vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 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: NJ

Complaint narrative:
XX/XX/year> booked XXXX vacation to XXXX, flight and three hotels through Amex travel via a live agent. Chose the hotels from the XXXX XXXX  and XXXX XXXX choices so I may benefit from thr perks clearly advertised by Amex. Two night stay at one of these hotels, triggers a {$100.00} bonus to use on food, etc per room. Upon check in at XXXX XXXX in XXXX, a five star hotel, I was told that the perks wouldn't be allowed to me because one night was booked through XXXX and not through Amex. That was a lie. I had to fight and insist I didn't book anything through XXXX and that all my travel was done through Amex. The manager didn't believe me. I had to argue and show emails and prove that Amex was the booking agent. After hours of waiting for them to confirm, they were told by Amex that Amex did indeed book my stay. So they did honor the perk. Same thing happened in XXXX and hotel XXXX. Another luxury hotel. I was told I couldn't benefit from a room change because my room was booked through XXXX. Again I had to argue wit XXXX at the front desk and convince them, including XXXX the manager, that I did not use XXXX. Come to find out after my trip, that Amex uses the low priority horrible XXXX to book their rooms. A shock to us who pay {$900.00} a year to get all our perks and Amex had tactics in place to get those perks canceled. Amex failed to train or tell or share the information with the hotels that they do indeed book the rooms through XXXX. I guess they quote a price to us customers, then go on the hotel room cheap website and book the rooms themselves but charge us an upcharge for the " privilege '' of saying it was booked through Amex when IT WAS NOT. This info is hidden in small print, not shared with hotels and as Amex Rep XXXX told me yesterday that " Amex found no error '' with my complaint. I asked XXXX how hotel personnel are told or informed, XXXX told me that info comes out in depositions. It's a classic bait and switch. They market this promotion heavily to booke through Amex and receive the perks. They never want us to get thr perks. This issue of being told XXXX booked my trip and NOT Amex even tho I showed them proof via my emails and correspondence only to be told they couldn't help me change rooms to save {$400.00}. Amex has failed to live up to their promise about the perks. I've don't all that a customer can do to try to get an easy check in. Amex only wanted to get out of paying {$200.00} perks so they purposely make sure the reservations say booked by XXXX and not inform some of the finest hotels in the world so the employees know the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account with an impossible negative balance of - {$1100.00}. A collection account can not legally report a negative balance. 

Additionally, the account remarks state dispute resolved ; customer disagrees, yet no proper verification documentation has ever been provided to me as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

This inaccurate reporting is damaging my credit profile and violates federal credit reporting laws. I have disputed this account with XXXX XXXX and TransUnion. 

I am requesting immediate deletion of this account from all consumer reporting agencies due to inaccurate balance reporting and failure to properly verify the debt. 

Please provide written confirmation of deletion.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am submitting this complaint because Paypal has failed to resolve a Pay in 4 dispute and issue the promised refund even after I complied with all return requirements and the return was confirmed delivered.

This complaint follows my prior CFPB complaint XXXX, which Paypal closed on XX/XX/year> stating it had granted my claim with the return of the merchandise and that it would issue the refund once the returned merchandise was received. Paypal also stated it ceased collection efforts related to the Pay in 4 balance while the claim was being resolved.

Paypal required that I return all merchandise and provided the return address. I shipped the return via XXXX on XX/XX/year> ( tracking XXXX ). XXXX tracking shows the package was delivered and signed for on XX/XX/year>. I provided Paypal with carrier acceptance and tracking updates, including delivery confirmation, on XX/XX/year>. 

Despite confirmed delivery and Paypals prior representations ( including via email/phone ) that the refund would be processed upon return delivery, Paypal has not issued the refund, the dispute remains unresolved, and my Pay in 4 account status remains adversely affected due solely to Paypals delay. PayPal representatives have acknowledged that this issue does not fit neatly into their existing dispute categories ; however, PayPal nevertheless represented that the refund would be processed upon return delivery, which has now occurred. The merchants claim of non-receipt should not override verified proof of delivery from the carrier to the address Paypal provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, between approximately XXXXXXXX XXXX XXXX XXXX XXXX, I made a {$5000.00} cash payment at the Chase Bank branch in XXXX, California. The payment was made at the lower counter to a male bank teller and was intended to be applied to my Chase credit card account. 

On that same day, Chase closed all of my accounts ( checking and credit card ) without providing a reason. The {$5000.00} cash payment I made at the branch was never credited to my credit card account and has not been returned to me. 

Chases records do show that on XX/XX/year>, three payments in the amounts of {$2000.00}, {$2000.00}, and {$1000.00} were applied. However, those payments were made from my checking account and were not cash payments. The {$5000.00} cash payment made at the branch is separate and distinct from those electronic/checking transactions and remains unaccounted for. 

