vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On the XXXX XXXX XXXX I was robbed by my sister and 4 other people she brought to my house. She stole my phone, my keys, my car title and miscellaneous items. I called chime right away and told them what had happened. They transfered {$820.00} from my account to my sister. Chime took my info over the phone and helped my log the stolen device out of my account, change my email and yet the same r day denied my dispute. I was told to file a police report and send copies to get my dispute accepted. I did so and also a identity theft report with the FTC. I sent to chime with receipts proving I had to pay for my house to be renewed. Still the denied my request again. This is ridiculous. It truly was a fraudulent transaction and I need my money desperately. They say no error occurred so no refund. It's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I discovered unauthorized payments from my XXXX XXXX account to a Citibank credit card that I did not authorize. When I attempted to access the account, I found that my login credentials and mailing address had been changed without my knowledge, preventing access to my account. I immediately contacted Citibank multiple times. However, Citibank repeatedly denied me access because their system required a mailed verification code, even though my address had already been fraudulently changed. Despite explaining this situation over many calls to multiple departments, no effective action was taken. After eventually regaining access, I disputed all fraudulent transactions and corrected my contact information. Despite this, unauthorized activity continued, including new cards being issued under my name. I ultimately closed all Citibank accounts to stop further fraud. Several months later, I was notified of an approximately {$20000.00} balance on an account I never opened or authorized for and for which I never received statements. Citibank concluded that I was responsible based on an alleged {$18000.00} payment that I did not authorize or make. I also experienced fraudulent activity across multiple Citibank accounts during the same period. Other accounts were investigated and recognized as fraudulent ; however, this account was not. Citibank has repeatedly sent the same generic response letter without addressing the evidence and documentation I provided, including my police report and Federal Trade Commission identity theft report. Additionally, the account appears to be under the name XXXX XXXX rather than my legal name, raising further concerns regarding inadequate identity verification procedures. I believe Citibank failed to : Properly verify identity changes Detect obvious fraudulent activity Conduct a reasonable investigation Adequately respond to documented identity theft I request that Citibank : Conduct a proper reinvestigation Remove this fraudulent account and balance Ceasing all collection activity Remove all negative credit reporting related to this account I am not responsible for this 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 non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Unexpected fees — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Someone hacked into my bank account and I do not have a bank account at all and cashnetusa I never took a loan out in my life someone hacked into it and make a account of me it was not me at all and I just dont want to get in trouble and I want to make a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Hello. This is in response to a listing on my credit report. Please be advised that PORFOLIO RECOVERY ASSOCIATES, LLC has reported unvalidated debt to the credit bureaus ( XXXX XXXX XXXX XXXX ). This may constitute fraud under both federal and state laws. Also, a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is not a refusal to pay, but a complaint stating their claim is disputed and validation is requested. There is no set deadline in federal law for a collector to send verification. The 30 days mark is only to pause collection efforts. If a collector fails to provide verification, they are not legally allowed to report to the credit bureaus. XXXX XXXX received a request for verification on XX/XX/XXXX. Please refer to complaint # XXXX. They failed to provide verification and then placed this collection account on my credit file on XX/XX/XXXX. A clear violation of FDCPA. I respectfully request that PORFOLIO RECOVERY ASSOCIATES, LLC provides competent evidence that I have a legal obligation to pay them. If PORFOLIO RECOVERY ASSOCIATES, LLC fails to validate the debt, I will not hesitate in bringing legal action against them and/or their client ( if any ) for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If they fail to respond to this request for validation and complaint, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: LA

Complaint narrative:
In XXXX, XXXX, I paid {$96.00} twice for consecutive rentals of a XXXX XXXX at a USPS office. I exited the office with the impression that my credit card had paid the USPS twice, After 6 months, I was informed that the credit card had only delivered to the USPS a single {$96.00} payment. I contacted the USPS about this, and the XXXX XXXX XXXX, LA, XXXX XXXX reiterated that only 1 payment had been sent from the credit card - and she instructed me to contact the credit card to take one of the {$96.00} charges off. In XXXX, I had to pay an additional {$98.00} to continue to get the service for that subsequent XXXX XXXX XXXX. I filed a fraud charge with the credit card about the extra payment, but was told repeated, even after E-mailing the credit card executives, and since none of those E-mail messages came back as undelivered, I have to presume that at least one of them had gotten a staff member in the fraud department about this. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I got a call from someone in the fraud department, explained that USPS is saying legally that only 1 payment had gotten through. I also asked for reference IDs for the charges, and was told by the representative that they are under no obligation to assist with this fraud because it had been longer than 4 months. So we have the credit card claiming that 2 charges were made, the vendor claiming that only 1 charge was made, and the executives at the credit card hindering the resolution of this problem, trying to hide behind the excuse that the fraud that took 6 months to come to light is past the statue of limitations, one would presume so as to increase the corporation 's profitability. I was told by the USPS that since the it had only been paid {$96.00}, while claiming that there were 2 {$96.00} charges, that I need to file complaints with FTC about credit-card fraud, and also with the USPS about mail fraud. I fully intend to use these avenues if needed, and will reference this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint against TD Bank , N.A . regarding my closed XXXX XXXX XXXX account ( listed on my credit report as XXXX XXXX , opened on or around XX/XX/year> ). This account is currently being reported inaccurately as a derogatory " Profit and loss write-off '' with a past-due balance of {$1900.00}. TD Bank has also recently sold or assigned this debt to a third-party debt buyer, XXXX XXXX XXXX ( managed by XXXX XXXX XXXX , Reference # XXXX ), causing severe and ongoing damage to my credit profile. The balance being claimed by TD Bank is entirely incorrect due to a systemic merchant billing error that TD Bank has failed to properly investigate. This financing line was utilized to purchase a XXXX device under a specific promotional contract requiring me to mail in a trade-in device in exchange for a {$1000.00} credit. I fulfilled my end of the contract and shipped the trade-in device to XXXX via their designated courier. Due to a failure in communication and inventory processing between the merchant ( XXXX ) and the lender ( TD Bank ), XXXX failed to scan the device properly and clawed back the {$1000.00} promotional credit, charging it directly to my TD Bank financing line. During the year I opened this account, I called multiple times to both TD Bank and XXXX trying to get this billing error resolved. Every single time I reached out, both companies repeatedly pointed the finger at each other. XXXX told me it was TD Bank 's issue, and TD Bank told me it was XXXX XXXX issue. Because neither entity would take responsibility, look at the paperwork, or audit the shipping and fulfillment records, I was completely unable to get a resolution. Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), TD Bank has a legal obligation to conduct a reasonable investigation into merchant billing disputes before reporting an account as delinquent or charging it off. Instead of doing so, TD Bank chose to ignore my calls, continue reporting a fraudulent balance monthly, and sell the unverified debt to a collector. Because I am a consumer and do not have access to XXXX 's internal warehouse receiving logs or historical transit data from years ago, I am requesting that TD Bank 's executive compliance team formally audit this merchant dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
My savings account funds were frozen on Monday XX/XX/XXXX due to an overpayment discrepancy with the department of child support ( DCS ). My tax return was garnished in order to pay off my child support payments. DCS still placed a freeze order on my account through Navy Federal. I contacted DCS on XX/XX/XXXX to inquire about the freeze and it was explained to me that the freeze order was placed before they were aware of the payment from the IRS, they stated however that they had just received the IRS payment that morning. I immediately requested that a release be sent to Navy Federal for the amount of the overpayment and was assured that it was sent. I contacted Navy Federal to ensure that they had received the release and was assured that they had and that my funds would be released soon. By Friday of that week XX/XX/XXXX, my funds were still frozen, I inquired to Navy Federal about whether or not processing had received the release document and was told that they had. I then asked for an estimated timeline to receive my funds, and was told that was not possible. I requested a callback from processing, and was told that was not possible. Monday XX/XX/XXXX my funds had still not been unfrozen, I called back Navy Federal and requested a manager escalate this matter as it was becoming a hardship issue for myself and my family. Management stated the same, that they could not give an estimate of when my funds would be released but that they could contact processing and return some information to me within the next 48 hours. I received a message today XX/XX/XXXX that there was nothing that they could do and my issue would be closed. I find this unacceptable, they were able to freeze my funds in an evening but have not been able to unfreeze them for a week, due to the fault of an overpayment that was improperly handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
See attached snapshots of fraudulent transactions via my PayPal credit card account, emails responses via my PayPal. Everything that can possibly help my case in being scammed. They compromised my email XXXX XXXX XXXX, XXXX XXXX account checking which I closed and reopened a new checking account. Called XXXX with PayPal dispute department, last week Friday, to see where the investigation is at, I was advised my IP address was compromised and to let their security team investigate, and not to worry! PayPal has representatives for one, with a language barrier. You dont know where youre calling when contacting PayPal . It feels when you have a crisis on your account they pass you over to different departments. Honestly, you dont know if they are with their security team. Many different answers inconsistencies, so many! How can I sit back, I live on a fixed income monthly. I need PayPal to make me whole and give me my life back. This is heartening for us seniors to be targeted and experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt collection account that I dispute. I requested validation of the alleged debt, but the collection agency has failed to provide sufficient documentation proving that I am legally responsible for the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested : The name of the original creditor The amount of the alleged debt Documentation bearing my signature or proving responsibility Proof the collection agency is authorized to collect this debt Despite my request, the company continues collection efforts and/or continues reporting the account to credit reporting agencies without properly validating the debt. I am requesting that the collection agency : Provide full validation of the debt Cease collection activity until validation is provided Remove any inaccurate or unverified reporting from my credit file Communicate with me in writing regarding this matter If the company can not provide sufficient proof that this debt belongs to me, I request that the account be deleted and collection efforts stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account is the result of identity theft. I previously submitted an FTC Identity Theft Report and requested a proper investigation under FCRA Section 605B. Midland Credit Management continues reporting this account without providing evidence that I opened or authorized it. Their response only references prior correspondence and does not demonstrate a reasonable investigation or provide competent evidence linking me to this account. I request an immediate block and deletion of this fraudulent account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am disputing a collection account related to my XXXX account. My account originally reflected a balance of approximately {$120.00}. After I canceled service and returned the equipment, the balance increased to approximately {$500.00}. I contacted Credence Resource Management regarding the account and was told that XXXX benefits may have been charged back. I do not understand these charges and dispute the accuracy of the balance. I requested documentation and an itemized breakdown of the debt, but the collection agency refused to provide documentation by phone. I am requesting an investigation into the accuracy of the balance and documentation supporting the charges being collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
These loans are from XXXX XXXX, one for XXXX and another for XXXX. With affirm. I ran into some financial issues and couldn't pay, eventually the loan got charged off. It was transferred to a debt collector, XXXX XXXX, and once I got back on my feet a few years later, I settled it with them and paid. XXXX gave me letters to send to affirm of proof of payment/Settlement and they refuse to acknowledge. I got XXXX on a 3 way call with them and they still refuse to acknowledge the payments/settlements. They won't put the balance to XXXX or settle on their end. This is why Im filing this complaint cause I've tried to settle with with affirm and they won't settle or acknowledge even with proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
My name is XXXX XXXX. My maiden name of ( XXXX ) is used on here. I am filing a complaint regarding XXXX XXXX failure to return the remaining escrow balance after payoff of our mortgage loan of {$2900.00}. Our mortgage loan was paid off and closed on XX/XX/year>. As of today, more than two months later, we still have not received our escrow refund. We have contacted XXXX XXXX multiple times regarding the missing funds. We were told on two separate occasions that escrow refund checks had been mailed to our correct address. Neither check was ever received, despite confirming our mailing address multiple times with their representatives. After continued follow-up, we were recently informed that the escrow funds had instead been placed into a suspense account due to an internal error. We are now again being told it will take additional weeks to issue the refund. Throughout this process, we have received inconsistent information, repeated delays, and no meaningful resolution. We are concerned about the handling of our escrow funds and the repeated failure to properly disburse money owed to us after payoff of the loan. They said they overnighted and provided tracking and it has been 6 days and has not mailed. We are requesting : 1. Immediate release of the escrow funds owed to us 2. Written confirmation of the escrow balance and prior check issuance history 3. Confirmation whether any prior checks were negotiated or cashed 4. Expedited delivery with tracking or electronic payment if available 5. A clear explanation for the delays and mishandling of the account We have made repeated good-faith efforts to resolve this directly with XXXX XXXX and are seeking assistance because the issue remains unresolved

Company response to consumer: Closed with explanation