vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Discrepancy involving charitable donation checks deposited through TD Bank at XXXX XXXX XXXX ( Route XXXX ), XXXX, SC XXXX in XXXX XXXX, South Carolina. In XX/XX/XXXX, our charitable giving organization, 100+ Sun City Women Who Care, issued 180 individual checks each check was made out in the amount of {$100.00} ( one check was {$200.00} ) to benefit a local charity. The total amount written by donors was : {$18000.00} However, according to the XXXX XXXX XXXX, the amount actually deposited into their TD Bank account was : {$16000.00} This leaves a discrepancy of : {$1500.00} Because each of the checks were written for exactly {$100.00}, the discrepancy represents approximately fifteen missing checks. Key facts : Checks were written by individual donors and delivered together for deposit The XXXX 's XXXX XXXX record shows only {$16000.00} received The charity itself has no knowledge of the missing checks Multiple attempts were made to resolve this issue through the TD Bank branch and their regional and national offices following their required time and channels before contacting OCC The case was closed by the OCC citing privacy, even though the funds originated from third-party charitable donors Given the pattern of uniform {$100.00} checks and the specific amount missing, this situation raises concern regarding possible : deposit processing errors misapplied deposits internal misappropriation of funds I respectfully request that TD Bank conduct a full reconciliation of the checks deposited during this transaction and determine : Whether all checks were processed Whether any checks were rejected, returned, or deposited elsewhere Whether any irregularities occurred during deposit processing Our organizations only objective is to ensure that the intended charitable recipient receives the full amount donated. We are prepared to provide supporting documentation including donor check lists, dates of deposit, and deposit confirmation records. Thank you for your concern. XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
{$4800.00} was stolen out of my account on XX/XX/year>. I did NOT authorize this transaction nor do I know the person named as the recipient. Chime keeps denying my claim. All transactions were made out of the County I live in. I have not left this county in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding LVNV Funding LLC and their collection agent XXXX XXXX XXXX. I recently received a communication attempting to collect an alleged debt originally associated with XXXX XXXX XXXX XXXX. The communication states that because of the age of the debt, LVNV Funding LLC will not sue to collect it. This indicates the debt is time-barred under Texas law XXXX I dispute the validity of this alleged debt and request full validation. Please provide the following documentation : A copy of the original signed agreement or contract with XXXX XXXX XXXX XXXX A complete payment history on the account The date of first delinquency Documentation proving LVNV Funding LLC legally purchased and owns this debt A full accounting explaining how the current balance of {$19000.00} was calculated If LVNV Funding LLC can not provide proper documentation validating the debt, they should immediately cease all collection activity and delete any tradeline they may have reported to consumer reporting agencies. Attempting to collect a time-barred debt without proper documentation raises serious concerns regarding compliance with federal consumer protection laws. I am requesting that this matter be investigated and that the company either provide full validation of the alleged debt or cease collection activity and remove any credit reporting associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Im going thru trauma and financial hardship.Ive begged discover card to help me but they wont. I contacted debt management as they told me to and they cant help me so they told me to contact back discover card but they wont help me. They said they already put me on a XXXX month lower payment n hardship but then they increased my minimum by XXXX and I cant do it but I want to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
In XX/XX/2025, I contacted XXXX to explore switching service. During that call, I was informed that equipment would be mailed to me so I could complete the transfer. However, I never received any equipment and never activated service. I ultimately decided not to switch providers and remained with my existing carrier. Despite never receiving equipment or activating service, I began receiving collection notices claiming that I owed {$980.00} for equipment. The account is currently being pursued by Credence Resource Management , LLC. I contacted XXXX directly and was instructed to visit a XXXX retail store to resolve the issue. I did so and was told that the matter would be handled. Despite this, the collection activity continued. I formally disputed the debt with Credence Resource Management and requested validation. In response, they provided only a billing summary and a copy of a XXXX statement. They did not provide any proof that equipment was ever shipped to me, delivered to me, or accepted by me. No tracking information, delivery confirmation, device serial numbers, or signed agreement were provided. Because I never received the equipment and never activated service, this debt is invalid. I am requesting that this account be investigated and that the alleged debt be removed. If this account has been reported to any credit reporting agencies, I request that it be deleted immediately due to lack of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am filing this complaint regarding an unauthorized electronic funds transfer on my Chime account that the company has refused to reimburse after three disputes. My Chime account was accessed by an unauthorized person on XX/XX/year> Before the fraudulent transfer occurred, I received alerts indicating that someone had logged into my account. Shortly after this unauthorized access, a transfer of approximately {$2900.00} was sent through the XXXX XXXX feature to a username that I do not know and have never transacted with. I did not authorize this transaction, did not know the recipient, and did not benefit from the transfer in any way. I reported the transaction to Chime immediately and filed a dispute. Chime denied my claim and stated that no error occurred. I have now disputed the transaction three separate times, and each time the claim has been closed without providing clear documentation or explanation showing how the transaction was determined to be authorized. Under the Electronic Fund Transfer Act and Regulation E, consumers are protected from unauthorized electronic funds transfers when their account has been compromised. Since my account experienced unauthorized access prior to the transfer, I believe this situation qualifies as account takeover fraud. I am requesting that Chime : 1. Reopen and conduct a proper Regulation E investigation into this unauthorized transfer. 2. Provide the documentation and evidence used to determine that the transaction was authorized, including IP address, device information, and login data associated with the transfer. 3. Reimburse the unauthorized {$2900.00} transfer if the investigation can not demonstrate that I personally authorized the transaction. I am asking the CFPB to review this matter and ensure that my dispute is handled in accordance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Cash Apps mobile check deposit feature falsely declined my deposit with an amount mismatch error, and after XXXX and a prior CFPB complaint, Cash App continues to send identical scripted responses and refuses a manual review or a specific defect/reason code. The issue remains unresolved, and Cash Apps complaint handling is non-substantive. What happened ( chronological ) : On Sunday, XX/XX/year>, I attempted a mobile check deposit in Cash App. Check issuer : XXXX XXXX. Amount : {$170.00}. Cash App declined the deposit and stated : the amount you entered and the amount on the check are different. This is incorrect. The entered amount and the check amount match : {$170.00}, clearly written and legible. I contacted Cash App support and requested a manual review of the check images and correction of the erroneous decline. Cash App refused and provided only generic scripted responses. I then filed a XXXX complaint ; Cash App stated they would respond personally, but sent an email that was word-for-word the same script as before and still refused manual review or a specific explanation. I rejected the response. Cash App then responded again with the same scripted response that did not address my issue or offer pathways for remediation. I filed a CFPB complaint ; Cash App again provided the same scripted response and did not resolve the issue. The CFPB complaint was closed because the company responded, but the response did not address the incorrect amount mismatch basis or provide a remediation path. I am filing again because the companys repeated scripted replies after XXXX and CFPB show an ongoing failure to investigate and resolve an objectively verifiable error. Why the company 's response is inadequate : Cash App has never explained what specifically did not match or what requirement allegedly failed, despite the app giving a concrete reason ( amount mismatch ). Citing Terms of Service and instructing me to reply to a scripted email does not resolve an erroneous denial of service and provides no path to correct it. Their only suggestionreissuing the checkis not feasible and improperly shifts the burden to the consumer for Cash Apps system/XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report a series of unauthorized transactions totaling {$480.00} on my Cash App account. Despite my attempts to resolve this through their support channels, they have failed to investigate or provide assistance for these fraudulent charges. On [ Date ], my account was compromised and [ describe the incident briefly, e.g., {$70.00}, {$17.00}, and {$400.00} were taken ]. I have since reported the card as stolen, yet I have received no meaningful support or refund. I am requesting your intervention to hold the service provider accountable for these unauthorized losses. Sincerely, XXXX XXXX XXXX Would you like me to help you find the direct link to the CFPB complaint portal so you can submit this today?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Identity Theft- Demand to Cease Collection and Remove Fraudulent Account ending in XXXX I received a credit card denial letter from Capital One stating that an application for credit was not approved. However, I did not apply for any credit card or submit any application with Capital One. This raises serious concerns that my personal information may have been used without my authorization. I am requesting that Capital One investigate why an application was submitted in my name, identify the source of the application, and confirm whether my credit report or personal information was accessed. I also request that Capital One remove any related credit inquiries or application records associated with this unauthorized application and provide written confirmation of their findings. I disputed a credit account originally associated with XXXX XXXX that is now reported under Capital One due to the merger between XXXX XXXX and Capital One. I requested validation of the debt and an investigation into the accuracy of the information being reported on my credit report. Although a debt collector sent billing statements and terms and conditions, XXXX/Capital One has not properly completed or resolved the investigation into my dispute. The account continues to be reported on my credit report despite the dispute and lack of proper verification. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am requesting that Capital One and any associated debt collectors complete a proper investigation, provide full verification of the alleged debt, as a result of identity theft I have already completed the following : Filed an Identity Theft Report with the FTC. Verified that these accounts were removed from my credit report confirming the accounts is fraudulent and not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I HAVE DISPUTED THSI WILL EACH CREDIT BUREAU AND THEY SENT THE DISPUTE TO THE COLLECTION AGENCY, THE COLLECTION AGENCY KEEPS PUTTING THIS FRAUDULENT COLLECTION ON MY CREDIT AFTER THE CREDIT BUREAU HAS TOLD THEM IT WAS FRAUD. AGAIN I HAVE ATTACHED A COPY OF THE FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
