vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent transaction that occurred through Chime platform on XX/XX/year>, and to notify you that I am prepared to pursue further action due to Chimes refusal to assist in resolving this matter. On XX/XX/year>, I signed up for Chime because one of they vendors uses thier services to receive payments from customers. I had posted an advertisement on XXXX seeking a loctician. A woman claiming to represent XXXX XXXX contacted me and stated she was located in XXXX XXXX, CT, which is close to my residence. Based on this information, I agreed to proceed with her services. She mentioned that if I retain her services, I will need to make a deposit to hold my spot. I asked her how should I make the deposit? I only have cash app She mentioned how she doesn't use cash app, but she does have chime. I never heard of chime, nor have I ever used chime She proceeded to tell me how to download the chime app to make the payment. I added money to my new chime account. So that way, I can make the deposit to get my hair done. the deposit into my new chime account in order to make the payment. Immediately after receiving my payment, the individual deleted me from her account and became unreachable. It became clear that this was a fraudulent transaction. I contacted Chime customer service at [ XXXX ] to report the fraud. Despite explaining that thier platform was used to facilitate this scam, I was told that Chime could not assist me because it was a onetime transaction. At no point during the payment process was I informed that onetime transactions are ineligible for dispute or protection. I was further told that I was not allowed to file a dispute, which is unacceptable. Chimes refusal to investigate or provide any support leaves consumers vulnerable to fraud conducted through thier platform. I have evidence of the full conversation, including screenshots, timestamps, and the individuals XXXX profile information. I am also filing a complaint with XXXX regarding the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
On XX/XX/year>, I attended a dental appointment at XXXX XXXX in XXXX, North Dakota. At the conclusion of the appointment, office staff presented me with a treatment plan and enrolled me in a CareCredit financing agreement on the practice premises without providing any written disclosure of the credit terms at the time of signing. Specifically : No written disclosures were provided at or before signing. I was not given any documentation at the time of the transaction describing the interest rate, annual percentage rate ( XXXX ), repayment schedule, minimum payment obligations, deferred interest terms, or any other material credit terms required under the Truth in Lending Act ( TILA ), Regulation XXXX. I was told disclosures would arrive weeks later ; I was not sent any emails or sent home with any packets as I expected. When I asked about documentation, I was told verbally by office staff that I would receive the CareCredit card in XXXX to XXXX business days and that a letter from CareCredit would arrive approximately XXXX to 25 days after that. This does not constitute timely written disclosure as required by federal law. Regulation XXXX requires that the creditor deliver or mail required disclosures at the time of or before consummation of the transaction not weeks afterward. The signing process was conducted under deceptive conditions. During the signing of the financing agreement, the staff member physically covered the portion of the tablet screen displaying the document with her hand, preventing me from reading the terms before signing. I specifically asked, " I'll be getting a copy of all of this I'm signing, then? '' and was told yes. No copy of the credit agreement was provided at that time. I was not advised of my right to cancel. I was not informed at any point during the signing process that I had the right to cancel the agreement, nor was I given any documentation outlining a cancellation window. I have since initiated cancellation of the CareCredit account within the five-business-day period, but only because I independently researched my rights after leaving the office. I was a XXXX first-time dental patient attending an appointment alone. I was presented with a financing agreement following a stressful and confusing appointment, in a private office, with no written terms, no explanation of my rights, and no opportunity to review what I was signing. The manner in which this agreement was obtained including the physical obstruction of the document and the absence of any written disclosures raises serious concerns about whether informed, voluntary consent to the credit terms was possible under these circumstances.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and reporting of an account associated with Portfolio Recovery Associates that is currently listed on my consumer credit report. I have serious concerns regarding the handling of this account, including the apparent re-aging of the debt, inaccurate reporting of the date of last delinquency, and the improper dismissal of my prior disputes. First, I believe this account has been illegally re-aged. The reported date of last delinquency does not accurately reflect the original delinquency, which may be a violation of the Fair Credit Reporting Act ( FCRA ). Misrepresenting this date unfairly extends the time the account remains on my credit report and negatively impacts my credit standing. Second, I have previously submitted disputes regarding this account, yet I received what appears to be an automated or cursory response indicating that the account was verified without any meaningful investigation. This raises concerns that my disputes were not properly reviewed as required under federal law. I am entitled to a reasonable and thorough investigation of any disputed information. Additionally, the account number being reported is incomplete and does not provide sufficient information for me to properly identify or verify the debt. Without a full and accurate account number, I am unable to confirm that this account belongs to me. This lack of verifiable information further calls into question the validity of the reporting. Given these issuespotential re-aging, inaccurate delinquency reporting, inadequate dispute investigation, and incomplete account identificationI respectfully request that this account be deleted from my credit report immediately. If you choose to maintain this account, please provide me with the following : Documentation verifying the original date of delinquency Complete account number and full account details Proof that the account has not been re-aged A description of the investigation process used to verify this account If you are unable to provide this information, the account must be removed in accordance with the FCRA. Please confirm in writing that this matter has been resolved and that the account has been deleted from my credit file. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I would like to have XXXX XXXX XXXX account # XXXX, the date open with XX/XX/XXXX in the XXXX XXXX. Which was sold to Jefferson Capital systems account number # XXXX date open is XX/XX/XXXX the balance is a total of {$20000.00}. I called XXXX XXXX and told them Jefferson XXXX has contacted me and they didn't have all of the information and I should reach out to XXXX fo more information about a XXXX. I was told by Jefferson that the account had been sold to there account office and that is why they are calling me to collect so many times. I then requested a XXXX to be mailed form XXXX but they to me for the XXXX time they could not send me XXXX because they hadn't sold the account, and that was a lie. So why does Jefferson XXXX keep contacting me I asked I didn't given them my information and nor did I call them XXXX XXXX, I never approve for any of my information to be shared my name phone number email nor address which that was incorrect as well. I called them several more times to deal with the matter, then I was finally told they no longer have the account I have to deal with Jefferson so I said ok so you did sale in and you did give my info out and now can get my XXXX the call drop they hung up on me. I let them know that it was stated you didn't sale the account and according to my paperwork, the account had been charged off by XXXX XXXX XXXX. My request : So I am asking due to the accuracy of date, amounts incorrect, never received the XXXX for my IRS statement to correct can and more that both companies be removed for all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
So basically my card somehow either got skimmed without me knowing as the card has been in my possession the whole time. Mostly locked to avoid these type of issues. On XX/XX/XXXX an authorized charge of XXXX hit my account. On XX/XX/XXXX another charge of XXXX hit my account. On XX/XX/XXXX another charge hit my account of XXXX and on XX/XX/XXXX another charge of XXXX hit my account. I submitted a written statement and police report but my claim is still being denied after a few attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Repeated phone threats of legal action on a debt I do not owe and repeated denial for proof.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I tried taking out a loan from XXXX XXXXXXXX XXXX site. One of their representatives called me and we discussed the loan. He had someone from Chase Bank call me to give him permission to share my account info with them to make the deposit. Someone named XXXX XXXX called me from the local branch. I cross checked the number and it checked out. He told me to just allow the notifications that I got from my mobile app, so I did. Some money did go through but they asked me to send it back to them. That's when money that I had already paid my bills with began coming out of my account. Even after telling the bank about it, they still allowed more money to come out of my account. I have gone to Chase in person countless amounts of time, only be given the fraud number every time. The fraud department says that I don't have enough evidence to claim fraud. What I don't understand is why they kept the money to keep coming out of my account that I had already spent. I also do not have access to any banking systems or computers. How would I be able to do that? Shouldn't that be enough evidence. Chase has not been helpful at all. The account is still negative {$5500.00} and they are just leaving it that way. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
At the end of XX/XX/year>, I applied for the American Express XXXX XXXX card under my LLC with a welcome offer of XXXX points after {$20000.00} spend within first 3 months. I was given the offer and hence I accepted the application. A few days later, they sent me e-mail to confirm my address as my shipping address was different than my business address. I clicked on link and confirmed my address. I realized several weeks later, I had not received my card and got any further notification from them. I called customer support only for them to tell me I supposedly never replied to e-mail and that application was closed. They recommended I apply again ( although I was only offered XXXX point welcome offer at that point ) and then to call in afterwards to request the XXXX point offer. I did so and talked to a supervisor who sent me another e-mail so I could upload documents to show what the acquisition code was for the offer ( which I can't understand why AmEx can't look up this information themselves ). I did so, but realized he sent the e-mail but it was linked to an AmEx credit card I had already closed. I tried to follow-up numerous times talking to numerous representative and supervisors only to get the run around and was told they would get back to me but never did once. With the last call, the rep said she would get back to me same day after she talked to her supervisor. I called back 2 days later when I didn't receive the call back. I couldn't speak to that rep, but the other rep messaged her and she messaged back that her supervisor told her that she was not to communicate with me anymore. She also said she called me back on the original day which was also a lie ( I have no missed calls or voicemail from her ). AmEx screwed over my colleague for his welcome offer too which was an even worse situation. AmEx seems to have a modus operandi of falsifying info and misrepresenting and the XXXX should discipline them. This is not acceptable for consumers. Both my colleague and I spent over {$20000.00} on the card expecting we would get the XXXX point welcome offer. At least I currently will still get XXXX points but my colleague is getting XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
This complaint is against U.S. Bank regarding fraud claims and dispute cases that I attempted to withdraw after realizing the transactions were legitimate. I initially reported several transactions from merchant XXXX XXXX XXXX as unauthorized because I did not recognize them at the time. The transactions included charges on : XX/XX/year> ( {$28.00} ), XX/XX/year> ( {$26.00} ), XX/XX/year> ( {$27.00} ), XX/XX/year> ( {$29.00} ), XX/XX/year> ( {$27.00} ), XX/XX/year> ( {$25.00} ), XX/XX/year> ( {$26.00} ), XX/XX/year> ( {$28.00} ), XX/XX/year> ( {$26.00} ), XX/XX/year> ( {$25.00} ), and XX/XX/year> ( {$26.00} ). After reviewing the transactions more carefully, I realized that these charges were legitimate and had in fact been authorized by me. I immediately contacted U.S. Bank and informed them that the transactions were not fraudulent and were made by me personally. This was done before the bank issued its final fraud determinations dated XX/XX/year> and XX/XX/year>. Despite this, U.S. Bank still finalized the fraud claims and issued final notices stating that the transactions had been determined to be fraudulent and that provisional credits totaling {$210.00} and {$84.00} were final. Since then, I have contacted the bank multiple times by phone and in person requesting : * correction of the fraud classification, * explanation of why the transactions were still processed as fraud after I informed the bank they were authorized, * correction or removal of the fraud-related reporting associated with the company involved in these transactions, * and written confirmation once the issue is corrected. The bank repeatedly stated that the issue would be corrected, but no meaningful action has been taken. As a result, I lost access to a service that I regularly use to help obtain work opportunities and income, causing financial harm, lost time, and ongoing disruption. I am requesting : * immediate correction of the fraud classification, * correction or removal of the inaccurate fraud-related reporting associated with these transactions, * written confirmation that these corrections have been completed, * and review of the financial harm caused by this situation, including loss of access to services used to obtain work opportunities and income, lost time, and other related damages resulting from the banks failure to timely correct the issue after being notified.

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 2026-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation
State: AL

Complaint narrative:
Company repeatedly call my job after being told to only communicate with me via email or cell phone. XX/XX/26 I sent a email stating to only contact me via email. XX/XX/26 I spoke with a representative via phone after phone calls to my job kept happening.

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 2026-05-06 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am filing a complaint regarding an improper setoff of {$2100.00} by Navy Federal Credit Union from my checking account. On or about XX/XX/year>, funds were transferred from my XXXX account into my Navy Federal account. These funds originated from VA disability benefits, which are federally protected under 38 U.S.C. 5301. Shortly after the transfer, Navy Federal applied {$2100.00} of these funds toward a credit card balance without my authorization. These funds were directly traceable to VA disability benefits at all times. Federal law explicitly protects VA disability benefits from attachment, levy, or seizure. The transfer of funds between accounts does not remove their protected status when they remain identifiable and traceable. I contacted Navy Federal through chat and written communication to dispute this action. I requested : Reversal of the {$2100.00} setoff Explanation of the withdrawal Confirmation that this matter was reviewed by their Compliance or Legal Department Navy Federal refused to address the dispute and instead directed me to contact their collections/recoveries department. This is not a collections issue. This is a compliance issue involving federally protected funds. Navy Federal has failed to properly investigate or respond to my dispute regarding the improper taking of protected VA disability benefits. I am requesting : Immediate reversal of the {$2100.00} setoff Restoration of the funds to my account Written confirmation of corrective action Review of this matter by Navy Federals Compliance or Legal Department If this matter is not resolved, I will pursue further regulatory and legal remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I received confirmations both by email and over the phone from XXXX XXXX XXXX stating that they had received the equipment I returned to them. I never even opened the equipment box, and the account/service was never activated. I returned the package exactly the way I received it. Even after the return, I continued receiving charges related to a non-return equipment fee. However, XXXX XXXX XXXX representatives repeatedly told me by phone and email not to worry and to ignore those notices because they were automatic system-generated messages. Now, to my surprise, in XX/XX/XXXX, I am being contacted by a collection agency regarding a debt that I do not owe. I dispute this debt and request that this matter be investigated and corrected immediately.

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one XXXX On XX/XX/year>, I purchased a changeable round-trip ticket for travel from XXXX to XXXX on XX/XX/year>, and from XXXX to XXXX on XX/XX/year>. On XX/XX/year>, I contacted Capital One XXXX customer service at XXXX to request a change to my XXXX to XXXX return flight for XX/XX/year>. However, the representative incorrectly changed my flight to XX/XX/year>, instead of XX/XX/year>. I was charged through two separate transactions : {$110.00} and {$360.00}, for a total of {$470.00}. On XX/XX/year>, I contacted customer service again to correct the issue. They reverted the return flight back to the original date of XX/XX/year>. However, the {$470.00} charged on XX/XX/XXXX was not refunded to my account. I subsequently filed disputes for both transactions : Case # XXXX for {$110.00} Case # XXXX for {$360.00} Afterward, I made multiple additional attempts on XX/XX/XXXX and later dates to change the flight correctly, but I was repeatedly informed that they could not make the change. I requested escalation to the complaints department and asked for a transcript of the calls, but they denied providing the transcript due to company policy and did not offer any resolution. As a result of the unresolved issue, I was forced to purchase a new flight on XX/XX/year>, at a cost of {$940.00}.

Company response to consumer: Closed with monetary relief