vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, we accepted a {$150.00} deposit via Zelle for a short-term room rental. The deposit terms were provided to the guest in writing and stated that the deposit was refundable only with at least seven ( 7 ) days notice prior to check-in and if the room was returned clean. 

The guest was scheduled to check in on XX/XX/year>. On the morning of check-in, the guest canceled, stating that work travel plans had changed. This cancellation did not meet the written 7-day notice requirement. 

As a professional courtesy and in good faith, despite not being obligated to do so, we voluntarily refunded {$75.00} of the {$150.00} deposit because the room was not used. 

After receiving the partial refund, the guest initiated a dispute through Zelle. On XX/XX/year>, Zelle debited the remaining {$150.00} from our account, resulting in a full reversal of the original deposit, despite our written terms and partial refund already having been issued. 

Additionally, Zelle suspended our Zelle access on XX/XX/year>, prior to the debit, which has disrupted our ability to conduct business. 

We contacted XXXX XXXX XXXX XXXX multiple times. We were informed that they could only submit an appeal to Zelle and that no further assistance or review of our documentation was available. 

We believe the transaction was improperly reversed, that our documentation was not meaningfully reviewed, and that the suspension of our Zelle access was unjustified. We are requesting a full review of the dispute, restoration of the {$150.00}, and reinstatement of our Zelle access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In addition to the above, I also contacted Citi customer service by phone seeking assistance. The supervisor I spoke with, who identified herself as XXXX, was extremely rude and dismissive. She refused to provide help, would not escalate the issue, and spoke to me in a disrespectful manner while I was attempting to resolve a time-sensitive insurance matter. 
Citi has provided no assistance whatsoever in resolving this issue, despite this being a newly opened account and despite the rental having been charged to the card prior to it being locked. The level of service and refusal to assist has been unacceptable.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, a national bank allowed an unauthorized third party to gain control over a consumer checking account through identity theft and impersonation. The third party was never an account holder, authorized signer, or lawful agent on the account. 

Without authorization from the consumer or the lawful agent already on file, the bank changed core account contact and authentication information including mailing address, phone number, and email to information controlled by the impersonator. As a result, the consumer and lawful agent lost access to and control over the account. 

After the unauthorized changes were disputed, the bank partially reversed the takeover by restoring the lawful agent and correcting only the mailing address. However, other authentication channels, including phone number and email, were not fully corrected. This left the account in a compromised state, with the consumer unable to verify whether the impersonator continued to receive account notifications or influence account activity. 

Rather than treating the matter as identity theft or unauthorized access, the bank restricted the account and continued to characterize the situation as involving conflicting authority, despite having notice that the third party had no authority and had affirmatively disclaimed any authority related to the account. 

A police report documents the identity theft and impersonation. Despite notice of the unauthorized access and supporting documentation, the bank has not confirmed full removal of the impersonator from all account systems, has not fully restored correct authentication information, and continues to restrict the account. As of the date of this complaint, the consumer still can not verify that all unauthorized access points and notifications have been fully removed. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year>, a merchant payment portal initiated a debit of {$420.00} from my checking account before any payment amount was selected or authorized. The debit exceeded the lawful amount owed at that time. 
The funds withdrawn originated from a federally administered benefit account used to receive disability-related income. The merchants own resident ledger later reflected a credit balance, confirming the debit was an administrative overcollection rather than a valid charge. 
Beginning XX/XX/year>, I contacted the merchant repeatedly in writing to request correction and refund. I provided documentation, including the merchants own ledger, showing the overcollection. Despite multiple follow-ups over more than XXXX  days, the merchant has retained the funds and has not issued a refund or provided a clear explanation. 
As of today, the funds remain withheld, causing financial harm. This appears to be an unauthorized debit and failure to timely correct a banking error after notice. 
I am requesting that the financial institution and merchant be required to address the unauthorized debit, confirm corrective action, and ensure no further improper withdrawals occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: OR

Complaint narrative:
I am submitting this complaint to formally report unauthorized and fraudulent charges on my account and the failure of the involved financial service providers to safeguard my funds. 

On [ date yesterday ], XXXX separate transactions were processed without my knowledge or authorization through XXXX * XXXX, each for {$940.00}, totaling {$1800.00}. These transactions occurred at approximately XXXX AM and XXXX AM and were categorized as financial services transactions. 

I want to state clearly that I did not authorize, approve, or benefit from these transactions in any form. This activity is fraudulent and represents a serious breach of consumer trust and financial security. 

I immediately reported this issue and filed a dispute with the service provider. The Dispute ID for this case is XXXX XXXXXXXX, which must be referenced in all communications. Despite promptly reporting the matter, my funds have not been restored, and I have not received an adequate resolution. 

This situation has caused me significant financial loss, stress, and inconvenience. As a consumer, I expect proper fraud prevention measures, timely investigation, and full reimbursement for unauthorized charges. The lack of swift corrective action raises serious concerns regarding compliance with consumer protection obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Porsche Financial Services, Inc.
State: NY

Complaint narrative:
Subject : Improper Late Fees Due to Faulty Payment Portal and Missing Notifications Company : XXXX XXXX XXXX  What happened I am submitting this complaint because XXXX XXXX XXXX assessed late fees on my account due to failures in their newly updated online payment portal. These failures were outside my control and were caused by system issues on XXXX XXXX XXXX side. 
Specifically : The new payment portal removed or lost my default payment method without my knowledge or consent. 
The system did not send any notification confirming my scheduled payment or warning me that the scheduled payment had failed. 
No failure alert, email, or notice was sent prior to the due date or after the failed payment, leaving me unaware that anything was wrong. 
As a result of these system errors, XXXX XXXX XXXX charged me late fees for a payment I fully intended to make and had previously automated. 

I rely on scheduled payments and notifications to ensure timely payments. XXXX XXXX XXXX system changes created an unexpected disruption and directly caused the alleged late payment. 

Why this is unfair XXXX XXXX XXXX own system failures led to the loss of my default payment method and the lack of required notice about failed or upcoming scheduled payments. It is unreasonable and unfair for the company to impose late fees when I had no opportunity to correct the issue. 
This appears to be : A breakdown in technological reliability A failure to provide timely and adequate consumer notifications An improper assessment of fees resulting from system defects, not consumer negligence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 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: NY

Complaint narrative:
On XX/XX/year> I submitted a CFPB complaint XXXX with Chase on credit card charge dispute with XXXX XXXX XXXX On XX/XX/year> JPM claim the closes my case with explanation provided. However they didnt provide any response at all. 

I kindly as CFPB to reach out to Chase and request a response from them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a consumer disputing inaccurate and incomplete information currently appearing on my Experian credit report. The accounts and inquiries listed below are being challenged under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

Charged-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$6200.00} Inquiries 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

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 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I am very upset.! Money lion customer service is ridiculous you cant speak to an English speaking agent. Unless you submit a complaint I was told during XXXX XXXX  I could not use instacash. And once it was dismissed or discharged I would be able to use it again they asked for proof I sent proof of dismissal and its still not turned on not even that but after I sent them the proof my insta caah said XXXX now it says XXXX I contacted money lion over a week ago still no Help or response

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit karma froze my acct for no reason and is holding my advance hostage I showed identification twice ID and face scan n verified name birthday n last 4 of as n they froze unfroze then froze ii again for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Fraud! & incorrect reporting!

I am a victim of identity theft and am formally disputing the account from TD BANK listed on my XXXX  report. I did not authorize or initiate this account. Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies must block information identified as resulting from identity theft within four business days of receipt. I have attached my official Identity Theft Report and proof of identity. I demand the immediate removal of this fraudulent information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The collection amount is inaccurate and unfair. 
My security deposit was already applied when I moved out of the apartment. I vacated the unit due to ongoing humidity/moisture issues that affected habitability. Despite this, the landlord charged an additional {$470.00} and sent the balance to collections. I have documentation showing the security deposit, proof of move-out, and evidence of the habitability issues. The remaining balance does not accurately reflect what is owed. I am requesting correction of the balance and deletion of the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Someone hacked my bank account with Sofi. Two transactions were made. Wire transfers to banks i never did. One to XXXX XXXX XXXX XXXX in North Carolina and one to XXXX XXXX  in Tennessee. Sofi provided that information but nothing else to me. I called XX/XX/XXXX the day the transactions happened to advise Sofi I didn't make those transactions. So {$26000.00} stolen from my account and Sofi reimbursed me {$6200.00} of that but is telling me I made the transactions and they're not paying me the {$20000.00} they still owe me. They're insured for this. Sofi has provided me no information. I have an Attorney now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Although a new account was added to payoff the total loan balance of {$25000.00} on XX/XX/year>, those funds were deducted from the checking account that was set up for the monthly installment payments up to that point. 
XXXX XXXX XXXX, whom I have my checking account with, for some reason cleared the payment resulting in an overdraft of over {$21000.00}. 
Neither institution was willing to cancel the transaction and apply the funds from the correct account. 
I had a friend wire me the funds to cover the amount before a huge cascade of overdrafts, but having absolutely no recourse after spending hours ( no exaggeration ) on hold with both institutions seemed like nothing short of insanity. Someone without the benefit of a friend to bail them out would have gone into such a financial spiral, I can't even imagine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> amount {$4400.00}. 
I opened a claim at the Chase branch where they helped me fill out the forms. Now the bank is saying there is no way I they can refund an ACH transaction even though it was taken with an account under someone elses name for the company XXXX. Both companies are saying that yes it was not my name but since the transaction was made they keep referring me to ask the other company for the refund and neither one will help me. XXXX customer service advice me to call Chase and have both on the line so they can help me get it resolved but Chase will not allow me to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: NV

Complaint narrative:
Company : Global Lending Services ( GLS ) Product : Auto Loan State : Maryland Complaint Narrative : I am experiencing ongoing issues with Global Lending Services regarding my auto loan while facing a documented financial hardship.

Despite repeated good-faith attempts to resolve my past-due balance, GLS has refused to offer meaningful hardship assistance other than a skip-a-payment option. Different representatives have provided conflicting and inconsistent information regarding skip-a-pay terms and timelines, making it impossible to make an informed decision. A prior skip-a-payment caused my account to fall further behind, so this option is not workable.

Additionally, I discovered that an additional payment was added to my account in XX/XX/2025. I was never notified of this in writing, nor was it disclosed during my multiple phone calls while checking my account. I only became aware of this after logging into my online portal. I am requesting a written explanation of when and why this payment was added.

I have also experienced harassing collection practices, including repeated phone calls and contacting my friends and family to reach me. I explicitly instructed XXXX  to stop contacting third parties, but a representative named XXXX previously called my friend and again asked me today whether I could borrow money from friends or family. I told her no and instructed her not to call anyone else. XXXX also stated that a supervisor was not available and that I would receive a call tomorrow. This call is documented here for the record. 

I am requesting that my account be handled in full compliance with my consumer rights under federal law and Maryland law, including proper notice and right-to-cure protections.

Requested resolutions : Immediate review by a supervisor or manager with authority to approve hardship-based payment arrangements Consideration of a structured payment plan other than skip-a-pay A written explanation of the additional payment added in XX/XX/2025 Written clarification of my current account status, including whether a Notice of Intent to Repossess has been issued Cessation of third-party contact and reduction of excessive phone calls I am making a good-faith effort to resolve this matter and bring my account current. I have also been in contact and have stayed in contact for months with this company in regard to my auto loan and financial situation. I also have an email from before when this matter first came up and I spoke with a supervisor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The company is reporting my account as a charge-off without proper verification. I disputed the account directly with the company and requested documentation to support the negative reporting. The company did not provide the requested information and continues to report the charge-off.

This information is inaccurate and unverified, and it remains on my credit report despite my dispute. I am requesting that the company either provide documentation supporting the charge-off or remove the inaccurate reporting from all credit reporting agencies

Company response to consumer: Closed with explanation