's get this problem stopped and solved but no when n do get an answer they transfer my call and back on hold to be never get picked up I need to know why they won't do it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief