vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/XXXXXXXX my fiancee and I were fighting over money. I went to send him money from my Chime account and I was told that they had a XXXX attached to my account and they were trying to remove it. Approximately XXXX XXXX Oregon time. I used my XXXX phone to chat and I was told that my funds were secure but my information was no longer secure. I asked about the XXXX attached to my account and I was told that they couldn't discuss it with me and I should just keep checking to see if I could access my funds. A day later I was able to access my funds and I noticed that my Virtual card had been removed. I asked Chime why my Virtual Card was missing and I was told that I never had one but yes, I did. I decided to cancel my card. I then waited for a month or two and requested a new Card and I received the new card and I have had no problems since. But XX/XX/XXXX was a ROUGH RIDE because quite often we either had issues logging in and I figured out I could just use an ATM to get my balance. A few times we couldn't even use our money because the cards were not sending or receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 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: NY

Complaint narrative:
I didnt realize I was charged for XXXX till I seen my account info and realize my money was not there. When I saw the transaction seen it was turo and looked it up on XXXX realized it was a car rental and said this is a mistake. I dont have a license and haven't had one in over 10 years and turo doesn't let u sign up or rent a car unless u have a valid license. So a person who dont have a license how are they charge an extreme amount additional up XXXX dollars. This amount has taken away from my family. And caused unnecessary harm financially

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 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: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX debit card chargebacks appeared on my Chime checking account totaling {$300.00} ( {$70.00}, {$120.00}, {$120.00} ) which I did not authorize. I was the victim of a financial scam called XXXXXXXX XXXX XXXX operated via XXXX and XXXX. My transaction history shows I sent {$70.00} to XXXX XXXX with memo XXXXXXXX XXXX XXXX the scammer then fraudulently disputed the transactions causing Chime to claw back funds. I called Chime on XX/XX/XXXX, spoke to a supervisor for XXXX minutes, and was refused access to their fraud department. I have an FTC fraud report filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
Well I made dispute with chime to see if they can resolved but it seems they are taking to long and I already tried contacting the merchants and it didnt work so now Im exploiting my luck out there in the world to see if I can get some help cause I spend over XXXX dollars and trying to dispute them now and they just taking long maybe if u guys was to send them as email or text they tried to look in as fast as ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: CA

Complaint narrative:
I was XXXX XXXX XXXX during a certain couple days that my account was being withdrawn from a lot of money so I disputed it with chime and they have denied my dispute three different times I have a police report I have XXXX paperwork saying the dates I was XXXX and the times that the transactions took place I was not outside of XXXX I was in XXXX so there's no way I could have done that so i don't understand why they are refusing my dispute. I have enough evidence showing that it wasn't me that it was fraud but they should approve my dispute I even have a identity theft paperwork I sent them. But that's the transactions took place where on the XXXX and XXXX for a total amount of {$3700.00} I believe. They were transactions done right after another right after another and they shouldn't have even let that happen they should have been already considered fraud from the get-go

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I made a transfer on XX/XX/XXXX that was promised to be delivered within XXXX hour. It has now been XXXX days and I still have not received my money or any real response from your company. I have contacted support every single day. The support agents disconnect the chat, do not respond properly, and do not give me any date, explanation, or reason why I still have not received my {$350.00} transfer that was supposed to arrive in my bank account in XXXX on the same day. This situation is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 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: FL

Complaint narrative:
On my credit card, I saw a charge I did not make. I reported it to my credit card company, XXXXCiti. The charge is XXXX XXXX XXXX XXXX texas for XXXX, date XX/XX/year>. The company XXXX citi responded and said they took the charge off, but then they put it back on because we can't tell if there is a billing error. And there is inestigation is complete. i will see the charge again with interest.

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 monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The transition of my XXXX XXXX AAdvantage credit card from XXXX to Citi has been disastrous. The official cut-over occurred on XX/XX/year>, and since then, I have reported many frustrating issues to them such as unexpected card declines, trouble making payments, confusion over the 6-to-8-week waiting period for physical Citi cards, communication issues such as being passed on to other individuals after spending significant time with the original person, bad connection on their end and trouble hearing and understanding those on their end. I made several calls with significant time consumed trying to get through these issues that remain unresolved. Specific requests are : a new credit card from Citi, them to explain why and fix the problem of a particular vendor I use regularly is unable to process a purchase, to make an advance payment for a large purchase coming up, several communications issues on their end such as unable to get through on their phone lines, continuously being passed on to other reps on their end, poor connections on their end, trouble hearing and understanding their reps.

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I disputed the furnishing and collection reporting associated with a purchased charged-off credit card obligation originally issued as a revolving credit card account. My dispute did not concern only ownership of the underlying debt. Instead, I specifically disputed inaccurate and materially misleading furnishing fields being reported by the debt buyer. The original creditor tradeline reflects a revolving credit card account, while the current debt buyer is reporting the same underlying obligation as an Other Loan with an Open account status and a XX/XX/XXXX opened date. The XX/XX/XXXX date appears tied to the debt purchase or transfer chronology rather than the original account opening chronology, which materially misrepresents the age and nature of the obligation. I also disputed the continued duplicate derogatory reporting associated with the same underlying obligation across multiple tradelines. In response to my disputes and prior CFPB complaints, the company provided generic ownership and validation materials, including statements, bill of sale documentation, and assignment information. However, the company failed to meaningfully address the specific disputed furnishing fields or explain : why a charged-off revolving credit card obligation is being reported as an Other Loan, why the account is being reported as Open, why the opened date reflects the transfer/acquisition date rather than the original account chronology, and how duplicate derogatory reporting is being avoided. The response did not demonstrate that a reasonable investigation was conducted into the specific XXXX XXXX furnishing disputes raised. I request that the company : 1. Correct all inaccurate or materially misleading furnishing fields, 2. Properly classify the account consistent with the underlying revolving credit card obligation, 3. Correct misleading account status and opened-date reporting, or 4. Delete the tradeline if accurate furnishing can not be established. I am preserving all rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I financed a {$10000.00} tuition loan through Climb Credit for an educational coding program called XXXX XXXX. T he merchant engaged in deceptive business practices and failed to deliver the services advertised. The program promised 24/7 engineering mentorship, but in practice, provides an unmonitored chat room where conversations are actively truncated or hidden by the company to prevent students from documenting lack of support. Furthermore, the merchant uses a predatory loophole to intentionally invalidate its heavily advertised tuition " Job Guarantee. '' The merchant routes students into a mandatory internal " virtual internship '' with an affiliate entity ( XXXX ) that pays a nominal {$200.00} fee. The merchant then explicitly uses this minor {$200.00} internal payout to legally claim the student has achieved a paid placement, thereby systematically voiding the {$10000.00} refund criteria. I have filed a formal merchant dispute directly with Climb Credit. I am requesting that the CFPB compel Climb Credit to suspend my loan installments under federal consumer protection guidelines while this deceptive merchant loop is thoroughly investigated. Additional Evidence of Fraud : The merchant 's advertised " 24/7 support '' is entirely automated and deceptive ; the assigned mentors do not provide actual instruction, but instead copy student code into AI generators to return generic chatbot answers. Furthermore, the entire curriculum consists of obsolete videos filmed over 6 years ago. The code taught in the courses is completely broken on modern systems unless students manually guess and match historic, deprecated Node and React versions, which the school fails to explain or support The AI-generated answers provided by the mentors actually broke the application further. Because the AI generated modern code based on current software versions, it completely clashed with the obsolete 6-year-old environment taught in the videos. This created an unfixable loop where the instructor 's code didn't work, and the mentor 's AI code broke the system entirely, leaving me with unexplained, non-functional code.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
Company : XXXX XXXX Nature of Complaint : Failure to resolve recoverable customer custody issue, forced closure of support tickets, and failure of escalation process. Complaint Details : I am submitting this complaint regarding an unresolved custody recovery matter involving XXXX that has remained unresolved for more than two years. On XX/XX/year>, I sent approximately XXXX XXXX via XXXX XXXX while attempting to deposit XXXX to a XXXX account. The funds were sent to a XXXX-issued custodial deposit address associated XXXX account. This matter has been handled through XXXX support tickets # XXXX and # XXXX. Despite repeated follow ups and my objections, these tickets were closed without the funds being recovered and without a meaningful resolution. I specifically requested that the tickets be reopened, reinstated, and escalated for technical review, but the matter remains unresolved. This is not a case involving lost private keys, an unknown wallet, or an unrelated third party. The funds were sent to XXXX-controlled custody infrastructure. The issue concerns recovery of assets sent through the wrong network to a deterministic deposit address controlled by XXXX. I have made repeated good-faith attempts to resolve this directly with XXXX over an extended period. The support process has not functioned as intended, and the forced closure of the relevant tickets has left me without a working resolution path. I have records of : * Support tickets # XXXX and # XXXX * Transaction details * Wallet addresses * XXXX records * Prior correspondence * Requests to reopen and escalate the matter The amount involved is approximately {$50000.00} USD. This is a life-changing amount for my family. Desired Resolution : I am requesting that XXXX reopen and escalate tickets # XXXX and # XXXX, conduct executive and technical review, recover the funds, and return them to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinme Holdings, Inc.
State: MN