I no longer have the receipt, but Chase should have internal records of this transaction, including teller transaction logs, cash drawer and vault reconciliation records, and security camera footage from the XXXX branch. I contacted both the branch and Chase customer service. The branch stated they would investigate, and customer service told me I must return to the branch. To date, the funds have not been credited or refunded. 

Chase accepted {$5000.00} in cash from me and has failed to properly apply or return the funds. I am requesting that Chase immediately conduct a formal cash payment investigation using their internal records and either : Apply the {$5000.00} cash payment to my credit card balance, or Refund the {$5000.00} to me directly. 

I am requesting written confirmation of the investigation, findings, and final resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2026-01-24 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: NY

Complaint narrative:
I have been a Chase Bank customer since XXXX. The current issue involves two unauthorized transactions made from two of my accounts. The activity began on XX/XX/XXXX, when {$9.00} was withdrawn from one account. Then, on XX/XX/XXXX, {$12.00} was transferred from another account. On XX/XX/XXXX, there were XXXX unauthorized withdrawals from one account totaling {$6700.00}. In addition, XXXX unauthorized transfers were made from another account, totaling {$3000.00}. When I reported this issue, the bank initially promised to resolve it ; however, they later declined two of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX\nAll unauthorized charges/ transactions that were made without my permission because I haven't had control over my identity, emails or cash app until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In late 2025, I used PayPal Credit ( issued by Synchrony Bank ) to purchase a high-value item online. The charge posted to my PayPal Credit account shortly thereafter. 

The merchandise was never received by me. After allowing reasonable time for delivery, I contacted PayPal Credit and filed a billing dispute for non-receipt of merchandise. 

Synchrony Bank denied the dispute based solely on carrier tracking information indicating the item was delivered. No evidence was provided that the merchandise was delivered to me, such as a signature confirmation, delivery photo, or carrier documentation verifying delivery to my address.

I informed PayPal Credit that I did not receive the merchandise and that a delivery scan alone does not establish receipt. Despite this, the dispute was closed, the charge was reinstated, and interest was allowed to accrue on the account. 

I believe this dispute was improperly denied under the Fair Credit Billing Act and Regulation Z because the issuer relied exclusively on delivery confirmation without proof of actual receipt by the consumer. I am requesting that the charge be removed, the dispute properly re-investigated, and any related interest reversed. The seller was from XXXX and is no longer on the platform. He never responded to any of my messages and eBay and PayPal and synchrony bank keep giving me the runaround.

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 2026-01-24 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, XXXX unauthorized debit card transactions were made using my PayPal-issued debit card, resulting in a total loss of approximately {$2100.00} from my PayPal balance .

I did not authorize any of these transactions and did not have possession or control of my PayPal debit card at the time they occurred. Prior to discovering the loss, I noticed suspicious activity and failed transaction attempts related to my email account, indicating a possible account compromise. 

On XX/XX/year>, I regained access to my email account and immediately logged into my PayPal account, where I discovered that nearly all of my balance had been drained through these unauthorized transactions. 

On the same day, XX/XX/year>, I promptly reported the issue to PayPal, notified them that my PayPal-issued debit card had been compromised, and filed disputes for all unauthorized transactions. Despite reporting the fraud in a timely manner, PayPal denied my claims, stating that the transactions were not unauthorized.

PayPal has not provided any documentation or evidence supporting this determination and has failed to demonstrate that a proper investigation was conducted under Regulation E. I requested information regarding the investigation and supporting documentation, but no such information was provided. 

I believe PayPal did not conduct a reasonable investigation and wrongfully denied reimbursement for unauthorized electronic fund transfers, in violation of consumer protections under Regulation E. I am requesting regulatory review and reimbursement of the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> I received an email from Chime at XXXX ( est ) stating they would be closing my account effective XX/XX/year>. I got no other warning about this, however when I immediately went to my account to withdrawal my money on XX/XX/XXXX they had already closed my account and locked me out. I did this within minutes of receiving the email. They closed and locked me out a day earlier than they had stated. 
Multiple calls to customer service and even speaking with a manager, they refused to open it so I could get my money. Every customer service person told me they couldn't do anything about it. They then told me I would get my money in 30 days. (!!!!! ). This account had every dime I have and also had my direct deposit linked to it. I have bills to pay and children to take care of and within minutes they locked me out and are refusing to give me my money or correct the situation. It is not at all acceptable to take my money and refuse to give it back until 30 days later. At the very least they should overnight me a check. I do not believe they can not open the account as my information and my account is easily found in their call system. The supervisor was also able to access my account and tell me the balance in the account. 
All reports I have since found by other customers say they don't give it back for 2-3 months and that's with calling every single day demanding it. This is unacceptable and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C. System is reporting a collection account on my credit reports for an alleged debt that I do not recognize.

