vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX, I was contacted multiple times by XXXX XXXX XXXX XXXX about enrolling my daughter. I decided to enroll her but canceled two days later, well before the season started ( which was still a month away ). 

The programs website states that cancellations before the season begins are entitled to a full refund. I immediately contacted the administrator, XXXX, who initially told me I would receive a refund but never followed up despite repeated calls and messages. I then contacted XXXX XXXX, who delayed responding and later told me I would not receive a full refund. 

After multiple attempts to resolve this directly, I disputed the charge with Chase. However, Chase denied my dispute, stating there was a {$500.00} cancellation fee. This fee is not listed in the programs cancellation policy, and I never received any services. I was also told the company spent my money as the reason a refund could not be issued. 

I believe Chase did not conduct a thorough investigation and failed to uphold my consumer rights. Per the programs own stated policy, I am entitled to a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
VALIDTAION AND CEASE AND DESIST Collection agency name : Address : Account number : Your Name : Your Address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. Im writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practice Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exist creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 4. Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and dispute should be reflected on my credit report if you already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was charged a late fee in the amount of {$39.00} in which I called to explain if that was a mistake since I had never received the statement in the mail I then received the next month a bill in the amount of {$79.00} which means they charge me another late fee on top of the late fee. I called again to complain and I close the account. Continuously send me statements expecting me to pay the two late charges in which I do not feel responsible and especially since now the account is closed .. these charges occurred XXXX and XXXX of 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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX of XXXX  I submitted a payment for XXXX dollars, the card I used was locked and I had to reissue the payment again XX/XX/XXXX, capital one accepted the payment and then closed my account without any notice of them suspecting unusual activity beforehand. This has now affect my credit score by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On Friday XX/XX/2025 my card was declined at local XXXX 2 times. Money wasn't an issue ... In the notification sent from Chime they claimed that I entered the wrong PIN. I don't believe nobody can enter their PIN incorrectly XXXX times, back to back. Is something else more sinister going on here? Because I made several purchases days earlier, using the same card, and same PIN, no problem at the XXXX XXXX  store ( have screenshots from XXXX XXXX and XXXX ). There is a similar case already opened on XXXXXXXX XXXX XX/XX/2025. Those XXXX notifications sent from Chime above have since been removed from my account, I wonder Why? Make this make sense. In closing, my card may decline at XXXX to tomorrow and be accepted at XXXX XXXX the next day. Pure XXXX  happening here. Legal consult is pending. This is too much. I spend a lot of money at XXXX. This XXXX XXXX is bent on making me out to be a pure fool, a XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

Please delete the following accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any informatio
n relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) 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. I kindly request that you block this information from my credit report within four business days.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1 6 6 6 b a credotpr may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please have these late payment removed. account # XXXX date open XX/XX/year>

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My credit union ( Navy Federal Credit Union ) restricted access to both my personal and business accounts without notice, following an unauthorized gift card transaction, among other unauthorized transaction that I disputed. Navy Federal, shut down the card and order me a new card. I seen that the card was visible in the dashboard and I activated and froze my debit card to prevent fraud. I asked about the unauthorized gift card transaction and why the funds had not yet been placed back into my account. I was told a dispute was initiated, but Ive received no written explanation, no provisional credit. I contact the bank on XX/XX/year> and asked why my debit card was not visible and was told that I am restricted for a year for not safeguarding my account through purchases, fraud, accessibility. I replied, by stating, " I am being taxed for being fraud against, this navy federal way of punishing me! The lack of transparency and due process has disrupted my finances and business operations. I am requesting a full refund, restoration of account access, and a written explanation of the restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
In a response to a prior complaint United Wholesale Mortgage admitted to a series of their own errors that they described as " unacceptable. '' They said that they would reverse negative credit reporting because those reports were the result of their errors. Since then, they have sent new negative credit reports to credit agencies. My account is current and the company continues to send negative credit reports. I want this fixed immediately. And I want a full and real explanation about how/why to company continues to make mistakes that harm me and my wife financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Yes I purchased home insurance on XX/XX/XXXX from XXXX in the amout of {$76000.00}. Regions Bank sent a letter dated XX/XX/XXXX that read " we have received your evidence of hazard insurance on the property and have updated your account. We now consider this matter resolved. '' Yet I got a letter dated XX/XX/XXXX that I had no insurance on property and would take out their own insurance. 
My mortgage statement dated XX/XX/XXXX shows that they are trying to rip me off by charging {$1400.00}. These guys are crooks! I have uploaded them my proof of insurance twice to them at XXXX XXXX XXXX Now they are stalling and claiming they didn't get it so i uploaded again. I tried to find a number to talk with someone but they don't have any customer service. 
I didn't choose this company and the practice of selling off mortgages to any fly by night company should be outlawed!

