vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2025 I Was At Work In XXXXXXXX XXXX, At XXXX I Saw My Phone Dinging With Alerts, When I Finally Picked My Phone Up I Saw My Chime Account Alerting Me ( 6 Unauthorized XXXX ATM Cash Withdrawals Happening, I Quickly Dialed Chime While It Was Happening & Explained To The Representative What Was Happening & That I Had My Actual Debit Card With Me At Work, And That Wasnt Me Taking Money Out At No XXXX ATM, The Representative Started Disputing These Unauthorized XXXX ATM CASH Withdrawal Transactions. And Representative Cut My Card Off Quickly & Let Me Know She Was Sending A New Card In The Mail. But Someone Stole {$1000.00} Out Of My Account. From Start Time XXXX ( {$200.00} ) XXXX ( {$200.00} ), XXXX ( {$200.00} ), XXXX ( {$200.00} ), XXXX ( {$200.00} ), XXXX ( {$80.00} ) On XX/XX/2025 Chime Opened 6 Disputes And Stated While They Were Investigating I Could Send In Any Proof Like A Time Sheet Showing Proof That I Was At Work On That Specific Date & Not At A XXXX ATM, I Sent That Proof Of Time Sheet To Chime Quickly Through The Chime Link They Send To Attach, & I Explained To Them I Work In XXXX XXXX  & Was No Where Near XXXX At A ATM Making Any Withdrawal Of My Money Of {$1000.00}, Since XX/XX/XXXX Of Chime Opening Up My XXXX Disputes, They Claim Over Phone While Investigating Disputes I Would Recieve A Credit Of My Stolen XXXX Before XXXX Day Comes Of Investigation, But The 15 Day Cant Accumulate For A Credit To Me Of {$1000.00} Because Chime Investigators Quickly Deny, They Dont Investigate Long, First Denial Came On XX/XX/2025 ( I Opened Disputes Up On XX/XX/XXXX, So How Are They Investigating That Fast ), So I Quickly Call & Reopen Them Back Up Though On XX/XX/2025 & They Quickly Denied Again On XXXX XXXX, So Everytime They Quickly Deny My Disputes I Have Been With A Ongoing Repeat Process With Chime Since XXXX XXXX Up Until I Just Reopened All 6 Of My Denied Disputes Again On XX/XX/XXXX. Im Fighting For My Money To Be Given Back To Me, That Someone Stole & Chime Is Not Trying To Be Supportive And In Any Help To Believe This Was Not Me Stealing From Myself. I Gave Chime Proof Of My Time Sheet Showing I Was At Work In XXXXXXXX XXXX The Day Of This Incident & I Gave Chime Proof Of My Filing Of Police Report, Chime Is Not Helping Me With My XXXX That Was Stolen From Me And Chime Is Not Really Sending Me Any Proof Of Understanding Of What Real Conclusion Do They See To Keep Denying Me, When I Was Not At A XXXX ATM Doing UnAuthorized Cash Withdrawals & I Have Given Them All The Proof Of Me Being At Work With My Debit Card And Phone With Me On XXXX XXXX, But Chime Keeps Denying My Disputes And Will Not Credit Me My {$1000.00} Someone Stole From My Account. Please I Need Help To Get Back What Was Stolen From Me, Please, Thank You So Much

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: DISCOVER BANK
State: PA

Complaint narrative:
Hello, I am reaching out to dispute purchases made on my credit card. My card was stolen back in late XXXX, and I just got ahold of it again XXXX weeks ago. I disputed a large purchase made on my account and both my credit card company ( Discover ) and the merchant said they are unable to do anything. I asked on multiple occasions to look into the issue, but I received little help. I am looking to dispute all charges on my account from XX/XX/XXXX to early XXXX, as my card was stolen. Thank you for your assistance and have a great day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am a long time Chase customer with XXXX person & XXXX business cards as well as my home mortgage with Chase. A few months ago my Chase Freedom was force product changed to a Chase Freedom Unlimited which I did NOT want. I called to complain and request that it not be changed, but I was told that I had no choice. I stopped using the card and called back a few months later to close the account. When asked why I was closing it I explained the forced product change and the loss of the 5 % cash back categories. I was offered a product change back to the Chase Freedom with 5 % categories, which I accepted. I was told it would take XXXX days. After no change I send a secure message, but was told I had to call. When I called I was told it was in process and would take XXXX days. It has been over a month and it is still not changed. I would either like my Chase Freedom Unlimited switched to a Chase Freedom or Chase Freedom XXXX with the 5 % categories or the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I WOULD LIKE ANY CHECS DEPOSIT LAST XXXX YEARS UNDER MY NAME BE REVIEW. 

