vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX or XXXX, I can not remember the exact date. I went into a cycle gear store and I purchased a helmet due to them not having the helmet they had it delivered to my home when they had it delivered to my home it got there on XX/XX/XXXX and I was not home at the time that it was delivered. They didnt even ask for a signature and even though it was a high valued item, no one bothered to put signature required nothing so when I got home, I get off of work pretty late. I got home around XXXX oclock at night when I got home the package was no longer in front of my door, resulting to the package being stolen, I was told by the company to contact the delivery company. The delivery company could not do anything because they said once the package is delivered it is not no longer their problem that I would have to contact the seller. I contacted the seller again. They told me to file a police report and if anything to contact my bank, I filed a police report. I contacted my bank account. They told me to submit any documentation so I submitted my documentation to my bank and because I care showed them the photo of delivery my bank could no longer do anything knowing well that the item that I ordered was stolen after I had just told them so then they reversed the charges and put it back onto my card and now Im forced to pay for something that I never received. I tried reaching out to psycho gear again, letting him know that I do have the police report that they requested, and they continued to tell me that there is nothing that they could do on their end, even with a police report. I also asked my bank if I could submit a police report with them and they said no because the merchant submitted proof of delivery so at that point we can no longer do anything. Were so sorry you would have to contact the seller again and let them know that you have a police report so I contacted them again and they continue to tell me theres nothing that they could do to contact the delivery company. I let them know what the delivery company said and they just keep rushing it off and telling me that theres nothing that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: VA

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I was scammed out of money on my current money app and on my key bank account, key is thoroughly investigating current however is not m they have denied me several times and wont provide supporting documents saying i allowed fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BLINCLOANS, INC.
State: MO

Complaint narrative:
This company is actively reporting as derogatory payments when this debt was discharged in bankruptcy on XX/XX/year>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
I purchased a card from cash app for {$5.00} on the XXXX of XXXX. It said it should have arrived on the XXXX of XXXX. I contacted support on the XXXX about told me it'll be XXXX more days. I waited XXXX and now I'm here on the XXXX of XXXX I contacted support multiple times which they failed to provide any helpful assistance telling me just to purchase a new card with {$5.00}. I don't have XXXX XXXX and there acting like they're going to keep the {$5.00} I've spent for the new car that never arrived. they said it got lost in the mail which they should cover that at that point but did not, I need my XXXX XXXX for extra contents the card was a glitter variant which makes me think that they hate XXXX people cuz this is the only time this has ever happened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/year> Attn : Business Services / Dispute Department for Bill Pay RE : FORMAL DISPUTE BILL PAY Double Withdrawal Error Business Checking Account Number ending in : XXXX To Whom It May Concern, I am writing to formally dispute a duplicate withdrawal totaling {$480.00} that occurred via U.S. Bank Bill Pay. On XX/XX/year>, a payment of {$480.00} was authorized for XXXX XXXX XXXX. This XXXX check was never received by the vendor and was verified by a US Bank phone call to Metamorphic Designs. A second Bill Pay check was sent for {$480.00}. On XX/XX/year>. That check was received and cashed. However, my business checking account shows that this amount was withdrawn XXXX as intended and a XXXX time in error. Transaction Details : Transaction Dates : XX/XX/XXXX and XX/XX/year> Amount Disputed : {$480.00} ( Duplicate charge ) Payee : Metamorphic Designs, Inc Confirmation Number PMTID XXXX and PMTID XXXX I have attempted to resolve this through your phone support multiple times but have been transferred repeatedly without a resolution. I have called at least XXXX times, have been transferred around, and calls have dropped with no call backs or email follow-ups. I am requesting that the duplicate {$480.00} be credited back to my account immediately. Per U.S. Banks Digital Services Agreement, I also request a provisional credit while your investigation is ongoing. This was offered during the initial call weeks back but of course, never honored. Please provide a written confirmation of the receipt of this dispute and an expected timeline for the refund. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Payment process
Company: Longbridge Financial, LLC
State: AZ

