vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: MD

Complaint narrative:
I am filing a formal complaint against Chime regarding a {$690.00} hotel charge. 
I stayed at a hotel in XXXXXXXX XXXX, and the room was uninhabitable due to multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I submitted photos as evidence. 
The merchant falsely claimed I was upgraded and that the room was remediated. Text messages clarify that these claims are false. 

What I tried to do to remedy the situation : I filed a dispute with Chime twice, requesting it be categorized as services not rendered as described. Both times, Chime misclassified it as non-receipt of goods or services, ignoring my submitted evidence. 
Dates I sent complaints to Chime : XXXX XX/XX/year> and XXXX XX/XX/year> The merchants submission states : XXXX booked, checked in, and received lodging and package services, including XXXX XXXX XXXX XXXX XXXX. XXXX guest rooms ( XXXX XXXX and XXXX XXXX ) were prepared, occupied, and held exclusively for the cardholder. When concerns were raised, merchant immediately offered remediation including room XXXX XXXX XXXX XXXX XXXX XXXX to a second XXXX XXXX XXXX voluntarily departed around XXXX XXXX before remediation was completed. A no-refund-after-check-in policy was clearly posted and applies. This is a XXXX  Reason Code XXXX consumer dissatisfaction claim after services were rendered. Supporting documentation attached. 

This is false. I did not receive an upgrade and clarified that in my messages with the XXXX. I did not voluntarily leave for reasons unrelated to safety, I left because the room was unsanitary. All other rooms were fully booked, so the merchant could not have moved me to another room for remediation ( after already switching from the first room due to the XXXX XXXX ). Photos and text messages prove the merchant lied about remediation and upgrades.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing this complaint against PayPal regarding a {$100.00} transaction that occurred on XX/XX/year> ( Transaction ID : XXXX ). This transaction was the result of a social-engineering scam involving a minor and was induced through deception, meaning it was not authorized in a legitimate manner. 
Both my funding bank and XXXX XXXX ( XXXX ) correctly identified this transaction as fraudulent and subsequently declined/blocked the charge. However, PayPal chose to advance the funds despite the issuing banks refusal to authorize the payment. PayPal is now unfairly holding me responsible for a negative balance resulting from their own decision to override the bank 's security block. 
I have filed XXXX separate disputes with PayPal regarding this matter. On XX/XX/year>, PayPal denied my case ( XXXX XXXX using generic language, stating their records show the item or service was delivered. 
PayPals decision to advance funds after a transaction was declined by the bank should not create liability on my account. 

I respectfully request CFPB assistance to ensure this matter is reviewed fairly and resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
On XX/XX/year>, I reported 2 fraudulent charges on my XXXX  XXXX XXXX. They gave me a run around on filling out a form and could take 45 days to 9 months for my dispute to be resolved. This was the last of my funds and is extremely needed. I've had 2 other fraudulent transactions previously and they were settled immediately. Once they locked my card without notice because they said they noticed fraudulent activities. Their platform seems to have excessive amounts of fraudulent issues happening and expect customers to keep paying a {$9.00} express shipping fee to get a new card quickly or pay nothing and wait 10 days for a new card. This is unacceptable when their services are your means to receive your funds. No empathy or accountability from these people what so ever.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
XXXXI asked for one main financial for XXXX  release 2 1/2 months ago I have it on recording that they would do XXXX  release if I paid XXXX it is now going on the third month with no lien release on the vehicle I advise him. I was selling the vehicle because its not drivable and they assured me the lien release would be released after I paid the XXXX  which I did satisfied. I do have copies of that. I also have on recordings they assuring the title release has been complete completed when I check New York DMV records the title is still being held up by the lien'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
Lendbuzz Funding LLC repossessed my vehicle and sent me a written Notice of Plan to Dispose stating the vehicle would be disposed of after XX/XX/year>. However, the vehicle was sold on XX/XX/year>, before the deadline stated in the notice. This deprived me of my legal right to redeem the vehicle within the notice period. I was required to pay substantial reinstatement and related fees to recover my vehicle. I believe this sale violated UCC notice requirements and Florida repossession law. I am requesting reimbursement of improper fees and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I received an email stating that my escrow analysis was ready. When I logged in, it was showing an amount much lower than the amount I'm currently paying and stated that my payment would increase to an amount that is actually lower than my current payment. They repeatedly stated that my payment was increasing, but my account shows that my current payment is much higher than what they were calculating the shortage from. I then requested to be escalated to a supervisor, at which time I was told I was " making assumptions '' about my escrow account, at which time I stated I was not assuming anything and I'm looking at my account and it's wrong. The representative then told me if I did not speak to her in a " casual manner '' that she would disconnect the call. Either I accept what she is saying or she will hang up. At no time did a single person acknowledge that the amounts they were reporting were incorrect or that they were actually lowering my payment based on their escrow analysis. My current payment as of XX/XX/year> is {$760.00}, which {$320.00} going to my escrow account. Their analysis stated that my monthly payment would be increased to {$790.00}, with {$350.00} going to my escrow. So they are lowing my escrow but increasing my payment, on a fixed rate mortgage. At no time during my call were they able to correct or acknowledge the analysis was wrong and did not resolve the issue.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Check number XXXX for {$650.00} to pay my account off in full and sent from my XXXX XXXX XXXX  account to be received by XXXX XX/XX/XXXX  when the due date was on XXXX XX/XX/. AMEX held the payment until XXXX XXXX and charged a {$39.00} late fee and will also charge interest on that amount. There are multiple companies that have been doing this the past few months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: GA

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 XXXX my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file XXXX is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit 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: VA

Complaint narrative:
I am filing this formal complaint against Synchrony Bank ( PayPal Credit ) for their failure to honor a merchant-approved return XXXX  their refusal XXXX  process a valid appeal under the XXXX XXXX XXXX window. 

On XX/XX/year>, I purchased an electric scooter for {$500.00}. The product became defective on XX/XX/year> ( within the XXXX warranty ). After a month of troubleshooting with the merchant ( XXXX XXXX ), a XXXX XXXX agent named XXXX XXXX formally XXXX  explicitly approved my return XXXX  refund on XX/XX/year>, at XXXX am. 

However, an hour later at XXXX am, another XXXX agent XXXX XXXX XXXX XXXX stated that their platform had a 'system limitation ' that prevented the return label from generating. Despite this documented merchant admission of fault XXXX  written agreement to refund, XXXX XXXX XXXX dispute on the same day, citing that the XXXX window had closed. 

I am holding Synchrony Bank liable under the Fair Credit Billing Act ( XXXX ) XXXX XXXX XXXX ( c ), 'Claims XXXX Defenses. ' This provision allows a cardholder to assert against the card issuer all claims arising out of a transaction when a merchant fails to resolve a dispute satisfactorily. Furthermore, XXXX own policy allows for XXXX Not as XXXX ' disputes for XXXX  days from the payment date. 

I request that Synchrony Bank manually override the automated denial XXXX  honor the merchant 's written agreement XXXX  refund the {$500.00}.

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 2026-02-17 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: CA

Complaint narrative:
I am writing XXXX  formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded XXXX  me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name XXXX  address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, XXXX  any other charges, A complete payment history, XXXX  Proof that I am legally obligated XXXX  pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required XXXX  suspend all collection activity XXXX  refrain from reporting this account XXXX  any credit reporting agencies, as mandated by law. This request is made XXXX  ensure that the information you are reporting is accurate, lawful, XXXX  not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant XXXX  XXXX XXXX XXXX ( b ) XXXX  XXXX XXXX XXXX, I am entitled XXXX  an accurate credit report. I request a review of these entries, XXXX  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 explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX  my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Between XX/XX/XXXX XXXX  XX/XX/XXXX, I made XXXX separate purchases on XXXX. Each transaction was a distinct promotion with its own " XXXX XXXX '' contract. The specific charges to my Capital One card remaining in dispute are : XXXX. XX/XX/XXXX : {$10.00} XXXX. XX/XX/XXXX : {$12.00} XXXX. XX/XX/XXXX : {$310.00} XXXX. XX/XX/XXXX : {$31.00} XXXX in dispute : {$370.00}. ( Note : Capital One previously issued a credit for a XXXX related charge of {$3.00}, acknowledging the issue, but refuses XXXX  address the remaining balance ). 
Under the merchants Terms of Sale, I was contractually required XXXX  wait a mandatory period ( XXXX  days for shipping XXXX  XXXX  days for rebate processing ) before the service ( the rebate payment ) was due. This means the " Expected Date of Service '' for these transactions did not occur until late XXXX or early XX/XX/XXXX. 
The merchant failed XXXX  fulfill these contracts XXXX  has not issued any promised rebates. I have attempted XXXX  resolve this directly with the merchant ( XXXX XXXX # XXXX ) XXXX  sent formal demands XXXX  their XXXX team, but they have remained completely unresponsive. 
I contacted Capital One on XX/XX/XXXX. A supervisor refused XXXX  open the case, citing that the transactions were " too old '' XXXX  incorrectly claiming I had no dispute rights because the charges were authorized. 
I am asserting my rights under XXXX Reason Codes XXXX ( Cardholder Dispute ) XXXX  XXXX ( Goods or Services Not Provided ). XXXX rules state the XXXX dispute window begins on the " Latest Anticipated Date of XXXX, '' not the transaction date. Because of the merchant 's mandatory XXXX delay, I am within the allowable timeframe for a dispute under Mastercards XXXX longstop date for deferred services. Capital One is failing XXXX  protect me from documented merchant fraud by misapplying these rules XXXX  acting inconsistently with their own prior credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I am writing to formally dispute the following account listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX I have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history XXXX this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. 
Please send me written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I reported approximately XXXX unauthorized XXXX XXXX  transfers totaling {$500.00} from my Chime checking account. These transfers occurred over a XXXX hour period XXXX  were all sent XXXX  the same unknown recipient. I have never used XXXX  XXXX  prior XXXX  this incident, did not authorize any of the transfers, XXXX  did not benefit from them. 

I submitted a dispute XXXX  Chime ( Claim ID XXXX ), XXXX  they denied my claim, stating no error occurred, without providing documentation or evidence that I authorized these transfers. 

I also requested all documentation used XXXX  deny my claim, including device logs, IP addresses, login timestamps, XXXX  any records indicating I authorized the transfers, but Chime did not provide this information. 

I am requesting reconsideration of my claim, disclosure of investigative documentation, XXXX  compliance with Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
My bank denied my fraud claim without sufficient proof that I authorized the debit XXXX  XXXX XXXX transfers. I am requesting reimbursement under Regulation XXXX. 

On XX/XX/XXXX {$250.00} was stolen out of my account XXXX  I reported it XXXX  my bank XXXX  my bank denied it. 

On XX/XX/XXXX {$660.00} was stolen from my account XXXX  I reported it XXXX  my bank explaining the previous amount that was stolen from my account on XX/XX/XXXX XXXX  I gave them evidence from my XXXX account that XXXX picked up on it XXXX  reported it because it was a red flag to them XXXX  my bank still denied the claim leaving me out of {$910.00} XXXX  I would like my money back please.

Company response to consumer: Closed with explanation