vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Around the XXXX of XX/XX/XXXX, I called Barclays/Athleta to dispute a {$49.00} charge from XXXX. On XX/XX/XXXX, I contacted Barclays/Athleta again to dispute the {$49.00} XXXX charge XXXX XXXX ) due to canceling the subscription. I spoke with XXXX. On XX/XX/XXXX, after no dispute proliferated on my Athleta/Barclays account , I called Athleta/Barclays again to follow-up on the dispute and for the first time I was given a dispute case number of # XXXX. On XX/XX/XXXX, after noticing the {$49.00} charge from XXXX had been re-charged to my Athleta Barclays account and XXXX having removed all of my music and disabling my account, I asked Athleta/Barclays again to refund me. They refused saying the dispute had been closed. As of XX/XX/XXXX, Barclays/Athleta charged me upwards of 3 or more times for the same {$49.00} transaction ( that I cancelled ) to reap interest and then refunded XXXX of the charges after interest charges were obtained and leaving XXXX of the {$49.00} charges, despite me continually informing Athleta Barclays that my account had been removed from XXXX and XXXX no XXXXXXXX XXXX were being provided and a refund is warranted.

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 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am the victim of identity theft. The debt being reported in my name was not opened, authorized, or incurred by me. I did not give the creditor or any debt collector permission to access or use my consumer report for this account. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for a permissible purpose. Because this account was created through identity theft, no permissible purpose existed for obtaining or using my credit information. I provided the creditor/collector and the credit reporting agencies with an identity theft report and documentation showing that this account does not belong to me. Under 15 U.S.C. 1681c2, the credit reporting agencies are required to block all information that results from identity theft within four business days of receiving proper documentation. Despite this, the account continues to appear on my credit report and is being used to attempt collection. I have repeatedly disputed the account and requested blocking under 1681c2, but the company has failed to remove or cease reporting the fraudulent information. Their continued reporting and collection attempts are harming me financially and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require the company and the credit reporting agencies to : Block and remove all information related to this identitytheft account Cease all collection activity Confirm in writing that the account has been permanently removed from my credit file I am exercising my rights under the FCRA and requesting enforcement of 15 U.S.C. 1681b and 15 U.S.C. 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am reporting a missing incoming XXXX XXXX ( XXXX ) deposit of {$1000.00} to my Chase checking account ending in XXXX. The transfer was initiated via J.P. Morgan on XX/XX/year>, with Transaction Reference : XXXX and Customer Reference : XXXX. I presented the official J.P. Morgan 'Proof of Payment ' showing a 'Completed ' status to Chase branch specialists. However, Chase officially denies receipt of the funds and has refused to conduct a back-end investigation through their Direct Deposit/Clearing Team , or provide a formal non-receipt letter. Branch staff simply dismissed the formal document by questioning its authenticity because the funds were not showing on their front-end system, even though an XXXX transfer should be instantaneous. My account is fully active and functional, regularly receiving university payroll deposits without any issues, which rules out any account blockages on my end. The funds are currently lost in transit between the J.P. Morgan and Chase systems. I demand Chase 's Executive Office trace this incoming XXXX message and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a text appearing to be from Chase about a possible fraudulent XXXX charge. Shortly after, I was contacted by someone claiming to be a Chase fraud representative. They already knew details about my bank and convinced me they were helping secure my account and reverse fraudulent activity. I was instructed to send money through XXXX of an amount of {$1600.00} and a separate payment through XXXX XXXX of an amount of {$100.00}. The person claimed this as part of the supposed fraud-protection process, and I was told the funds would be reversed once I received a new card. I later realized this was a scam and that I had been deceived into authorizing the transfers under false pretenses. I am requesting an investigation into the fraudulent impersonation and any recovery options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Im filing a complaint against " CAINE WEINER '' because they are reporting a collection account ( original creditor listed as XXXX ( Insurance ), account # XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account. Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA . Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I attempted to add money to my Wise account over 28 days ago, but the funds have still not been made available in my account. The money was successfully withdrawn from my bank account/card, however Wise has continued to hold the funds without providing a clear explanation or resolution timeline. I have contacted customer support multiple times and have not received a meaningful update regarding when my funds will be released or returned. I have complied with any verification requests and provided requested information, yet the issue remains unresolved. As a result, my money has been inaccessible for 4 weeks, causing significant financial inconvenience and frustration. I am requesting that Wise immediately : Return the full amount back to the original payment method without further delay. I am also requesting a written explanation regarding the reason for the prolonged hold and the status of the review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
b'Online Information Services XXXX XXXX for XXXX XXXX XXXX XXXX \nThey put this onto my credit report. This account isnt mine. I have never had XXXX XXXX I have ask for my signature showing I signed for this company and they cant provide that.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, I made a XXXX payment via my Ally Bank account. The XXXX payment did not go through, and the app told me to call the bank to resolve. I called the bank, and they said I would need to talk to their specialist as they can not help me. I called multiple times to get a hold of the specialist, but was not able to get a hold of one until the next day, after 4 calls of more than 30 minutes hold each time. The next day XX/XX/year>, I finally was able to reach a specialist. They said my XXXX was frozen due to suspected fraud. I told them there is no fraud, its genuine - I don't need the payment to go through anymore, but I'd like the XXXX to be unfrozen. They said they can not, and furthermore, they need to verify my authenticity for my regular bank accounts with them. I've been with Ally for 10 years. They asked me security questions, which I answered correctly. Then, the specialist said that they can not disprove the fraudulent activity so they must put a hold on ALL my banking activity. I said what makes her think there is fraud, and she says there's multiple direct deposits. I ask her which ones and she points to regular XXXX payouts and bank transfers from my own other bank accounts. I tell her those all legitimate but she says she can not do anything else. She says I must wait some time ( undefined ) for the account to be reviewed and unfrozen. This is my main bank that I've banked with for 10 years. I have {$7400.00} in my checking and savings accounts there. I need this money to pay all my bills throughout the month. Freezing my account like this without valid reason for this long puts me at definite risk of missed payments and losing credit with my landlord and bill payees. I need to order checks from another bank to even pay rent, and I don't have the funds to pay for it until I can use my Ally funds again. At this point, I can not even log into my account. To claim fraud, dismiss true authenticity, and freeze my main checking account with my money in it is completely unethical and illegal. I've research online and found many Ally bank users have been faced with this situation.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/year>, I financed a XXXX XXXX XXXX through Affirm for {$2400.00} with the merchant XXXX XXXX XXXX . The agreement included ongoing coaching services and regular communication through the designated platform. Beginning around XX/XX/year>, communication from the coach became inconsistent and then stopped. Despite multiple attempts to contact the merchant through the agreed communication channel, I did not receive consistent responses or ongoing coaching support as outlined in the agreement. Additionally, an agreed-upon written coaching deliverable was not provided. I submitted a dispute through Affirm and provided evidence including screenshots of unanswered messages, contract terms outlining communication expectations, and documentation of missed deliverables. Affirm reviewed the dispute but ultimately denied it, and the loan remained active. The issue is not buyers remorse, but the non-performance of ongoing services under a financed agreement while payments were still active. I am requesting a review of this decision due to failure of service delivery and communication breakdown under the terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized charge of {$9.00} from " XXXX XXXX XXXX '' attempted to hit my brand-new Chime debit card. I do not have an XXXX account, and my payment information has been compromised and linked to a fraudulent third-party account. Because this is a newly issued card, Chimes automatic network updater feature is likely feeding my new details directly to this unauthorized merchant. I contacted Chime support to report this active fraud and formally requested a permanent merchant block or a Stop Payment on XXXX to prevent future attempts. The initial representative refused to help. When I demanded to escalate the issue, I was connected to a " supervisor '' named XXXX appeared to be the exact same agent merely altering her speaking pace. Supervisor XXXX repeatedly gaslighted me, insisting that I have an XXXX account when I do not. She refused to process the fraud report, refused to issue a merchant block, and explicitly told me that I had to contact XXXX myself to resolve it. I explicitly reminded her that under federal law ( Regulation E regarding unauthorized electronic fund transfers ), Chime is my financial institution and is legally obligated to investigate and mitigate unauthorized access once notified. XXXX refused to budge or comply with federal consumer protection regulations. Chime is failing its legal duty to protect my funds and is forcing me to deal with a merchant where I have no account or login credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OR

Complaint narrative:
In XX/XX/year>, Aldous & Associates P.L.L.C. began reporting a collection account in the amount of {$2700.00} to consumer credit reporting agencies on behalf of XXXX XXXX XXXX. I dispute this debt in its entirety because the original creditor could not provide itemized documentation supporting the charges. On XX/XX/year>, I sent a formal debt validation request via certified mail to Aldous & Associates, pursuant to 15 U.S.C. 1692g of the FDCPA, requesting the following : the original creditors information, a complete itemized breakdown of the charges, any contract bearing my signature, proof of legal authority to collect, and proof that the debt is within the statute of limitations. On XX/XX/year>, Aldous & Associates responded in writing, stating that they were unable to locate the account in their office and could not respond to my dispute. No validation documentation was provided. Despite failing to validate the debt, Aldous & Associates has continued reporting this collection account to XXXX and XXXX. Additionally, their