vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
On XX/XX/year> my debit card and my phone and my Id was stolen from me at a XXXX after I made a deposit. I went back to the store to see if my phone was still there and it wasnt so I immediately called my bank and canceled my card. I see

n 2 transactions from XXXX XXXX trust wallet in the amount of {$500.00} each totaling {$1000.00} that I didnt authorize and I have put in 2 disputes and the bank only takes 2 days to respond very quickly with no error. I have even sent in a copy of my police report after they asked. And I still havent got a credit on my account.

I thought under Regulation E, I have legal protection if : The transaction was unauthorized and I reported it within 60 days of the statement showing my charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
Continued Reporting Errors : 1. Balance Error Balance is reported at {$3400.00}, which is higher than the highest balance of {$2500.00}. This is factually impossible for a closed-term loan. 
2. Status Conflict The account is simultaneously reported as Charge-off/In Collections and Open. An account can not legally be both.

3. Term Mismatch This was a 12-month loan opened XX/XX/XXXX. It should have been closed by XX/XX/XXXX. Reporting it as open nearly 3 years later is inaccurate. 
4. Improper Payment History After charge-off, the account continues to report monthly late payments. This constitutes re-aging and is not permitted under FCRA or Metro 2 reporting standards.

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 2025-09-27 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:
On XX/XX/XXXX, my Capital One debit card was lost or stolen. On XX/XX/XXXX, I reported the incident to Capital One. I answered the questions asked to the best of my ability and recollection. I reviewed the transactions that had been charged to my account during the time the card was not in my possession. The agent asking the questions was very hard for me to understand. There were specifically XXXX  transactions I am absolutely positive I did not make, totaling {$480.00}. 12 of the charges were repeatedly charged at XXXX on XX/XX/XXXX, and the other 3 were repeatedly charged at XXXX XXXX, all on XX/XX/XXXX. The total disputed amount came to {$500.00} and XXXX transactions. A temporary credit was given to me while Capital One investigates. On XX/XX/XXXX, Capital One notified me that they were only covering a total of {$19.00} of the amount disputed and that they would be removing a credit of {$480.00} from the account on XX/XX/XXXX. After I received this, I called them for further explanation and documentation. I also requested a repeal of the decision. On XX/XX/XXXX they sent me documentation on how they came to their decision, which was completely unreadable and showed no proof that I made those transactions. They have a zero fraud liability, so I don't understand their reasoning, as I clearly did not make those repeated transactions and reported everything in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
My card was used fraudulently on XXXXXXXX XXXX and I called their customer service team to file a dispute for the unauthorized transactions on the XXXX. I was told that provisional credit would be applied within 10 business days and the total of the dispute was somewhere around {$1500.00}. I called numerous times about my money and continuously got the run around. I called today which is after the 10th business day and was told the dispute was denied because the pin was used for the transactions. The unauthorized transactions were online transactions and there wasnt a pin even set to be used in the first place! So therefore how can the entire dispute be denied when there wasnt a pin even set? When I said I wasnt to appeal this denial I was then hung up on by their customer service rep!

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 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I sent Credence Resource Management a letter asking for a letter proving that i owed the debt an send me a debt validation letter required by 15 U.S.C. 1692g. A simple account summary or lack of response is legally insufficient. The company failed to provide the following essential documentation : 1. A copy of the original signed contract or service agreement proving my contractual liability.

2. A complete, itemized payment history from the date of default.

3. The legal bill of sale/chain of title proving that Credance Resource Management legally owns the debt and has the right to collect.

By continuing to report this account and failing to validate it, Credence Resource Management is violating the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been traveling XXXX  for 6 months and while using Chase Travel my accoutside were locked due to suspicious activity. I was out of the country for XXXXXXXX XXXX XXXX This started 5 months ago. Account still locked The only way to contact customer service was through XXXX, formerly XXXX, are you kidding me????? 
Here 's my latest correspondence : I called the number in your email and got a 'The number you have dialed is not available ' recording. 
I spoke with a rep earlier, at the number provided on the back of my card, who took me through the verification process and then she provided me with a code to reset my password and instead, after a 30 minute call, that cost me {$25.00}, my account was flagged and sent for review to the fraud department. Your own reps don't know what to do!!! The phone record is attached with the number I called. 

How will you rectify this situation? 

If this is really the Executive Office? 
Your response time is at best deficient, not to mention your lame attempts at customer care. 
Unacceptable, no satisfactory solution, and worse, insincere and robotic responses. 

I hope you experience the low level of assistance that I have received some time, in a foreign country when you need seamless use of Chase banking services most. 

I return to the XXXX on Monday, XX/XX/XXXX at which time I will call you once again. 

Rest assured that I will post reviews of my experience with Chase on every platform I can find. 

In response to this email : secure # A Message from Chase Executive Office XXXX Yesterday at XXXX XXXX  to me Encrypted Disable Forwarding Expires in 3 months Dear XXXX XXXX : The resolution for your complaint is attached. If you have questions, please call us at the number below. We accept operator relay calls. Our office hours are Monday through Friday from XXXX XXXX XXXX XXXX XXXX  and Saturday from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Sincerely, Executive Office XXXX XXXX Fax ; it's free from any Chase branch Did they even read my email?????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I recently reviewed my credit file and discovered fraudulent inquiries that I did not authorize and believe to be the result of identity theft. 

Sofi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: ID

Complaint narrative:
On XX/XX/year> I started college again. I was contacted by EDfinancial via phone where they explained that since I was going back to school that my loan would be in forbearance and I would not need to pay it. Mind you I was supposed to start school XXXX XXXX but the school pushed it to XX/XX/year>. 
Well then they marked that I had a late payment in XXXX of XXXX  even though they were aware of me starting college again. 
I have called EDfinancial and they said they put in a claim in XXXX to remove the derogatory remark for XXXX of XXXX  that shows it was late on my credit report. 
It is still showing on my credit report and preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not provide verbal or consent for this company in question to share my personal and account information, this is a serious violation of my liberties, freedom, and rights. This information is being used to discriminate and negatively affect my ability to use my god given rights and credit. This lack of consent is in accordance with 15 U.S.C. 1692c, which governs communication in connection with debt collection, and 15 U.S.C. 1681b ( a ) ( 2 ), which requires permissible purposes for furnishing consumer reports. As a result, I demanded that immediately remove the account referenced from my credit report. The inclusion of this account information without my consent constitutes a fraudulent and impermissible reporting practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not provide verbal or consent for this company in question to share my personal and account information, this is a serious violation of my liberties, freedom, and rights. This information is being used to discriminate and negatively affect my ability to use my god given rights and credit. This lack of consent is in accordance with 15 U.S.C. 1692c, which governs communication in connection with debt collection, and 15 U.S.C. 1681b ( a ) ( 2 ), which requires permissible purposes for furnishing consumer reports. As a result, I demanded that immediately remove the account referenced from my credit report. The inclusion of this account information without my consent constitutes a fraudulent and impermissible reporting practice.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I respectfully disagree with Pentagon Federal Credit Unions response to my complaint. While they confirmed the account was charged off in XX/XX/XXXXXXXX  and later paid in XX/XX/XXXX, the credit reporting remains inaccurate and misleading for the following reasons : 1. Postcharge-off late payments : The credit bureaus continue to show ongoing monthly late payment notations after XX/XX/XXXX, even though the account was already charged off at that time. Once an account is charged off, the status should be fixed as Charge-Off and not continue to accrue new late marks month after month. 
2. Double punishment : Reporting both the charge-off and additional late payments afterward unfairly damages my credit profile twice for the same delinquency. The FCRA requires credit reporting agencies and furnishers to maintain maximum possible accuracy ( 15 U.S.C. 1681i, 1681s-2 ). This reporting practice is misleading.

3. Correct status should be : The account should reflect Charged-Off/ Paid {$0.00} Balance as of XX/XX/XXXX, without ongoing delinquency notations afterward. The current reporting misrepresents the accounts true status. 

I am not disputing the balance or that the account was charged off. My dispute is with the continued monthly late reporting after charge-off, which is inaccurate under the FCRA. I request that the CFPB require PenFed and the credit bureaus to correct this reporting. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XXXX, a fraudulent charge of {$1000.00} appeared on my PayPal Credit account for a hotel reservation that I did not authorize, did not stay at, and did not benefit from. 

As soon as I was alerted to the charge which came months after the supposed reservation date I immediately called both the hotel and PayPal Credit. I canceled the reservation with the hotel, and I informed PayPal Credit that I disputed the charge and would not be responsible for it. 

