vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: IL

Complaint narrative:
XXXX XX/XX/year>, I filed a dispute with PayPal ( Case # XXXX ) regarding a purchase I made through XXXX using PayPal Credit in the amount of {$420.00}. The seller provided a XXXX tracking number ( XXXX ) that showed the item as delivered. However, the proof of delivery photo clearly does not show my residence. I contacted XXXX directly, and they informed me that they could not provide further details because the shipment was not addressed to me and was associated with a different address. This indicates that the tracking number provided by the seller was not linked to my order or my address, which is a known fraudulent practice. I attempted to contact the seller multiple times through XXXX and received no response. The seller was given until XX/XX/year>, to respond to the dispute. The seller responded only by re-submitting the same tracking number as proof of delivery. Despite my explanation that the tracking number was not associated with my address, PayPal denied my claim solely based on the existence of tracking information, without verifying whether the delivery was made to my address. I contacted XXXX customer support and was informed that the seller had been suspended shortly after my transaction for scamming multiple buyers. I was told that PayPal could verify this information by contacting XXXX directly. On XX/XX/year>, I contacted PayPal and requested an appeal. The representative assured me that my concerns would be properly documented and reviewed. However, on XX/XX/year>, PayPal again denied my claim, stating that the tracking number provided by the seller was sufficient proof of delivery. There is no indication that PayPal conducted any meaningful investigation into whether the package was delivered to my address or whether the seller was engaged in fraudulent activity.

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: NV

Complaint narrative:
am filing this complaint against Klarna regarding a dispute for order XXXX ( merchant listed as XXXX XXXX XXXXXXXX XXXX, order date XX/XX/XXXX ). This was a goods not received claim. Klarna sent me a written notice stating that the claim forwarded by your bank has been concluded and that my bank resolved the case in Klarnas favor. This statement appears to be false. I have spoken directly with my bank, and they confirmed that they did not side with Klarna. At the time of Klarnas message, my bank had not issued a final determination in Klarnas favor. Klarnas representation of the outcome is therefore inaccurate and misleading. Additionally, my attempts to resolve this matter directly with Klarna have been unsuccessful and concerning : During XXXX call, I was offered a partial refund. When I declined, the call was disconnected. On subsequent attempts to contact Klarna, my calls were repeatedly disconnected without resolution. Klarna has not provided any written documentation supporting their claim that my bank ruled in their favor. This behavior raises serious concerns, including : Misrepresentation of the status and outcome of a financial dispute Failure to provide transparency or documentation supporting their decision Obstruction of communication by disconnecting calls when I attempt to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint regarding the closure of my credit card account by Bank of America and the denial of access to my accumulated cash rewards. My account had been active since XXXX and was closed by Bank of America on XX/XX/XXXX, without prior notice or a clear explanation. I was only informed that the closure was due to a business decision, with no further details provided. At the time of closure, I had accumulated {$1800.00} in cash rewards through legitimate spending over the course of many years. After discovering that my account had been closed, I attempted to redeem these rewards or apply them toward my outstanding balance. However, I was informed that because the account was closed by the bank, I am no longer eligible to redeem any of the rewards. I was not given any advance notice of the account closure or a reasonable opportunity to redeem my rewards prior to losing access to them. These rewards were earned over an extended period and represent significant value accrued through my use of the account. I believe this practice is unfair and potentially deceptive, as it prevents me from accessing earned benefits without warning. I am requesting that Bank of America allow me to redeem my accumulated cash rewards or apply the {$1800.00} as a credit toward my account balance. I am also requesting a full review of this matter and a written explanation referencing the specific terms that justify forfeiture of earned rewards without prior notice.