Complaint narrative:
I was using Coinme Cash online crypto platform. I had XXXX $ in XXXX and they logged me out of my account. They said it was locked and I needed to verify. I went thru the verification process more than a dozen times and I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CT

Complaint narrative:
I am filing this complaint regarding a collection account currently reporting on my credit file from CBA ( Collection Bureau of America , Ltd., XXXX, CA ) for an alleged debt originally owed to XXXX XXXX XXXX XXXX. The account shows an original balance of {$2300.00}, opened XX/XX/year>, and paid in full on XX/XX/year>. Despite being paid, the collection continues to damage my credit file, and I believe the entire reporting was procedurally improper. The underlying debt arose from a final utility bill from XXXX XXXX XXXX XXXX after I moved from the service address. XXXX XXXX XXXX never delivered a correct or final billing statement to my forwarding address. I had no notice from the original creditor that any balance remained owing. I would have paid a final bill in the ordinary course had I received one. CBA subsequently reported this alleged debt to the consumer reporting agencies as a collection. At no point before that reporting did CBA contact me. I never received the written validation notice required by 15 U.S.C. 1692g within five days of first communication. I received no phone call, letter, or other communication from CBA before discovering the collection tradeline on my credit report. The first time I learned of this alleged debt was when I reviewed my credit report and saw the collection already reported. I paid the full balance the same day, XX/XX/year>. That immediate payment demonstrates this was never a refusal to pay I was never given the opportunity to do so. I have since disputed this account with the credit bureaus. The tradeline shows " consumer disputes '' but has not been removed. It was last verified in XX/XX/year>, over three years ago. I do not believe CBA can produce complete documentation to support continued reporting, including the validation notice they were required to send. I am requesting that CBA delete this tradeline from XXXX, XXXX, and XXXX in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I contacted XXXX for a hardship assistance. They agreed change the terms.I have made payments per the agreement on time. They are reporting it as late. Its being reported inaccurately. I would like it to be reported accurately as the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened a XXXX XXXX XXXX My first bill, I used an automatic bill pay, to pay my balance in full. It was off by XXXX, because of payment of {$78.00}, instead of {$79.00}. I always pay off my credit card balances. My next statement, I saw I was charged {$3.00} interest or a fee on a balance of {$0.00}. I called the credit card company XXXX, and talked at length with a representative. She was very difficult to speak to and couldnt explain to me why the payment was off by {$.00}. I dont remember if I used their system, or my bank to pay the bill. We argued for a while because she could explain why I was charged a XXXX XXXX fee. I finally figured out that my last payment had been off by XXXX. After struggling to get info from her that made sense, she said she would remove the {$3.00} interest charge, but I had still had a balance of XXXX. So I said fine, cancel the card. A credit card company that is not willing to reverse fees/interest for such a small error is not worth my time and Ill use better cards that have easier automatic bill pay systems. I paid the XXXX balance using my bank on XXXX, and the card should have been canceled. So now I can not access their online bill pay. I received a statement in the mail this week. New balance of {$12.00} It reflects a late fee for {$3.00}, a paper statement fee for {$2.00}, and an interest fee of {$3.00}. So I called the company again on XX/XX/year>. They said because of my previous phone call and canceling the card, they rejected the {$3.00} fee reversal. For the previous statement. I went round and round in circles, explaining that their interpretation of me saying fine. Cancel the card., is in no way a rejection of me saying I dont want the XXXX dollar interest credit that they had already offered me. I then asked to speak to a supervisor. I went round and round with him in circles again. I admit the XXXX XXXX original payment error could have been my fault. But when the credit card offered to give me a {$3.00} reversal on a fee, verbally over the phone, how can they take it away just because I canceled the card? They continued to charge me even more fees on the XXXX balance, even after the card was canceled. It was my understanding during the first phone call that all I had to pay was the {$.00} balance. After XX/XX/year> phone call arguing with the supervisor for such a small amount, I gave up trying to reconcile with him. I paid the {$12.00} over the phone ( all fees ) that were charged AFTER the card was canceled because they were so difficult to work with.

Company response to consumer: Closed with monetary relief