Social Security numbers:XXXX Please check :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are XXXX None are authorised act as guardian over my any checks. These are all names originating from XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX I just all names checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: OH

Complaint narrative:
LVNV Funding LLC is continuing to report multiple collection accounts on my credit report even though I have disputed them several times. These accounts contain inaccurate and conflicting information and have never been properly validated. 

Collector : LVNV Funding LLC Original Creditors Reported : XXXX XXXX XXXX  / XXXX  ( XXXX  ) Partial Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX Problems With These Accounts The same debts are reported with different balances, delinquency dates, and account statuses across credit bureaus.

LVNV Funding appears to be reporting the same debts more than once, creating duplicate or misleading entries.

Even though the accounts show as disputed or resolved, I have not been provided proof that a real investigation was conducted.

I never received the required written notice explaining the debt or my right to dispute it before the accounts were reported.

LVNV Funding has not provided proof that it owns these debts or that the balances are accurate, yet it continues reporting them. 

The inconsistent reporting misrepresents the amount and status of the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting this complaint regarding Goldman Sachs Bank USAs handling of my Apple Card credit limit, which I believe constitutes an unfair and harmful credit practice.

Goldman Sachs previously reduced my Apple Card credit limit from approximately {$4000.00} to {$500.00} following a temporary and short-term dip in my credit score. This reduction occurred despite my account being in good standing, with no missed payments, delinquencies, or misuse of credit.

A credit limit reduction of this magnitude significantly increases credit utilization, which is a major factor in credit scoring. As a result, the banks action itself caused additional negative impact to my credit profile and materially reduced the usability of the card. At a {$500.00} limit, using the card responsibly without risking high utilization is impractical.

After my credit score recovered from the temporary dip, I requested a credit limit increase. Goldman Sachs denied my request and stated the reason as : You recently received a credit limit decrease on Apple Card.

This creates a circular and punitive outcome where : The bank lowers my credit limit due to a temporary issue that no longer exists The reduction causes ongoing credit harm The bank then refuses to restore or increase the limit because it previously lowered it At no point has Goldman Sachs evaluated my request based on my current creditworthiness. Instead, the bank is relying solely on its own prior adverse action to deny relief.

This practice unfairly penalizes consumers, inflates utilization ratios, limits access to credit, and can trigger further negative actions from other lenders. It effectively traps consumers in a prolonged state of reduced credit through no fault of their own.

Consumer Harm Artificially increased credit utilization Ongoing negative impact to my credit score Loss of meaningful access to credit Increased risk of adverse actions by other creditors Apple Card rendered largely unusable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc.
State: WI

Complaint narrative:
FROZEN CARD-FUNDS STILL WITHDRAWN- FORMAL FRAUD DISPUTE- Card was frozen on XX/XX/year>. 
Unauthorized withdrawals : XXXX XXXX {$100.00}, {$25.00}, {$47.00}, {$25.00} initial fraudulent charges After freeze- XXXX XXXX {$40.00} but they stopped that ACH, then again on XX/XX/XXXX {$35.00} ACH. 
XXXX case number- XXXX I have called and spoke to people on XX/XX/XXXX to immediately report the fraudulent action, printed and mailed in the requested fraudulent form. Was sent a card I did not activate, then more charges happened. I called again on the XXXX and they were going to escalate it. Charged happened again, so I called them on the XXXX twice ; they were supposed to escalate it then followed up on XX/XX/XXXX with still no resolution to the fraudulent charges or my money back. 

I need this issue resolved, my account safe and money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was charged an {$89.00} transaction fee for using a check that I reasonably believed was associated with my newly opened U.S. Bank checking account. 

I did not request, enroll in, or authorize any credit card check program. Shortly after opening my checking account, U.S. Bank mailed me checks, and there was no clear or prominent disclosure that these checks were tied to my credit card rather than my checking account. I used one check in good faith, believing it was a standard checking account check. 

Only after the transaction posted did I discover that U.S. Bank treated it as a credit card convenience check and assessed a large transaction fee. 

What has U.S. Bank done so far? 

On Saturday [ XX/XX/XXXX ], I contacted U.S. Bank customer service through the in-app assistant. The representative explicitly confirmed that the {$89.00} fee would be waived and told me the credit would appear by Wednesday. 

As of today, no credit has posted, and I have received no follow-up or written confirmation. The bank has failed to honor the promise made by its own representative. 

Why this is a problem I never consented to or activated credit card checks The checks were sent unsolicited and were easily confused with checking account checks The fee was assessed despite a clear misunderstanding created by the bank U.S. Bank promised a waiver and failed to deliver This constitutes misleading practices and failure to honor a confirmed fee waiver. 
What resolution am I requesting?

I am requesting that U.S. Bank : 1. Immediately reverse the {$89.00} transaction fee 2. Provide written confirmation that the fee has been permanently waived 3. Ensure no similar charges occur without explicit authorization Additional information Date of transaction : XX/XX/year> Fee amount : {$89.00} Last four digits of card : XXXX I am attaching a screenshot showing the charge.

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 monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Formal Dispute and Notice of Regulatory Escalation Under the Fair Credit Reporting Act } To Whom It May Concern, This letter constitutes a formal dispute of inaccurate, unverified, and unlawfully reported information currently appearing on my credit report maintained by your agency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure maximum possible accuracy and to report information only when furnished and maintained with a valid permissible purpose. You are also required to conduct a reasonable investigation when the accuracy or legality of reported information is disputed. 

At present, your agency is reporting negative accounts, collections, and/or inquiries for which no proof of permissible purpose, written authorization, or verified accuracy has been provided to me. Recent enforcement actions by the Consumer Financial Protection Bureau have reinforced that failure to properly verify information or reliance on automated responses does not satisfy FCRA compliance obligations. 

Accordingly, I am demanding the immediate deletion of any account, collection, or inquiry that can not be verified with original documentation, including proof of permissible purpose and furnisher certification. 

This letter is not consent for continued reporting during reinvestigation. Any item that can not be fully verified must be deleted promptly. 

Failure to resolve this matter will result in escalation of this dispute to the Consumer Financial Protection Bureau, the XXXX XXXX XXXX XXXX Attorney General, and pursuit of all remedies available under federal law. 

Please provide written confirmation once the deletions have been completed and an updated copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/1991 XXXX [ Report Number, if applicable ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank placed a hold on a check I deposited and later closed my account. 
I provided proof that the check was valid, including a phone number to verify that the check was returned by XXXX due to a case rejection, not fraud. 
Chase refused to remove the hold or release my funds and closed my account without resolving the issue.

I am requesting release of my funds and written explanation for the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit Acceptance is furnishing inaccurate and unsupported credit reporting regarding an auto loan reported as repossession. My credit reports list this account as repossession with a reported balance of {$7500.00}, a date of first delinquency of XX/XX/XXXX, and a last payment date of XX/XX/XXXX. After repossession, the reported balance continues to increase over time without any itemized explanation or accounting to support the increases. For example, the balance is shown increasing through XXXX, including {$6800.00} in XX/XX/XXXX and {$7500.00} by XX/XX/XXXX. 

I dispute the accuracy and completeness of the amount being reported as owed after repossession and the calculation of any alleged deficiency balance. I am requesting that Credit Acceptance provide documentation supporting the reporting, including a complete post repossession accounting showing the sale date, sale proceeds, application of proceeds, and any fees or interest added, and the basis for any balance increases after repossession. I am requesting deletion of this tradeline from my credit reports across XXXX XXXX XXXX XXXX because the reporting is not accurate or verifiable as furnished. If Credit Acceptance contends the reporting is accurate, it must substantiate it with documentation and update all bureaus accordingly.

Credit Acceptance, as a furnisher of information, has duties under the Fair Credit Reporting Act to furnish accurate information and correct inaccurate information, including 15 USC 1681s 2 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: AR

Complaint narrative:
I am disputing multiple unauthorized debit card transactions totaling approximately {$2000.00}. These charges occurred back-to-back on XXXX and were made in North Carolina, while I was physically located in Arkansas. I did not authorize, make, or benefit from these transactions, and my debit card was never lost or shared. 
I reported the transactions to Chime immediately and filed a dispute. After an internal investigation, Chime denied my dispute without providing sufficient explanation or evidence that the transactions were authorized by me. 
I have since filed a police report for unauthorized transactions/identity theft and plan on requesting that Chime reinvestigate this matter under Regulation E. I am seeking reimbursement for the unauthorized charges and appropriate corrective action, as these transactions were fraudulent and outside my control.

Company response to consumer: Closed with explanation