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 2025-09-28 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: BARCLAYS BANK DELAWARE
State: VI

Complaint narrative:
Large number of transactions are fraudulent due to theft of card. 

Creditor has refused to investigate, and no longer provides access to do so. 

Forced to enter a payment plan.

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 2025-09-28 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I applied for the Universal Rewards Visa credit card with no annual fee that advertised a {$150.00} cash-back bonus after spending {$500.00} within the first 3 months. I was approved and made {$710.00} in legitimate purchases, satisfying the spending requirement. Shortly thereafter, the bank closed my account following what they called a random review and marked it as fraud. I was told that because the account was closed, I would not receive the {$150.00} bonus, but I still owe the full {$710.00} balance. 

All purchases were legitimate and made by me. I received no evidence of fraud and no meaningful opportunity to verify or appeal before closure. I believe it is unfair and deceptive to induce spending with a bonus offer, then deny the bonus after the requirement is met while still demanding full payment. 

Timeline : - XX/XX/year> : Approved for credit card - XX/XX/year> : Spent {$710.00} ( met {$500.00} requirement ). 
About 2 weeks, after the account was closed during random review, flagged as fraud. 

- XX/XX/year> : I called to their contact center to inquiete about the situation and they informed me that bonus would not be honored ; balance still owed. 
- XXXX : I contacted FNBOs fraud department and they stated that they couldnt provide any details of the fraud investigation and confirm I can not contest it or appeal to it.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. 
Please investigate the following accounts, as I believe they contain errors or are unverifiable : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are being reported inaccurately and/or can not be verified. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and remove or correct these items within 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My personal information was compromised as a result of breaches at Equifax and TransUnion. Fraudulent hard inquiries and unauthorized accounts have since appeared on my credit files with all three major credit reporting agencies : Equifax, TransUnion, and Experian. These accounts and inquiries are not mine and are the result of identity theft. I have attempted to resolve this matter with both the creditors and the credit reporting agencies, but they have refused to remove the fraudulent information. 

I also make clear that I adamantly refuse and do not consent to the placement of any consumer alerts, fraud alerts, extended fraud alerts, consumer statements, internal flags, or any hidden designations visible to creditors or CRAs but not visible to me. Such actions do more harm to me than the identity theft itself. If these measures are imposed despite this written refusal, I reserve the right to pursue litigation and seek substantial damages and fines.

Under USC 1681c-2 and FCRA 605b I am requesting an immediate removal and block of all fraudulent items listed here in. Numerous times, Equifax, Trans Union and Experian try to use the excuse that they cant do anything until they have 30 days to investigate. This is clear violation of federal law and not acceptable. It is not the burden of myself to wait 30 days. The removal one block must be placed once the appropriate documents and forms have been submitted to each of the agencies. At that time, the CRAs are welcome to investigate to find more information. Furthermore, the CRAs are in a second violation by informing me that I must get a letter of deletion from each of the creditors that have a hard inquiry on my report. Then submit that to them, and they would then look into removing the hard inquiry. I truly believe that these credit reporting agencies dont make up their own laws. They allow mid management to come up with whatever statements sound good at the time and to reduce the work they have to do. This is a shame and should be rectified post haste.

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 2025-09-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My personal information was compromised as a result of breaches at Equifax and TransUnion. Fraudulent hard inquiries and unauthorized accounts have since appeared on my credit files with all three major credit reporting agencies : Equifax, TransUnion, and Experian. These accounts and inquiries are not mine and are the result of identity theft. I have attempted to resolve this matter with both the creditors and the credit reporting agencies, but they have refused to remove the fraudulent information. 

I also make clear that I adamantly refuse and do not consent to the placement of any consumer alerts, fraud alerts, extended fraud alerts, consumer statements, internal flags, or any hidden designations visible to creditors or CRAs but not visible to me. Such actions do more harm to me than the identity theft itself. If these measures are imposed despite this written refusal, I reserve the right to pursue litigation and seek substantial damages and fines.

Under USC 1681c-2 and FCRA 605b I am requesting an immediate removal and block of all fraudulent items listed here in. Numerous times, Equifax, Trans Union and Experian try to use the excuse that they cant do anything until they have 30 days to investigate. This is clear violation of federal law and not acceptable. It is not the burden of myself to wait 30 days. The removal one block must be placed once the appropriate documents and forms have been submitted to each of the agencies. At that time, the CRAs are welcome to investigate to find more information. Furthermore, the CRAs are in a second violation by informing me that I must get a letter of deletion from each of the creditors that have a hard inquiry on my report. Then submit that to them, and they would then look into removing the hard inquiry. I truly believe that these credit reporting agencies dont make up their own laws. They allow mid management to come up with whatever statements sound good at the time and to reduce the work they have to do. This is a shame and should be rectified post haste.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation