vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My mom went to jail and I got a phone number saying they were officers in XXXX XXXX. They were saying I could pay her bond off chime and so I sent {$500.00}. They said it didnt get confirmed and so I sent another {$250.00}. I talked to chime and they said they cant do anything about it. I called the jail and they say my moms bail hasnt even been posted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Transaction history is as follows by date : XX/XX/2026 ( XXXX  ) I called Capital One Capital One XXXX  company ( hereinafter, referred as " The Company '' ) to request an additional credit card for back up. I had Never requested to close my account or cancel my card currently posse. I double confirmed this had never happened with the customer service agent to ensure that my current account has not been closed or blocked my card. 

XX/XX/2026 ( XXXX  ) On the same day, I went to the restaurant and could not use my XXXX  card. The restaurant manager kindly let me use their phone. I spoke to the customer service agent and he unlocked my card. He could not figure it out why it had happened. 

When I requested the new card as additional by phone, my present credit card seemed to be locked without my permission that I never asked for. 

XX/XX/2026 ( XXXX  ) The customer service agent advised me that I could receive it in 5 - 7 days on XX/XX/2026. I had never received the card and called to check the status and send it to me soon if not issued it yet. I had never XX/XX/2026 ( XXXX  ) At XXXX XXXX ( grocery store ), I could not use my XXXX  card to pay at the register again and was very embarrassed in the public eyes. XXXX XXXX ' manager let me use the store telephone. I spoke to two people including The Company 's supervisor to request unlock my account and card immediately. They told me that they could not do that. The Supervisor hung up the telephone. How rude she was!! This should be recorded and review for the further improvement

of The Company. The Supervisor ( a XXXX XXXX ) told me the new card will be on the way.

I left all the grocery items at the store manager 's desk. How embarrassing!!

Here is the issues : 1. The Company 's unauthorized activity is not welcomed for the card/account holders 2. Closing/terminating my present credit card may affect on my credit score. The Company must fix this problem if it's occurred in the future.

3. I had two same credit cards with the same account number and security code number. Since women have lots of purses and bags, I thought it is always secure and convenience to have two : One for a regular use and the other for back up.

At any time, I want The Company must fix all the problem right away and the Executive members shall take this seriously. Terminate the Supervisor due to the incident and telephone attitude during our conversation and hung up on XX/XX/2026. 

Thank you very much for taking this seriously. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing a collection account that your agency has reported on my credit file without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including documentation of the original creditor, itemization of the amount claimed, and proof establishing my legal responsibility for this debt. Until you furnish proper validation, all collection activities and credit reporting related to this account must cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX purchases were made from my card to XXXX I did not make. 
Amounts : {$90.00}, {$10.00}, {$150.00}, {$150.00}, {$120.00}, {$75.00}, {$150.00}, {$150.00}, {$120.00} for a total of {$1000.00}. 
I reached out to Chase bank to dispute the charges and file a claim. I also removed all banking info from my XXXX account. 
XXXX started a claim on the XXXX. I got notified on XX/XX/XXXX that the claim was declined. I reached out to them for the reason, they said because purchases had been made on the account before that werent disputed then they couldnt detect the fraud. I reached out to XXXX and they have a fraud claim going as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was approached in person at a mall and forced under fear and intimidation to send money via XXXX XXXX. This was not a voluntary transaction. I reported it immediately. Chase denied my claim solely because the transaction was authorized, ignoring the fact that it was made under duress. I am requesting a proper review under coercion/extortion standards and relief from repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Been paying TDAuto Finance loan monthly since inception ( XX/XX/XXXX ), using XXXX Bank bill pay app {$210.00} receive monthly statement due date is XXXX of every month created payment due XX/XX/XXXX in XXXX Bank XXXX XXXX system on XX/XX/XXXX to be paid on XX/XX/XXXX all processed in my XXXX Bank account normally Received my monthly statement in XXXX from TD Auto Finance on XX/XX/XXXX as normal, but balance shows XX/XX/XXXX not received and double the amount {$430.00} due for XX/XX/XXXX call TD Auto and inquire about discrepancy they ask for proof/trace from my XXXX Bank I call AND go to my local Branch XXXX Bank provides me with everything TD Auto is asking for and I provide screen shots of my payment history with TD Auto from my e-banking Spend {$13.00} at XXXX to fax to TD Auto all this information on XX/XX/XXXX TD Auto confirms receipt of fax and information, BUT we still can not locate the payment have since been back and forth with both XXXX Bank and XXXX Auto in trying to resolve this issue with no successhave also made normal payments of {$210.00} that were due XX/XX/XXXX and XX/XX/XXXX ( and TD Auto does acknowledge receiving ) but they keep dragging out the XX/XX/XXXX issue saying they cant figure it out, and now pointing fingers at XXXX party XXXX XXXX XXXX latest statement still shows I owe double the normal amount because that XX/XX/XXXX payment is lost in cyberspace or something I do see that TD Bank has been fined for some nefarious activities recently, and not saying thats happening here.. just saying Ive noticed only have maybe 2 payments left on this loan and would like the end and receipt of the title to go smoothly ( have seen many complaints about this process in this 2 months of fixing the issue that me, and apparently many others are going through )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
I contacted chicken on XX/XX/XXXX of XXXX  because I found out i have XXXX dollars in a closed account yesterday on my XXXX app. I called them XXXX different times to see if they could get into that closed account and give me my funds in the account. They replied that since the account is closed they can nit get back into it and that my funds are not refundable. I honestly think this is theft and need to figure out a way to get those funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
TRUE ACCORD contacted me regarding an alleged debt. Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), they were required to send a written notice containing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five ( 5 ) days of the initial communication. They have failed to provide this required notice. Despite repeated requests, they have not provided full and proper validation of the debt, including : Flow agreement between the original creditor and their agency Transfer of assignment or other legal proof of collection authority Bill of sale proving ownership or rights to the account Original signed contract creating the alleged obligation Violations : FDCPA 1692g ( a ) Failure to provide written notice within 5 days of initial communication. FDCPA 1692e False or misleading representation by attempting collection without proper authority. FCRA 1681s-2 Furnishing inaccurate or unverifiable information to consumer reporting agencies. They continue to attempt collection and/or report this account to credit bureaus without the required proof, which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Between XXXX and XX/XX/year>, I timely disputed twenty-one ( XXXX ) billing transactions on a XXXX store credit card issued by Synchrony Bank XXXX The disputes involved defective, non-conforming, or incomplete merchandise and installation services, unauthorized or duplicate charges, and merchant refunds that were due but not issued.

Rather than conducting individualized investigations as required by the Fair Credit Billing Act ( FCBA ) and Regulation Z, Synchrony Bank processed these disputes through a bulk workflow. Multiple distinct transactionseach involving different dates, amounts, and factual baseswere aggregated under shared dispute identifiers and closed simultaneously as Dispute Completed. 

Synchrony did not issue written dispute determinations for any of these transactions, did not identify any evidence relied upon, and did not upload determinations to its dispute portal or provide them by email or mail. With the exception of a single generic form letter stating that the merchant is actively working with the customer, no written findings or explanations were provided. 

In addition, Synchrony failed to issue or maintain provisional credits or otherwise suspend collection activity during the pendency of the disputes. Disputed amounts were treated as owed, interest and fees continued to accrue, and payments were applied to disputed balances, despite timely disputes and supporting documentation. 

I also submitted formal written disputes and a comprehensive evidentiary package exceeding XXXX pages via certified mail, including dated photographs, receipts, contractor documentation, and written communications demonstrating non-performance. Synchrony received these materials but closed the disputes without addressing or rebutting the evidence. 

Separately, during a recorded call regarding a single questioned transaction, a Synchrony supervisory employee classified the account as fraud, restricted or closed the original account, and opened a replacement account without my authorization. I disputed the unauthorized account action in writing, but no corrective action or written explanation was provided. 

These actions reflect systemic failures in dispute handling, investigation, notice, and billing treatment in violation of the FCBA and Regulation Z.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent two payments to another Cash App user. Unknown to me, that user had a negative balance. 
Cash App applied my funds to repay her debt. 
I did not authorize payment of a third partys debt and was not warned this would occur. 
Cash App denied my appeal and refuses to reverse the funds. 
I am requesting my money be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Office of Michael A. Priddle, LLC
State: KS

Complaint narrative:
On XX/XX/year> I received a Notice of Default and Demand from The Law Office of Michael A. Priddle , LLC claiming that a XXXX XXXX, Kansas XXXX entered a judgment against me in case number XXXX for {$4700.00} allegedly owed to XXXX XX/XX/XXXX XXXX XXXX 
I searched theXX/XX/XXXXXXXX XXXX case search system and no such case exists. I have never rented from XXXX XXXX XXXX XXXX, have never lived or rented in XX/XX/XXXX, and do not know the person named in the letter. 
Despite this, the letter claims a court judgment exists and demands payment withinXX/XX/XXXX days, threatening collection actions. This appears to be a false representation of legal status and an attempt to collect a debt that is not mine. 
I disputed this in writing with the law firm on XX/XX/year> and requested full validation of the alleged judgment and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Issue : Dispute of Safe Deposit Box Renewal Fee and Conflicting Account Terms I am filing this complaint because Citibank is attempting to charge me a {$92.00} renewal fee for a Safe Deposit Box ( due XX/XX/XXXX ) despite my account tier previously qualifying for a full fee waiver. 

The Conflict : When I visited the branch to close the box and avoid the upcoming charge, I was informed that a policy change in XX/XX/XXXXXXXX  eliminated my fee waiver. Bank staff claimed a notice was sent in XX/XX/XXXXXXXX  ; however, I never received any such notification via mail or digital communication. 

Failure of Resolution ( The XXXX XXXX XXXX  ) : I have made multiple good-faith attempts to resolve this, but the company is providing conflicting instructions : In-Branch : Staff refused to waive the fee or provide written proof of the policy change, directing me to call phone support. 

Phone Support : After a significant wait, representatives stated they lacked the authority to handle safe deposit box issues and directed me back to the branch. 

Social Media : I contacted " XXXX '' on XXXX  ( formerly XXXX ), and they were also unable to provide assistance or a resolution.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My auto payment of XXXX was deducted from my XXXX XXXX checking account on XX/XX/XXXX. On XX/XX/XXXX another payment of XXXX was deducted from my XXXX XXXX checking account, causing my account to be overdrawn. I called Citi on XX/XX/XXXX. I was told the refund would take XXXX to XXXX days. Ive called City numerous times and received no help even after escalating to a XXXX. As of today XX/XX/XXXX I still do not have my refund back into my checking account for the duplicate payment. Horrible customer service and an attitude of we dont care. This is a XXXX Citi Visa Card. And not the first time they have messed up billing.

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 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a XXXX 's credit card through Synchrony Bank that was opened in XX/XX/XXXX. I purchased furniture in the store and used the promotional no interest option to put on this new cared. I have been making monthly payments as they are due. 

In XX/XX/XXXX, I needed to change the account that I paid my bill with online. Apparently, I entered the account number incorrectly XXXX times. I entered the account information and got an email each time that said thank you for your payment. The next day, I would get an email that said the payment did not go through. I even called customer service during this and explained what trouble I was having. I ended up making XXXX payments instead of XXXX because of the confusion. This all happened between XX/XX/XXXX - XXXX. I left the XXXX payments as is and thought everything was ok. 

I then get a letter in the mail on XX/XX/XXXX stating that my account was closed due to " the number of dishonored payments on this account ''. I called customer service on and was hung up on by the first representative, so I called back and she put me through to her manager. The manager explained why it was closed, but it was important to note that it wasn't from insufficient funds, but from entering the wrong account information. She opened a dispute claim and said it can be reviewed. 

I received an email on XX/XX/XXXX with a link to a letter from Synchrony Bank. I clicked on the link on XX/XX/XXXX and it asked me to enter my zip code. I did that, and then it said my 'session had expired '. I logged into my account. No letter there. I triend the link again. Same message. 

I called Synchrony customer service and the customer service rep said my account was listed as closed and I would have to wait on the letter to come in the mail. When I asked her what the letter said, she kept repeating that I would have to wait on the letter to come in the mail. She did tell me they have the right to close my account because I had XXXX declined payments in XXXX cycle. I explained what happened and she said there was nothing she could do about it or to help me. I asked her where to file a complaint and she said there was no where and their decision was final. She offered no more assistance, or even to speak with her manager. 

I get that I entered the account information wrong, but I feel like it does not warrant closing my account. I was in touch with the company, trying to get their assistance and let me know what was going on. It was all within a few days. There was plenty of money in that account and I feel like if they looked into our account history, or if someone would even listen, they would see that it was an isolated incident. They have very poor customer service and we spent over {$50000.00} at XXXX 's, but will not buy from them again.

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have missed a few months of payments and tried to apply for assistance to get my loan modified. Knowing that my interest rate would go up, I was not planning on my payment as well and my current payment was lower than what they want to charge my new payment and I explained to them that how can I pay a higher payment when I'm having trouble with the current payment and they did not explain very well. They made no sense and just very upsetting and I just want to figure out how to keep my house and not lose it.

Company response to consumer: Closed with explanation