vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers from my Chime account that were improperly denied without a reasonable investigation. On or around XX/XX/XXXX, my account was subjected to a series of unauthorized transactions totaling approximately {$2300.00}. These transactions consisted of at least XXXX repeated charges from a merchant listed as XXXX XXXX, typically in increments of {$20.00} {$25.00} over a short time period. I did not authorize, initiate, or benefit from any of these transactions. I still had possession of my debit card at all times. The pattern of transactions is consistent with fraudulent card testing and account draining activity, not normal consumer behavior. I promptly reported the unauthorized transactions to Chime and filed a dispute. Despite the clear fraud pattern and the number of transactions involved, Chime denied my dispute quickly and without providing any meaningful explanation or documentation supporting the denial. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation into unauthorized electronic fund transfers and provide provisional credit if the investigation can not be completed promptly. In this case : No provisional credit was provided The dispute was denied without a clear explanation The volume and pattern of transactions were not properly considered I am requesting : XXXX A full and proper investigation into these unauthorized transactions XXXX Immediate provisional credit for the disputed amount XXXX Written documentation explaining the basis for the original denial XXXX Reimbursement of all unauthorized charges I am prepared to provide transaction records and any additional information necessary. I respectfully request that this matter be reviewed for compliance with Regulation E requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Summit A*R, Inc.
State: NC

Complaint narrative:
On XX/XX/2026, I emailed the collection agency requesting verification of the debt as required under the Fair Debt Collection Practices Act. XXXX weeks later ( approximately XX/XX/2026 ), a representative named XXXX XXXX called requesting settlement. When I mentioned I had sent a verification request via email, he claimed they never received it and asked me to resend it. I immediately forwarded the original email. XXXX XXXX agreed to call me that Friday to discuss settlement terms. He did NOT call on Friday as promised. Instead, I received a threatening email from XXXX XXXX claiming he had " called me multiple times '' but I didn't answer, and demanding I " remit full payment immediately. '' I checked my phone call logs - there were XXXX missed calls from this agency or number. This was a false statement. I attempted to call back multiple times but could not reach anyone. Today ( Monday, XX/XX/2026 ), I finally reached XXXX XXXX. His demeanor became aggressive, and he stated they could not settle the debt because " it's against XXXX policy. '' When I asked to speak to someone else, I was transferred to another representative who offered a payment plan, stating they would delete the account from my credit report once all payments were completed. When I requested this agreement in writing before making any payments, the representative stated this was " against company policy '' and they could only provide verbal agreements. When I questioned why they couldn't provide written documentation, he repeated " that's just our policy. '' VIOLATIONS : Made false statements ( claimed multiple phone calls that never occurred ) Refused to provide written settlement/payment agreement Deceptive practices ( claiming written documentation is " against policy '' ) Inconsistent and misleading information about settlement options Aggressive communication tactics when questioned I have a recording of today 's conversation documenting the refusal to provide written terms. I am concerned about entering any agreement without written documentation and believe these practices violate the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I enrolled with National Debt Relief in XX/XX/year> and made biweekly payments of approximately {$480.00} through XX/XX/year>, totaling around {$8000.00}. During my time in the program : * I did not approve any debt settlements * No settlements were completed * No payments were made to any of my creditors I have since canceled my enrollment and requested a full refund of my remaining funds along with a complete itemized accounting of my account. The company has failed to provide a proper breakdown of : * Total funds deposited * Fees charged ( with dates and descriptions ) * Remaining balance They provided a statement confirming that there are XXXX settled accounts and no resolved debt. Despite this, they are attempting to charge me {$4100.00} in negotiation fees and advances related to a XXXX XXXX account that I never approved for settlement. I dispute these charges because : * I did not authorize any settlement * No settlement was completed * No payment was made to the creditor I am requesting : XXXX. A full itemized accounting of my account XXXX. Removal of any invalid or unearned fees XXXX. A refund of all remaining funds held in my account The company has delayed responding and has attempted to redirect me to phone calls instead of providing written documentation. I am seeking assistance in obtaining my funds and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/year>, I was the victim of a social engineering phishing scam. I was directed to a fraudulent website impersonating XXXX and deceived into authorizing a {$500.00} payment to XXXX through my XXXX account. I reported the fraud to XXXX immediately on XX/XX/year>. My bank froze my account due to the fraud report, which caused the bank transfer to fail. XXXX then covered the {$500.00} payment and is now demanding I repay them despite my immediate fraud report. XXXX denied my dispute ( Case ID : XXXX XXXX stating the transaction was not unauthorized. However, this payment was made under false pretenses through social engineering fraud. I was deceived into authorizing it. I have filed a complaint with the FBI Internet Crime Complaint Center, reported the fraudulent site to XXXX who has since shut it down, and am filing a police report. The scam domain ( XXXX ) was only XXXX days old when the fraud occurred. XXXX is now holding my account frozen and