vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
I am writing to express my deep frustration and urgent need for assistance regarding the ongoing hold on my funds. Since XX/XX/XXXX, I have been unable to access my XXXX XXXX card and my funds remain frozen, which has caused severe financial hardship. In XX/XX/XXXX, I contacted XXXX XXXX by phone and was instructed to send an email, which I did. Unfortunately, the response indicated that you could not help. When I called again in XX/XX/XXXX, I was told to contact Social Security. Social Security informed me that XXXX XXXX is responsible for releasing my funds and they no longer use the form being requested. I followed up with XXXX XXXX again in XX/XX/XXXX, but the issue remains unresolved. Since then, I have made multiple attempts to resolve this problem : contacting XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as sending emails and letters. Despite these efforts, my funds are still on hold. I am an elderly person and have been evicted from my home because I can not access the money that is rightfully mine. I have back rent to pay and debts accumulating, all due to the continued hold on my funds. I urgently request that you release my funds immediately and restore access to my XXXX XXXX card. This situation has caused undue hardship and must be resolved without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> {$4400.00} firstly, I never authorize this transaction. In addition they charge my card and then told me my vehicle is ready to be picked up.. I was in shock by the amount they charged and that they didnt get my approval. The only approval they had was to do a diagnostic test nothing further.. in addition to getting my vehicle back, I was immediately having the same issues as when I brought it in there they did not fix the issue in addition by another mechanic shop. I was told that they dont see anything that was replaced and that it needed a full transmission. I contacted the dealership and they told me if I could give them proof that the issue wasnt fixed which I did that they would refund me when I gave them proof. I never heard anything back from them. Instead they asked me to bring the vehicle into them and I would pay for additional repairs. I refused because they were supposed to fix it right the first time and this was actually the second time brought to them.. I filed a charge back with my bank. They have refused to properly give me information related to this claim. In addition they denied my claim and I dont believe they filed the claim originally as it was supposed to be filed as I never authorize this business to charge my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I attempted to dispute a transaction with Chime for goods not received. The merchant appears to be a scam, has not provided valid tracking, and is unresponsive. Chime is refusing to open a dispute because the transaction was " authorized, '' even though this is a merchandise dispute, not an unauthorized charge. I am requesting that Chime investigate under Regulation E and provisionally credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I deposited a check issued by XXXX XXXX in the amount of {$2700.00} into my Capital One checking account using mobile deposit. Around the same time my employer also sent a payroll deposit to the same account. The total balance in the account reached approximately {$4300.00}. Shortly after these deposits, Capital One informed me that my account was under review and would be closed. The funds remained in the account for several months during what I was told was an internal investigation. My bank statements show that on XX/XX/XXXX Capital One withdrew the entire balance of {$4300.00} and closed the account the following day. Capital One representatives later told me verbally that the funds had been returned, but they have never provided any documentation showing where the money was sent. I called Capital One many times requesting proof of where the funds were sent. Each time I was told the same thing : that the money had already been returned and that they were not required to provide any documentation or trace number. I was repeatedly told that I needed to resolve the issue directly with the original senders of the funds. However, XXXX XXXX confirmed that the check was never cashed and that they did not receive the funds back. I also contacted my employer regarding the payroll deposit and they confirmed that the payment was not returned to them. In XX/XX/XXXX I contacted Capital Ones XXXX investigations department requesting documentation or a trace number showing where the funds were sent. I only received an automated response and never received any follow-up or explanation. Nearly XXXX years later, Capital One has still not provided documentation showing the destination of the {$4300.00} withdrawn from my account. I am requesting a formal investigation and documentation showing where these funds were sent after they were removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: WA

Complaint narrative:
U.S. Bank closed my account with a remaining balance of approximately {$1500.00} and mailed the check to my previous address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX WA XXXX. I need the funds sent via direct deposit instead because I lack a stable address and can not cash a check My U.S. Bank checking/savings account ( Account number : [ XXXX ] ) was recently closed by the bank, leaving a positive closing balance of approximately {$1500.00}. Instead of sending the funds to me in a way I can access, U.S. Bank mailed a paper check to my previous/old address. I do not have a stable or reliable mailing address right now, and the bank account I previously used to cash or deposit checks is also closed. As a result, I am unable to receive or use my own money. I have contacted U.S. Bank and explained my situation, requesting that they issue the closing balance via direct deposit or ACH transfer to my current prepaid bank account [ Routine number : XXXX Account number : XXXX. This is a reasonable and secure method for me to access the funds without needing a physical check or stable mailbox. U.S. Bank has not accommodated this request so far. I understand that banks must return remaining funds promptly after closing an account, and sending a check to an outdated address when the customer has notified them of changed circumstances ( or inability to use checks ) creates an unnecessary barrier to accessing my own money.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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:
My daughter has a college account that is a sub-account of our family bank account with Chase. While she was away at school, a fraudster deposited XXXX fake checks and Chase negligently let them clear. The fraudster then hacked into the XXXX account linked to the bank account for the same amounts as the checks. Later, when Chase discovered that the original checks were fakes, they withdrew the money, leaving everyone whole except my daughter. Chase 's fraud department is based overseas and very hard to work with. They submitted a claim to XXXX, which I contend did not describe the entire circumstance with the fraudulent checks. XXXX looked at only at their transaction without the necessary context and denied the claim. I had an excellent banker at Chase try to help me, acknowledging when he saw the case that it is obviously fraud. However, neither Chase nor XXXX will rectify the situation. Their deficient security and investigation will cost them nothing but will cost my daughter the little bit of money she had in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Netspend Corporation
State: IL

Complaint narrative:
XX/XX/year> my payroll in amount of XXXX was transferred over to another account. I have called multiple times about this matter and nobody seems to want to help. I can not get pass the identity theft because all my account was hacked and taken over. All personal information was changed. Address, phone number, email. I have told them many times that I have a filed and identity theft report. Proving that this is indeed me calling in for my money. All they do is apologize for my situation and continue to transfer me from XXXX person to another and we get nowhere. I have asked plenty of time to speak to manager no luck. I have spoken to a supervisor twice and they tell me the same thing that I can not be helped. It is now XXXX and yet nothing has been resolved. On XX/XX/year> I was told that I had to wait XXXX weeks and even if they couldnt resolve the issue they would refund me back as a mailed check to my home address of the amount of XXXX because they are covered by the FDIC. I called XXXX day before the XXXX weeks and they told me they couldnt give me any information because they couldnt identify me. They even send me a link to send my ID over to prove it was me and even then they said that wasnt enough proof. This has been extremely frustrating. This prepaid company is so unprofessional, ignorant and non caring for their customers. I have done research on them and within the past few years they have multiple customers that they do this to and same thing they brush it off like its not their responsibility to try and solve this issue. I was baking with them for about 6 years and I am highly dissapointed with their way of handling things when there is a major concern on our personal account.

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 2026-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered some clothing from " XXXX XXXX, '' a XXXX company, on XX/XX/year>. Over the course of the next several months I emailed back and forth with the company, they kept saying they were about to ship the clothes. They never did. I disputed the {$320.00} charge on my Citi credit card on XX/XX/year>. After I opened the dispute, XXXX XXXX told me by email that the clothes were ready to ship and that they would ship them if I withdrew the dispute. I did so on XX/XX/year>. Again, nothing was ever shipped and they stopped responding to emails, so I called Citi again to reopen the dispute. They told me this would be no problem and that I would receive a response within 7 business days. I received a letter on XX/XX/year> saying that the dispute was resolved in favor of the merchant. I would like a refund of this money since I never received the goods I paid for in any way, shape, or form.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global has been calling my number and not leaving a message so I dont know what they are calling for. They are now calling my sons cellphone and calling him by name to get information about me. Yet they dont leave a voicemail on my cellphone for me to know what they are calling about. I want them to stop calling my sons cellphone. They can get a hold of me by calling my cellphone and leaving a message.