vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received an alert on my credit report stating there has been a significant change in my credit score. It went down from XXXX points. I had outstanding credit. XXXX. The report shows XXXX XXXX XXXX place free medical my report. These exact dates and exact dollar amounts were paid quite some years ago to Capio llc. It shows on the itemized statement I called for at at XXXX XXXX. I called capio and they said they do see I paid but there is a differing the amount. I said yeah a XXXX. An exact XXXX. I sent the documents of proof of payment to them via email and have not heard. I feel this was wrong doing and no warning no letters no calls. It just appeared. These said medical bills are XXXX XXXX XXXX XXXX. Why didnt they, if I owe it, communicate it to me at all. No letter request nor calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CUSTOMER NAME : XXXX XXXX CASE REFERENCE : XXXX ATM ID : XXXX APPROX DATE/TIME OF INCIDENT : XX/XX/XXXX, XXXX ===== To Whom It May Concern, I am writing to formally request a review and resolution regarding an unresolved ATM cash deposit issue on my Citi account. 

On XX/XX/year>, I asked my mother to deposit {$5000.00} in cash into my account using my debit card at an ATM-only location. Immediately after the ATM accepted the cash, the machine froze and did not complete the transaction. 

In an effort to resolve the issue at the time, she contacted the support number listed at the ATM location and waited approximately two to three hours in hopes that the machine would resume functioning. Unfortunately, the issue was not resolved, and she was forced to leave without confirmation of the deposit.

The incident was reported the same day, and a Citi representative advised us that the issue would be investigated and provided provisional credit. However, I later received a letter stating that {$4000.00} of the {$5000.00} deposit was denied.

As reflected in my transaction history, I regularly deposit cash, and deposits of {$5000.00} or more are not unusual for my account. I have no reason to misrepresent the deposit amount, particularly given that the ATM location is fully monitored by cameras.

Being held liable for {$4000.00} due to an ATM malfunction is extremely concerning and financially impactful, especially when the issue was promptly reported and beyond my control. I respectfully request that this matter be reviewed again and resolved appropriately.

Thank you for your time and assistance. I look forward to your response. 
You can reach me at anytime via XXXX or at this email address. 

Sincerely, 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Chime Financial Inc
State: AR

Complaint narrative:
I got a instant loan from chime Financial the loan was repaid but was never removed from my credit report I've disputed it several times I've contacted chime I've emailed them nothing has been done I took a screenshot of my account showing all the instant loans have been repaid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I had a XXXX  account I stopped using as I went to XXXX 6-7 years ago I believe, I stopped using it and started using cashapp, today XX/XX/XXXX my brother sent money to me through XXXX  accidentally XXXX I absolutely thought it was gone and that account didnt exist for years, however, I then got an email from XXXX  with my Picture on it, saying he sent me money. 

I was shocked but tried to get into the account anyways. After following every single step and entering codes from my email and my password it would time out and say error. Then I received this email. ( Ill attach it ).

Basically they said they kept all the money he sent me and that I owe them XXXX dollars for sending my ex mother in law XXXX dollars on the XXXX of XXXX of XXXX!!! to buy a wheelchair of all things. which is absolutely impossible. They have no clue what they are talking about and I sure as XXXX dont either. 

Now they want me to pay XXXX more dollars to them for a supposed XXXX dollar loan I owe thats somehow only XXXX. 
My Assumption is they have been collecting other peoples money ; that my people sent to My account for a while. This is unethical and unexplainable to just flat out steal my Money and disregard the kids emotions all together. Ive never heard of something so bad as stealing a childs money with no court orders, no garnishment on me, no actual right to that money whatsoever. 

I want my money back and then some. How can they possibly get away with this. I am Not the only one by the way that he has had deposits and pickups to People and then they steal the money. My credit report shows I owe them absolutely nothing there are no dings on it from them Whatsoever. Its discusting. Please help Me get them the help they need, they are obviously a danger to others. 

And it breaks my XXXX. These children are better off in my care. Please help me bring stability, kindness, and the ability to thrive to my children. 

Thank you, Your honor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
Both XXXX and insurance company decided to continue to threaten fema and cbra rules to XXXX XXXX XXXX even after a elevation certificate was issued. 

Subject : Complaint Against Rocket Mortgage , LLC Illegal Force-Placed Flood Insurance & Refund Demand Borrower : XXXX XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AL XXXX Lender/Servicer : Rocket Mortgage , LLC ( formerly Quicken Loans ) Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against Rocket Mortgage , LLC for illegal force-placed flood insurance, misrepresentation of federal law, and failure to act upon a valid FEMA Elevation Certificate proving flood insurance was not legally required. 

Summary of Complaint Rocket Mortgage has forced and/or required flood insurance for more than XXXX ( XXXX ) years after receiving documentation showing my home is above the Base Flood Elevation ( BFE ). This conduct violates federal flood insurance law, RESPA servicing rules, and consumer protection statutes. 

