vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am filing a complaint regarding a credit card fraud investigation handled by JPMorgan Chase. I believe the investigation was handled incorrectly and important facts were ignored. On XX/XX/year>, a transaction for {$4500.00} labeled XXXXXXXX XXXX XXXXXXXX XXXX was made on my credit card. I did not authorize or make this transaction. I live in Indiana and the transaction activity associated with this charge occurred from other locations. Immediately after I noticed suspicious activity, I locked my credit card in the Chase app to prevent further unauthorized transactions. Despite the card being locked, additional attempted transactions were still made on the account while it was locked. I also received multiple alerts from Chase stating that someone was trying to use my locked card, which further shows that someone else had access to my card information. Another important issue is that my email account had been hacked at the time. Chase sent a fraud alert asking if the transaction was authorized, and someone responded yes through my compromised email. When I later spoke with Chase, I informed them that my email had been hacked and that I did not approve that response. This response was not made by me. Despite these facts, Chase completed their investigation and determined that I am responsible for the {$4500.00} transaction. I strongly disagree with this decision because I reported the issue, locked the card immediately, and informed Chase that my email had been compromised. The unauthorized attempts while the card was locked also demonstrate that someone else had my card information. I am requesting that Chase reopen the investigation, review the fraud alerts, review the attempted transactions while the card was locked, and reconsider their decision regarding the {$4500.00} XXXX transaction. I believe this charge was unauthorized and should not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt, including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
This complaint involves an unauthorized electronic fund transfer of {$3900.00} that originated from a federal XXXX financial aid deposit in XX/XX/year>. The transaction in question was not authorized by me. At the time the withdrawal occurred, I was logged out of my account. When I regained access, I discovered clear indicators of account takeover, including : Unauthorized device logins, including Windows devices I have never owned or used A connected/side account name changed to XXXX, which I did not create Forced logout from my account Funds withdrawn immediately after the XXXX deposit XXXX immediately reported the transaction as unauthorized and requested a fraud investigation. Cash App denied my dispute solely on the basis that the withdrawal came from my account. That statement does not establish authorization. Under the Electronic Fund Transfer Act ( Regulation E ), the burden is on the financial institution to conduct a reasonable investigation and determine whether the transaction was authorized. When I requested evidence used to deny my dispute, Cash App only provided a PDF showing the {$3900.00} withdrawal itself. They did NOT provide : XXXX address logs Device fingerprint data Geolocation data Authentication method used Explanation for the unauthorized device sessions Explanation for the account name change Explanation for the forced logout I also submitted over three months of statements and two years of transaction history showing no prior similar activity. Cash App closed the case without addre ssing the documented signs of account takeover and without providing evidence that I authorized the transfer. This was federal student aid money, which makes the failure to properly investigate even more serious. I am requesting a formal reinvestigation that complies with Regulation E and a written explanation of the specific evidence used to conclude that this transaction was authorized. The issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Usually get my payroll on Wednesday by XXXX still XXXX hit my account. CHIME representative did not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was told that I received a {$7000.00} credit card .from huntington bank with a outstanding balance.i never received any bill statement to prove that purchases was made.i want a bill or a statement to show what was purchased on that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am reporting a security failure by Cash App for Case XXXX XXXX. On XX/XX/year>, an unauthorized {$8.00} charge from XXXX ( ID : XXXX ) bypassed my LOCKED CARD using 'Cash App Pay. ' Cash App already admitted my account was compromised by refunding a similar XXXX charge last week, but they are denying this one. I am XXXX and jobless, and this is a severe financial hardship. I am requesting an immediate Provisional Credit as required by the XXXX legal mandate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied and was approved for a new American Express card on XX/XX/2026. When I received the card I proceeded with a balance transfer request and at every turn, the interest rate was advertised to be 0 % as an introductory offer. That was XX/XX/2026. I received my first statement on XX/XX/2026, just over a week after even starting the transfer. There was {$18.00} interest charge. I called and asked what it was for. That is when I was told I had 24 % interest rate. I paid off the card 2 days after the conversation to just be done with them. I received a new statement XXXX with {$16.00} interest charge. When I called about this, I was told it was for residual balance. I paid the entire balance within 5 days of getting the first statement. They said they would reverse the second interest charge but it is still there. I honestly would have let it go but the second charge on a XXXX balance was just too much. I used the promotional card to save money and so far I have paid them over {$120.00} in fees and interest and had the card for less than a month. I opened the account on XX/XX/2026 and paid the entire balance closed it on XX/XX/2026.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 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: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
