vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint against Chime regarding an unauthorized transaction that they have repeatedly refused to properly resolve. On XX/XX/year>, my account was charged {$42.00} for a XXXX order that I did not place. This transaction was not made using my XXXX account, and I did not authorize anyone to use my card. I have provided Chime with documentation showing that the order was delivered to an address that is not mine. This evidence clearly indicates that the transaction was fraudulent. Despite this, Chime has denied my dispute multiple times without providing a clear or reasonable explanation. I am requesting that Chime : Reopen and properly investigate this dispute Provide a provisional credit for the unauthorized charge Explain the basis for their previous denials Under my rights as a consumer, I should not be held responsible for unauthorized transactions, especially when evidence supports my claim. I am asking for assistance in resolving this matter and ensuring that Chime complies with its obligations to investigate and correct fraudulent charges. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Iam filing this formal complaint against Citi Bank for their failure to protect my account from a series of unauthorized and fraudulent transactions totaling {$1200.00} USD. Facts of the case : Unidentified Merchant : Starting in XX/XX/year> and continuing through XX/XX/year>, my account has been charged multiple times under the merchant name " REVERSE FACEBK '' and similar variations. Lack of Authorization : I have never authorized these charges. My debit card is NOT linked to my XXXX account XXXX and it has never been used for any purchases on that platform. Evidence of Fraud : My official XXXX XXXX XXXX XXXX shows that my only legitimate activity is a subscription billed in XXXX XXXX XXXX XXXX XXXX ), which is roughly {$5.00} XXXX. There is absolutely no record of any {$250.00} XXXX transactions in my XXXX billing history. Bank Negligence : I have reported these unauthorized charges to Citi Bank multiple times ( starting in XXXX ). Despite my reports, the bank allowed another {$1200.00} charge to post on XX/XX/year>. Violation of Regulation XXXX : The bank claims the merchant " validated '' the charges, but they have failed to provide proof of a signed billing agreement or evidence that these charges originated from my personal account. Under the Electronic Fund Transfer Act ( Regulation E ), the bank is responsible for refunding unauthorized transactions.

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 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and failure to properly validate a disputed debt. The account in question is a Training Repayment Agreement associated with XXXX XXXX, reported by a third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX The account is currently being reported on my credit file with a balance of {$2500.00}. The original XXXX XXXX XXXX dated XX/XX/year> lists a maximum repayment obligation of {$2000.00}. However, this amount is not supported by any itemized breakdown, cost documentation, or verification showing how the amount was calculated or whether it reflects actual, recoverable costs. The agreement itself does not provide sufficient detail to establish that the stated amount represents a legally or factually verifiable debt beyond a general contractual estimate. I formally disputed this debt with the collection agency and requested validation, including an itemized accounting and documentation supporting any additional fees or charges. In response, the agency only provided a copy of the original agreement and did not provide any breakdown or substantiation for the reported balance or the additional {$500.00} being claimed. Despite the lack of documentation supporting the accuracy of the reported amount, the account continues to be reported to credit bureaus as a {$2500.00} obligation. My complaint is based on : * Failure to provide adequate validation of the debt amount * Reporting of an inaccurate balance not supported by itemized documentation * Continued credit reporting without substantiation of added charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XXXX XX/XX/year> I noticed a debit of XXXX dollars in my account, still pending at the time, and I called chime bank to inform them and the agent told me to wait until it clears and then when it did I called them again to file a dispute. After a few days they denied my dispute and I dont know why. And they wont tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This debt is fraudulent. I do not owe XXXX any money nor do I owe any 3rd party debt collector any money. I have not had cable for more than two years because I have been in county jail. This debt does not belong to me. I have not had XXXX cable.

