vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Ive disputed several transactions that I didnt recognize from Cash App and XXXX  and they never gave me back the money that was taken from me fraudulently and keeps giving me the runaround when I go to dispute these charges they want to lie or provide little to no explanation for why my money is missing and I really needed those funds to pay bills and handle other important things I have going on which is preventing me from doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I need PayPal to restore my account access and correct my balances. My password is not recognized, and I can not log in or reset it due to PayPals account block.

1. Authorized Payments : The only recurring payment I authorize is the XXXX XXXX XXXX installment of {$25.00}, which is scheduled on the XXXX of each month. PayPal must accept this payment from my PayPal Balance, as originally instructed. 
I also authorize acceptance of my parents birthdaygift funds ( XX/XX/XXXX or XXXX ). These funds should be added to my PayPal Balance without restriction.

2. PayPal Balance Correction : My PayPal Balance should be {$160.00} + {$10.00} reversal + my parents birthday gift, not the {$89.00} shown in the attached PayPal Summary.

3. PayPal Credit Card Correction : My PayPal Credit Card should show a {$0.00} balance. I never activated, possessed, or used the physical card. All charges are unauthorized and occurred only after my PayPal Balance was drained without my permission I can not reset my password because PayPal has blocked my account at the system level. The reset process does not work, and PayPal must reset it on their end before I can regain access.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
My bill was due on the XXXX and I paid it on XXXX. They billed me {$23.00} in interest which I paid on XXXX my next billing cycle which was due on XXXX. On XXXX they billed me another {$6.00}. They said company policy to charge TWO billing cycles worth of interest?!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: BlueChip Financial
State: TN

Complaint narrative:
I did not take out this loan and I do not know how they got my banking information. I called the company and I do not have a loan with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: MD

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX XXXX  for improper collection activity and inaccurate credit reporting related to a disputed vehicle damage claim from XXXX XXXXXXXX XXXX XXXX 

I rented a vehicle from XXXX and returned it on XX/XX/2025 at XXXX XXXX XXXX. At return, a superficial cosmetic scratch was noted on the vehicle. However, neither XXXX nor XXXX XXXX has ever provided any evidence establishing the vehicles condition at the time of pickup. No pickup inspection report or time-stamped photographs demonstrating that the scratch did not exist prior to my rental have been provided. 

After return, XXXX sent a damage claim and later referred the matter to XXXX XXXX XXXX. I disputed the claim directly with both XXXX and XXXX XXXX and requested validation. While an invoice was provided, it does not establish causation, does not demonstrate that the cosmetic scratch exceeds normal wear and tear, and does not prove that the repair was necessary or actually performed. 

Despite the debt being disputed and remaining unverified, XXXX XXXX continued collection activity and reported the account to consumer credit bureaus. This reporting caused significant XXXX XXXX damage. 

XXXX XXXX failed to provide documentation establishing liability, failed to substantiate the accuracy and legal collectability of the amount reported, and continued credit reporting on a disputed and unverified debt. 

I am requesting that XXXX XXXX cease collection activity and delete this account from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I got an increase in interest fees on XX/XX/XXXX, which is prior to my billing cycle due date which is the first of every month. I did not have knowledge of this, so I did not pay the balance before the XX/XX/XXXX but did pay it before my billing cycle due date as I do every month. However, Citibank still charged me interest for the amount in the account prior to XX/XX/XXXX and the amount in the account between XX/XX/XXXX and XX/XX/XXXX. I did not receive any written formal notice that this was going to occur. I proceeded to call them in XX/XX/XXXX and ask what happened and they told me the above occurred and that to avoid this happening in the future, I needed to pay the full balance before the closing date. I proceed to pay the full balance for XXXX on XX/XX/XXXX ( before the next closing date on XX/XX/XXXX ) and find on XX/XX/XXXX that they are still charging me interest rates. I call again on XX/XX/XXXX to ask what happened and they tell me that I now have XXXX billing cycles ( XXXX by the XXXX of every month and XXXX by the first of every month ) and thats why I accumulated interest. Again this was not disclosed in any formal notice or in the call I had in XXXX. I was also told that the notice I got for the change in interest rate effective on XX/XX/XXXX, was disclosed in an email they sent me ( which I dont have and doesnt show in the account notices ) and in my statement for XXXX. When I check the statement, it does say that the interest was going to change but it does not state anywhere of the billing cycles change or that I had to pay before XX/XX/XXXX to avoid getting charged interest ; if anything it still says that to avoid getting charged interest I needed to pay by the XX/XX/XXXX, which I did.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was incarcerated from XX/XX/year> until XX/XX/year>. During that time XXXX transactions were posted to my account that were not and could not of been performed by me. I filed a dispute containing all XXXX transactions along with the official proof of incarceration provided to me by the jail. I also submitted other proofs so that Chime could verify my whereabouts during the time of those transactions. Chime denied my dispute claiming that they believe nothing wrong happened. I called and tried to appeal their decision and was told that was not an option and there was nothing more that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: PA

Complaint narrative:
On XX/XX/year>, an unauthorized {$1800.00} transaction was processed through XXXX XXXX using my debit card without my knowledge or authorization. The payment was sent to a deactivated or fraudulent account. I did not initiate, approve, or benefit from this transaction. 