This is in reference to case number XXXX and all information in this complaint continues to be pertinent. XXXX XXXX at Truist violated the EFTA and CPB requirements We requested results from the above case number on XX/XX/year> as we had not heard anything. This case had also been escalated to XXXX XXXX. XXXX responded that the case had been closed and CC'ed XXXX XXXX XXXX did not even sign his email. It was just a few hours later that we received an email from the CPB that the case has been closed. Truist also reported me to the credit agencies for being too close to my limit, the scam charges put me close to my limit. My credit score has taken a dive. They did not provide provisional credit while investigating, as required by EFTA and instead reported me to the credit agencies. EFTA violations : XXXX XXXX failed to conduct investigation and resolve their error within 10 business days. XXXX XXXX failed to provide resolution in a timely manner per EFTA requirements. XXXX XXXX failed in general communication and did not respond to any of my or my daughter 's emails. XXXX XXXX misclassified an unauthorized transfer as authorized. XXXX has failed to provide a written explanation of investigation findings. We have also been concerned about scammers within Truist throughout this whole experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I lodged a dispute with Chime bank in the amount of {$720.00}. my phone was stolen and accessed through accessing my account they were able to gain access to my Chime checking and Savings accounts to which the emptied. I found my phone the next day and realized what happened and immediately contacted Chime. They denied my refund request despite acknowledging that there was suspicious activity on my account they then restricted my access to my accounts by disallowing me to sign in without valid ID. I explained to them that my ID was stolen and I required access to my account to be able to purchase a new one and despite having the ability to verify my identity with the knowledge identity questions which they had done for me in XXXX. The now vehemently deny the ability to do this and will not allow me access into the app effectively blocking me from my money as I now can not transfer my money from my savings account to my checking account or activate my " my pay '' cash advance feature the total of the funds chime is currently withholding from me is {$210.00}. I have called them repeatedly to no avail. The continue to block me access from my funds which is really hurting me as I don't have any other income and the money they are holding from me is the remainder of my XXXX check. This is completely unacceptable and I need this to be rectified ASAP. I need my money and they are keeping it away from me. If there was no suspicious activity on my account to justify giving me a refund then there is no reason for them to have put this restriction on my account. If however they felt there was suspicious activity on my account then where is my refund for the {$720.00} it is my opinion that this money should be refunded to me and it is absurd for them to keep me from money. They are causing so much undue XXXX it is unbelievable. When my check came why did any of it even get put into this savings account at all I did not request this or authorize this and I want my money back from them NOW. This has been going on for over two weeks now and it's absurd. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
I am submitting this complaint regarding ChexSystems reporting of unauthorized inquiries on my consumer file. After reviewing my ChexSystems consumer report, I discovered inquiries associated with XXXX on behalf of XXXX XXXX dated XX/XX/XXXX and XXXX XXXX on behalf of XXXX XXXX dated XX/XX/XXXX. I did not authorize, apply for, or consent to any credit inquiry, account, or financial service with these entities. These inquiries appear to involve the unauthorized use of my personal identifying information. Because they were not authorized by me, they do not meet the permissible purpose requirements under the Fair Credit Reporting Act. I have already submitted an Identity Theft Report through XXXX and provided documentation to ChexSystems requesting that these fraudulent inquiries be blocked and removed pursuant to the Fair Credit Reporting Act, including Sections 605B, 604, and 611. Under FCRA 605B these fraudulent hard inquiries that are viewable with other companies must be removed as listed above. Despite receiving notice and documentation, ChexSystems has continued to maintain these unauthorized inquiries in my consumer file. As a consumer reporting agency, ChexSystems has a legal obligation to maintain accurate information and to block identity theft related information once a valid identity theft report is provided. The continued reporting of these unauthorized inquiries is inaccurate, harmful, and inconsistent with federal consumer protection laws. I am requesting that ChexSystems immediately block and permanently remove the unauthorized inquiries associated with XXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX from my consumer report and provide written confirmation that these items have been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