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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XXXX I made my final payments to Westlake portfolio management for my car. I have yet to receive my car title. XX/XX/2026 I went to the XXXX to see if I can grab my title because because of the two options I had. i had someone who wanted to buy my car, as well missed out on a XXXX secured loan with one main as collateral for my title. The clerk at the XXXX told me that my car still had a lien with XXXX XXXX XXXX I told her they were out of business and XXXX was the company. She looked it up again and said it still a lien on my car after being paid off 8 months ago. I called XXXX and asked if they could send my title to the XXXX electronically and they told me no, nor could they send a release form either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX has been trying to hold my money.I 've been trying to keep in contact with them all weekend.But they have not given me sufficient information on why they are holding my funds.I 've been trying to contact them about the issue.There will allow any transfers.They would not allow me to use my debit card.And there are plenty of funds in the account.I need some help to be able to rectify this issue as soon as possible.Because it's becoming to look like they're trying to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
Dear Cash App Support, I am writing to formally dispute several unauthorized transactions made on my account. I recently contacted the merchant, XXXX XXXX, regarding these charges. As shown in the attached screenshot, they confirmed that the orders were already shipped and advised me to report the transactions to my bank or card provider as unauthorized. They also stated that the data used for the purchase has since been blocked due to suspected fraud and recommended filing a police report. I want to make it clear that I did not authorize these purchases, nor did I benefit from them in any way. Based on the merchants response, this situation appears to involve fraudulent use of my payment information. For your reference, the key points from the merchants response include : * The orders were processed and shipped without my authorization * They are unable to issue a refund directly * They acknowledged potential fraud and blocked the payment data used * They advised me to dispute the charges with my financial institution I am requesting that Cash App : 1. Investigate these transactions as unauthorized activity 2. Issue a refund for the fraudulent charges 3. Secure my account to prevent any further unauthorized use I am willing to provide any additional documentation needed, including a police report if required. Please confirm receipt of this dispute and inform me of the next steps in the investigation process. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Sentry Recovery and Co states that i owe almost {$12000.00} in debt collection but this debt is not mine. Not only is it not mine i was also not informed of this debt until my credit was hit negatively which by time it was too late and had already reached collections. No one contacted me so i could fix the issue.

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 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding a collection account reported by Credence Resource Management. This account is inaccurate and has not been properly validated despite my dispute. I requested validation of this alleged debt, including a signed agreement, proof of legal obligation, and documentation showing Credence Resource Managements authority to collect. To date, no sufficient documentation has been provided. Additionally, the account is being reported with incomplete and inconsistent information : * The account type is missing * The original creditor is listed as the collection agency itself * No documentation has been provided to substantiate the balance Despite the lack of validation, this account continues to be reported to the credit bureaus. This raises serious concerns regarding compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which require that debts be properly validated and reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
[ Your Full Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX [ City, State, ZIP Code ] XXXX XXXX XXXX [ Date ] XX/XX/XXXX [ Credit Bureau Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Dispute Department Address ] XXXXXXXX XXXX XXXX Subject : Request for Investigation and Removal of Inaccurate Items To Whom It May Concern, I am writing to dispute certain information on my credit report. I recently reviewed my credit file and found items that I believe are inaccurate, incomplete, or can not be verified. Under the Fair Credit Reporting Act, I am requesting that you investigate these items and remove any information that can not be verified. The items I am disputing are listed below : 1. Account Name : [ Creditor Name ] Jefferson Capital Systems LLC Account Number : [ XXXX ] XXXX Reason for Dispute : [ Not mine / Incorrect balance / Duplicate / Other ] 2. I need it to be remove off my credit report. all three 1 ) Account Name : [ Creditor Name ] Account Number : [ XXXX ] Reason for Dispute : [ Explain briefly ] Please investigate these matters and delete any inaccurate or unverifiable information from my credit report. I have included copies of supporting documents to assist in your investigation. Please send me an updated copy of my credit report once your investigation is complete. Thank you for your time and attention to this matter. Sincerely, [ Your Signature ] XXXX XXXX [ Your Printed Name ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Coinbase denied my Coinbase One Account Protection benefit after an unauthorized account takeover, despite the fact that I have been paying for Coinbase One for over one year, in part because of the account protection benefit advertised with the membership. On XX/XX/year>, my Coinbase account was accessed without my authorization. During the incident, crypto assets were sold/liquidated and multiple unauthorized fiat withdrawals were made to external XXXX accounts that I do not recognize. I reported the incident promptly to Coinbase, local law enforcement, the FBI IC3, the FTC, and XXXX. Coinbase opened cases # XXXX and # XXXX. Coinbases own investigation identified suspicious access patterns, including IP addresses and network history not previously associated with my account. I did not authorize these transactions, did not knowingly share my credentials or 2FA codes, and reported the issue as soon as I discovered it. Coinbase later denied my Coinbase One Account Protection claim. However, Coinbase did not provide a clear, policy-specific reason for the denial. They did not identify the exact clause, eligibility requirement, exclusion, or factual finding used to deny the benefit. They only stated that their internal review determined I was not eligible and that they could not disclose the specific criteria. This is unfair and non-transparent. I paid for Coinbase One for more than one year, and account protection was a material reason for maintaining the membership. If Coinbase is going to deny a paid protection benefit after an actual unauthorized account takeover, Coinbase should clearly explain why the benefit does not apply under the published Coinbase One Account Protection terms. There is also a separate Regulation E concern. Some of the unauthorized transactions were fiat withdrawals from my Coinbase USD wallet to external financial accounts. Coinbase should identify the transfer rail used for each fiat withdrawal and explain whether those transfers were treated as unauthorized electronic fund transfers under Regulation E. If Coinbase believes Regulation E does not apply, it should provide a clear explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against Wells Fargo I am submitting a complaint regarding Wells Fargos use of right of setoff against funds in my checking account. Wells Fargo withdrew {$1800.00} from my checking account to apply toward an old Wells Fargo Visa credit card debt. This action completely emptied my account. The funds taken were court-ordered spousal support arrears that I currently depend on for basic living expenses. I am presently unemployed and rely on these support payments for rent, utilities, food, transportation, and necessities. As a result of Wells Fargo removing the funds, my checking account then became negative {$200.00} when smaller automatic payments ( including internet and other essential bills ) posted afterward. There is still an ongoing court-ordered spousal support arrears balance of approximately {$20000.00}, being paid at {$3000.00} per month, which demonstrates these are continuing support payments intended for maintenance and support. I am not refusing to address the old credit card debt. However, Wells Fargos actions created immediate hardship by seizing support funds and causing my account to become overdrawn. I am requesting the following relief : 1. Refund all or a substantial portion of the {$1800.00} taken. 2. Reverse the negative balance and any related fees. 3. Cease future setoffs against incoming support payments. 4. Offer a reasonable hardship repayment arrangement for the credit card debt. 5. Provide a written explanation of the legal and contractual basis for taking support-related funds. I am requesting prompt review due to financial hardship and unemployment.

