vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I called Santander Consumer USA on today, XX/XX/XXXX at approximately XXXX XXXX  and asked why I have never received interest paid documents for end of the years throughout my 6 year loan term in order to file with my taxes. I was put on hold for XXXX minutes and then told that they do not send interest paid notices out but they can send me a payment history, which I informed that I already have that. It seems like the representative was more interested in me refinancing my balance to get a 6 % interest rate because my maturity date is XX/XX/XXXX. Also, I have been on a XXXX to XXXX for {$270.00} due the XXXX of the month, and will be finish XX/XX/XXXX, then I will resume my regular payment of {$200.00} starting XX/XX/XXXX. I am requesting for my interest paid letters for the years ending XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I would also like for an overview of my loan agreement done by the CFPB, if possible. Also, why did I receive a statement dated XX/XX/XXXX for payment due XX/XX/XXXX when my last payment was made as promised on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: CA

Complaint narrative:
I have a Chime Spending Account and XXXX XXXX account. On XX/XX/year>, Chime processed my monthly XXXX XXXX XXXX autopay for {$1400.00}. After autopay, Chime released {$490.00} of my secured funds back to my account, which is how the XXXX XXXX program works. My XXXX statement fully supports this, and the amount matches exactly. 

My issue is that my current Spending Account balance does not reconcile with my posted or pending transactions. Based on my actual transaction history, my balance should be + {$310.00}. Instead, Chime is showing {$180.00}, which reflects a missing or hidden debit of approximately {$500.00}. 

There is no transaction in my historyposted or pendingthat accounts for this {$500.00} discrepancy. 

Chime XXXX has repeatedly claimed that a merchant, XXXX XXXX, reversed and then recharged a {$500.00} transaction in XXXX. This explanation is factually inconsistent with the transaction history : There is no reversal shown There is no new XXXX XXXX charge shown There is no pending authorization There is no transaction ID for any XXXX charge There is no ledger entry of any kind to justify the {$500.00} reduction Chime is telling me a merchant transaction occurred, but no such transaction exists in my ledger. My available balance was reduced by approximately {$500.00} without any corresponding visible transaction, which should not be possible under federal banking regulations. 

I requested a ledger-level balance reconciliation and asked Chime to provide the transaction ID for the alleged XXXX XXXX charge. They refused, insisting the charge exists even though it does not appear anywhere in my account history. 

This appears to be : A ledger error A missing transaction Or an undisclosed internal adjustment Chime has failed to provide documentation, has refused to escalate the issue, and continues giving me contradictory explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase Customer Service, I am writing regarding the stop payment request I made on XX/XX/year>. 

When I called that day, I specifically asked to stop a payment and was informed that there would be a {$30.00} fee. I agreed to the service based on that understanding. However, when I checked my checking account the following day, I was charged XXXX separate {$30.00} stop payment fees, along with another {$30.00} charge. This was never clearly explained to me during the call. 

I immediately contacted customer service again to address the issue. I was told that only XXXX {$30.00} fee could be reimbursed as a courtesy, and that nothing further could be done. I respectfully disagree with this decision. At no point during the original call was I informed that I would be charged multiple stop payment fees. Had this been clearly explained, I would have reconsidered or declined the service. 

Since the conversation was on a recorded line, I kindly request that the call be reviewed. I believe the recording will confirm that I was not informed about multiple charges. Transparency is important, and customers should be clearly advised of all applicable fees before agreeing to a service. 

At this time, {$30.00} is a significant amount for me, and I am currently struggling financially. I am respectfully requesting a reconsideration and reimbursement of the additional stop payment fee that was not disclosed to me. 

I value being a Chase customer and hope this matter can be resolved fairly. Thank you for your time and consideration. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I RECENTLY OPENED A VERVE CREDIT CARD THROUGH XXXX XXXX XXXX WHEN I RECEIVED THE CARD THE FIRST THING I DID WAS TRY TO OPEN THEIR WEB PORTAL TO SET EVERYTHING UP SO I COULD MANAGE MY NEW CARD. I COULD NOT GET IT TO OPEN, SO I CALLED THE NUMBER ON THE CARD AND PAID THEIR XXXX DOLLAR FEE FOT THE YEAR IN FULL, I MANAGED TO USE THE CARD ONCE AND PAID THAT OF AS SOON AS IT POSTED. A COUPLE OF WEEKS LATER I WAS TRYING AGAIN TO OPEN THE WEB PORTAL, TO NO AVAIL. I TRYED TO CALLL THE NUMBER ON THE BACK OF THE CARD, BUT THIS TIME IT WASNT EVEN RECOGNIZING THE ACCOUNT NUMBER SO THERE IS NO WAY TO REACH THEM. I AM FRUSTRATED NOW AND JUST WANT THE ACCOUNT CLOSED. I PAID ALL THEIR FEES AND MY ONLY CHARGE, AND DO NOT OWE THEM ANYTHING. IM WILLING TO CHALK IT UP AS LESSON LEARNED.

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 2026-02-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
THE BANK XXXX MISSOURI IS REPORTING A CARD WHICH I ASKED THEM TO CANCEL AFTER PAYING THEIR FEE OF {$120.00} DOLLARS PLUS THE ONLY CHARGE I MADE ON IT. AFTER PAYING IT OF COMPLETELY I WAS UNABLE TO USE THE CARD OR REACH THEM BY THEIR WEB PORTAL OR BY PHONE. I JUST WANT THIS CARD REMOVED FROM MY CREDIT FILE OR CANCELED AT CUSTOMERS REQUEST. I DONT KNOW WHY THEY STARTED REPORTING A CARD I CANT EVEN USE AND HAVE BOCKED ME FROM GETTING IN TOUCH WITH THEM. IT IS A XXXX XXXX RUN BY XXXX BUT ULTIMETLY BY THE BANK XXXX MISSOURI. I WISH I COULD JUST HANDLE IT THROUGH THEM BUT THEY ARE IMPOSSIBLE TO GET A HOLD OF BECAUSE MY CARD IS NOT RECOGNIED ANYMORE AD DONT KNOW WHY.

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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
There was a problem with my account since XX/XX/XXXX money was taken out my account & somebody got a hold in my account & took a lot of money from me.. try go back look in my account money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-02-12 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Chime Financial Inc
State: MN

Complaint narrative:
I have been emailing, chatting and calling them since XX/XX/year>. My bankruptcy attorney also has called with me on the phone multiple times and they have hung up on me. Called them today XX/XX/year> around XXXX and still not giving in any info I went through bankruptcy and my money was in my credit builder account. They closed it and will not give me my money. They keep telling me they will send a check and I should receive it by the XXXX and then when we called again they state that they will have a specialized team email me and my bankruptcy attorney have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMorgan Chase responded to my prior complaint by stating that the accounts ending in XXXX and XXXX were properly charged off and that billing statements were sent electronically. They enclosed internal statements from XX/XX/XXXX2025 through XX/XX/XXXX2026 and asserted that electronic notifications were provided. 
However, their response does not provide verifiable proof that the billing statements were delivered in compliance with federal requirements prior to reporting the accounts as delinquent and charged off. 
Simply enclosing internal statements does not establish proof of delivery, proof of receipt, or compliance with required timing obligations. The response also fails to provide documentation showing written notice within 30 days of furnishing negative information. 
The company further stated that my dispute lacked sufficient information. This is inaccurate. My dispute clearly challenged the legal basis for the delinquency and charge-off reporting. 
The banks response does not provide independent verification of compliance and instead restates account history. The negative reporting remains disputed and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: GA

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 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 explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Capital One XXXX XXXX, My name is XXXX XXXX, and I am writing to request a goodwill adjustment for the late payment ( s ) reported on my Capital One account. 

The late payment ( s ) occurred in XXXX XX/XX/year>. Ive reached out before about this to try and have them removed. At the time, I was dealing with a difficult transition while starting school and adjusting financially, which caused me to miss the due date. I take full responsibility for the mistake and understand the importance of on-time payments. 

Since then, I have made every effort to manage my account responsibly and ensure all payments are made on time. I am working hard to build a strong credit history and become a long-term, responsible customer. 

These late payments are negatively impacting my credit, and I respectfully request that you consider removing the late payment notation ( s ) as a goodwill courtesy. I value my relationship with Capital One and hope you will consider this request. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I'm writing to file a complaint against PayPal regarding unauthorized use of my email address and their refusal to address the issue. Someone with a different name from myself is using my email for paypal PayPal has been using my email address without permission. 
I've contacted PayPal multiple times, but they haven't resolved the issue or responded adequately. They claimed the email was " verified '' but showed be no proof of this and don't seem to understand that criminals can find loop holes. The last 2 times I contacted them was XX/XX/XXXXXXXX  and XX/XX/XXXX via phone AND email. They only gave me a generated response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: AL

Complaint narrative:
AR RESOURCES is falsely reporting on my credit. I have never had any accounts with them. Per my research AR RESOURCES 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 explanation
Consumer complaint received 2026-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Bank of America XXXX Denying Valid Claims ( Inconsistent Investigation ) Narrative : I filed XXXX identical billing disputes for " Credit Not Processed '' ( XXXX XXXX XXXX ). I provided identical evidence for all of them : a written agreement from the merchant ( XXXX XXXX XXXX XXXX ) promising a refund of {$3100.00}, dated XXXX  XXXX, 2026. 

XXXX. The Proof of Valid Evidence : On XXXX XXXX, 2026, Bank of America ACCEPTED my evidence for Claim # XXXX and issued a credit. This confirms my evidence satisfies the bank 's requirements. 

XXXX. The Violation ( Inconsistency ) : Despite accepting the evidence for one claim, the Bank DENIED the other 6 identical claims ( Claims ending in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) citing contradictory and incorrect reasons : Some were denied for " Time Limits '' ( ignoring the Date of Error : XX/XX/year>2026 ). 
Others were denied as " Cancellation Disputes '' ( ignoring that this is a Credit Voucher dispute ). 
XXXX. Failure to Investigate : It is a violation of the Fair Credit Billing Act to conduct an investigation so negligently unethical- that identical claims yield opposite results on the same day. 

Resolution Demand : Align all disputes with the decision made on Claim # XXXX. Reopen the denied claims immediately and issue the provisional credits as you did for the approved claim.

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 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: TX

Complaint narrative:
I was sent a request to pay an amount for a hospital bill to a hospital by NPAS solutions, a debt collector, in the amount of {$130.00}. I have XXXX and XXXX XXXX XXXX XXXX XXXX which means all my hospital bills are paid in full. I disputed this amount with the debt collector. I then went into XXXX and XXXX and obtained all the amounts that were paid in detail to show that I did not owe this amount. I sent them a complete printout of the details of the event from both XXXX and XXXX. It showed that the full amount had been paid. It showed that the XXXX had been paid. The final page of the XXXX stated " Not your responsibility {$130.00}. '' In the same box it showed " Paid by your plan {$130.00} ''. I sent all the detailed pages from XXXX and XXXX showing the print out from them. NPAS rejected this information and said I still owed the {$130.00}. I don't no what else to do. I have perfect credit ratings ( usually in the XXXX to actually XXXX range ) I do not want to see my credit rating disturbed. Please advice. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account XXXX XXXX  # XXXX Im unaware of the debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide ( Certified Mail ) with receipts displaying my signature if not please delete account # XXXX as soon as possible from my credit report are I will have to take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FourLeaf Federal Credit Union
State: PA

Complaint narrative:
I called and went personally to this bank, because I previously, made my payments via this bank, but I moved to XXXX, I explained that I no longer need this bank services, the verbally agreed, but they did a big mess, because they paid INTENTIONALLY half of the payment, then I hve to move, it does not matter how many times I explain my situation, the four leaf bank did whatever they want, and because of that this bank INTENTIONALLY PROVOKE LATE FEES A ND LOWER MY CREDIT SCORES, THIS SITUATION IS ONGOING!!! I TOLD TBHIS BANK THAT I ALREADY HAVE ANOTHER BANK TO PAY MY CAR, THEY EVEN MOCKED ME,,,, NOT ANYMORE

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