1.A complete escrow ledger showing all escrow deposits, disbursement, refunds and adjustments. Note : detailed is already in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Financial Fraud Report Unauthorized Diversion of XXXX Payments to PayPal Account To the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, a tour operator partnered with XXXX, respectfully submits this formal report regarding a financial security breach affecting our reservation and payment systems. Our internal investigation identified that an unauthorized PayPal account, registered under the email address XXXX, was improperly integrated within our payment routing process. As a result, approximately seventy-five ( XXXX ) customer payments were diverted from legitimate reservations to this PayPal account instead of being deposited into the official XXXXXXXX XXXX XXXXXXXX XXXX XXXX account within the XXXX system XXXX The total estimated amount diverted is {$120000.00} USD. Key facts of the incident include : The PayPal account XXXX was not authorized by XXXXXXXX XXXX XXXX XXXX nor by our XXXX operator payment configuration. The unauthorized payment routing compromised the security of our reservation and payment processing system. Approximately XXXX reservation payments were redirected to this PayPal account. The estimated total financial loss resulting from these diverted payments is {$120000.00} USD. The individual believed to be responsible for the activity is currently in custody, and the matter is under legal review. XXXXXXXX XXXX XXXX XXXX has formally requested that PayPal initiate a recovery process and return the diverted funds to our official XXXX operator account ( Operator ID : XXXX ). We respectfully request that the Consumer Financial Protection Bureau review this matter and assist in facilitating coordination with PayPal to ensure the prompt recovery and restitution of these funds. Supporting documentation, including transaction records, reservation identifiers, and internal system logs, can be provided upon request. XXXXXXXX XXXX XXXX XXXX remains fully committed to cooperating with all relevant authorities and financial institutions to resolve this matter and restore the integrity of our payment systems. Sincerely, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by NCB Management Services related to a collection account appearing on my credit report. The account is reported as a debt buyer account with a balance of approximately {$2500.00}. I disputed this account with the credit bureaus because the information being reported is inaccurate and incomplete. Specifically, the credit report shows the Date of First Delinquency as XX/XX/year>, but the account opening date is listed as XX/XX/year>. It is impossible for an account to become delinquent before it is opened. This indicates inaccurate reporting. Additionally, the account does not identify the original creditor even though it is listed as a debt buyer account. Without identifying the original creditor, the information can not be properly verified. Several required account details are also incomplete or missing, including payment terms, credit limit, and date of last activity. I also believe my personal information may have been compromised during the XXXX data breach, which increases the possibility of fraudulent or improperly reported accounts. Despite disputing this inaccurate information, the account continues to be reported without correction. I am requesting that NCB Management Services provide documentation verifying the accuracy of this account or immediately delete the account from all credit reporting agencies. I am requesting a full investigation and removal of this account if it can not be properly verified under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector has engaged in inexcusable 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 two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. This experience has kept me obtaining employment, purchasing reliable transportation, and the ability to purchase property. According to the FDCPA, Im entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I request that this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I know about XX/XX/XXXX. I was arrested and incarcerated in XXXX of XXXX until XXXX XX/XX/XXXX. I came home to a credit card bill that was not mine and all the chargers were made between those dates when I was gone Ive given them proof of my date of incarceration and my date of release to the police. And The bank more than once.They are refusing to do anything give me my money back. They say that Im still liable for it even though I didnt use it. They closed my checking account. It was getting paid on time until they did this. I believe that they knew I was incarcerated so I dont understand why they didnt just close the account, but it affected my checking account that Ive had for my XXXX and now I dont have that and they wont want to give me money interest and all return check and late fees for either account.because they havent decided if they owe me or not {$3000.00} and I had no way to do it, and I sent them every document they asked for and theyre still refusing to Ive me a answer as to why? No answers I get no callbacks so I get nothing. I had to call corporate office executive office of Chase Bank and they still dont help me. Theyre rude as they never want to connect me on the phone and tell me Im bothering to much and it got denied once they reopened it got denied again. they reopened it now Im waiting for them to decide the third time and let me know a reason why I am getting denied. I have two police reports one in XXXX XXXX, XXXX, one when in XXXX XXXX XXXX there are one cases and still investigating who and where their charges were made. Both of these police departments have already acknowledged the fact that I was incarcerated and that I had nothing to do with it so I dont understand why Chase Banks investigation team for fraud cant figure that out Ive sent in case numbers and everything..

Company response to consumer: Closed with explanation