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 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Upon vacating my apartment at XXXX XXXX, I received a move-out statement that included a {$200.00} charge for microwave replacement. The only documentation provided by XXXX XXXX was photographs of a dirty microwave. No technician report, vendor invoice, or any documentation proving the unit was non-operational was ever provided despite my requests. On XX/XX/year>, I sent a formal written debt validation letter to Columbia Debt Recovery via certified mail citing FDCPA 15 U.S.C. 1692g, specifically requesting : ( 1 ) post-cleaning photographs, ( 2 ) a technician or vendor report confirming non-functionality, and ( 3 ) an itemized calculation justifying the {$200.00} charge. I also requested that collection activity on the disputed {$200.00} be suspended pending proper validation. Columbia Debt Recovery 's response consisted solely of forwarding the same dirty microwave photographs originally provided by XXXX XXXX. This does not constitute proper debt validation under the FDCPA. Despite failing to provide adequate validation, Columbia continued collection activity and reported the full balance including the disputed {$200.00} to credit bureaus. When I called Columbia Debt Recovery to discuss resolution, they offered a discounted settlement but stated that if I requested confirmation of the response they sent in writing via email, the discount would be voided and I would owe the higher amount. I found this tactic unreasonable and ended the call. I am willing to pay the undisputed portion of the balance but the {$200.00} microwave charge remains unsubstantiated and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
A woman called me saying I have an American Express card and there was suspicious activity. I told her I don't have an American Express but she kept saying I do and someone had tried to purchase guns. I hung up and called the number back. A new lady said this is American Express she looked up my name and date of birth and didn't find anything. I found American Express actual phone number and called them. She said that was not them and it was fraudulent. The phone number that called me was XXXX this number shows on the caller ID as American Express but it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Did not receive notification that minimum balance for account was XXXX dollars to avoid monthly service fees, which has since increased to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
There were XXXX charges made in my credit card, Capital One Savor Card, while visiting XXXX that are incorrect that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXXXXXX XXXX account that is reporting on my credit report. I did not authorize, open, or consent to this account. This account appears to be connected to identity theft and fraudulent activity. The account shows a balance of approximately {$4500.00} with a credit limit of {$4000.00} opened around XX/XX/year>. I dispute this account in full. I never applied for or used this account, and I should not be held responsible for any balance, fees, or negative reporting related to it. This fraudulent account is seriously damaging my credit because it is reporting at 100 % credit usage.

Company response to consumer: Closed with explanation