vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, this is what i sent to Capital One to explain what has happened and why im requesting a full refund. To whom it may concern, I would like to explain the story, what exactly happened so you can understand why Im RE disputing the charge. I actually already disputed the charge and got credited, but to my dismay I see that I was recharged because the company had contested my argument. So at this point, I will send you evidence and explain exactly what happened. On the evening of XX/XX/year>, I escorted my friends to XXXX XXXX, who were scheduled to depart for a trip to XXXX. When we got to the airport, it got very tempting, from one minute to the next, I decided to join my friends on the trip, I quickly went onto flight hubs website and bought a ticket. I got a confirmation right away ( see attached ) and with that I went to the ticket desk to check in, however when I got there they told me they see my reservation but it was not ticketed yet, they werent sure what the story is. So they put me on the phone with the back office at XXXX XXXX and they explained to me that with all these third-party companies, they first reserve and then they issue the ticket, they told me you have a reservation but you dont have a ticket yet therefore you can not check in. I was waiting patiently and was hoping that any moment I will get another email confirming the TICKET. Unfortunately, did not happen until XXXX ( XXXX minutes before the flight was scheduled depart ), needless to say at that point this ticket was worthless. Attached you will find both confirmations, one at the time of the reservation which does NOT show a ticket number, the other one at XXXX which only then shows a ticket number ( circled ). They should never be selling me a ticket for something I can not travel immediately. Reserving without a ticket is really something wrong that theyre doing. In the response to my previous dispute, they claim that I came too late to the airport for check-in, you can clearly see that this is not the case, the evidence talks for itself. Kindly remove the charge from my account. Thank you very much for your attention to this matter. XXXX XXXX XXXX Capital One customer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I was applying for a personal loan in order to purchase a home and was asked to grant access to my bank statements with a third-party link. Which I did and the company turned around and withdrew {$1300.00} separate transactions XXXX for XXXX for XXXX when I contacted them and ask them why they access my account and withdrew funds. They denied everything and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL REQUEST FOR INVESTIGATION AND VERIFICATION OF NEGATIVE ACCOUNTS To Whom It May Concern : I recently obtained a copy of my XXXX credit report and discovered several accounts that I dispute. Pursuant to my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am requesting a reasonable investigation into the accuracy, completeness, and verifiability of the information being reported. I dispute the following accounts : XXXX CREDIT COLLECTION SERVICES Original Creditor : Frontier Communications Account Number : XXXX I am requesting that TransUnion conduct a thorough investigation and provide competent evidence that these accounts are being reported accurately. Specifically, please provide : The date the accounts were opened. The date of first delinquency. The complete payment history. The name and address of the original creditor. Documentation bearing my signature establishing liability. Documentation proving the furnisher has the legal right to collect and report the alleged debt. The method of verification used during the investigation. If TransUnion can not provide documentation sufficient to verify the accuracy and completeness of the disputed information, I request that the accounts be deleted from my consumer file immediately pursuant to Sections XXXX and XXXX of the Fair Credit Reporting Act. Additionally, I request that any inaccurate, duplicate, obsolete, or unverifiable personal information, addresses, telephone numbers, employment information, and account information be removed from my credit report. Please provide the results of your investigation in writing and furnish me with an updated copy of my credit report reflecting any corrections made. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, respectfully request that the Consumer Financial Protection Bureau require a further investigation into American Express accounts ending in XXXX, XXXX, and XXXX. I dispute the accuracy and ownership of these accounts. American Express correspondence concerning these accounts was sent to : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX I have never resided at this address. My residence is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX I requested verification of the accounts and dispute that they belong to me. I request production of the original account applications, signatures, electronic acceptance records, business records, and all documentation showing that I opened or authorized these accounts. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and must delete or modify information that is inaccurate, incomplete, or can not be verified. The CFPB has further stated that consumer reporting agencies and furnishers must investigate disputed identifying information, including addresses, and must conduct reasonable investigations when consumers provide evidence of inaccuracies. reflects an address where I have never resided, and because I continue to dispute ownership and accuracy of these accounts, I request : 1. A complete reinvestigation of the accounts ; 2. Production of the original account-opening documentation ; 3. Verification of the address used at account opening ; 4. Removal of any information that can not be verified as accurate and attributable to me. I declare under penalty of perjury that the foregoing is true and correct. Dated : XX/XX/year> XXXX XXXX XXXX, Beneficiary

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL REQUEST FOR INVESTIGATION AND VERIFICATION OF NEGATIVE ACCOUNTS To Whom It May Concern : I recently obtained a copy of my XXXX credit report and discovered several accounts that I dispute. Pursuant to my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am requesting a reasonable investigation into the accuracy, completeness, and verifiability of the information being reported. I dispute the following accounts : XXXX CREDIT COLLECTION SERVICES Original Creditor : Frontier Communications Account Number : XXXX I am requesting that XXXX conduct a thorough investigation and provide competent evidence that these accounts are being reported accurately. Specifically, please provide : The date the accounts were opened. The date of first delinquency. The complete payment history. The name and address of the original creditor. Documentation bearing my signature establishing liability. Documentation proving the furnisher has the legal right to collect and report the alleged debt. The method of verification used during the investigation. If TransUnion can not provide documentation sufficient to verify the accuracy and completeness of the disputed information, I request that the accounts be deleted from my consumer file immediately pursuant to Sections XXXX and XXXX of the Fair Credit Reporting Act. Additionally, I request that any inaccurate, duplicate, obsolete, or unverifiable personal information, addresses, telephone numbers, employment information, and account information be removed from my credit report. Please provide the results of your investigation in writing and furnish me with an updated copy of my credit report reflecting any corrections made. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was selling my XXXX XXXX and it was for XXXX XXXX The person sent me that money from what was supposedly a XXXX business account. I got an email from what I assumed to be XXXX giving me a number to call and I did. The person on the phone claimed to be from XXXX and told me I needed to get the other person to send an additional XXXX $ in order to process the money into my account so I did that and then the " XXXX representative '' claimed I needed to send another XXXX $ becuase I didnt put " business repayment '' in the memo line and when I said it felt like a scam they got aggressive with me and told me they would be freezing my account and blocking me out of my Wells Fargo account. I then hung up and called Wells Fargo that day and reported it as well as contacting the FBI for the fraud.

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Fraudulent Bank incident XXXX Dear Sir, or Madam XXXX XXXX in the early morning I checked my XXXX checking and savings accounts on line as usual. I discovered that someone had moved # XXXX from my savings account to my checking account. I then discovered that someone had added a payee to my on line bill pay in the name of CitiBank with an associated account # ending XXXX, phone # XXXX. At the same time I discovered a payment to that Citibank of {$2900.00} was initiated but had not gone thru yet. I did not receive any type of notification that any payees were added or that a large payment had been initiated. I immediately contacted XXXX and put a stop payment. With that I did not suffer any monetary loss, so far. I deleted the Citibank Payee but took a screen shot of their info. before deleting it. I also stopped at the local XXXX branch and spoke with them about it, XXXX. I also spoke with a XXXX XXXX. Sergeant who requested that I attempt to obtain from XXXX the name and account number the perpetrator before they initiate their investigation. I am waiting to see what XXXX comes up with.

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 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Consumer Complaint Regarding Deceptive Compliance Practices and Misrepresentation of Federal CARD Act Rights I am filing this complaint against Chase Bank for engaging in deceptive, inconsistent communication practices regarding my consumer credit rights under the Credit Card XXXX XXXX and Disclosure ( CARD ) Act of XXXX. My Chase account was placed on a XXXX XXXX of 29.99 % from the original rate of 19.49 % effective XX/XX/XXXX. Under federal law ( the XXXX XXXX ), credit card issuers are mandated to review an account after XXXX consecutive, on-time monthly payments to restore the standard rate. I am currently on month XXXX of flawless, consecutive on-time payment history. Chase has provided entirely contradictory and misleading information across its communication channels : Phone Misinformation : When I previously contacted Chase customer service on XX/XX/XXXX to clarify the timeline for this mandatory review, a Chase representative explicitly stated on a recorded line that penalty XXXX reviews only occur " yearly. '' This is a direct misrepresentation of federal compliance timelines. XXXX XXXX XXXX : Concurrently, the official Chase mobile application keeps displaying a persistent notice stating that the 29.99 % penalty XXXX " takes effect the next day, '' creating constant confusion regarding the actual structural status and daily tracking of my interest rate. On XX/XX/XXXX, I escalated these communication failures to a Chase Account XXXX supervisor via their dedicated retention line. I requested a manual goodwill reduction to resolve the structural misinformation and protect my upcoming XX/XX/XXXX statement cycle from compounding at an improperly disclosed rate. The supervisor flatly refused to acknowledge the regulatory errors, the digital app discrepancy, or review the recorded call. Note : A formal copy of this complaint has been filed concurrently with both the Consumer Financial Protection Bureau ( CFPB ) and the Louisiana Attorney Generals Consumer Protection Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: NY

Complaint narrative:
I was trying to make a payment plan or payment to my credit cards owed on my credit report. I was supposed to be contacting XXXX XXXX on my credit report XXXX XXXX and when I called I got a COMPANY NAME XXXX XXXX SAYING THEY WAS AFFILIATED WITH THEM. I agreed too make a payment plan to pay it off but than I found out the company scanned through calls and pick up people go pretend as if they are afflicted with the COLLECTION COMPANY. I made a dispute with CHIME The bank I bank with and they said the dispute was correct and I lost out on my money. CHIME NEVER XXXX ITS CUSTOMERS I MEAN NEVER they just go with the company because they dont wan na do any work.Im missing out on {$700.00} and its unfair because CHIME FAILED TO DO ANY WORK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened up a fraud claim for 3 charges that I did not authorize. The Amex fraud case is XXXX. Amex XXXX dept told me that if I send them a police report, they will reopen the fraud claim. I uploaded the fbi report twice, the first time on XX/XX/2026, and the XXXX dept said they never got it. Additionally the claim the merchant is giving Amex about those charges is from them doing business with a different name altogether. I am requested that Amex reopen the fraud claim with the new document that I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint because XXXX is continuing to report an account from Credence Resource on my credit file that has not been properly verified and does not appear to be accurate. I have made multiple good-faith attempts to resolve this issue. As part of that process, I disputed this account with all three major credit bureaus. After investigation, both XXXX and XXXX removed this account completely because they were unable to verify that it belongs to me. Despite this, XXXX continues to report the same account, even though the other two bureaus have already determined that it could not be validated. This inconsistency is extremely concerning and has caused me significant frustration. It is also damaging to my credit and feels like a direct reflection on my personal integrity. I have already submitted a dispute directly to XXXX and provided documentation. I will also be attaching : My previous dispute letter An earlier XXXX report showing the account Updated credit reports showing the account is no longer reporting with XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a XXXX loan ; somehow this new company took it over and when as a XXXX Veteran had to be hospitalized for Medical XXXX Treatments and more i asked the new company NewRez dba Shellpoint for assistance. The VA XXXX XXXX XXXX. i can only get help if i miss XXXX payments the VA told me to not pay any payments for the above time. The lenders said i can after I get a forbearance then XXXX can help with a XXXX. I followed all what was told and given to me i started to make XXXX payments but am still several behind, as all my funds have been used for medical care. Today, NewRez XXXX Shellpoint told me they will " KICK ME '' out XXXX or not. Threats of harm and others ; then the VA told me that the lenders have many federal and state lawsuits for the exact thing they are doing to me, several in Washington XXXX and many others. I was told to again re-open and file a new complaint

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: IL

Complaint narrative:
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXXXX/XX/XXXX I went to the police for a police report and trying to go to court

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