vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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:
Ok around XX/XX/year> I noticed my account was missing {$620.00} from multiple charges back to back for {$9.00} and {$19.00} so many that it would be impossible for me to use that card that much anyways they denied my dispute I asked for the determining documents on how they determined my case they never returned my calls or emails that's why I'm here to try and get this resolved. I had a device that went missing around the same time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had a product to sell as TV on XXXX XXXX XXXX with the value of {$200.00}. A member comes on XXXX XXXX XXXX and informs me that # {$200.00} has been transferred to the XXXX business account and i also get the email confirmation. You have a pending payment of {$200.00} USD from a recent payee because this amount seems to be above your balance limit and the status of your XXXX account is not a business account. For Assistance, contact the support number below ; XXXX ( XXXX ) XXXX Contact the payer to send an additional payment of {$500.00} USD Once the additional payment is received you will receive a confirmation email And the total amount of {$700.00} USD will be deposited into your account with no further delay. You have received an additional payment of {$500.00} USD from ( buyer ) funds is now safe with us and for safety reasons, the additional payment has to be refunded for your account to be fully credited with the total sum of {$700.00} USD. He has chosen to be refunded the sum of {$500.00} USD through XXXX or another payment method Hence instead of receiving {$200.00}, i have transferred {$500.00} to the person with the name of XXXX XXXX and the number XXXX. This is a complete fraud and has to be taken up seriously by the federal department

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am trying to cancel service with Paypal- the computer money transfer service. They refuse and will not allow me to cancel their access to my bank or debit card. If there are fraudulent claims processed on my account I have no protection against that now because they have access to my personal bank information against my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
XXXX XXXX, 2026, my wife sent an online payment to the wrong credit card company ( Citibank XXXX credit card ) from our checking account with XXXX XXXX. This payment was supposed to go XXXX card services. The amount was {$14000.00}. Citibank cashed the check on XXXX XXXX, XXXX, and it was debited from our account. Since XX/XX/XXXX we have had multiple calls with Citibank with no luck. Our issue is the credit card the payment was sent to an account that was closed over 10 years ago and they have no record or our name, the account number or our social security numbers in their system, but they cashed the check. We have proof with their ( Citibank 's ) stamp on the back of the electronic check from XXXX. We have also had multiple phone calls with XXXX who is trying to help on our behalf, but Citibank will not speak to them directly. We have opened 2 different disputes and have recently tried a 3rd attempt through XXXX XXXX response. Citibank phone calls just send us through a phone tree of passing us to the next person and eventually telling us our bank has to handle it, and one time even just hung up on us. When XXXX tried to handle it, Citibank said the opposite : That we had to handle it ourselves. I have 4 attempts from XXXX in writing : XX/XX/XXXX, and XX/XX/XXXX and XXXX. Our most recent conversation was XX/XX/XXXX when they tried a 3rd attempt at resolution response but we have not heard an update. Contacting Citibank with no current account number and no history of us in their recent system has gotten us nowhere. Again, we have proof Citibank cashed the check on XX/XX/XXXX. Our money must be in holding somewhere at Citibank, and we just need to recover it.

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 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I discovered I had been the victim of bank fraud involving my Capital One savings account. I opened my account online today to retrieve checking information for tax filing purposes. Upon reviewing my savings balance, I noticed my funds were considerably lower than expected. Upon further investigation I discovered two unauthorized biller-initiated check payments processed against my savings account without my knowledge or authorization : XX/XX/year> Check # XXXX Biller Initiated Check Payment {$8500.00} XX/XX/year> Check # XXXX Biller Initiated Check Payment {$3200.00} Total Fraudulent Amount : {$11000.00} Both transactions appear as " Biller Initiated Check Payments '' associated with XXXX ( per Capital One customer service; I am unable to see details ). I did not authorize either transaction. I have never owned a checkbook for this savings account and have never had check-writing privileges on it. I did not authorize any biller to initiate payments from this account. I use this account primarily for personal savings and to manage rental property funds. I have never conducted business with XXXX or any related service from this account. Upon discovering the fraud I immediately contacted Capital One. I spoke with Manager XXXX at XXXX. She advised her department could not assist with fraud claims and that my case would need to be handled by the XXXX XXXX Department, which was unavailable this evening. She advised she would suspend my account. I will contact Capital One 's XXXX XXXX Department on XX/XX/year> to formally open a fraud claim. I believe an unknown third party obtained my account and routing number and used that information to initiate fraudulent ACH payments disguised as check transactions against my savings account. I am requesting a full investigation and ask that a case number be assigned to my report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
I need debt validation. send me a detailed list of history of payments made by me on this account. I need to see a signature on this account guaranteeing that I will pay this creditor. Im asking to see if there has been any insurance claimed filed on this debt. I want proof that you have a chain of title to collect in this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: PA