Key Facts A FEMA Elevation Certificate was completed by a licensed Alabama XXXX and submitted to Rocket Mortgage no later than XXXX The certificate establishes : Base Flood Elevation ( BFE ) : XXXX ft Lowest Floor Elevation : XXXX ft Structure is approximately XXXX feet ABOVE XXXX Despite this : Rocket Mortgage repeatedly demanded flood insurance Issued threat letters citing inapplicable federal statutes Continued escrow withdrawals and/or force-placed insurance Flood insurance premiums exceeded {$8000.00} per year in multiple years These amounts were taken while I am XXXX and living on XXXX  XXXX income Legal Violations Rocket Mortgages conduct violates : 42 U.S.C. 4012a ( b ) ( 1 ) flood insurance required only when lowest floor is at or below BFE 42 U.S.C. 4012a ( e ) improper force-placement 12 C.F.R. 339.7 RESPA ( 12 U.S.C. 2605 ) servicing abuse and unnecessary insurance Consumer Financial Protection Act ( CFPA ) unfair, deceptive, and abusive acts Relief Requested I respectfully request the CFPB : XXXX. Investigate Rocket Mortgages servicing practices XXXX. Require a full refund of all flood insurance premiums paid from XX/XX/year> to present XXXX. Require written acknowledgment flood insurance is not required XXXX. Require correction of all internal records XXXX. Impose penalties or corrective action as appropriate Attached are : Elevation Certificate Rocket Mortgage flood insurance notice ( s ) Thank you for your assistance. 

Please note I'm in a subdivision with over XXXX house all were made pay under a master policy due to fema and cbra but they had the elevation certificates for each and every house. 
The insurance company was the one that submits documents to all our lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I rented a car from XXXX in XXXX of 2025. I had a claim open with XXXX and I was advise that it was closed and settled. XXXX unauthorized and charged my card on XX/XX/year>. I spoke with XXXX and they refunded my account. For the unauthorized charge then turned around and charged my account fraudulently a different amount XXXX mins later. I never approved of this charge. I spoke with a supervisor and reported fraud. I went to TD bank and received a new card because a employee at XXXX fraudulently charged my card XXXX xs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am reporting additional unauthorized transactions on my PayPal Credit Card account while the card was not in my possession and had never been activated. A replacement card was issued and mailed to me, but unauthorized transactions continued on XX/XX/XXXX and XX/XX/year> while the replacement card was still in transit. I did not activate the previous card or the replacement card, and I did not add either card to any digital wallet. 
Despite this, multiple unauthorized purchases were processed, including a new unauthorized charge on XX/XX/year> at approximately XXXX XXXX. I received email alerts for transactions I did not make. I have not logged in to my account because I do not believe it is safe to do so until the company confirms the account is secured. Because of this, I can not verify which card number was used for the fraudulent activity and must rely on the company to provide accurate documentation. 
I am requesting that the company provide complete investigation records, including issuance dates, activation status, digitalwallet provisioning logs, and transaction logs for all card numbers associated with my account. I also request an explanation of how unauthorized transactions continued while the replacement card was still in the mail and not in my possession.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received a fraud alert from Synchrony Banks Fraud Solutions team on XX/XX/year> at approximately XXXX XXXX  The alert referenced possible fraudulent activity on a PayPal Credit Card ending in XXXX. This card number was not previously disclosed to me, and I have never activated or used a card ending in XXXX. 
This alert confirms that Synchrony has identified suspicious activity on a third card number associated with my account. I have not received this card, I have not activated it, and I have not added it to any digital wallet. I have not logged in to my account because I do not believe it is safe to do so until Synchrony confirms the account is secure.

I am requesting documentation and investigation records related to this card ending in XXXX, including issuance logs, activation status, provisioning logs, and transaction history. I also request an explanation of how this card was created or provisioned without my knowledge or consent.

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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
This is my XXXX  rebuttal regarding an unauthorized {$4000.00} electronic fund transfer from my Chime account. Chime has denied my dispute again, despite substantial new evidence and repeated explanations showing the transaction was unauthorized and could not reasonably have been detected earlier. 

I do not have a XXXX XXXX account. I confirmed this by searching my name from another XXXX XXXX account, which shows no account exists under my name. My Chime account and phone were secure at the time of the transfer. Device and security history shows only my own devices, with no unknown logins or access. 

I did not benefit from the funds in any way. The money left my account and never returned. I provided clear account history showing no downstream benefit. 

I was physically in XXXX  when the transaction occurred, while the transfer originated in California. I provided a Chime-issued bank statement showing my plane ticket confirming my location at the time. 

Critically, the {$4000.00} transfer did not appear on my monthly Chime statement, which prevented me from discovering the transaction earlier. Because the transaction was missing from the statement, I could not reasonably detect the error. I reported it once I discovered it in XXXX. 

I also provided screenshots showing that XXXX-factor authentication was not enabled at the time, explaining how the unauthorized withdrawal could occur without my knowledge. Lack of XXXX does not constitute authorization under Regulation E. 

Most importantly, XXXX XXXX has confirmed in writing that I did not make this transaction and that it originated from XXXX of their customers accounts, not mine. 

Despite this evidence, Chime has repeatedly denied my dispute without addressing these facts or explaining how authorization was determined. During my most recent call, a Chime agent stated provisional credit could not be provided because the transaction was not a transaction, and later because it was past XXXX  days, even after I explained the transaction did not appear on my statement and therefore could not be detected earlier. A supervisor then stated that only the investigation team could address provisional credit, without resolving the issue. 

Regulation E states that the XXXX notice period begins after the consumer receives a statement reflecting the error, and allows later notice when the consumer could not reasonably detect the transfer. Regulation E does not prohibit provisional credit solely due to the passage of time, especially where new material evidence exists and the transaction was unauthorized. 

I am requesting that the CFPB require Chime to conduct a reasonable reinvestigation, properly consider the merchants written confirmation, correct its misapplication of the XXXX rule, and issue provisional credit or final credit as required under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to provide formal notice of a serious matter involving fraudulent charges on my Bank of America account, the improper transfer of those charges to collections, and a procedurally defective legal action initiated by your retained counsel. 

The underlying balance is the result of fraudulent and unauthorized transactions. I did not authorize these charges, did not receive the alleged goods or services, and did not consent to any third party acting on my behalf. I disputed this activity in good faith. 

Despite the fraudulent nature of the account, Bank of America allowed the balance to be placed with a collection agency, and subsequently, legal action was initiated. 

Critically, your retained law firm served the wrong individual, resulting in a court proceeding that I now must attend despite not being properly or lawfully served. This constitutes a fundamental violation of due process and has caused unnecessary legal exposure, stress, and financial harm. 

As a direct result of Bank of Americas failure to : Properly investigate fraud, Prevent collection on unauthorized charges, and Ensure lawful and accurate service of process, I am now forced to appear in court for a matter that should never have progressed to litigation.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have complained to Chase on many occasions regarding the unauthorized withdrawals coming from my checking account through XXXX XXXX regarding my XXXX  XXXX  card. 
I closed and cancelled my XXXX XXXX account with XXXX XXXX because every time I made a payment to my XXXX credit card, XXXX XXXX would automatically withdraw the same amount that I paid to my apple credit card from my CHASE checking account without my permission. I NEVER AUTHORIZED CHASE OR XXXX XXXX to withdraw funds from my Chase checking to pay my XXXX XXXX. NEVER!!!!! 
I have never ever in all my years made a payment to XXXX XXXX  from my Chase checking account. The reason for this is because XXXX ONLY ALLOWED ME TO PAY on my card through the DEBIT XXXX  account and NEVER received payments from my Chase checking account. 
On XX/XX/XXXX. XXXX  I called Chase to discuss this matter and they could not find any evidence within their system that would prove I requested the XXXX XXXX withdrawal. Why and How does XXXX XXXX have permission and authority to take monies from my other personal checking account that isn't and should NOT be on filed with XXXX ( XXXX XXXX ) BECAUSE I HAVE ONLY MADE ALL PAYMENTS THROUGH THE APPLE DEBIT CARD PAYMENT SYSTEM ( XXXX XXXX XXXX  ). 
PLEASE INVESTIGATE THE BANK FRAUD between my Chase XXXX  account, XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX  ) and of course XXXX XXXX. They have been using Federal Government XXXX to assist in the city of XXXX abusing their federal authority and position to intimidate bank managers and city personnel. 
I recently had a prior XXXX XXXX XXXX and I believe the person who stole my apple phone is still using my personal information and checking information for fraudulent purposes. I know this person is authorized by the Federal Government to continue to harrass me and even threaten my life by stealing my money and identity through a foreign trust which is using my social security number and my birth surname ( XXXX ). Please review my account over the time I've had my Chase account for more UNAUTHORIZED withdrawals and I am a XXXX SENIOR CITIZEN ON A MONTHLY SOCIAL SECURITY FIXED INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
I had 2 open account with XXXX XXXX XXXX XXXX For about 4 months I owe a total amount around {$700.00} maybe these people call me at least XXXX times a day starting at XXXX XXXX. This is so harassing they call from all kinds of numbers leaving voice messages they call from local numbers long distance numbers etc this needs to stop they are very worsen for all the overwhelming unwanted communications please help me with this problem thank you XXXX in a very bad hardship just went through a bad divorce I'm in financial ruins right I will pay as I can I know i owe this debt they act like im the only one that owes them based on how much they call me I wish they would stop they are very aggressive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to transfer funds from my bank of America account to a different account and it would not let me add an external account to transfer to. After almost an hour on the phone with their representative, they were unable to help me transfer money out of the 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