vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Money was taking from my accountI do not know who is the individual it say XXXX, Georgia on their chime account.I live in California. I do not know who they are. I am A victim of fraud and scam I have called trying to dispute it. They keep denying it. I have tried to request money back they refuse. I have made a police report. And all they keep saying were deny due to no error there is a ERROR. My money was taken from me. I just trying to get my money back. Chime refuses to give it to me the person that took it is refusing to give it to me and for Chime to allow people to scam and fraud is unacceptable. And for trying to be a part of money laundering to giving people other people hard earn money is unacceptable. I have already pressed charges on this individual, but I dont know them so all I could go based on is the information thats on Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: LIVE OAK BANCSHARES, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding XXXXXXXX XXXX XXXX. My account with them has been closed, yet they have not released my remaining balance of approximately {$950.00}. Despite the account being closed and unusable, XXXX XXXXXXXX XXXX continues to charge me {$10.00} maintenance fees, including XXXX deducted today. I have attempted to resolve this directly with the bank, but I have been unable to get my funds returned. I believe this is an unfair business practice, as the bank is charging fees on an account I can not access and withholding my money without valid explanation. I have been told that funds would be released after XXXX days from XXXX, it is now XXXX and nothing has been released yet. 

Impact : This has caused financial hardship and delays, as I need full access to my own funds. The continued deductions are reducing my balance and further harming me. I am requesting : XXXX release of the full remaining balance in my closed account. Refund of all improper maintenance fees charged after the account was closed. Confirmation that no further fees will be deducted. Amount involved : {$950.00} ( less the fees taken ). Date of most recent improper fee : Today ( a {$10.00} maintenance fee ). The account name is XXXX XXXX XXXX and the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST PORTFOLIO SERVICING INC
State: AL

Complaint narrative:
Revvi I paid the minimum amount and it didnt show up as being paid or credit and they have added so many late payments on my card but they took my money and have not put it towards my credit as being paid and they call so much

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chimes banking closed my account with all my hard earned savings unexpectedly. Ive called them numerous times over the course of the last few days and they said theyll unlock my account within XXXX hours. XXXX hours later they CLOSED my account and told me they can not reopen, nor send my remaining money to me via mail. All I asked was for them to send my remaining balance but they will not. Ive contacted them numerous amounts of times and made a few reports. Even the reply from the XXXX  ( XXXX XXXX XXXX  ) is from an automated machine. They say the reason they closed the account is because Chimes system flagged me for violating terms of conditions.. I get that is why theyve decided to close the account. But they are ILLEGALLY withholding my balance and wont send my remaining balance. My account is not under investigation from my knowledge, and they are trying to sweep this under the rug. I need legal advice/help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Im extremely disappointed with my experience with Chase customer service. Ive had this credit card for years, started with a {$6000.00} limit, and have always made my payments on time. Despite this, my credit limit has been gradually reduced over time with no notice or explanation. 

When I finally called to ask about it, the representative acknowledged that the limit decreases had occurred, but instead of providing a professional explanation or solution, they proceeded to shame me for actually using the card and for having other revolving credit accounts. That was not only inappropriate, but completely unhelpful. 

Using a credit card responsibly and maintaining multiple accounts is normal and expected for many customers. Being spoken to in a condescending, judgmental manner ( especially when Ive NEVER missed a payment ) was unacceptable. 

Credit limit changes without transparency are frustrating enough. Being treated disrespectfully on top of that has seriously damaged my trust in Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CITIBANK, N.A.
State: WA

Complaint narrative:
i opened a citi XXXX  card and attempted to use it to book a hotel through cititravel on XX/XX/XXXX citi flagged that charge as suspicious and locked the card under a fraud alert when i called to clear their only method for identity verification was to call my phone number back for some reason my phone or XXXX keeps sending them straight to voicemail without allowing me to answer the third time i called on XX/XX/XXXX i told them i was having this problem and they mailed me a letter with a reference number to skip the phone call verification which i received XX/XX/XXXX and called again and was finally able to tell them there was no fraudulent activity and i was told the alert would be cleared however the alert still shows up when i login and the card is still unusable after calling again XXXX the previous reference number can no longer be used for verification and i have been told i must wait for another letter and number in the mail to reattempt to clear the alert

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 2026-01-03 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: U.S. BANCORP
State: MO

Complaint narrative:
Name : XXXX XXXX Bank : U.SXXXX Bank Account : last 4 of XXXX Last 4 of social XXXX Complaint : I am disputing an unauthorized electronic fund transfer under Regulation E. 

My son is not an authorized user on my U.S. Bank account. I did not give him access to my debit card. He used my card without my permission or knowledge, and I did not receive any benefit from this transaction. 

U.S. Bank instructed me to resolve this with my son, treating the matter as a family issue. This is incorrect. Authorization is transactionspecific, and this transaction was made without consent, which meets the definition of an unauthorized electronic fund transfer under Regulation E. 

I am requesting : 1. A proper investigation under Regulation E 2. Provisional credit during the investigation 3. A written explanation citing the regulation relied upon for any denial

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP.
State: TX

Complaint narrative:
I tried to send my crypto to my external wallet that i had used before and accidentally had my vpn on. I explained this and sent multiple verification videos to them and they still stall. I have threaten reporting them to yall trying to get them to release the funds and theyll not even respond now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to seek your assistance regarding a concerning issue involving a recent check transaction between myself and XXXXXXXX XXXX XXXX XXXX 

On XX/XX/year>, I sent a check to my XXXX, XXXX XXXX, which she subsequently deposited into her bank account at TD BANK. My XXXX  informed me that the check cleared on the XX/XX/year>. However, she has since faced difficulties, as her bank has restricted her from withdrawing funds or conducting any transactions on her account related to this check. 

Despite her attempts to resolve this issue directly with her bank, she has been unable to obtain a satisfactory explanation or guidance on the matter. As the issuer of the check, I am concerned about the implications this situation may have for both XXXX XXXX XXXX XXXX XXXX 

I kindly request that the CFPB assist in communicating with TD BANK to investigate this matter further. Specifically, we would appreciate help in understanding the details of this transaction and obtaining guidance on what actions can be taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I am submitting this complaint against Current Bank for its mishandling of a billing dispute and its complete failure to provide notice, explanation, or supporting documentation after denying my chargeback claim. On XX/XX/year>, I made a purchase from the merchant Gilt in the amount of {$930.00} for a pair of XXXX XXXX XXXX XXXX Satin Pumps. The item I received was not what I ordered. Instead of the XXXX XXXX pumps, I received a pair of XXXX XXXX sandals. This constitutes merchandise not as described and not the item that was purchased. I immediately contacted the merchant regarding the error. XXXX acknowledged that the incorrect item had been sent and issued a prepaid XXXX return label. The return documentation provided by the merchant explicitly reflected that the item I received was incorrect. I returned the merchandise using the merchants prepaid label. XXXX tracking confirms that the return shipment was delivered back to the merchant on XX/XX/year>. Despite the fact that the merchant acknowledged the mistake, authorized the return, and received the returned item, the matter was not resolved. As a result, I filed a chargeback dispute with Current Bank. In support of my dispute, I provided complete documentation including the order confirmation, photographs of the incorrect item received, the merchants return authorization, the prepaid shipping label, and proof of delivery showing that the item was returned to the merchant. At some point thereafter, Current Bank denied my chargeback claim. However, Current Bank never notified me that a decision had been made. I was not sent any written notice of denial, any explanation for the decision, or any documentation showing how the bank evaluated the evidence I submitted. I was not given an opportunity to respond, supplement my claim, or appeal the decision. I only became aware that my claim had been denied after following up on my own. Current Banks conduct is unacceptable. The dispute involved merchandise not as described. The merchant admitted the error and accepted the return. The returned item was confirmed as delivered. Despite this, Current Bank failed to conduct or communicate a fair and transparent investigation. The bank failed to meet basic obligations to notify me of the outcome of my dispute and to explain the basis for its decision. I am requesting that Current Bank provide full documentation and a written explanation supporting its denial of my chargeback claim, to reopen and properly review the dispute based on the evidence submitted, and to credit the disputed amount of {$930.00} back to my account. All supporting documentation has been attached, including proof that the incorrect merchandise was received, proof that the merchant acknowledged the error, proof that the item was returned using the merchants label, and proof that the return was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I discovered that this company is attempting to collect and report an alleged debt that I do not owe and that has not been properly validated. I previously disputed the account and requested verification, including proof of ownership, an itemized balance, and documentation showing I am legally responsible for the debt. 

The company failed to provide proper validation and continues to report and/or attempt to collect the debt. This has resulted in inaccurate credit reporting and ongoing harm. Despite my dispute, the account remains reported without adequate investigation or substantiation, in violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In 2021, my Navy Federal checking account was compromised and unauthorized debit card transactions occurred. I reported the fraud at the time. Navy Federal is now requiring me to pay approximately {$3600.00} related to these fraudulent transactions in order to reopen my account. I did not authorize these charges and have not been provided documentation showing why I am being held responsible. I am XXXX XXXXXXXX  and this issue is preventing me from accessing banking services. I am requesting a full reinvestigation, written documentation of liability, and correction of my account.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Klarna AB
State: NH

Complaint narrative:
I was attempting to use Klarna to make a " Pay-in-four '' purchase of approximately {$150.00} from XXXX. I was in the checkout section of an online purchase with the Klarna app. I went to complete my purchase with XXXX and my transaction was declined. It was at this point that I realized that the {$50.00} payment I authorized was not being applied to the purchase of the the items in my virtual cart but that I had been tricked into depositing {$50.00} from my personal debit card into " Klarna virtual debit card '' and charged {$4.00} account opening fee. This fee was also not clearly disclosed. I contacted customer Support to request a refund and they insisted that I needed to provide my routing and account numbers in order to do so. I know from personal experience as a former business owner with multiple credit card Merchant accounts that this is not true. I was therefore very uncomfortable providing this information to a company that is already engaging in shady transactions.I know for certain that they can very easily reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Here is the sequence of events. 

Around XXXX XXXX- was contacted by XXXX XXXX XXXX that a debt was owed to Kohls and an offer is being made to settle with XXXX payments for {$110.00} and the remaining balance of {$1300.00} would be considered resolved. 

XX/XX/XXXX - Began making payments of {$110.00} a month. 

XX/XX/XXXX- was informed by XXXX XXXX that Kohls is taking over the final XXXX payments of {$110.00} and I should pay Kohls directly and not XXXX XXXX. 

XX/XX/XXXX- contacted Kohls and provided my account information and payments were made for XXXX and XXXX of XXXX with final payment made in XX/XX/XXXX. 

XXXX/XXXX - Kohls granted me new credit. 

XX/XX/XXXX - Capital One sent me a letter stating the old Kohls credit was sold to Resurgent effective XX/XX/XXXX XX/XX/XXXX - received letter from XXXX that XXXX has acquired my old account for the same debt and they are handling the collection. 

XX/XX/XXXX - I sent a letter to both Capital One and XXXX that this debt was invalid and provided them proof payments including the settlement offer letter I have in my records. Canceled check copies were also provided. 

XX/XX/XXXX - Received letter from XXXX with debt validation and denied my request to correct or remove the debt owed. 

XX/XX/XXXX - Received XXXX letter from XXXX with debt validation. 

XX/XX/XXXX - filed complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Product : Credit card Issue : Incorrect information on credit report Complaint Description : XXXX XXXX  is furnishing inaccurate and incomplete credit information on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

The account ending * * * * XXXX is reported as a charge-off, while also reporting : A {$0.00} balance {$4200.00} in available credit An activity status of PAID The derogatory comment Account paid for less than full balance Ongoing monthly reporting Additionally : The Date of Last Activity is missing The Original Creditor Name is not reported This tradeline is internally inconsistent and does not meet the FCRA requirement of maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). I disputed this account with the credit bureau ( s ), and it was improperly verified or left uncorrected.

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 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ignite Revenue, Inc.
State: PA

Complaint narrative:
I am receiving repeated collection emails from a party claiming to act on behalf of XXXX XXXX XXXX ( XXXX ) regarding an alleged balance. I dispute this debt and have requested validation. The company continues contacting me without providing proof of obligation, a signed agreement, or evidence of lawful authority to collect. 

Despite disputing the debt, collection attempts continue. This conduct violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g and 1692c ( c ). 

I am requesting that the CFPB require the company to cease collection efforts unless and until lawful validation is provided.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scheduled to get my hair done by an individual and instead of getting my hair done i got scammed out of XXXX dollars.

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