A {$400.00} landlord cleaning charge from a move-out inspection was sent to collections and reported on my credit. The inspection report misrepresented the units condition, labeling clearly clean surfaces and drywall repair dust as dirty. The unit was professionally cleaned before move-out ( {$600.00} receipt ). I disputed the charge but ultimately paid the collection to resolve the account. The move-out inspection photographs include drywall repair dust and surfaces that appear visibly clean but were labeled dirty. Charging a tenant for conditions caused by repairs or ordinary wear is inconsistent with California security-deposit law under California Civil Code 1950.5. The collection notice was also sent to an address where I no longer lived, and I did not otherwise receive notice of the debt. I only discovered the collection when I was denied for a rental application because of it, which caused material harm. The collection agency involved is Fair Collections and Outsourcing ( XXXX XXXX ). The property was XXXX XXXX in XXXX XXXX, CA, managed by XXXX XXXX. This was a dishonest, fraudulent attempt to XXXX and XXXX a renter with perfect payment history who lived in the community peacefully and without incident for two years. FCO clearly did not review the move out inspection photos to confirm the validity of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
have maintained a PayPal account for approximately 10 years and use the platform to receive payments for legitimate professional services related to tax preparation and advisory work. Recently, PayPal placed a limitation on my account and is holding approximately {$800.00} in funds under review without providing a clear explanation of the alleged issue or what specific information is required to resolve the limitation. The funds represent payment for services that were already rendered to a client. Because my work involves professional services, certain client information is confidential and can not be disclosed beyond what is reasonably necessary. Additionally, after placing the limitation on my account and restricting access to my PayPal balance, PayPal withdrew funds {$800.00} from my linked bank account in order to process a refund. This occurred while the account was still under limitation. Total {$1600.00} I have attempted to obtain clarification from PayPal but have not received a clear explanation for the restriction or timeline for the release of funds. I am requesting that PayPal conduct a manual review of the account limitation, provide a clear explanation for the restriction, and release the funds that are currently being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I dispute Veros Credit XXXX XX/XX/XXXX response in its entirety. The response contains false statements contradicted by a denial letter XXXX mailed me XXXX hours later on XX/XX/XXXX. XXXX critical developments since the original complaint : XXXX, Veros admitted in writing that it uses automatic telephone dialing systems. The denial letter states I " consented to the use of automatic telephone dialing systems in the transactional documents. '' This confirms XXXX use - Veros XXXX only defense is contractual consent, which may be void because the underlying contract is void under California XXXX Code XXXX ( XXXX undisclosed GPS devices, one disclosed ). Second, Veros has never explained the 176.4 % payment extraction - {$44000.00} paid on a {$24000.00} vehicle with principal barely decreasing. XXXX separate opportunities to respond ( XXXX CFPB responses, XXXX denial letter ). Only answer : " incorporates prior responses. '' No line-by-line accounting. No explanation. Third, Veros issued a retaliatory charge-off on XX/XX/XXXX - exactly 15 days after my SEC XXXX XXXX XXXX after collecting payments for XXXX years. This has never been addressed in any Veros communication. Additionally, Veros reported a ransomware data breach to the TX Attorney General on XX/XX/XXXX. I was an active borrower and was never notified. Full dispute with XXXX admission analysis, payment extraction data, contradiction table, and requested CFPB action attached as PDF. Denial letter and postmarked envelope also attached. SEC XXXX XXXX # XXXX & TCR # XXXX. XXXX regulatory complaints active across federal and state agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: PA

Complaint narrative:
Someone from KeyBank reported me to XXXX XXXX and XXXX XXXX without my knowledge or consent I was a victim of a scammer pretending to be XXXX XXXX XXXX and I have a learning and XXXX XXXX they violated my rights as consumers because of them I have XXXX and might have a XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
I had a XXXX XXXX Account ( XXXX ) with Optum Bank that was opened with a former employer prior to XXXX. The account had been dormant for several years. I recently received a notification that the account had a negative balance of approximately {$3.00} due to ongoing monthly maintenance fees. I was not aware that the account was being depleted by maintenance fees over time and did not receive clear notice that the balance was approaching XXXX or that fees would continue once the account was effectively empty or dormant. When I received the negative balance notification, I immediately contacted the bank and closed the account. I am requesting a full review of the account history and reimbursement of maintenance fees that depleted the account balance, as well as confirmation that the negative balance has been waived. I would also like copies of the fee schedule and notices that were allegedly sent regarding these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Review my credit I have no idea what this debt is states opened XX/XX/year>

Company response to consumer: Closed with explanation