collection letter was sent on attorney letterhead identifying XXXX XXXX Aldous as an attorney, yet the same letter disclaims any attorney review of the account. This constitutes a deceptive and misleading communication under Section 1692e of the FDCPA. I respectfully request that the Consumer Financial Protection Bureau investigate Aldous & Associates for violations of the Fair Debt Collection Practices Act and require them to immediately remove this unvalidated collection account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am filing this complaint regarding my XXXX account, which was permanently restricted/closed without a clear explanation. I received notice from XXXX that my account had been permanently banned. I complied with all requests for identity verification and submitted the documentation requested, including my government-issued ID. Since then, every attempt to contact support has resulted in generic or automated responses that do not address my specific questions or explain the basis for the restriction. I am requesting : 1. A manual review of my account by XXXX compliance or account specialist team. 2. A clear explanation of the reason for the permanent restriction, including whether it was triggered by a specific transaction, policy concern, or verification issue. 3. Clarification regarding whether the restriction is truly permanent or whether there is any appeal or reinstatement process available. I understand that financial companies may restrict accounts for compliance or security reasons. However, I believe consumers should be given meaningful communication and an opportunity to understand or resolve issues where possible. At this time, I have not been able to obtain any substantive response despite repeated good-faith attempts to communicate with XXXX support. I respectfully request that XXXX provide a detailed response and conduct a genuine manual review of my case rather than automated replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: NM

Complaint narrative:
I am filing a formal complaint against Crypto.com ( XXXX XXXX, XXXX ) for failing to timely close and secure a compromised account following an explicit fraud notification. On XX/XX/year>, I sent an urgent email to Crypto.com security requesting an immediate account freeze and closure due to a scam. Crypto.com failed to execute a permanent closure. Instead, they locked my access to the account, preventing me from monitoring it. On XX/XX/year>, a customer support agent confirmed via chat that the account was " locked down '' and would eventually be closed, but explicitly refused to provide a concrete execution date or timeline for permanent termination. Because my verified identity ( XXXX XXXX ) remains tied to an active, compromised account that I can not access, I am exposed to severe financial liabilities and identity theft. Crypto.com 's refusal to provide a binding closure date constitutes a failure to mitigate fraud on their platform. DESIRED RESOLUTION : Immediate permanent closure of the account tied to my email.Official written confirmation stating the exact date of termination.A formal liability waiver ensuring I am not held responsible for any unauthorized activity occurring after my initial XX/XX/year> notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, scammers compromised my friends phone and gained unauthorized access to their XXXX account. Using social engineering tactics, they impersonated my friend and sent urgent messages to me requesting that I send {$700.00} via XXXX. Believing the request was legitimate and coming from a trusted friend, I initiated and completed a {$700.00} XXXX transfer from my Capital One bank account that same day. On XX/XX/year>, I contacted my friend and he informed me that their phone had been hacked and that the XXXX messages were fraudulent. I immediately reported the incident as fraud to Capital One on the same day ( within approximately 24 hours of the transfer ). I provided screenshots of the fraudulent XXXX messages, confirmation from my friend that they did not request or authorize the money, and all other requested details. Capital One later denied my fraud claim ( Claim # XXXX ). The denial stated : We finished researching your disputes. Based on the information we have, your claim has been denied due to the following : The payment was processed according to your payment instructions. You can still try to resolve this directly with the merchants. This was clearly not a legitimate merchant transaction. It was a social engineering scam that exploited a hacked XXXX account to impersonate someone I trust. I did not knowingly authorize a transfer to a scammer. The payment instructions were obtained through fraud and impersonation. This scam has resulted in a direct financial loss of {$700.00} that I have not been able to recover. Beyond the monetary loss, the incident has caused significant emotional stress and anxiety. Knowing that a close friends phone was taken over and used to deceive me has made me feel violated and has shaken my sense of trust in digital communications, even with people I know well. I now find myself constantly second-guessing messages from friends and family, which has added strain to personal relationships. The situation has also created considerable practical burdens. I have spent many hours gathering evidence ( XXXX screenshots, statements from my friend, bank documents ), filing reports, appealing the banks decision, and dealing with ongoing correspondence. The stress has disrupted my daily routine and caused worry about potential further risks related to the phone compromise and identity theft. The banks denial has left me feeling frustrated and unsupported, especially given how quickly I reported the fraud. I am reporting this to help authorities track and stop these common XXXX impersonation scams that combine phone hacking with urgent XXXX requests. I have also prepared supporting documents including my friends signed statement, timeline of events, XXXX screenshots, the Capital One denial notice and a police report.

Company response to consumer: Closed with explanation