vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I submitted an application for a XXXX XXXX XXXX through Barclays Bank on XX/XX/XXXX. Barclays opened the account and charged a {$95.00} activation/annual fee but immediately placed a security lock on the account. 

Because of this security lock. I have never been able to access the account, I have never been able to make a payment, I have never received online access or billing functionality Despite this, on XX/XX/XXXX, I was notified that my credit score was negatively impacted due to a missed payment on this account. 

Below is a detailed timeline showing repeated good-faith attempts to resolve this issue : XX/XX/XXXX : First call to Barclays. Transferred to Compliance. Told application was under review and to call back in XXXX business days. 

XX/XX/XXXX : XXXX call. Barclays requested copies of my Social Security card, drivers license, and a recent utility bill. Documents were sent the same day via fax. 

XX/XX/XXXX : XXXX call. Barclays stated my utility bill ( WOW Internet ) was not acceptable and requested a local/state utility. I faxed a XXXX XXXX utility bill the same day. 

XX/XX/XXXX : XXXX call. Barclays claimed faxed documents were unreadable and asked me to resend. Documents resent the same day. 

XX/XX/XXXX : XXXX call. Told documents were still under review and to call back after XXXX. 

XX/XX/XXXX : XXXX call. Barclays stated they still could not read the faxed documents and requested documents be sent by mail. Copies of my SS card, drivers license, and utility bill were mailed the next day. 

XX/XX/XXXX : XXXX call. Barclays confirmed receipt of mailed documents but stated no decision had been made and asked me to follow up after XXXX. 

At no point during this process was I given temporary access to make a payment, an alternate method to pay the {$95.00} fee, a clear resolution timeline, or a rejection or approval decision. 

Despite Barclays ongoing internal verification delay, they reported the account as delinquent, negatively impacting my credit.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was taken via XXXX XXXX XXXX XXXX on XX/XX/year> and remained in the XXXX until XX/XX/year>. During the entire time, my personal property was locked in a secured area in the XXXX  out of my reach. 
Beginning on XXXX through XXXX, my bank ( Chime ) allowed a total of 64 transactions go through my account in total of {$3100.00} I have asked why all these online transactions stopped at XXXX on XX/XX/year>, considering there was still money in the account and Chime refused to explain. 
Chime denied my claim three times within XXXX hours of filing without explaining the reason. 
Every time I reopen the case, they close it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 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: NC

Complaint narrative:
Incident Description On XX/XX/year> and XX/XX/year>, an unauthorized individual accessed my XXXX XXXX account, either by calling the bank or using my online/app credentials. They reversed XXXX prior legitimate payments totaling {$2000.00} and {$1500.00}, which credited those amounts back to my account. 
Immediately after these reversals, the funds were transferred to a Cash App account linked to my XXXX account in amounts of {$2000.00} and {$1600.00}. On the same dates, my Cash App debit card was used for XXXX fraudulent transactions : XXXX : {$2000.00} XXXX XXXX : {$810.00} XXXX XXXX : {$800.00} These transactions appear to be international purchases to unknown vendors, suggesting the funds were routed outside the United States. The total confirmed loss is {$3600.00}. 
XXXX of Events XX/XX/year> : Unauthorized reversal of {$2000.00} ; funds transferred to Cash App ; Cash App debit card used for international transactions. 
XX/XX/year> : Unauthorized reversal of {$1500.00} ; funds transferred to Cash App ; additional fraudulent transactions processed. 
How Information May Have Been Compromised My banking and credit card details were provided to my current attorneys office for billing purposes. The billing XXXX at that office is the only person with access to my current credit card information. They have stated that storing my card is required and have previously charged my card without prior approval. 
I am not certain that XXXX XXXX is the suspect, but she or the firm XXXX be involved if my information was not properly secured. It is possible that the breach occurred internally or through inadequate data protection measures. 
Possible Suspect / Contact Information Name : XXXX XXXX Title : Billing XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX This individual has exclusive access to my card details and authority to process charges without consent. I am providing this information because they are the only known party with direct access to my financial details. 
XXXX XXXX XXXX XXXX account compromised through unauthorized reversals. 
Cash App account linked to XXXX used for transfers and withdrawals. 
Fraudulent transactions totaling {$3600.00} processed internationally. 
Additional Notes I have no direct identifying information about the perpetrator beyond the above. The transactions were processed through Cash App and appear to involve international vendors. I have reported the incident to XXXX XXXX and Cash App and am filing this complaint for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A debt collector is attempting to collect and report a debt that is the result of identity theft and is not owed by me. 

I discovered that a collection account being reported and pursued by this company is tied to an account I did not open, authorize, or benefit from. This debt is the direct result of identity theft. After discovering the issue, I took prompt action by filing an Identity Theft Report with the Federal Trade Commission and providing written notice disputing the debt and advising that it is identity-theft-related. 

Despite notice that the debt is the result of identity theft, the debt collector has continued collection activity and credit reporting without providing competent evidence that the debt is valid or legally owed. Continuing to attempt to collect and report a debt resulting from identity theft is improper and violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

The continued collection and reporting of this identity-theft-related debt has caused ongoing harm and risk of further credit damage. I am requesting regulatory assistance to stop unlawful collection activity and require compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have had an XXXX account since XXXX with a {$600.00} credit limit. In early XX/XX/XXXX, this account began declining transactions without explanation, and certain merchants, including XXXX, were no longer available. I contacted XXXX multiple times to ask why the account was not working and to have the issue corrected. 
During this period, a second XXXX account existed that had been created unintentionally through a Cash App integration. That account has a {$200.00} limit and processed a recent transaction. 
Instead of fixing the unexplained restrictions on my original account or allowing me to choose which account to keep, an XXXX representative XXXX my original $ XXXX account without my consent. I did not request that the account be closed. 
I had been intentionally holding the {$600.00} limit to purchase an e-bike and was unable to complete the purchase during Black Friday and Christmas promotions because of the unexplained declines and the eventual closure of my account. 
I am requesting reinstatement of my original account or restoration of the {$600.00} credit limit and full merchant access, as well as a written explanation for the prior transaction declines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a follow-up to my previous CFPB complaint XXXX regarding an ongoing hold on ~ {$29000.00} in settled client payments via Chase XXXX ( Case ID : XXXX ), with no release despite no chargebacks/reversals. 

Since then, Chase has escalated by imposing a {$25000.00} reserve account, withholding 100 % of daily settled sales until reached. This is on top of the original hold, totaling ~ {$54000.00} in tied-up funds from legitimate gym client payments ( personal training, memberships at XXXX XXXX XXXX XXXX ) . 

No funds have been released, yet Chase collected fees/profits. This violates timely access under Regulation E, causing severe business harm ( inability to pay rent/payroll while bills due ). Request : Immediate full release of all held/reserved funds, removal of reserve/hold, XXXX restoration, and written no-adverse-action assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
initially, the complainant filed with CFPB, complaint # XXXX and indicated that she believed that it was identity theft. Believing the debt was identity theft, the complainant filed a police report and complaint # XXXX and filed a theft affidavit with RVO. The initial complainant filed with CFPB was prematurely closed case when RVO stated that complainant had not mentioned identity theft in her letter to RVO.

Since then the complainant was informed by RVO representative informed the complainant that the alleged debt was XXXXXXXX XXXX. 

The complainant found that was impossible when she retrieved her bankruptcy file where her attorney XXXX XXXX. XXXX had paid, not RVO client LHR, but, the true debt owner XXXX finance who had acquired XXXXXXXX XXXX in XXXX. The records show that the XXXX bank last payment was {$240.00}, which the complainant paid personnally to XXXX XXXX. 

It was XXXX that XXXX stipulated that their client LHR had hired them to collect for XXXXXXXX XXXX which was impossible because in XXXX XXXXXXXX XXXX  did not exist, because it was acquired by XXXX XXXX in XXXX and its name was changed. 