Complaint narrative:
I am disputing attorney fees, inspection fees, and foreclosurerelated charges that Longbridge added to the account. These fees were the direct result of Longbridges own servicing errors and failure to follow HUD XXXX guidelines. Longbridge initiated foreclosure prematurely and denied the initial XXXX extension based on criteria that HUD does not require. HUD does not require a listing agreement or proof of funds for the initial extension, only evidence of intent, which Longbridge had. Their improper denial and premature foreclosure referral created the conditions that generated attorney fees. Longbridge also repeatedly sent required notices to the wrong address despite having my correct address on file. This servicing error directly impacted timelines and contributed to the fees they later charged. Longbridge charged monthly inspection fees without documenting vacancy or abandonment, which HUD requires before inspections can be billed. No vacancy determination was ever provided. Because the foreclosure referral, extension denial, and inspections were not compliant with HUD requirements, any fees tied to those actions are improper. I am requesting a full review of all attorney fees, inspection fees, and foreclosurerelated charges, and a refund of any fees that resulted from Longbridges noncompliance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
My Etrade checking account by Morgan Stanley has been frozen since XX/XX/2025. They will not let me move any funds to or from the account. They are also refusing to add a {$300.00} sign up bonus to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am filing this complaint against Chime Financial for the handling and denial of my transaction dispute in the amount of {$500.00} ( XXXX XXXX : XXXX ). On XX/XX/year>, I submitted a cancellation request for a purchase with the merchant and subsequently filed a dispute through Chime after the issue was not resolved. I have documented evidence showing the timeline of my cancellation request and dispute submission. Chime denied my dispute without providing a clear or sufficient explanation of the reason for denial or the specific evidence used to support their decision. I was not given meaningful details or an adequate opportunity to respond with supporting documentation before the claim was closed. I believe my dispute was not properly or fully investigated. I acted promptly in good faith, and I have evidence supporting that I attempted to cancel the order and resolve the matter prior to escalation. I am requesting a full review of Chimes handling of my dispute, including disclosure of the reason code and all evidence relied upon in the denial decision. I am also requesting reconsideration of my claim for {$500.00}. I am seeking a fair reassessment of this dispute and correction of the outcome if it is determined that the claim was improperly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
I am writing regarding the above-referenced account. On XX/XX/year> my employer began garnishing my wages at your instruction. However, the court has not authorized garnishment, and the judge explicitly stated that garnishment was not to commence until supplemental pleadings and further proceedings are resolved. This premature garnishment has caused financial harm and may constitute wrongful garnishment under applicable state law. I am currently pursuing the return of any funds taken improperly. I still have not received funds back Ive contacted the company multiple times to talk about settlement offer nothing has been done I have asked for validation of this debt I still have not received an original contract showing validation for this debt This law firm has wrongfully garnished my wages which caused hardship I filed a motion with the court and had a hearing XX/XX/XXXX their response was dated XX/XX/XXXX stating that Im not garnished and theyre still waiting to hear from my job which is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: DC

Complaint narrative:
According to US Code 1681 ( 4 ) I have a right to privacy and I consider all late payments private and privileged information and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: GA

Complaint narrative:
I have been a customer of Tower Loan since approximately XXXX and have taken out multiple installment loans, many through their " re-up '' ( refinance/renewal ) process. This practice has resulted in me paying thousands of dollars over several years while the debt cycle continued due to high precomputed interest, upfront fees, and add-on products that reset the loan terms repeatedly. I have paid Tower Loan at least {$10000.00} since XXXX alone, on an original loan amount of approximately {$4000.00} plus several re-ups of {$500.00} {$600.00} each that added further fees and interest. Despite these substantial payments well exceeding the principal borrowed plus significant interest the XX/XX/XXXX loan shows as {$3700.00} on my credit report, while the current balance is approximately {$2000.00}. I do not currently possess copies of the original loan documents. I recently informed Tower Loan that I am currently in between jobs with no income at present, have lost my home through a Deed in Lieu that is currently being recorded, and am completely unable to make any payments at all due to severe financial hardship. On Monday, XX/XX/XXXX, I spoke with the XXXX XXXX at XXXX XXXX XXXX XXXX and clearly explained my unemployment, home loss, and complete inability to pay any amount currently. Despite this, another representative called on XXXX and repeated the same conversation. Today ( XXXX, XX/XX/XXXX ), " Montana '' called again. When I reminded her of the prior XXXX conversations, explained my situation once more, and requested that the calls stop, she was unprofessional, rude, and dismissive. She stated " you are required to make payments but you are not '' when I advised that the calls are required to stop by customer request. I informed her that I would be including this in my complaint to the Consumer Financial Protection Bureau and ended the call. These repeated calls after clear, repeated notice of my severe financial hardship constitute unreasonable collection activity. I understand that my account will become XXXX days delinquent on or about XX/XX/XXXX, XXXX believe Tower Loan 's repeated re-up practices, high effective interest rates and fees, inadequate disclosures, and failure to provide any meaningful assistance despite my stated inability to pay and lack of income constitute unfair, deceptive, or abusive practices. These actions have trapped me in a long-term debt cycle despite substantial payments made since XXXX. I will also be submitting this matter to the Louisiana XXXX XXXX XXXX XXXX if the response is not satisfactory.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Sapphire Reserve credit card. I established this credit card in XXXX. A fraudulent charge was detected by Chase on XX/XX/XXXX. I called Chase on XX/XX/XXXX and confirmed the charge was fraudulent Chase deactivated the card/number and provided a new number almost instantly to my electronic devices ( XXXX XXXX ) Chase verified my home address while we were on the phone and told me that replacement cards would be sent to that address. Chase used XXXX to ship the cards. Somewhere in the shipping process, Chase decided that the verified, known, current address on file should be replaced with an address they got from a XXXX XXXX database. The address they chose to send the replacement credit cards to was an address associated with my name prior to XXXX. That is XXXX years before I had even established a relationship with Chase. This business process is perpetuating fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear XXXX, I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX THE COMPLAIN >>> On XX/XX/XXXX, I disputed an account on my XXXX credit bureaux report for XXXX XXXX XXXX. The account was removed by the creditor as a result of the dispute. The account, however, was reinserted into my report on XX/XX/XXXX, and my score dropped about XXXX points as a result. I disputed the account with XXXX and it was removed again as a result of the dispute. The XXXX points, however, never been added back to my credit score. On XX/XX/XXXX ; the account reappeared and reinserted again into my credit report, and my score dropped again XXXX points as a result. Total points dropped is about ( XXXX points ) as a result of the account keep unlawfully reappearing and reinserted into my report. On XX/XX/XXXX ; disputed the account again with XXXX and the dispute is still pending. I believe that XXXX is biased against me and discriminating against me on the basis of perceived national origin, perceived religion, perceived race, and perceived ethnicity, PerceivedThe account is in dispute and open litigation in XXXX XXXX XXXX docket No XXXX. Attached. The bank is in violation of the Fair Debt Collection Practice Act and Fair Credit Reporting Act religion : Individuals perceived to be part of a certain religious group are also protected from discrimination. This is particularly relevant for XXXX XXXX individuals, who may face religiously indiscriminate racialization or Islamophobia from others who mistakenly perceive them as XXXX. Federal law protects individuals from discrimination based on actual or perceived religious affiliation or ethnic characteristics. Federal laws like Title XXXX of the Civil Rights Act of XXXX and XXXX VI protect individuals from discrimination based on actual or perceived religion, shared ancestry, and ethnic characteristics in employment and federally funded programs, prohibiting bias in hiring, treatment, and services, even covering stereotypes and cultural practices linked to these traits, not just explicit religious/ethnic identity. XXXX XXXX XXXX See attachments for full text.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ava Finance, Inc
State: NY

Complaint narrative:
I am filing a formal complaint against Ava Finance regarding an unresolved billing issue and failure to respond to multiple contact attempts. On XX/XX/year>, I was charged {$11.00} for a transaction that was not successfully completed. Despite the failed transaction, I was required to pay for the service separately out of pocket. I made multiple attempts to resolve this issue directly with Ava Finance, including : XX/XX/year> Initial contact XX/XX/year> Follow-up attempt XX/XX/year> Follow-up attempt XX/XX/year> Contacted support via app/email/chat To date, I have only received limited responses requesting verification of the merchant. After providing the requested information, no further response or resolution was provided. Ava Finance attempted to claim this was a backdated charge, but I was still forced to pay the merchant myself, confirming that the charge was invalid. This failure to address an invalid charge and lack of communication is unacceptable. I am requesting : Immediate removal or refund of the {$11.00} charge Written confirmation once the issue has been resolved If this matter is not resolved promptly, I am prepared to escalate further, including filing disputes with the appropriate regulatory agencies and credit reporting agencies.

Company response to consumer: Closed with explanation