Complaint narrative:
On or about XX/XX/year> My step dad sent me two payments for XXXX $ each. Totaling XXXX $ and at the same time the money was sent my XXXX card was changed without my authorization and the money was sent to a card I never seen ending in XXXX then a min later he sent again XXXX $ and it was intercepted again to card ending in XXXX. I tried to reverse the payment but it didn't work. I then reached out to metpay support witch is only XXXX and was unable to get any help at all I made several complaints and am never contacted. I called them on the phone and spoke to someone and made a claim and she said someone would reach out when they review the claim bit nobody ever did. I did this twice. These claim are about transaction XXXX for XXXX $ and transaction XXXX for XXXX $ these funds should have went to my XXXX but were sent to a card ending in XXXX I did not authorize this it was fraudulently changed thru some kind of account takeover thru metapay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Hunter Warfield , Inc . XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Cease Communication ( 15 U.S.C. 1692c ) To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. I do not acknowledge this debt and request full validation as provided under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights under federal law, I request that you provide the following : 1. The amount of the alleged debt, including any fees, interest, or charges. 2. The name and address of the original creditor. 3. Copies of any documentation bearing my signature that proves I am legally obligated to pay this debt. 4. A complete payment history, including how the amount was calculated. 5. Proof that your agency is authorized to collect in my state. Additionally, under 15 U.S.C. 1692c, I request that you cease all communication with me regarding this matter except to provide the requested validation or to inform me of specific legal action. If you fail to provide proper validation, you must cease collection efforts and remove any negative reporting related to this account from all credit reporting agencies. Please note that any attempt to collect this debt without proper validation may constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. I request that all future correspondence be made in writing to the address listed above. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/year> Charged off as bad debt credit limit {$200.00} Balance {$350.00} I have tried to dispute this with TransUnion with no resolution this is being reported as inaccurate and unverifiable information and I would like for it to be removed it is the result of identity theft Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four busine ss days and to promptly notify the furnisher ( s ) of that information.

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 2026-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I used my card normally to do a little shopping. Once I made it home, I realized my card wasn't working anymore while trying to make a purchase for videography services. I spoke to a representative who told me they had to disconnect my phone call and call me right back, which was very odd. I obliged. After the call back, I was told that a text message needed to be sent. I obliged that request as well. After about ten minutes, I was finally asked why I was calling. After I explained my dilemma, I was told he couldn't assist me. Since then, I've tried calling back, only for the hold time to be XXXX minutes. I'm XXXX years old and the way I've been handled and discarded by Bank of America is truly a shame. I'm elderly and I live alone. Please help, I don't have children to look after me and handle certain things, especially when dealing with rude children taking calls.