I immediately notified XXXX XXXX  and filed a fraud dispute. Despite this being clearly unauthorized electronic fraud, XXXX XXXX denied my claim and labeled the transaction as authorized, refusing to provide Regulation E consumer protections or reimbursement.

I then attempted to dispute the charge directly with XXXX XXXX. However, Meta provides no clear or functional fraud reporting channel. Their system redirects users through unrelated help pages ( ads, general support articles, or non-payment forms ) and does not offer a direct method to report unauthorized transactions. This design effectively prevents consumers from filing complaints or obtaining assistance. There is no accessible fraud department, phone number, or email. The process appears intentionally confusing and obstructive. 

As a result, both XXXX XXXX and XXXX XXXX have failed to investigate or resolve an obvious unauthorized transaction. I have been left without my funds and without meaningful support.

This appears to be a systemic failure where : The bank refuses to honor fraud protections, and The payment platform makes dispute reporting deliberately difficult or impossible.

I am requesting full reimbursement of {$1800.00}, a proper fraud investigation, and corrective action to ensure XXXX XXXX provides a clear and accessible method for consumers to report unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment remarks reported on my credit file. These late payment entries are incorrect and do not accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Unauthorized member-to-member transfers were made from my Navy Federal Credit Union account XXXX XX/XX/year>, XX/XX/year>, and XX/XX/year>, without my consent. 

At the time of these transfers, I was experiencing XXXX  XXXX. My ex-partner had access to my account and used coercion, threats, and control to take money from me. Some of the transfers occurred while I was hospitalized in a XXXX  XXXX due to the XXXX XXXX situation, and others occurred shortly before and after this period as part of the ongoing XXXX. 

I did not authorize these transactions. I reported the unauthorized transfers to Navy Federal Credit Union and explained that the transactions occurred under coercive and unsafe circumstances related to XXXX  XXXX. 

On XX/XX/year>, I submitted Navy Federals required XXXX XXXX XXXX XXXX XXXX signed under penalty of perjury, stating that I did not authorize the transfers. I also provided court documentation related to the XXXX  XXXX situation to support my claim. 

Despite submitting the completed fraud declaration, providing court documents, and explaining the coercive circumstances under which the transfers occurred, my dispute was denied. I do not believe the bank fully considered the evidence, the court documentation, or the impact of XXXX  XXXX and coercion on my ability to protect my account during this period. 

I am requesting that Navy Federal conduct a proper investigation, fully consider the documentation provided, and refund the unauthorized transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2026, I used Chase Bank 's " Replace a Card '' feature and selected " My card is damaged. '' The on-screen disclosure explicitly stated : " Your card number won't change, so you can activate the replacement card. '' Based on this statement, i reasonably believed my stored payments would continue uninterrupted. 

When I received the replacement debit card, Chase had changed the expiration date and XXXX code without clearly disclosing that these credentials would change. This caused my stored payment method with XXXX to be rejected. 

From XX/XX/2026 through XX/XX/2026, this issue has caused ongoing financial harm. I rely on a XXXX rental vehicle to work as an XXXXXXXX XXXX XXXX, and the payment failure has prevented me from continuing my rental contract. I am now facing a towing fee of {$610.00}, rental interuption costs, and loss of income. 

This harm was directly caused by Chase 's misleading disclosure during the card replacement process. Changing the expiration date and XXXX  constitutes a material change in card information, and the failure to clearly disclose this resulted in foreseeable financial damage. 

I am requesting a formal investigation, written response, and reimbursement/compensation for all fees, loses, and harm associated with this issue, including towing fees, rental disruption costs, and lost income. I have supporting documentation, including screenshots and timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am filing a complaint against TD Bank for its refusal to reimburse me for an unauthorized electronic transaction of {$1800.00}. 

On XX/XX/year>, a payment was processed via XXXX XXXX for a XXXX XXXX purchase. The transaction was later determined to be fraudulent. The seller account was impersonated/hacked, and I did not knowingly authorize payment to a legitimate merchant. This was clearly an unauthorized transfer. 

I reported the fraud to TD Bank immediately and opened claim XXXX  [ XXXX XXXX XXXX Despite providing documentation, screenshots, and an explanation that the transaction resulted from impersonation and fraud, XXXX  denied my claim multiple times, incorrectly classifying the charge as authorized. 

Under Regulation XXXX of the Electronic Fund Transfer Act, consumers are protected from unauthorized electronic transfers, including transactions resulting from fraud or account impersonation. TD Bank has failed to properly apply these protections and has refused to issue provisional or permanent credit. 

Additionally, TD Bank has repeatedly told me to resolve this directly with XXXX XXXX. However, XXXX XXXX does not provide meaningful consumer support. There is no effective way to reach a live representative or formally dispute the charge. The platform functions in a way that leaves consumers without protection or recourse. It is unreasonable and inappropriate for TD Bank to shift responsibility to a XXXXXXXX processor when federal law places the obligation on the bank. 

I have acted promptly and in good faith at every step. TD Banks refusal to properly investigate or reimburse for the unauthorized transaction has caused financial harm and significant stress. 

I am requesting that TD Bank : Reopen and properly investigate my claim Apply Regulation XXXX protections Provide reimbursement for the {$1800.00} unauthorized transaction Provide a written explanation of their findings I am seeking an immediate resolution. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX When I purchased this Policy on XXXX I listed my wife XXXX XXXX and myself XXXX XXXX as the policy holders. They agree to cover both of us and 3 vehicles for {$790.00} for 6 months. I liked the price and I signed the agreement. On XXXX XXXX I received a mail from XXXX requesting to list drivers that they said that I did not list and they are in my household. I mailed next day, XXXX the requested exclusions forms to XXXX  and explain that those persons, my sister XXXX XXXX XXXX in XXXX and she have more than 7 years that doesn't visit me, XXXX XXXX that is my sister-in-law and lives in XXXX and my son XXXX XXXX who has his own car and pays his own insurance is away from college. on XXXX XXXX  I receive a notification that they will increase my policy to $ XXXX mo. because they didn't receive the exclusion forms for XXXX and XXXX and they added to the policy and that caused an increase of {$1400.00}. Next day, XXXX XXXX I called XXXX to Customer Services and I was asking why they added people without my authorization to my policy when I sent the exclusions forms. They told me that because they didn't receive the exclusion forms, they proceed to increase my policy, I said I did, I mailed on XXXX they said that never received. During that conversation they instructed me to send the exclusions form again to an email address for XXXX they provide and I they said they will adjust the policy amount .Yes, we got disconnected just before at the end of our conversation and after they instructed me what I need to do. I proceed and sent the exclusions forms same day again to the email they provide me to do it hoping that this will end the problem. ( Attached is the email that I sent that day ) on XXXX.I called XXXX and cancelled my policy, the person that was taking my call didn't mention how much will be the balance and told me to wait for the cancellation letter .. On XX/XX/XXXX XXXX I received and email from XXXX  that because I cancelled the policy, I owed them a balance of {$640.00}. They can not increase my premium without my authorization just placing people that they said are in my household when I demonstrate that they don't live with me. And also I am not agreed when XXXX said that they never received the exclusion form from XXXX since I sent it 2 times in different days. Is not fair to pay for people that not listed in the policy that XXXX wants to add and making you pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized charges from a merchant called " XXXX  '' ( also appearing as XXXX XXXX ). I immediately called Wells Fargo to report these as fraudulent and requested a stop payment and a merchant block. 

Despite my clear request over the phone, Wells Fargo failed to stop the transactions, and an additional {$280.00} was charged to my account. When I followed up via email, the bank responded with a generic message stating they can not help me through that channel. 

I have also attempted to call XXXX, but they never pick up the phone. I am a victim of fraud, and my bank, Wells Fargo, has failed to protect my funds even after being notified. I demand a full refund and a permanent block on this merchant.

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 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
My daughter stater school in XXXX at XXXX XXXX XXXXXXXX XXXX. I signed the parent plus for the XXXX school year. I do have the ledger from the XXXX that stated that {$5700.00} was applied to the XX/XX/XXXX year on XX/XX/XXXX, however the loan department ( Mohela ) states that {$6200.00} was awarded and applied on XX/XX/XXXX the following school year. I did not sign for this and also the school stated that they only have record of the {$5700.00} disbursement for the parent plus. We have requested documents for myself and my daughter from the XXXX and they have provided all documents. Mohela has failed to provide the documents for my daughter and only can provide me with a promissory that does not reflect what information that was provided by the XXXX. I need help resolving this issue as they are trying to collect over {$10000.00} dollars more that what i can prove was awarded to the XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: OH

Complaint narrative:
This debt collector sent me a notice stating that it had acquired a purported debt allegedly belonging to me. The notice advised that I had the right to request validation of the debt. Shortly after receiving their letter, I mailed a written request for debt verification to the address provided by the company. The letter was sent via certified mail. In that correspondence, I also requested that the company refrain from reporting the alleged debt to any credit reporting agencies until proper verification was provided, and that all future communication be conducted by mail only. 

Despite multiple delivery attempts, the certified letter was never claimed by the company. I subsequently contacted the company by phone to inquire as to why my written request had not been accepted. During that phone call, a company representative stated that they would read my full Social Security number aloud. 

I consider this conduct highly inappropriate and concerning. The company demonstrated a lack of care and confidentiality in handling sensitive personal information, and their willingness to verbally disclose a full Social Security number raises serious concerns regarding their data privacy and security practices. Based on these actions, I believe this company should be investigated for potential mishandling and exposure of consumers personal identifying information.

Company response to consumer: Closed with explanation