vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My wallet was stolen XXXX XX/XX/year>. XXXX fraud/unauthorized charges were made via my Venmo debit cared for {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$480.00}. The police found my wallet dumped along with several others in the street the following morning. I filed a police report XXXX morning XXXX when they found my wallet with the XXXX who found it. I promptly contacted Venmo the same morning and reported the stolen wallet and card and they provided me a new one and cancelled the old card. I had to wait to file the dispute until they were out of pending. I filed dispute on XXXX and XXXX. I offered to provide police report and case # to Venmo and they did not want to take them. They denied my unauthorized claim and refused to provide info on why. I trusted Venmo with my funds and they seem unwilling to assist with handling the claims. I wish to file with CFPB as they are not taking the claims seriously and it seems are allowing fraud to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: NE

Complaint narrative:
I uploaded my check XX/XX/XXXX and was told 1-3 business days. It has since made it to XXXX XX/XX/XXXX and no deposit. But have received several different timelines as to when I would have it, such as, chat support and call support and nothing had been valid. So basically, my money is just floating in the wind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I filed a dispute with Robinhood regarding a transaction. After a long delay, they responded stating the dispute was resolved against me, but provided no explanation, documentation, or evidence. I requested supporting documentation and reasoning, but they refused and directed me back to a generic email with no details. Robinhood has failed to provide basic transparency required to validate the charge or their decision. I am requesting all documentation related to their investigation and a proper explanation of how this decision was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am filing a complaint against Chime regarding denied fraud claims. I received a phishing text message posing as the XXXX XXXX. I unknowingly entered my debit card information on a fraudulent website. Shortly after, unauthorized transactions totaling {$370.00} were made using my card. I did not authorize these transactions. I reported the issue to Chime immediately, but my dispute has been denied three times. Chime is incorrectly treating this as an authorized transaction, even though my card information was stolen through fraud. Under Regulation E, I am requesting that these transactions be properly investigated as unauthorized electronic fund transfers and that I be reimbursed. I am seeking a full refund of {$370.00} and a proper fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I disputed a {$330.00} charge for a rental that was unavailable. The dispute was eventually approved for a full refund after multiple attempts and a prior CFPB complaint. However, only {$230.00} was refunded. The institution claims a prior {$100.00} credit was applied toward the refund. This is incorrect. The {$100.00} credit was for a separate deposit transaction, not the disputed {$330.00} charge. As a result, {$100.00} of the approved refund remains unpaid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This letter serves as a formal dispute of the above-referenced account currently being reported by Transworld Systems , Inc. in the amount of {$140.00}. I never received the required written notice within five ( 5 ) days of your initial communication, as mandated under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act. Your failure to provide this notice constitutes a direct violation of federal law. This alleged debt is disputed in its entirety. DEMAND FOR VALIDATION ( Pursuant to 15 U.S.C. 1692g ( b ) ) You are required to cease all collection activity and credit reporting until proper validation is provided. Provide the following : Name and address of the original creditor Full accounting of the alleged debt Date of default Date of charge-off Complete payment history Copy of the original contract bearing my signature DEMAND FOR PROOF OF OWNERSHIP & STANDING As you are not the original creditor, you must prove lawful ownership and authority to collect and report. Provide : Purchase and Sale Agreement Forward Flow Agreement Bill of Sale Account-level assignment identifying my specific account Complete chain of title from the original creditor to Transworld Systems XXXX XXXX XXXX Any agreement granting authority to collect, enforce, and report Courts have made clear that possession of data is not ownership. Failure to produce account-level documentation means no standing exists. NOTICE REGARDING CREDIT REPORTING If you continue reporting without proper validation, you may be violating : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g ( b ) Continuing collection without validation 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation under the Fair Credit Reporting Act Reporting information you can not substantiate constitutes inaccurate furnishing. DEMAND FOR DELETION If you can not provide the requested documentation within 30 days, you must : Cease all collection activity Delete all credit reporting related to this account Provide written confirmation of deletion NOTICE OF INTENT TO ESCALATE Failure to comply will result in : Arbitration pursuant to governing agreements Federal litigation Claims for statutory damages under the FDCPA Claims under the FCRA Recovery of attorneys fees and costs This is not a refusal to pay, but a formal dispute requiring validation. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: VA