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 2026-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: NE

Complaint narrative:
I enrolled with Freedom Debt Relief in XX/XX/year> based on the understanding that they would help settle my debts and that fees would be clearly explained. Since enrolling, I have paid a total of {$3600.00} into the program. Of that amount, {$2600.00} has been taken as fees. In addition, I have been charged a {$9.00} monthly service fee that was not clearly disclosed to me at the time I enrolled. I was not made aware that such a large portion of my payments would go toward fees before any meaningful payments were made to my creditors. If this had been clearly explained, I would not have agreed to participate in the program. I believe the fee structure and the timing of when fees were collected were not properly disclosed and may be misleading. I am requesting : A full review of the fees charged to my account A refund of fees that were not clearly disclosed Documentation showing exactly what I agreed to regarding fees and service charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It seems my claim has been denied for a XXXX time, my mobile phone was compromised and attackers were able to have control of my mobile phone bypassing any XXXX authentication and made unauthorized transactions and I am being held liable. I have patiently waited almost XXXX months and have even gotten a new phone, someone please help me as this is a large sum of money that was defrauded from me and I need to pay bills.

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 2026-04-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding my credit card account with Capital One. In XXXX, I scheduled a payment of {$190.00} from my XXXX XXXX XXXX account. That was set up on the day that I got paid so I am positive that there was more than enough money for the payment. The payment initially posted to my Capital One account, which led me to believe it was successfully processed. However, the payment was later returned without my knowledge or clear notification. After finding out it was returned almost XXXX after I was told it was for insufficient funds which I know cant be the case because that payment was lined up with my paycheck. Because I was unaware that the payment had been reversed, I continued using my card under the assumption that my balance had been reduced. This caused my balance to increase significantly, along with late fees and interest charges. Since XXXX, I have spoken with multiple Capital One representatives regarding my account. During those conversations, I was consistently told that my account was restricted and that as long as I paid off my balance, the restriction would be removed and I would be able to use the card again. However, when I spoke with a representative and supervisor recently, I was told for the first time that my account had actually been closed back in XXXX after the returned payment. The supervisor stated that a letter had been sent, but I never received any such notice. Additionally : - My Capital One mobile app has continuously shown the account as restricted, not closed - At no point during my previous calls was I informed that the account was closed - Interest charges continued to be applied to the account, which further led me to believe the account was still active This situation has caused significant confusion and financial impact due to : - Lack of clear notification that my payment was returned - Being repeatedly told inaccurate information by multiple representatives- Not being informed that my account was closed while interest and fees continued to accrue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: CO

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

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 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I made a purchase at a XXXX XXXX for fuel for my company vehicle. I purchased {$500.00} of diesel, but the vehicle only took a vehicle only took {$190.00}. I went back into the XXXX XXXX where the cashier gave me a receipt for the refund of {$300.00} and had me tapped my car for an instant refund, the refund did not go through. I contacted the merchant which they put the complaint in to my bank explaining that I did not use the whole XXXX I also sent my Bank a copy of the refund receipt. My bank will not release my {$300.00} refund. The bank is SoFi bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma has frozen my bank account. I have completed the XXXX verification ( see attached screenshot ), but they refuse to release my funds or provide a timeline. I am being denied access to my own money. And then I asked to speak to a supervisor over and over and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> : Lunch purchase at XXXX XXXX 's in XXXX, TX. XXXX was {$13.00}, {$2.00} tip added to total {$16.00}. ( * Server changed tip amount to make total bill $ XXXX fraud but I am not pursuing {$2.00} ). XX/XX/year> : Reviewed card transactions prior to statement payment. Saw {$43.00} charge from XXXX XXXX 's in addition to a {$18.00} charge same date. Filed dispute via mobile app. XX/XX/year> : Notification Citibank completed their investigation. Vendor provided documentation and services were provided therefore unable to support dispute & conditional credit reversed. Downloaded vendor documentation and saw receipt from XXXX 's for {$73.00} ( completely unrelated to dispute ). XX/XX/year> : Contacted Citibank 1st time. Told them vendor documentation for another restaurant and amount. Asked if I could submit my receipt. Told no and that investigation still pending. XX/XX/year> : Contacted Citibank 2nd time. Still claimed investigation open, and provided email address to submit my receipt once asked. I emailed my receipt that day. XX/XX/year> : Notification from Citi that they no longer have any recourse to obtain credit for me since timeframe to resolve dispute had passed. Investigation remains closed. XX/XX/year> : Contacted Citibank 3rd time. Spoke with supervisor. She saw the XXXX 's receipt vendor provided as proof and disclosed that even if a vendor provides a blank piece of paper to Citibank they consider the dispute resolved. Advised she would reopen investigation and request conditional credit reapplied to account. Also offered mileage reward. Asked to resend email with receipt and detail out the receipt in body of email. Email send that day. XX/XX/year> : Notification from Citibank they had no options available because of previously stated reasons, and any further attempts to resolve dispute needs to be directed to merchant or other form of resolution. XX/XX/year> : Contacted Citibank 4th time. Demanded the investigation reopened, conditional credit restored, and my dispute resolved in my favor since I have proof and vendor did not provide. Advised they would submit my request for appeal of the decision and email me. XX/XX/year> : To date, no emails, correspondence or online messages have been sent regarding my appeal.

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 2026-04-28 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: TX

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report and requested a reasonable investigation. Despite my dispute, the credit reporting agency continues to report the same information without providing verification or evidence that the accounts are accurate. This failure to properly investigate and correct inaccurate information violates my rights under the Fair Credit Reporting Act and is causing financial harm.

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 2026-04-28 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: TX

Complaint narrative:
I placed a XXXX club order, never received items. XXXX instructed me to file a claim to get my funds back but bank is continuing to deny my claim. There's no proof of delivery photo or signature per XXXX club, XXXX said they couldn't issue a refund that they only way to get my funds back is to contact bank. Chime does not handle claim and disputes properly. I am not denying I made the purchase the problem is goods not received and there's no proof of delivery. Claim XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-04-28 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/year>, I enrolled in what appeared to be a low-cost trial with XXXX for {$2.00}. On XX/XX/year>, I was charged {$69.00} for a subscription. The automatic renewal and full subscription pricing were not clearly or conspicuously disclosed at the time of purchase. I canceled the subscription shortly after becoming aware of the charge. The company later confirmed cancellation, but only after charging me for a full billing cycle through XX/XX/year>. I did not intend to enroll in an ongoing subscription at this price and was not provided with clear disclosure sufficient to establish meaningful consent. I initially attempted to dispute the charge through XXXX, as the transaction was processed through their platform. I was informed that the dispute needed to be handled through my card issuer ( XXXX XXXXGoldman Sachs ) , and I followed that guidance. I disputed the charge with Goldman Sachs and provided all requested supporting documentation. The dispute was denied on XX/XX/year>. I immediately re-disputed the charge with additional evidence, and it was denied again. I have now submitted a third dispute. Despite multiple attempts, Goldman Sachs has not provided a clear or adequate explanation for its decision, nor has it addressed the central issue that the charge resulted from misleading or unclear billing practices. I believe the dispute was not properly investigated. I am requesting that Goldman Sachs conduct a proper review of this matter and reverse the {$69.00} charge. There appears to be a broader pattern of similar complaints regarding this companys billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: MO

Complaint narrative:
Issue : Capital One denied my dispute despite clear evidence that the merchant is not legitimate. Complaint : I am filing this complaint regarding Capital Ones handling of a dispute for a {$94.00} transaction ( Claim # XXXX ). Capital One denied the dispute on the basis that the information the merchant provided shows that this transaction is valid. However, the merchants information is not valid, and Capital One did not address the core issue : the merchant appears to be fraudulent or nonoperational. After the transaction, I attempted to contact the merchant using the information provided at the time of purchase. The phone number is nonfunctional, the email address does not work, and the website frequently goes offline or becomes inaccessible. These are clear indicators that the merchant is not legitimate and can not support or service the transaction. The merchant also does not appear to have a verifiable business presence or reliable contact information. Capital One did not evaluate or address these issues in their denial. Instead, they accepted minimal documentation from the merchant without verifying whether the merchant is a real, reachable, or functioning business. This leaves me with no way to resolve the issue directly with the merchant, and it undermines the protections that cardholders are supposed to have when dealing with fraudulent or nonresponsive sellers. I am requesting that Capital One reopen and reevaluate the dispute, taking into account the merchants invalid contact information, unstable website, and lack of verifiable business presence. These factors were not considered in the original review and materially affect the legitimacy of the transaction. Requested Resolution : I am requesting that Capital One conduct a full reconsideration of the dispute, including verification of the merchants contact information, business legitimacy, and operational status. If the merchant can not be contacted or verified, the transaction should be refunded.

Company response to consumer: Closed with non-monetary relief