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 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX social security ending XXXX, XXXX XXXX have not been able to access any of my Wells Fargo financial services. Their Wells Fargo online message portal is unusable and some Wells Fargo reps may be aiding and abetting in identity theft. I expect a clear response on how to access my own Wells Fargo financial products and services.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
I am filing this complaint regarding Cavalry Portfolio Services continued reporting and collection activity on an alleged debt that has never been properly validated, despite my timely written request. On XX/XX/year>, Cavalry Portfolio Services received my written request for debt validation, sent via certified mail. In that request, I specifically requested full validation of the alleged debt, including documentation establishing ownership and chain of title, the original creditor agreement, and a complete account-level transaction history. Cavalry Portfolio Services did not provide the requested validation and did not respond to my written request in any form. Instead, they continued collection activity and furnished information regarding this account to consumer reporting agencies. Additionally, the account has been reported with dates and status information that appear to have been updated or backdated in a manner that does not reflect an accurate or properly substantiated account history. This includes continued reporting activity after my validation request without first providing the required documentation to support the debt. By continuing to report and attempt to collect on this account without providing proper validation, Cavalry Portfolio Services has failed to comply with its obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This conduct is misleading and unfair, as it places negative information on my credit report without first verifying that the debt is accurate, complete, and legally enforceable. Continued reporting without validation raises serious concerns regarding the accuracy and integrity of the furnished information. I have retained copies of my validation request, certified mail delivery confirmation, and credit reporting records demonstrating this activity and will provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
My XXXX and I obtained a USDA Loan in order to purchase our very first Home. On, or about XXXX XXXX, 2026, we filed for Bankruptcy. The Loan Companies which are involved are Lakeview Loan and XXXX XXXX. We had an Attorneys Office contact us XXXX days ago, inquiring about the Mortgage Payment Amount. The amount quoted was incorrect and when I began going through some of the documents, I realized that there are XXXX separate Mortgage Payment Amounts. Since the end of XXXX to the beginning of XXXX, we have had several issues while trying to communicate with XXXX XXXX about our Mortgage. Now that we have filed Bankruptcy, we are dealing with even more discrepancies and complications.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My aunt and uncle sent a XXXX transfer from XXXX XXXX to Citibank. The XXXX was debited from XXXX XXXX and marked as delivered to Citi on XX/XX/year> Citibank kept giving me the run around and telling me conflicting answers, I heard XXXX, XXXX and now its been almost XXXX which is unacceptable. I called XXXX and they confirmed that Citi has the amount but they are not making it available to me. Citibank customer service lies and said theres nothing they can do and that its not their fault, which doesnt seem to be the case as XXXX and XXXX XXXX says it has been delivered to them.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I have never done business with this company. I also did not give credit one my permission to sale my information. I checked the box DO NOT SELL INFORMATION. I also have a cease and desist letter to all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
This is a follow-up to the response provided, which remains insufficient and raises additional concerns regarding the accuracy of the alleged debt. The documentation submitted is incomplete and appears to be selective. While photographs and an expired lease were provided, Phoenix Recovery Group failed to include the move-in inspection form, which documents the condition of the unit at the start of tenancy. This document is critical in determining whether any alleged damages were pre-existing. Without it, there is no way to establish that the charges being claimedparticularly the {$2400.00} paint chargeare valid or attributable to me. Additionally, no itemized move-out statement, receipts, or cost breakdowns have been provided to support the amounts being reported. The failure to include key documentation while attempting to collect and report a balance raises serious concerns about the accuracy and completeness of the information, which may constitute violations of the FDCPA and FCRA. I am requesting full documentation, including the move-in inspection report, itemized charges, and supporting evidence. If this can not be provided, the account should be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WI

Complaint narrative:
Cash app closed my account in XXXX of 2024! My cash app account was connected to my phone and my gaming apps. My son at the time age XXXX was playing the game on my phone, making purchases on XXXX XXXX! I just received a payment of {$200.00} bucks from a relative for a service i did for her hair. I let my son play the game on my phone as I showered! I tried to dispute the transactions and they closed my account said it was fraudulent activity! When clearly they seen the money sent to my account, then spent in literally minutes on XXXX XXXX! They said fraudulent with no explanation or proof! I had that account for years and they closed it instead of fixing the issue at hand!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC / Resurgent Capital Services regarding a collection account appearing on my credit report with a balance of {$400.00}, originally from a XXXX XXXX XXXX store card issued by XXXX XXXX. This account is being reported with an open date of XXXX. This is not the original date of the account this is the date LVNV Funding purchased or assumed the debt. This practice is known as re-aging and is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that the date of first delinquency reflect the original delinquency date not the date the debt was sold or transferred to a new collector. This debt is old and I believe the true date of first delinquency exceeds the 7-year reporting period permitted under the FCRA. By reporting XXXX as the open date, LVNV Funding is illegally extending the life of this account on my credit report beyond what federal law allows. I have previously disputed this account with all three credit bureaus. XXXX responded stating the account was verified however the verification did not address my specific concern about re-aging or provide the original date of first delinquency. I am requesting that the CFPB investigate this account and require LVNV Funding to provide documentation of the original date of first delinquency. If they can not provide this documentation, I am requesting that this account be deleted from all three credit bureaus immediately. This inaccurate reporting is negatively impacting my credit score and my ability to qualify for a mortgage.

Company response to consumer: Closed with explanation