Complaint narrative:
On XX/XX/year> I tried to order food, and noticed almost all of my money gone when I went to unlock my Cash App card. XXXX separate transactions were made, XXXX for {$1000.00}, and another for {$880.00} that I DID NOT authorize. I called Cash App customer service and filed a report and they began an investigation. After a week, I checked on the progress of the investigation and found that both transactions say denied and completed and that the company, Cash App is not able to refund the money. I called back XX/XX/XXXX to see why it was denied and I was told after further investigating it was found that they were peer to peer transactions and they were authorized. That is UNTRUE and no one ever contacted me before coming to this decision. I do not know the XXXX people that have my money, nor do I know how they were able to steal it, and most definitely DID NOT authorize EITHER of those transactions, as I was just in an accident and the driver at fault totaled our cars, and that was my injury money to look for another form of transportation as well as part of my hard earned paycheck that I needed to pay rent and bills with, as well as buy groceries to provide for my daughter. I can't do any of that because Cash App refuses to refund my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Burke Costanza & Carberry LLP
State: IN

Complaint narrative:
I am filing a complaint against Burke Costanza & Carberry LLP regarding an alleged debt for {$270.00} on behalf of XXXX XXXX XXXX XXXX XXXX. I timely disputed this debt and requested full validation under the Fair Debt Collection Practices Act. In response, the firm provided only an internal billing ledger, which does not constitute proper validation of a debt. I then submitted a second written dispute clearly outlining the deficiencies and requesting specific documentation, including a signed agreement, proof of legal obligation, and documentation of their authority to collect. The firm failed to provide any additional documentation and instead re-sent the same materials, ignoring my dispute and continuing collection efforts. This constitutes a failure to properly validate the debt and continued collection activity without adequate verification. I am requesting that this account be : Properly validated with competent evidence, or Immediately closed and all collection activity ceased Additionally, if this account is being reported to any credit reporting agencies, I request its immediate removal. This conduct may constitute violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am disputing TD Banks denial of XXXX unauthorized transfers totaling {$14000.00} occurring between XX/XX/XXXX and XX/XX/XXXX. I was targeted by a bank impersonation scam where the caller spoofed TD Banks official number ( XXXX ). TD Bank has already acknowledged this event was fraudulent by issuing permanent credits for XXXX XXXX transactions equaling {$2000.00} total, and XXXX {$3700.00} XXXX XXXX transaction from this same session. However, they are inconsistently denying the remaining transactions that occurred under the exact same circumstances. On XX/XX/XXXX, I spoke with a representative named XXXX who verbally denied my claim. When I requested the investigative documentation, she stated there was none because it was internal. This is a direct violation of XXXX CFR XXXX ( d ) ( XXXX ), which mandates banks provide evidence used in an investigation upon request. Under XXXX CFR XXXX, Comment XXXX ( b ) XXXX, consumer negligence can not be used to deny a claim. Since the bank admitted fraud by crediting the {$3700.00} transaction, they are legally and logically bound to reimburse the remaining unauthorized transfers. I am seeking a full reversal of the denials and a copy of the investigative file. The fraud occurred on account XXXX, but the provisional XXXX XXXX credit I was given for some of the XXXX transactions were issued to my new account XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed up for an offer for XXXX through Capital One Offers for my Capital One XXXX XXXX credit card. The terms of the offer was simply to sign up for an account. Within XXXX hours, I completed the sign up, and received the welcome email from XXXX, providing all of the information requested. On XXXX XXXX, XXXX, I reached out to Capital One, and, after escalation, was told that the offer was marked ineligible on the merchant 's side. However, I have completed all of the steps as described, including providing personal information, such as my social security number, to create an account. Since then, XXXX has continued to send me emails, marketing or otherwise, so I find it difficult to understand why the offer was marked ineligible. I had only signed up with the assumption that I will receive points for this offer, especially considering the extent of the informationt that they request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, a solar installation loan for {$91000.00} was originated through Mosaic to finance a solar panel system installed by XXXX XXXX at a residential property in XXXX XXXX, NY. The loan was {$0.00} down, 100 % financed at 9.99 % APR. The solar panels were physically installed in XX/XX/XXXX. However, the installer never completed the project. No XXXX XXXXXXXX XXXX XXXX inspection was scheduled. No Permit to Operate was filed. No XXXX XXXX grid interconnection was completed. The system has never been operational and provides XXXX benefit. On XX/XX/XXXX, the full {$91000.00} was disbursed to the installer, confirmed by Solar Servicing 's own transaction history as an " Advance To Increase Balance. '' Mosaic filed for XXXX XXXX bankruptcy in XX/XX/XXXX. Solar Servicing LLC ( a subsidiary of XXXX XXXX XXXX acquired the loan servicing in XX/XX/XXXX. Since XX/XX/XXXX, the borrower has made 13 monthly payments of {$620.00}, totaling {$8100.00}. Every payment has been applied entirely to interest. {$0.00} has gone to principal. The balance remains {$91000.00}. The daily finance charge is {$25.00}. On XX/XX/XXXX, the installer ( XXXX ) falsely claimed the project was on hold because the lender never provided proof of funding. Solar Servicing 's records prove this was untrue. The full amount was disbursed in XX/XX/XXXX. On XX/XX/XXXX, we requested payment deferral from Solar Servicing given the system is non-operational. Solar Servicing denied the request, stating the loan obligation stands regardless of the system 's operational status. On XX/XX/XXXX, XXXX sent a mass email to customers announcing it ceased all operations effective XX/XX/XXXX. The NY Attorney General filed a lawsuit against XXXX on XX/XX/XXXX for defrauding thousands of homeowners. XXXX 's operating license was revoked by the NY XXXX XXXX XXXX in late XXXX. The borrower is a senior citizen on a fixed income paying $ XXXX for a solar system that was never made functional, installed by a company that received {$91000.00} and shut down, financed through a lender that went bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Its been over a year - since I paid all fees ( proof and statement available ) I have been waiting for a response regarding security deposit which I was owed, as well as an update with the collection company, who continue to give me the same response. Dear XXXX, Thank you for contacting Hunter Warfield regarding account number XXXX, Please note that our office follows the guidelines and regulations permitted by your state, therefore we have suspended collection activity and Credit reporting while we complete our investigation. Should you need to contact us for any reason, we can be reached by dialing XXXX or XXXX. Hours of operation XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Remitly regarding the permanent deactivation of my account without explanation. I recently received a message stating that my profile has been permanently deactivated on XX/XX/XXXX and that no further information would be provided. I have not engaged in any fraudulent or suspicious activity, and I was not given any opportunity to verify my identity, clarify transactions, or resolve any concerns prior to this decision. My account has been locked since XX/XX/XXXX, I emailed 4 times and called them and got no solution. They took 20 days to respond back to all my emails. This lack of transparency and inability to appeal or receive clarification is extremely concerning. As a consumer using a financial service, I believe I am entitled to understand the reason for such a serious action, especially when it impacts my ability to send money. I am requesting : XXXX. A clear explanation for why my account was permanently deactivated XXXX. A review of my account and the decision made XXXX. Any documentation or evidence used to justify this action I would like this matter to be investigated and resolved fairly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My online banking account was locked. I called customer service and wa son the phone for XXXX hours. They said they could not authenticate my account. I went to the bank. They were on the phone waiting for XXXX hours and kept getting transferred to another line. Nothing was resolved. I can back to the bank the next morning. The agent here has been on hold for an XXXX XXXX XXXX XXXX and this is still not resolved. They keep transferring her from place to place. I am beyond frustrated. This is leading me to cancel my accounts with this bank.

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 2026-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting this complaint regarding Wells Fargos refusal to reimburse or properly investigate a fraudulent wire transfer that occurred after my personal information was compromised in the XXXX XXXX XXXX data breach. On XX/XX/year>, my personal and financial information was used to gain access to my Wells Fargo accounts. A person unauthorized to act on my behalf accessed my banking information and initiated a wire transfer of {$4200.00} from my savings account. Around the same time, I received a spoofed phone call from someone pretending to be Wells Fargo. The caller stated that my account had been compromised, that a new card would be mailed, and that I needed to provide the security code that had just been texted to me. Believing I was speaking with Wells Fargo, I provided the code. Shortly afterward, the funds were moved out of my account. I immediately reported the transaction to Wells Fargo and submitted a dispute. My claim was later denied on XX/XX/year>. Wells Fargo advised, in substance, that it does not cover or reimburse wire fraud in the same manner that it handles ACH, debit card, or credit card fraud. This response is unacceptable. The transaction was unauthorized and was the direct result of fraud, account compromise, and social engineering by a spoofed caller impersonating Wells Fargo. I did not knowingly authorize a legitimate transfer to a known recipient. I was deceived by a fraudulent scheme tied to compromised personal information and unauthorized access to my account. I am asking the CFPB to require Wells Fargo to fully investigate this matter as unauthorized fraud, provide all records and findings relied on in denying my dispute, explain what security failures allowed my account to be accessed and drained, and reimburse my {$4200.00} loss. I also request that Wells Fargo be required to explain why it denied my claim despite clear evidence of impersonation, account compromise, and fraudulent inducement. Consumers should not be left without protection simply because criminals used a wire transfer after obtaining access through stolen personal information and spoofed bank communications. I am seeking reimbursement of the stolen funds, a complete reinvestigation, and a written explanation of XXXX XXXX denial and fraud-handling procedures for unauthorized wire transactions connected to account takeover and impersonation scams.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This letter serves as a formal dispute of the account reported by IC System , Inc. in the amount of {$330.00}. I did not receive the required written notice within five ( 5 ) days of your initial communication, as required under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act. This failure constitutes a violation of federal law. This alleged debt is disputed in its entirety. DEMAND FOR VALIDATION ( Pursuant to 15 U.S.C. 1692g ( b ) ) You must cease all collection and reporting until validation is provided. Provide : Name and address of the original creditor Full accounting of the alleged debt Date of default Date of charge-off Complete payment history Copy of the signed contract DEMAND FOR PROOF OF OWNERSHIP & STANDING As a third-party collector, you must establish standing. Provide : Purchase and Sale Agreement Forward Flow Agreement Bill of Sale Account-level assignment identifying my account Complete chain of title Documentation showing authority to collect, enforce, and report Without this, you lack legal standing. CREDIT REPORTING VIOLATIONS If reporting continues without validation, you may be violating : 15 U.S.C. 1692e 15 U.S.C. 1692f 15 U.S.C. 1692g ( b ) 15 U.S.C. 1681s-2 ( b ) under the Fair Credit Reporting Act DEMAND FOR DELETION If validation can not be provided within 30 days : Cease collection Delete all reporting Confirm deletion in writing NOTICE OF INTENT TO ESCALATE Noncompliance will result in : Arbitration Federal lawsuit Statutory damages under FDCPA FCRA claims Attorneys fees and costs This is not a refusal to pay, but a dispute requiring validation. Govern yourselves accordingly.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime bank. I had an unauthorized charges of {$100.00}, I even sent them a screenshot of my purchase history from my own XXXX and they called me liars and said I made the transaction even with the proof that it wasnt me. Ive open the case twice now and both got denied, I was to toe legal action now

Company response to consumer: Closed with explanation