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing and requesting validation of an account associated with MIDLAND CREDIT, as I have concerns regarding its accuracy and proper verification. I have not received sufficient documentation confirming the origin of this debt, nor have I been provided with a signed agreement, full account history, or a clear explanation of how the balance was calculated. The presence of multiple accounts from the same debt buyer raises additional concerns about duplicate reporting or improper resale of the same debt. Without proper documentation, I can not confirm whether these accounts represent separate obligations or repeated reporting of the same account. These issues also suggest the possibility of inaccurate reporting, mixed file issues, or a data breach, where my personal information may have been used or associated with accounts that do not belong to me. Under 15 U.S.C. 1692g ( b ), I am requesting full validation of this debt. Additionally, under 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ), all furnished information must be accurate and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau Subject : Complaint Against World Finance Account No. XXXX Dear Sir or Madam, I am submitting this complaint regarding World Finance and the reporting/handling of the following account : Account Number : XXXX Reported Balance : {$560.00} I am requesting an investigation into this account due to concerns about its accuracy, validation, and compliance with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). I dispute the validity of this debt and request that World Finance provide proper documentation to verify the account, including but not limited to : 1. A signed contract or agreement bearing my signature 2. A complete payment history 3. Documentation showing that World Finance has the legal right to collect this debt 4. Verification that the information reported to the credit bureaus is accurate and complete If World Finance is unable to provide adequate verification, I request that this account be removed from my credit report immediately. Additionally, if any information reported is inaccurate, incomplete, or can not be verified, it must be corrected or deleted in accordance with the FCRA. Please investigate this matter and ensure that World Finance complies with all applicable laws and regulations. I would like to receive written confirmation of the results of your investigation. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/XXXX, my Apple credit card was charged in the amount of {$1300.00} for an XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed this charge in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX with Apple/Goldman Sachs XXXX XXXX and have been unable to have the charges reversed in my favor. I have evidence from Apple that clearly indicates I did not purchase the phone and the Apple Account IDs clearly do not match. I have also filed a police report. I am filing with the CFPB because this is clearly credit card fraud and the Goldman Sachs is doing very little to support me. I have attached all evidence from Apple and the initial police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding unlawful debt collection practices by NCB MGT Srv INC. On XX/XX/year>, I sent a formal written request for debt validation and a cease and desist communication notice pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g and 1692c ( c ) ). The company has failed to provide any validation of the alleged debt. Despite receiving my written request, they have continued to contact me by telephone on a daily basis. This conduct is in direct violation of federal law, which requires them to cease communication except to provide validation or confirm termination of collection efforts. I am requesting : 1. Immediate cessation of all telephone communication 2. Full written validation of the alleged debt, or confirmation the account is closed 3. Investigation into their unlawful collection practices I have documentation of my original letter and a log of repeated calls. This complaint is submitted in good faith and without acknowledgment of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Chase Bank regarding fraudulent activity conducted by one of its account holders and the banks responsibility to investigate and address this matter. On XX/XX/year>, I sent {$500.00} through XXXX to an individual identified as XXXX XXXX, who claimed to be a mechanic providing repair services. After receiving the payment, this individual failed to perform the agreed-upon service and ceased all communication. It has become clear that I was the victim of a scam. I have since been informed that the funds were deposited into an account held with Chase Bank. This means that Chase Bank is the receiving financial institution connected to this fraudulent activity. As a financial institution, Chase Bank has a responsibility to monitor and address suspicious or fraudulent activity occurring through accounts held under its management. In this case, one of its customers used their account to obtain funds under false pretenses. Despite this, I have not been contacted by Chase Bank, nor have I been made aware of any investigation or action taken regarding this matter. I am requesting the following : 1. A thorough investigation into the account belonging to XXXX XXXX and the transaction in question 2. Immediate review of the account for potential fraudulent activity and appropriate action, including account restriction if warranted 3. Assistance in attempting to recover the {$500.00} that was obtained under false pretenses 4. Documentation or confirmation of the findings from the investigation This situation has caused me financial hardship and significant stress. I believe that greater accountability and action are necessary when financial institutions are made aware that their accounts are being used for fraudulent purposes. I respectfully request that the CFPB review this matter and ensure that Chase Bank takes appropriate action. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation