vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 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: TN

Complaint narrative:
I authorized a transaction totaling {$430.00} on XXXX for an XXXX XXXX ( white ). The item was never received. 

I reported this issue to Chime on XX/XX/XXXX as a merchandise not received dispute. Since that date, I have contacted Chime multiple times and complied with all dispute requirements. Despite this, Chime has repeatedly denied my dispute without providing a clear explanation or identifying what evidence was missing. 

I also contacted XXXX, where the purchase was made. XXXX initially denied my claim, but after reopening the case, I was told the issue would be resolved by XX/XX/XXXX. That date was later changed to XX/XX/XXXX, extending the delay. 

The dispute has now been ongoing since XX/XX/XXXX with no meaningful resolution. Chime has failed to conduct a reasonable investigation or provide documentation supporting its denial. 

I am a full-time senior college student, majoring in XXXX XXXX and enrolled in a radio course. I need a phone for coursework and academic communication. Because my funds have not been returned, I have been unable to reorder the phone. As a result, I failed two classes last semester, causing significant academic hardship.

I believe Chime violated consumer protection standards by improperly denying a valid merchandise not received dispute and failing to fairly investigate my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please see the attached detailed written complaint and supporting narrative. This complaint concerns Fifth Third Banks repeated failure to comply with RESPA and Regulation X, including failure to respond to RFIs and Notices of Error, improper escrow administration, lack of required insurance lapse and force-placed insurance notices, and an unsupported claim of permanent escrow disqualification based on a brief, unnotified 13-day insurance lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is showing on my credit report and it is due to Identity Theft Date Opened : XX/XX/year> Amount : {$320.00} Disputed with credit bureaus, froze credit, filed police report, and reported Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX  & XXXX ( XXXX ) and Equifaxs continued reporting and validation of a rental debt that has never been legally established and has already been removed by other credit reporting agencies. 

This alleged debt originates from XXXX XXXX XXXX XXXX and was referred to XXXX after a landlord-tenant proceeding in XXXX XXXX XXXX XXXX. That case resulted in possession only. No monetary judgment was entered, and there has never been a court determination that I owe the amount being reported. Despite this, XXXX furnished a specific balance to the credit bureaus as an established obligation. 

I disputed this account multiple times and specifically requested that XXXX provide the legal basis for publishing this balance on my credit report, including proof of a monetary judgment or other enforceable determination establishing the amount as owed. XXXX did not provide any such legal basis. Instead, they relied on generalized debt verification that did not address whether the amount was legally owed or lawfully reportable. 

As a result of these disputes, the tradeline was removed from XXXX  and XXXX XXXX following regulatory scrutiny and repeated challenges to its accuracy. This confirms that the account could not be properly verified across reporting channels. However, Equifax continues to report the same account as verified, despite being presented with the same dispute and materially identical information. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation and may not continue to furnish information that is inaccurate, incomplete, or can not be substantiated. Likewise, 15 U.S.C. 1681i requires credit reporting agencies to conduct a meaningful reinvestigation and delete information that can not be verified as accurate. Verification requires more than repeating the furnishers assertion ; it requires confirmation that the information has a lawful and factual basis. 

Here, the amount reported has never been reduced to judgment, has never been adjudicated, and has been contradicted by removals at other bureaus. Continuing to report this balance as an owed collection misrepresents its legal status and causes ongoing harm to my credit profile, including score suppression and adverse housing outcomes. 

FCOs continued furnishing of this account, and Equifaxs acceptance of a conclusory verified response without legal substantiation, together result in the ongoing publication of unproven and misleading information. When an alleged debt can not be legally established or consistently verified, the appropriate and lawful remedy under the FCRA is deletion, not continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Grand Canyon Title, Agency, Inc.
State: GA

Complaint narrative:
Grand Canyon XXXX  is listed on my credit report and this is due to Identity Theft Date Opened : XX/XX/year> Amount : {$2500.00} Disputed with credit bureaus, froze credit, filed police report, and reported Identity Theft

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
As I said before cash app close my account but only reason they could give me was for reasons that they could close it which was multiple reasons I do know this much any of the things that would listed I do not do and did not do but someone had asked me for money but I did not know and I reported it as I thought I should they block that person next thing I know I am blocked as well I did dispute and it was a very long process and very much of my time like very much it's been over XXXX years I believe now I still can't get cash app. I am so frustrated with this but it literally keeps me in tears I mean I have a bank I have XXXX but it's the principle. why close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I previously owed a Discover Bank credit card debt that resulted in a New Jersey court case. In XX/XX/year>, a levy was placed on my XXXX XXXX XXXX  account and funds were taken from my account to satisfy the debt. After this, Discover reported my account as closed with a {$0.00} balance on my credit report. 

Despite this, Discover ( now listed as XXXX XXXX XXXX. successor ) has allowed their law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to continue collections and they have placed another levy on my XXXX XXXX account under case XXXX. 

I contacted Discover and requested written confirmation that the account is satisfied/paid with a {$0.00} balance and that no additional funds are owed. Discover representatives told me that the case should not still be with the law firm, but Discover refuses to provide written confirmation or to correct the continued collection. 

As a result, I am still being subjected to bank levies and court enforcement for a debt that appears to have already been satisfied, based on Discovers reporting and the prior levy. This has caused serious financial harm and hardship. 

I am requesting : XXXX. Written confirmation that my account is paid/satisfied and {$0.00} is owed XXXX. Discover to notify its law firm and the court that no further collection is authorized XXXX. Assistance stopping further levy activity on a debt that should already be resolved. 

I need CFPB assistance because Discover will not correct this situation or provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase offered a special promotion to Chase Sapphire Preferred users in conjunction with The Infatuation. I have completed all steps necessary to process this credit, but because the restaurant processed my charge a day late, Chase is now refusing to honor the previously agreed upon terms. 

The exact terms and conditions can be found on XXXX XXXX XXXX website here : XXXX XXXX XXXX XXXX XXXX XXXX  ... make a purchase of at least {$150.00} at an XXXX XXXX XXXX  XXXX XXXX with your eligible card between XX/XX/XXXX and XX/XX/XXXX. '' On the same webpage it has a XXXX describing the process of what to do in order to receive the promotion. Line item XXXX states, " Spend {$150.00} or more with your Chase Sapphire Preferred card at an eligible restaurant during the offer period of XX/XX/XXXX - XX/XX/XXXX. '' No where did it state that the merchant must process the charge by XX/XX/XXXX, which is out of the consumer 's control. I have abided by the terms and conditions by dining within the promotional period. 

I have attached screenshots of the terms and condition listed at the website as well as the XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: SC

Complaint narrative:
Heres a polished, clear, CFPBready version of your statement. 
It keeps the facts tight, neutral, and easy for an investigator to follow.

-- - # * * Reworded CFPB Complaint Statement * * I contacted U.S. Bank regarding a credit line increase on my business credit card. During the call, the representative informed me that credit line increase requests can not be reviewed in real time and must be submitted for a 5day review. The representative then asked if I wanted to proceed with the request.

I clearly stated * * no * *, and I specifically said that I did * * not * * want a hard inquiry because I had already submitted a similar request in XXXX and was denied. The call ended with no authorization given. 

Approximately 20 minutes later, I received a notification from XXXX XXXX that U.S. Bank had pulled my credit report, despite my explicit refusal and lack of consent. This hard inquiry was unauthorized.

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
XXXX received a text on my phone of a {$5000.00} charge on my Paypal Account to an unknown person. 
XX/XX/XXXX-My Paypal Password was changed XXXX filed a Dispute of {$5000.00} Charge with Paypal XXXX contacted my local bank on unauthorized charge XXXX {$5000.00} charge was attempted to draw from my local bank. I did a Stop-Payment with my local bank XX/XX/XXXXPaypal notified me the electronic funds transfer was declined & I now have a negative balance due to Paypal. 
XXXX from Paypal with request for payment of Negative Balance Several In-person Calls To Paypal-I was told I owe the money & must be paid or it will go to collections. 
XXXX Paypal Password XXXX contacted my Local Bank Fraud Department. They said I must deal with Paypal directly-XXXX help XXXXSeveral In-Person calls made to appeal-No help. Finally, a Paypal representative verbally informed me that the individual that drafted the funds had been involved in several suspicious transactions & had been flagged by Paypal. Therefore, I was told to wait upXX/XX/XXXX days for the appeal & it should drop off. 
XX/XX/XXXXdays and no resolution plus daily notifications of negative balance. 
XXXX I contacted Paypal XXXX I was told the charges stemmed from an unauthorized IP in XXXX. Re-Opened the case & once again filed an Appeal. Denied ( In Minutes ) XXXX case. I was informed they will be sending to collections after XX/XX/XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: IL

Complaint narrative:
Penn Credit Corporation has placed a collections account on my credit report for the amount of {$2600.00}. Prior to this debt being placed on my credit report, I had no knowledge of this debt. Please take into account that I never received a debt validation notice. Penn Credit Corporation is in violation of U.S. Code 1692g, which requires debt collectors to send a debt validation notice within five days of initial contact, detailing the debt amount, creditor, and consumer 's right to dispute within 30 days ; if disputed, collectors must stop collection and provide validation, and can not report to credit bureaus until validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my phone was stolen and the people that stole my phone made XXXX transactions to themselves. I contacted TD bank on the same day when I saw the XXXX notification and TD bank advised that I had to contact them about XXXX transactions after they have been completed on Tuesday. They refused to immediately stop the transactions. The thieves were able to add a new XXXX recipient on my account and transferred {$2000.00} from my checking account. 
I explained this to the representative and advised that I did file police reports with the police in XXXX, where my phone was stolen. 
This also occurred with my XXXX XXXX accounts but XXXX was able to stop all of the transactions and placed a fraud hold on my accounts until I was able to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX please investigate this email account and user email address is XXXX and phone number is XXXX and investigated her phone number and permanently limited it and restricted it etc. I need yall to investigate both usernames and accounts for doing fraudster and fraudulent and scamming customers and blackmailing them and threatening them and harassment them because she scammed me and threatened me and blackmail me for no reason and investigated my complaint and take action against her accounts and both accounts and both usernames need to be investigated and permanently limited and Zelle relationship need to be ended for relationship permanently need to be ended for both of them and restrict her Zelle token and restrict her Zelle account permanently and put a hold on it permanently and send the results decisions to her bank so they can investigate her bank account too and permanently closed out her account out or close her account out and end her banking relationship and restrict it or put a hold on it and dont release same for the bank tell them the same thing dont release my information etc my information to her if she ask yall for it or dont release my information to her or no keep it private confidential anonymous and she used different names that is her real name so you might need to do a verification information system check on asking to submit proof of her names and other documents to yall and same thing to the bank they need to verify her another way or more or further more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I got a loan for {$300.00} and I couldve swore I read 3 payments, easy. I paid off {$200.00} and I saw I had payments to pay off {$1000.00}. That came out of nowhere

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have had perfect credit with Chase for over 20 Years. This past year I put a large purchase on my card using pay over time feature Approx. {$5000.00}. My balance was XXXX at the time. I have always paid my balance in full every month. At some point I noticed a late fee and interest charged on my account. I called and customer service said there was some problem and they would take care of the fees/interest and issued a new card. The next month there was no credit for the fees/interest, well credit XXXX interest, and another late fee and interest. I immediately paid the principle I owed to avoid more fees/interest. I called again, this time they will not refund anything. I have talked to several agents and they say nothing can be done. Now they continue to charge fees/interest on my card and canceled it and sent to credit bureau XXXX The late fees have increased from {$29.00} to {$40.00} and still charge a plan fee when the plan has been paid off for several months early. I think this is a deceptive practice just to pad the bill. They now threaten to put a charge off on my report. I have excellent credit and there games don't really affect me as it may other people I believe in doing the right thing, which Chase is not. A {$29.00} late fee and some {$40.00} interest has turned into over {$500.00} in a couple of months and growing ex. I have always believed in customer service words were good, but they are not in this case. Their people should be accountable for what they say. This all could have been avoided had they honored their word. This needs to be looked into, for these appear to be shady practices by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened the card in XXXX of XXXX and on XX/XX/XXXX of XXXX, I noticed I have not been receiving the proper points per dollar spent. I spend well of {$1000.00} in XXXX each year and this qualifies me for XXXX status, which means you receive XXXX XXXX points for every dollar spent. Upon looking at my credit card statements, I havent been receiving the proper points per dollar for the entirety of having the credit card. I chatted with 2 representative online and the I called on the XXXX and I went through each credit statement with a representative which took over 3 hours. All together I was shorted XXXX points which is around {$180.00}. I was told that a case would be made and I would receive the XXXX points in the next 24 hours as well as XXXX additional points for the inconvenience. The next day I saw the points werent in my account yet so I contacted XXXX again and I was told they need another 24 hours. I waited another day and my point still werent return to me. I contact XXXX again over the next few days and was told to wait 24 hours several times. While I did receive the XXXX points for the inconvenience, I never got the XXXX points that are owed to me. I called every day since and on the XXXX or XXXX I spoke with a man and he told me that there was never a case opened and he made me send over all of my credit card statements and we spent 2 hours on the phone together again. He told me I would revive a response in the next 48 hours. I didnt receive any update or response so I contacted them again and they still had no response. Now today XX/XX/XXXX, I asked how much longer it will take to get a resolution and the agent repeatedly told me that he has no idea and it may take weeks if not months. Throughout this whole process, I am speaking with XXXX and on the first day the bank itself. I have spent many hours and days on the phone trying to get an update only to be told that their team that investigates is not able to speak with me or to the supervisors who I have spoken with, so there is no direct line of contact with the people who can fix my issue. Instead, I am speaking with supervisors who will push the issue along and send the team messages. This is blasphemy that I have opened the card with the intention of saving money/receiving extra points because I am and have been such a frequent customer of XXXX. They have not given me the proper points for the entirety of me owning the card and this should be investigated federally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App has refused to refund the full amount of my claim, despite multiple written confirmations stating that I was approved for the full refund. I have emails from Cash App Support indicating that the entire amount was still under investigation, yet they only issued a partial refund without explanation. 

When I questioned the discrepancy, Cash App changed their explanation and reworded their responses, which contradicts the earlier written statements I received. Their communication has been inconsistent, misleading, and does not align with the documentation I have on file. 

I am requesting the CFPBs assistance in obtaining the remaining {$660.00} that Cash App previously stated I was approved for. I have retained all emails, screenshots, and timelines showing the approval, the ongoing investigation, and the contradictory explanations provided by Cash App.

Company response to consumer: Closed with explanation