Since then the complainant filed a lawsuit XXXX CZ because she found that XXXX had used a address that never exist and the complainant never received any court papers. XXXX argued they were not served and the case was dismissed without prejudice and refiled by complainant XXXX. 
In the process of the complainant 's investigation it was found that XXXX had purposely used an address that never exist on the court documents and the lien papers that made the lien void on its face. 
XXXX had filed a lien in XXXX and XXXX using the complainants correct address, but put the bogus address on the lien and used the bogus address for the servicing. 
When the complainant filed for XXXX to review the certificate of mailing from the XXXX the certification of mailing was addressed to a different party. Also, on the return receipt the complainant found that XXXX had forged her signature on the XXXX return receipt form. XXXX forged XXXX document that allegedly was returned from the bogus address, but, when the complainant sent information to the same address she received the mailing back for insufficient mailing and found that the address did not exist. 

As XXXX had stated in the previous complaint they received correspondence from the complainant with her correct address and the complainant provided her correct address constantly to XXXX and also sent a FOIA request, with her current address. 
XXXX purposely forged the complaints name on the return address, because the bogus address returned mailing stipulating no such address. 

XXXX had purpose signed the complainants name on the bogus XXXX documents which is the basis of her current case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Control, LLC
State: MI

Complaint narrative:
I had a dispute with XXXX XXXX Bank about a transaction which cause my account to be in a negative so when i called to ask about the dispute i was told it was still pending but after while XXXX XXXX closed my account although I was told the dispute was still pending and now they sent it to a XXXX part collection agency that i didn't authorize. Credit Control LLC. I would like either the money I'm being accused of which is XXXX or this taken off my credit report. Thank u.

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 2026-01-03 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: DISCOVER BANK
State: TX

Complaint narrative:
Reason for Complaint : Goods returned ; merchant retains both merchandise and funds I purchased a childs trampoline from a XXXX XXXX seller on XX/XX/year> in the amount of {$89.00}. The item was delivered on XX/XX/year>. 

On XX/XX/year>, I initiated a return through XXXX XXXX and was issued a prepaid XXXX return label by the seller/XXXX. I returned the XXXX lb trampoline using that provided label on XX/XX/year>. 

Return Tracking : XXXX Carrier : XXXX Delivered to merchant : XX/XX/year> Signed for by : XXXX The merchant has the returned merchandise in their possession and has refused to issue a refund. XXXX customer support declined assistance. 

I then filed a billing dispute with Discover and provided documentation of the return and delivery confirmation. Discover denied both my initial dispute and appeal and did not appropriately consider my return proof. 

This situation constitutes unjust enrichment, as the merchant now retains both the product and the funds. This is a violation of my cardholder billing rights under Regulation Z, as the merchandise was returned and the merchant failed to credit my account. 

Requested Resolution : I am requesting reversal of the charge and full credit to my account for the returned merchandise. 

I am attaching tracking proof and delivery confirmation showing the merchant received the item and refused refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a physical card in the mail opened without my knowledge for XXXX XXXX XXXX. After I investigating, I discovered that the hard inquiry to open this account occurred on XX/XX/year>.

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 2026-01-03 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
This complaint is against XXXX XXXXXXXX XXXX ( the issuer of the XXXX XXXX XXXX ), which does not appear in your dropdown menu. 

Failure to investigate " Defective/Unsafe Services '' dispute ( Health Hazard ) - Robinhood Gold Card . 

I am disputing a transaction of {$45.00} from " XXXXXXXX XXXX XXXX XXXX  '' dated XXXX XX/XX/XXXX. The service provided was not just " poor quality '' but objectively unsafe. The merchant 's technician cured chemical adhesive and acrylic products directly onto my living skin and cuticles ( see attached photos ), creating a documented health hazard and risk of injury. 

Timeline of Events : Initial Dispute : I filed a dispute with my card issuer ( XXXX XXXX Bank ) claiming " Services Not as Described. '' It was auto-denied with the generic reason " Services Rendered. '' Appeal : On XXXX XX/XX/XXXX, I filed a formal appeal providing clear photographic evidence of the chemical residue on my skin and proof that the merchant ignored my requests for a refund. 

Refusal to Investigate : On XXXX XX/XX/XXXX, less than XXXX hours after I submitted my detailed appeal, the bank denied it again with a templated response stating " Merchant provided services. '' The immediate speed of this denial proves no human investigation occurred and my evidence of the safety hazard was ignored. 

Legal Violation : Under the Fair Credit Billing Act ( FCBA ), I am entitled to a reasonable investigation of a billing error. The bank has failed to investigate my specific claim that the service was " unsafe/defective '' and instead is relying on a lazy defense that I was physically present at the salon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I received an email stating that PayPal stating that they were no longer allowing services for this account. It was said that there was unusual activity and it was permanently limited. Ive used this service to shop for almost 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I am submitting this complaint regarding XXXX  servicing of my federal student loans under the XXXX XXXX during an ongoing period of litigation and administrative forbearance. 

Despite XXXX Department of Education directives extending IDR recertification deadlines and placing affected borrowers into administrative forbearance, MOHELA has failed to provide consistent, written confirmation of my loan status, interest treatment, or borrower protections. My account information changes from week to week without notice or explanation, and I have been unable to obtain clear answers from a live representative. 

Based on publicly available Department of Education XXXX and XXXXrelated extensions of IDR recertification deadlines, it is my understanding that no payment should be due until at least 2027, and potentially later depending on final court outcomes. However, MOHELA has not provided written confirmation of my payment status, and my account information changes without notice, leaving me unable to determine when, if at all, payments are legitimately due. 

As a result, my loan balance has increased due to interest accrual, I face ongoing financial uncertainty, and there is a risk of inaccurate credit reporting. These servicing failures have caused concrete harm and appear inconsistent with federal borrower protection requirements. 

I am requesting that MOHELA be required to review my account, confirm my forbearance status in writing, correct any improper interest application or credit reporting, and provide clear, consistent communication regarding my repayment options. 

I have submitted a formal written complaint to the Department of Education XXXX of XXXX XXXX and state authorities regarding these same issues.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint because my vehicle is at immediate risk of repossession with Capital One Auto Finance. My auto loan is XXXX  days past due due to a prolonged period of unemployment. I currently have a pending unemployment appeal that will result in retroactive benefits, but I can not make a payment until those benefits are released. 

I spoke with Capital One representative XXXX on XX/XX/year>, who informed me that they can not place a temporary repossession hold without a minimum payment of {$260.00} today in order to obtain a payment plan for there to be a pause on the repossession and bring my account current. I am requesting an immediate repossession pause and consideration for hardship accommodation while my pending unemployment benefits are processed. 

I am actively seeking employment and will make payments as soon as my benefits are released. I am asking Capital One to temporarily halt any repossession activity, escalate my account to the hardship or recovery team, and provide a written response regarding the outcome. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to dispute multiple accounts appearing on my Equifax, Experian, Trans Union credit report. These accounts are fraudulent and were opened or reported without my authorization. I have not opened, authorized, or otherwise been responsible for these accounts, and I consider this an identity theft situation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Accounts in Question : XXXX. XXXX ( XXXX XXXX ) {$800.00} XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX ) {$4800.00} XXXX. XXXX ( XXXX XXXX XXXX ) {$260.00} Under the FCRA, Equifax is required to conduct a reasonable investigation of disputed information and remove any accounts that can not be verified as accurate. I am requesting that you : Immediately block these fraudulent accounts from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ).

Provide written confirmation that these accounts have been removed. 
Provide an updated copy of my credit report reflecting these changes. 

I am attaching documentation supporting my identity theft claim, including a copy of my FTC Identity Theft Report. 

Please investigate and remove these fraudulent accounts without delay, and confirm in writing the outcome of your investigation. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation