vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
To Chex systems report, I am a victim of XXXX XXXX. I am writing to formally dispute fraudulent information appearing on my Chex systems consumer file. The account ( XXXX ) listed below do not belong to me and resulted from the unauthorized use of my personal identifying information following a data breach. FRAUDULENT ACCOUNT INFORMATION TO BE BLOCKED : Financial Institution : PENNSYLVANIA XXXX EMPLOYEES CU Routing/Account Number : XXXX / XXXX Reporting XXXX " Furthermore, I have contacted PENNSYLVANIA STATE EMPLOYEES ' XXXX directly regarding this XXXX. The institution has informed me that they have no record of any such account in my name or associated with my Social Security Number. Since the furnisher can not verify the existence of this account, it is patently inaccurate and must be removed immediately. '' LEGAL DEMAND PURSUANT TO FCRA 605B ( 15 U.S.C. 1681c-2 ) : In accordance with Section 605B of the Fair Credit Reporting Act, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt of : Appropriate proof of the identity of the consumer ; A copy of an identity theft report. I have enclosed both my FTC Identity Theft Report XXXX and copies of my government-issued identification and proof of residence. I demand that you immediately block this fraudulent information from my file and notify the furnisher ( the financial institution ) that this information is the result of identity theft. Please provide written confirmation once the block has been placed and the account has been removed from my file. 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 2026-04-16 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: OK

Complaint narrative:
I made a car payment in the amount of {$360.00} on XX/XX/year>. The funds were immediately deducted from my account balance of {$690.00}. I contacted cashapp when this payment failed for answers as to why this payment did not go through even though the amount was immediately deducted from my total balance. Cashapp claimed I had insufficient funds. I provided screenshots of my balance before and after making this payment and they said that the funds were on hold and would be released back to my account in XXXX days. I followed up with them when the amount did not return to my balance XXXX days later and they claimed the funds were never removed. I again provided photos and asked them to fully review the account history/activity and to provide information showing the available balance after each transaction. Cashapp did not provide this information and continued to argue that the funds were not removed. I never received the funds back to my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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 ccount with chime and do criminals finding more ways to access every ones private and secure information they have the abilty to hack accounts and use money or credit that its theres and thats what happen to me im missing thousands of dollara and chime has XXXX times denied my dispute stating the was no error made on my account and there for they are denying my request and have no proff or valid reason for how they came up with there decision. My money was stolen from me frok my chime accoint and i want my XXXX XXXX XXXX XXXX dollars back immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2026, {$250.00} XXXX XXXX. I paid it and I got it but not happy because not work so I decide return and request refund. I been wait longs until XXXX decide refused give me back refund but I already returned package to XXXX XXXX. I did print label ship too. So I decide report Citi credit card too because I did open dispute other case. Citi decide denied my case. XXXX mad. So I did explain what happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the month of XXXX of XXXX Bank of America accidentally closed all my account including checking account and credit cards. My online access was immediately XXXX and and statements ever followed. I called BOFA and requested that my payment for the credit card be refunded as I did not know they had made a decision to close my card and I would not have had made a full payment had I known about their decision. Came XXXX and I saw my credit bureau report showed a XXXX delinquency. After which a few letters followed from creditors that they had closed my other credit cards. I called BOFA right away and asked them why they had reported me late for something I was not late for. naturally they had no idea until after XXXX transfers XXXX person dug deep into the matter and found out that they had made a mistake as the refund for the credit card hey had deposited into my checking account was as of XX/XX/XXXX, therefore it had not been 60 days as of the date of the deposit. Long story short, he promised to send a letter showing no delinquency as well as reponed my checking account together with the online access. To be on the safe side he asked me for a monthly payment of the balance of {$16.00}, XXXX which I paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: TX

Complaint narrative:
I had a 0 % promotional APR and autopay set up. I was making payments regularly but did not realize I was only paying the minimum. When the promotion ended, a very high interest rate ( around 37 % ) was applied, resulting in significant unexpected interest charges. I have now fully paid off the entire balance. This was an honest oversight, and I would have paid it off earlier if I had been aware. I respectfully request a goodwill review and consideration for a partial refund of the interest charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app was letting other people take .y money or fraud and would not get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX I went to withdrawal money from XXXX XXXX thru and was told I didnt have enough money for this transaction. I knew better. I went inside and sat with XXXX at BECU and went through bank statements and realized a lot of charges posting to XXXX from my account totaling {$40000.00} starting on XX/XX/XXXX. These are all unauthorized transactions. My XXXX account is connected to a different bank account not my business account. XXXX told me there would be an investigation and I needed not go to the police. On XX/XX/XXXX a provisional credit of {$33000.00} was put in my account after I was notified by email. On XX/XX/XXXX another email from BECU stating The provisional credit that was previously applied to your account will be adjusted. An amount of {$14000.00} will be reversed on XX/XX/XXXX. You will have full use of the funds until the reversal. XXXX disputing this reversal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: FL

Complaint narrative:
On XX/XX/year>, I initiated an instant transfer of {$270.00} ( {$260.00} after the {$4.00} fee ) from my PayPal balance to my linked XXXX debit card ending in XXXX. The funds never reached my destination account. I filed a formal Regulation XXXX dispute with PayPal for a missing/incorrect electronic fund transfer ( Case ID : XXXX ). PayPal closed my dispute on XX/XX/year>, claiming their internal trace ( XXXX ID XXXX ) showed the transfer was successful. However, the receiving institution confirms the funds are not in my account. To reopen the investigation, PayPal 's XXXX XXXX is now demanding a highly specific, custom-typed " exception letter '' from my bank 's back-office operations explicitly stating the funds are missing. Because my receiving bank is a digital-only fintech application ( XXXX ) , they do not have the infrastructure to generate custom back-office exception letters and have explicitly refused to provide XXXX. I have provided PayPal with my official bank statements and secure application screenshots proving I own the card ending in XXXX and showing the complete transaction ledger that proves the {$260.00} was never credited. PayPal rejected this standard, valid documentation. PayPal is holding my funds XXXX and using impossible documentation requirements to deny my valid Regulation XXXX claim for missing funds. I can not force a third-party fintech app to generate custom paperwork they do not offer. This missing transfer has caused a severe negative balance and financial hardship. I am requesting that PayPal honor my provided statements and issue an immediate manual credit of {$260.00} to my account to resolve this uncredited transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I contacted LVNV to provide me information and signed documents of this account and. I have done this several times since XX/XX/year> to present. They have been unable to provide me this information. Total {$300.00} I came to find out about this when I applied for the parent plus loan for my children to attend college under the law 15u.s.c 1681 I need this removed so my children can attend college. This debt with this collection agency Is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 - DiXXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX my chime saving and checking account was closed without notice and I was restricted access. After calling chime to see what was the problem they told me they could not give me anything personal information and said I would recieve a check with my remaining balance. Ok after getting nowhere asking all the questions I could I asked the agent what was the remaining balance. The agent told me my remaining balance was XXXX less than what I had in my account and this when I got upset because no way you close my account and tell me you are going to send me a check with the wrong amount and cant tell me anything else. I tried to get XXXX different agents to help me but that resulted in me getting hung up on and the agents saying that was all they could do. I call 3 days straight and got XXXX different closing statements. Upon day XXXX I called the fraud department because the last XXXX transactions were NOT on the previous closing statement the agent sent me the previous day and I tried to explain that those transactions were not of my knowledge and how I did not even access chime that day. The transaction were XXXX transfer from my saving account XXXX tranfer from my credit builder and XXXX sent to this account reference to XXXX XXXX. I tried to explain to the agent I was not told anything about a transfer yesterday and I did not get this closing statement yesterday. I have no knowledge of who XXXX XXXX could be and again I did not do this. The agent gave me no information and told me I would have to contact the other end when I have no idea. The agent hung up in my face after pleading with him that I know its something he can do on his end. He can see that I did not access chime on XX/XX/XXXX from my device, he can see more details or maybe even reverse this transaction but with my account being suddenly closed and with no option to dispute I am depending on him to fix this. Here I am day XXXX extending my hand trying to get help because at this point chime stole my money because how do you guys just close my account without notice then tell me some crazy stuff like its nothing you can do. When I put my trust in your financial institution to secure my funds. Chime stole XXXX from me at XXXX in the morning closed my account restricted and basically telling me XXXX get whatever they send me in the next 30 days. I am livid & hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>, {$190.00} XXXX XXXX. I paid it and I got it but not happy because not work so I decide return and request refund. I been wait longs until XXXX decide refused give me back refund but I already returned package to XXXX XXXX. I did print label ship too. So I decide report Citi credit card too because I did open dispute other case. Citi decide denied my case. Im mad. So I did explain what happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by LVNV under Account # XXXX * * * *. Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within XXXX days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only XXXX in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per XXXX U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: CA

Complaint narrative:
ADP XXXX XXXX is preventing me from accessing my own XXXX ( k ) account due to a broken multi-factor authentication process. The phone number on file with my account is disconnected and is no longer in my possession. I have updated the account with a new number that should be the new XXXX method. I have attempted to reach the individual who now holds that number with no response and honestly who would respond to anyone asking for a phone code to an old phone number they used to have. I have contacted ADP XXXX XXXX multiple times through their standard support channel at XXXX. My employer has also attempted to resolve this on my behalf and has been unsuccessful. XXXX support has not offered any alternative identity verification path, including the notarized identity affidavit process that ADP maintains for situations where phone-based XXXX is unavailable. I am currently unable to log in, initiate a hardship withdrawal, take a XXXX ( k ) loan, update my contact information, or perform any account action that requires XXXX. I have a documented financial hardship with a deadline of Friday, [ DATE ], and ADP 's failure to provide a reasonable alternative identity verification path is directly preventing me from accessing my own funds. This is a retirement account governed by XXXX, and the plan XXXX has a fiduciary obligation to ensure participants can access their benefits. ADP, as the recordkeeper, is functionally blocking that access by refusing to offer or execute documented alternative verification procedures. I am requesting the following. XXXX escalation to XXXX XXXX XXXX compliance and a direct point of contact assigned to my case. Execution of the notarized identity affidavit process or equivalent out-of-band identity verification. Reset of XXXX and restoration of full account access within a timeframe that allows me to meet my financial hardship deadline. My ADP account is under XXXX XXXX XXXX, XXXX on file can be given if contacted, associated with employer VeteranAI. I can provide any additional identifying information required through a secure channel.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Within a year now this XXXX debt collection has affected my credit score. I am not liable for this debt. This debt is not mine and didnt belong to me. Ill appreciate for this collection to be removed through my Equifax account so I can have better access to my credit report with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: CA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX XXXX regarding XXXX unusual transactions totaling {$3700.00}. I immediately locked the card and reported the charges to TD Bank XXXX XXXX. While I was initially told the charges would be investigated and credited, I discovered on XX/XX/year>, that the largest transaction ( {$1400.00} ) was debited back to my account. TD Bank claimed I benefited from the transaction because an email confirmation was sent ; however, if such an email existed, it was lost in the high volume of spam I received that day. Upon further investigation, I discovered the following : - The charges were linked to a travel website for hotel stays in XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; and XXXX, XXXX. - The travel site denied my dispute because the individual using my card had already completed the stays. - My daytime phone number on my TD Bank profile had been unauthorizedly changed to an XXXX number. I have since updated my login credentials and contact information. Please note that I do not possess a passport, have never traveled outside of XXXX XXXX, and did not authorize these purchases. I do not know anyone named XXXX XXXX, and I never authorized him to make purchases on my card I have disputed this charge XXXX times, but TD Bank has denied my requests. They do not contact me, nor do they allow me to email my supporting documentation. They only have a fax number to send the documents. I have tried several times, but it's been busy, or I get an error code.

Company response to consumer: Closed with monetary relief