demanding {$500.00} repayment from a verified fraud victim who reported immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Complaint Against Wells Fargo Failure to Address Possible Unauthorized Account Access I am filing a complaint against Wells Fargo Bank regarding concerns about possible unauthorized access to my account and the banks failure to adequately investigate or explain the issue. I have reason to believe that there are multiple debit cards and/or account access points associated with my account that I did not authorize and do not recognize. Despite visiting Wells Fargo branches, I have not received a clear or documented explanation addressing these concerns. My concerns include : - Possible issuance of multiple debit cards without my authorization - Lack of transparency regarding who has access to my account - adequate investigation or documentation provided by the bank I am requesting that Wells Fargo : - Conduct a full audit of my account, including all debit cards issued and all authorized users - Provide documentation showing how any additional cards or access were authorized - Confirm whether any Power of Attorney or XXXX-party authority exists on my account - Take immediate corrective action if unauthorized activity is identified I am seeking a formal written response and resolution to ensure the security and integrity of my financial accounts. Sincerely, [ Your Full Name ] [ 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 2026-04-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An unrecognized collection amount titled XXXX XXXX appeared on my credit report. Shortly after it appeared, my credit score plummeted from around XXXX to XXXX. Obviously, this immediately raised red flags, as I do not have any outstanding loans or debt, and all I do is pay off my credit card on time every time. The first thing I did was call XXXX XXXX. They pushed my resolve the dispute by simply paying the outstanding amount, but why would I pay for a collection amount thats not mine? They explained that the amount was related to a XXXX XXXX phone service company ( I remember it wasnt XXXX XXXX XXXX, which is what I have ) and it was unresolved since last year ( Ive lived in XXXX the past few years ). After researching online, I heard that I should reach out to XXXX XXXX and Equifax to get this unrecognized amount deletedXXXX XXXX and XXXX was smooth they deleted the amounts on XX/XX/XXXX and XXXX, respectively. However, I was unable to login to my account online for Equifax , so I gave them a phone call. They informed my that I will get a physical mail with the dispute results. I received the mail yesterday ( XX/XX/XXXX ), which is weeks after I put in the dispute over the phone only for them to tell me that the disputed collection belongs to me. It does not. After further research, I was told that reaching out to CFPB is reliable. Please help me push Equifax to remove this collection amount, as it is not mine and it is negatively affecting my credit score that I worked so hard to build. Thank you very much in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding a collection account being reported on my credit file that I did not authorize, open, or consent to. The account is listed as : * Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1100.00} * Status : Collection / Derogatory I have no knowledge of this account and did not enter into any agreement with the original creditor for the services associated with this debt. This constitutes inaccurate and potentially fraudulent reporting. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full verification of this account. To date, no documentation has been provided proving that I authorized or am legally responsible for this account, including : * A signed agreement or contract with my signature * Proof that I authorized the account to be opened * Documentation linking me to the debt Because this account was not authorized by me, it should not be reported on my consumer credit file. Reporting unauthorized accounts is a violation of federal law and has caused harm to my creditworthiness. Requested Resolution : I am requesting that the company and credit reporting agencies : 1. Conduct a full investigation into this unauthorized account 2. Provide documented proof that I authorized this account 3. Immediately delete this account from all credit reporting agencies if such proof can not be provided If this account can not be verified as authorized by me, it must be removed promptly. I expect a timely response and written confirmation of the outcome of this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Collection company LVNV Funding LLC is attempting to collect on a dept that was charged off by the original credtitor. They claim to own 4 different debts for the amounts of {$860.00}, {$1200.00}, {$700.00} and {$890.00}. Company has enlisted multiple other collection companies to contact me for collection the on debts. Accounts have been disputed multiple times with the credit bureaus and comes back verified with no explanation provided to me. Company has passed on my information to other companies in order to collect on their behalf. LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX Re : Account Numbers : For The Amount of {$1200.00} ( Per TransUnion Credit Report ) For The Amount of {$700.00} ( Per TransUnion Credit Report ) For The Amount of {$860.00} ( Per TransUnion Credit Report ) For The Amount of {$890.00} ( Per TransUnion Credit Report ) To Whom It May Concern, I am writing in response to your communication regarding the above-referenced accounts. I am requesting validation of these alleged debts pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute these debts and request that you provide proper verification. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt A copy of any agreement bearing my signature showing that I have a legal obligation to pay A complete payment history, including any interest, fees, or charges added Proof that LVNV Funding LLC has the legal right to collect these debts ( including assignment or purchase documentation ) Verification that the debt is within the applicable statute of limitations Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding these alleged debts except to provide the requested validation or to notify me of specific legal action. Until you provide the requested validation, you must cease all collection activities and reporting to credit reporting agencies regarding these accounts. If you are unable to provide proper validation, I request that these accounts be deleted from my credit report and that no further contact be made regarding this matter. Please note that I prefer all future communications to be conducted in writing. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a phone call on XX/XX/year> from an imposter who convinced me they were attempting to " resolve fraud '' on my Bank of America checking account. This person told me that I needed to " act immediately '', and that they would be certain to get my money returned to me. I was ultimately manipulated into moving {$1900.00} into an AppleCash account, which was not intentional, and I did it under the impression that I was speaking to a real Bank of America agent who was there to help me. As soon as I realized this was fraud or a scam ( after the fact and after I never received the promised confirmation email ), I reported it to Bank of America and started a claim. On XX/XX/year>, Bank of America reached out to me and told me that they denied said claim, because " this transaction was authorized by you or another authorized person ''. First of all, I am the only authorized person on this account. Secondly, I had provided evidence of who called me, and which company name the scam transaction was attached to, which the claim agent told me was " definitely an imposter '' and that Bank of America WOULD be able to recover my money. Now, they are saying that I am not covered " since this was a scam ''. I called Bank of America this morning ( XX/XX/year> ) and spoke with the claims department, requesting to re-open this claim and escalate this situation further. All the agent did was re-open the claim, and told me they'd be in touch with me in XXXX business days. I have been banking with Bank of America for almost 13 years, and I am very upset that they can not recover the {$1900.00} after all of the information I provided. When I asked for a supervisor, I was told that the only action they could take at this time was to simply re-open the claim and wait. I am a schoolteacher, I work hard, and I deserve this money back. I did not deserve to be taken advantage of, and I expect Bank of America to prioritize resolution, not keep making me re-submit claims or wait on hold for hours. I am really hopeful this can be recovered.

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 2026-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XXXX I left for trip from XXXX to XXXX I was gone XXXX to XXXX and have proof of my trip After I returned I found charges on my Bank of America Cc that were checks cashed while I was gone. Apparently they sent me a new card with checks attached, I did not order any checks, and they came with no security as the card did with the activation method, the card was never activated. my espoused wife, XXXX XXXX, got the mail, opened it and proceeded to write 2 checks and forge my signature. I found the opened mail in her bedroom. she deposit 1 for XXXX into our joint checking and quickly spent it. the other check she wrote to herself for XXXX, forged my signature and it is not even close to my signature, and she used it open another account in her name only I immediatley reported the Fraud, and BOA took 2 days and denied this. no reason, and immediately put the charges back on my account After calling them, I was told that they would reopen the fraud, however that was over 2 days ago, and it still shows closed. I have filed a police report with the XXXX XXXX XXXX, case no XXXX with XXXX XXXX XXXX XXXX please help thanks 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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
My account was temporary restricted for no reason they wouldnt even given me a reason on why! I have money on my account also have bills and my child to provide! I told them that my bills is due, they restricted on XX/XX/XXXX they didnt Care! Dey keep saying I gotten a email which is. Lie cause I check every folder!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am receiving threatening text messages from Bridgecrest again after submitting a complaint about the same issue. Currently, my bill contains the purchase of an extended warranty from XXXX XXXX, that at the time of purchase, I was told by the salesman XXXX XXXXXXXX XXXX that the warranty was XXXX miles when the actual warranty mileage was only XXXX. The amount I am paying for the car 's total price is also significantly higher the XXXX sale price. I am currently without the vehicle right now because it needs a new engine. During this whole process, I have called XXXX XXXX who referred me to call Bridgecrest, who then referred me to Drive Time, who referred me back to XXXX XXXX over the issue. Thankfully XXXX extended their factory warranty. However, this now puts me another two to three weeks out of work without a paycheck coming in. I do not need these threatening text messages from Bridgecrest right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
ticket # XXXX ticket # XXXX I am filing a complaint against Gemini XXXX XXXX regarding ongoing restrictions placed on my account, preventing me from accessing and withdrawing my funds. I attempted to withdraw my assets and received a security hold message. I fully complied with all verification requests and submitted all required documentation multiple times. Despite this, my account remains restricted with no clear explanation, no defined resolution steps, and no timeline provided. It has now been over a week without meaningful progress. Due to the lack of support, I was approached by an external party impersonating a Gemini employee who attempted to direct me to a fraudulent website to sync my wallet. This situation arose directly because Gemini failed to provide timely support, exposing me to risk. I am currently unable to access my funds, which is causing financial hardship and significant distress. I am requesting : Immediate review of my account A clear explanation for the restriction Specific steps required to resolve it Restoration of access to my funds without further delay ticket # XXXX ticket # XXXX

Company response to consumer: Closed with explanation