Despite this, PayPal Credit ( through Synchrony Bank ) refused to remove the charge. Instead, they allowed the disputed charge to remain on my account and continued to add interest, late fees, and balance transfers, inflating the amount owed to over {$1800.00}. 

I have contacted PayPal Credit multiple times over the years to explain that I never authorized the original transaction. I did everything I was supposed to do to dispute it, yet they have failed to correct the error. They continue to try to collect on an invalid debt that I do not owe. 

This has caused me years of unnecessary stress, potential damage to my credit, and harassment over a debt that was never valid to begin with.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit card account was wrongfully restricted after verifying my identity successfully multiple times. They are using an AI systems for reviews, and Ive requested for an actual human to review this problem multiple times and they are refusing. Capital One is currently involved in a lawsuit regarding unlawful practices on their savings accounts and I would like to have my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
I discovered that a loan was opened in my name with XXXX bank and XXXX without my knowledge or consent. I did not apply for, authorize, or receive anything from these fraudulent loans. I sent in my FTC report to TransUnion and they have yet to remove the fraudulent accounts from my credit report and have not notified me of any investigation being done on my behalf. XXXX XXXX XXXX have looked over the documents I provided and followed the law to removed these fraudulent accounts. TransUnion is the only bureau not following protocol.

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 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am currently XXXX as an XXXX XXXX military member. I was informed by my parents that a jury duty summons was issued to me in the mail stateside. I forgot about it, and did not contact the stateside jury that I would be unable to attend, as I am currently XXXX. Nearly a month after my supposed received summons, on XXXX XX/XX/year> XXXX, XXXX XXXX called me from XXXX and posed as the police. He said that I did not show to my jury duty summons and had to pay a fine. I ended up paying two amounts through PayPal to my case officers to collect it for two different violations of failing to show for jury duty. I sent {$1900.00} to XXXX XXXX email : XXXX, transaction id : XXXX. I sent {$2100.00} to XXXX XXXX email : XXXX, transaction id : XXXX. Both transactions were through the PayPal friends and family option. I realized too late I was getting scammed, and although I pulled all of my money out of my bank ( none of my money has technically gone to PayPal ), PayPal still fronted the individual the money and wants me to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am escalating my complaint against XXXX and XXXX regarding an unauthorized charge. 

On XX/XX/year>, XXXX emailed me confirming my subscription was canceled. 

Despite this, XXXX attempted multiple debits on XXXX XXXX and XXXX XXXX, XXXX, and successfully charged me {$12.00} on XXXXXXXX XXXX XXXX 

Their response to my complaint admits they attempted debits after my cancellation but claims it was valid because an authorization had been created before cancellation. 


This is incorrect and unlawful because : 1. Electronic Funds Transfer Act ( 15 U.S.C. 1693e ) : Once I canceled, XXXX no longer had valid authorization. Each subsequent debit attempt was unauthorized. 


2. Regulation E ( 12 CFR 1005.11 ) : My complaint constitutes a billing error. XXXX and XXXX had an obligation to investigate and resolve. Instead, they denied responsibility and provided a non-responsive answer. 


3. Restore Online Shoppers Confidence Act ( ROSCA, 15 U.S.C. 8403 ) : Requires simple cancellation. XXXX confirmed cancellation, then continued billing. 


4. FTC Act ( 15 U.S.C. 45 ) : Misrepresentation and unfair billing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not provide verbal or consent for this company in question to share my personal and account information, this is a serious violation of my liberties, freedom, and rights. This information is being used to discriminate and negatively affect my ability to use my god given rights and credit. This lack of consent is in accordance with 15 U.S.C. 1692c, which governs communication in connection with debt collection, and 15 U.S.C. 1681b ( a ) ( 2 ), which requires permissible purposes for furnishing consumer reports. As a result, I demanded that immediately remove the account referenced from my credit report. The inclusion of this account information without my consent constitutes a fraudulent and impermissible reporting practice.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted Transunion and Experian, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was informed that my card was restricted/ canceled without my knowledge or permission, i requested them to file disputes with the company XXXX, because my account was compromised and i was charged over XXXX dollars via transfer. When i discovered this, i filed the disputes and was not told the card was canceled, I then attempted to pull money out at an ATM and it would not allow me to do so. This seems like a violation of my consent and rights, and based on that it seems like they are using their power over the accounts for their own purposes.

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