I have not been provided any documentation showing that I.C. System has the legal right to collect this debt or report it to consumer reporting agencies. Specifically, I have not received validation identifying the original creditor, the original amount owed, or proof of lawful assignment. 

Despite the lack of validation, I.C. System continues to furnish this account to the credit bureaus, causing ongoing harm to my credit profile. 

Reporting unverified or inaccurate information violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that I.C. System either provide full and proper validation of this alleged debt or immediately cease collection activity and remove the account from all credit reports.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I tried to add my debit card to my phones wallet and was advised to call Navy FCU. I spoke with an agent after verifying all of my information. What shouldve been an easy task for the agent to approve my request to add my debit card to my wallet, the representative advised me she had to send me a code via text. I recited the code back to her at which point she told me the system advised her not to help me. I asked them for the reason they were denying me access to my account after providing all of the necessary information including a code sent via text to my phone to which she could not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am submitting this complaint regarding a XXXX XXXX account that appeared on my consumer credit report today and does not belong to me. 

I did not open, authorize, or benefit from this account. 

My residence is XXXX XXXX, and I have never had gas service of any kind. XXXX XXXX is a natural gas provider. A gas utility account can not exist for my residence. The appearance of this account therefore does not correspond to my home, utility history, or service capability. 

This account just appeared on my credit report, and I am disputing it immediately upon discovery. I am requesting that XXXX XXXX provide proof showing that I applied for, authorized, or received gas service. At this time, no such proof has been provided, including no service agreement, no application, no meter information, and no service address tying this account to me. 

Method of Verification Request If XXXX XXXX or any credit reporting agency asserts that this account has been verified, I am requesting disclosure of the Method of Verification, including : The name, address, and telephone number of the party that verified the information The date the verification was performed Whether verification was conducted manually or through an automated system The specific records or documents reviewed to verify this account Verification without disclosure of the method of verification does not satisfy a reasonable investigation. 

XXXX XXXX XXXX  ( Prospective Notice ) Under XXXX XXXX XXXX XXXX XXXX XXXX as recognized in XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, when a party with a duty to speak fails to rebut a material assertion, that silence may be treated as an admission. 
If XXXX XXXX fails to rebut my assertion that this account is unauthorized and impossible for my residence by producing lawful proof of responsibility, continued reporting would be improper. 

Requested Resolution I am requesting that : XXXX. XXXX XXXX investigate and remove this account immediately 2. All credit bureaus be notified that this account does not belong to me 3. Written confirmation be provided that the account has been deleted or corrected This complaint is submitted in good faith and does not constitute acknowledgment of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Turnbull Law Group
State: CT

Complaint narrative:
Enrolled in a debt consolidation program for XXXX  months paying {$260.00} a month. I enrolled with a debit of {$7900.00}. And was charged nearly {$3000.00} in fees. I was getting sued by credit card companies which forced me to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
They calls me, email me, and text me i have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Subject : Formal Complaint against PNC Bank regarding unfulfilled promotional sign-up bonus ( {$400.00} ) Statement of Facts : I am filing this complaint against PNC Bank for its failure to honor a {$400.00} sign-up bonus despite my full compliance with the offer 's terms and conditions. 

1. Promotion Details & Enrollment : On XX/XX/year>, I opened a new Virtual Wallet checking account with PNC Bank under a promotion that offered a {$400.00} bonus for completing qualifying direct deposits totaling {$5000.00} or more within 60 days of account opening. 

2. Fulfillment of Requirements : On XX/XX/year>, I successfully completed a direct deposit exceeding the {$5000.00} threshold. This transaction was well within the promotional window and met the definition of " Direct Deposit '' as stipulated in the agreement provided to me at the time of account opening. 

3. Dispute and Banks Response : When the bonus failed to post, I contacted PNC customer service. I was informed that my account was " ineligible, '' but the bank failed to provide a valid reason based on the terms effective during my enrollment. Furthermore, PNC appears to be applying a revised definition of " Direct Deposit '' or updated eligibility criteria that, by the bank 's own admission in recent notices, did not take effect until XX/XX/year>. 

4. Account Closure : Due to the banks refusal to honor their contract and the resulting lack of trust, I closed the account on XX/XX/year>. However, closing the account does not absolve PNC of its obligation to pay for a bonus earned while the account was active and compliant. 

The Issue : PNC Bank is retroactively applying new policy definitions ( effective XX/XX/XXXX ) to a transaction completed in XXXX. This is a deceptive trade practice and a breach of the promotional agreement.

Company response to consumer: Closed with monetary relief