vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 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: NY

Complaint narrative:
I am writing to follow up on a fraud dispute I previously filed. I am contesting a transaction that I did not authorize ; my younger sister attempted to book a tattoo without my permission and was subsequently scammed by the artist. I have spoken with several representatives and am concerned that my dispute has been repeatedly denied within 48 hours. Furthermore, I have experienced several instances where calls were disconnected after I mentioned the substantial evidence I provided proving I did not send these funds and that no services were rendered. When I questioned the security of the transaction, I was told it was authorized because my information was used. However, XXXX Support confirmed they were never contacted to verify my identity or investigate a potential bypass of my security settings. Additionally, a representative advised me to keep my transactions turned off, even with a new virtual card, which has hindered my ability to use my account. I am sending this email at the advice of my financial advisor to maintain a written record of this matter. If this is not resolved, my next step will be to file a formal complaint with the Consumer Financial Protection Bureau. Regarding this instance with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
- Im writing to file a complaint against UNITED REVENUE for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
A 15 U.S.C. 1692c ( c ) letter ( Cease and Desist Letter ) notifies a debt collector to stop contacting you, as mandated by the Fair Debt Collection Practices Act. Once the collector receives this written notice, they must stop all communications except to confirm termination or advise of specific legal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase claims the funds were escheated to Illinois, but the Illinois State Treasurer has confirmed in writing that it does not hold the funds. Chase has not provided the name, tax ID, report number, transaction ID, or remittance details necessary to trace the funds. I am requesting documentary proof of where the funds were sent or reimbursement of the money order amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I visited the Wells Fargo Bank branch to withdraw {$9000.00} from my account. The funds were fully available, and I came prepared with multiple forms of verification, including my drivers license and additional documentation, specifically to avoid any issues. From the moment I arrived, the experience was completely unprofessional. XXXX, the teller assisting us, was extremely rude and dismissive. My wife and I were left sitting there for over 30 minutes with little communication or explanation. During that time, another employee named XXXX approached and was also extremely rude and unprofessional, including making uncomfortable facial expressions and repeatedly looking my wife up and down in a disrespectful manner. After making us wait over half an hour, XXXX initially stated they were going to process the withdrawal, only to suddenly refuse to complete it without providing any legitimate explanation. I asked to speak with the branch manager and was told there was no manager available. I then specifically asked whether there were any holds, restrictions, or issues with my account, and they could not provide any reason for denying me access to my own money. I immediately contacted Wells Fargo customer support directly, and they confirmed there were no issues, holds, or restrictions on my account. They explained my ATM withdrawal limits but specifically stated that if I went into a branch and the funds were available, there should have been no reason I could not withdraw my money. To confirm this, I drove to another Wells Fargo branch approximately 10 minutes away, completed the same verification process, and was able to withdraw my funds with no issues at all. I was in and out within 10 minutes at the second branch. The treatment I received at this XXXX branch was humiliating, unprofessional, and completely unacceptable. XXXX and XXXX made me feel uncomfortable trusting Wells Fargo with my finances, and I believe their conduct reflected extremely poor customer service and abuse of discretion without explanation. I am requesting that this complaint be formally documented and reviewed by management. XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx 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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A legal hold was put on my account. Capital One was sent information back in XXXX that they said did not fit their criteria. New information was sent to Capital One on XX/XX/year>, it has been XXXX business days ( which is their processing time limit ) and they still havent processed the information. If this is not rectified quickly, I will get a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am not affiliated with these accounts, and they should be removed within XXXX days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> I had XXXX in my Cash App account and I was scammed. Scammer called pretending to be from XXXX which is my XXXX and said I had fraud and since my bank was connected to my XXXX and Cash App they needed me to move all my money out of accounts and put on a card that he gave me numbers for so they could run a diagnostic check. Well I did it and then after I just didnt think it felt right so when I checked he had unlinked my card leaving me with nothing. Cashapp wont help because they said I did the transactions even though I explained it all and that the bank was investigating and I had filed with federal reserve. I asked that they look at my past transactions and they would see its not the normal for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: CO

Complaint narrative:
On XX/XX/year> I booked a reservation for a rental vehicle through XXXX. I used a third party app called Zip for this rental vehicle. I have used this app many times before and I have never had an issue. The rental vehicle costed {$620.00} and Zip took an initial payment of {$220.00} for the rental. When going to pick up the rental the company ( XXXX ) didnt receive the full payment and didnt have the vehicle. The vehicle was in my partners name and immediately told him to tell XXXX to cancel the reservation. They said they would and didnt. My husband called three times and the worker stated you werent charged anything so it doesnt matter. I then chose to contact both XXXX and Zip. XXXX to ask them to cancel the reservation and Zip regarding the lack of payment in full and wanting my money back. Zip stated that the order was canceled, you might see a pending charge and the charge would fall off. It wasnt a pending charge and the payment posted in my bank account. They also stated that they would need proof of cancellation. XXXX wouldnt cancel the reservation and XXXX refused to listen and understand that I needed proof of the cancellation in order to get a refund. My issue is not only with ZIP lack of communication and taking money that should have gone towards a rental. My problem is also with XXXX. I called and explained that I used a third party app, they didnt pay the full amount of {$620.00} for the car rental they only paid {$88.00}. Im not sure why they didnt pay you but they still charged me. They refused to cancel it, told me that I didnt pay the amount I stated, didnt know what a buy now pay later plan was. Hung up in my face, refused to send me to a supervisor, had me send proof and then told me they didnt receive the proof and it goes on and on. All I needed was for the reservation to be cancelled and I could provide ZIP with proof. I also had someone record the call and I did tell XXXX the email I use doesnt have my name. But with every booking I have done I put my real name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I disputed this debt with XXXX and XXXX, but the account continues to be verified without adequate investigation into whether services or equipment were ever actually provided to me. I attempted to open a XXXX account in-store, but the transaction was never completed due to issues with the employee processing the application. I left the store before the process was finalized. I never received an XXXX, never activated service, and never used any XXXX services. Despite this, Jefferson Capital continues reporting this account as valid. Simply matching my identifying information to an unfinished application does not prove that a valid debt exists. I am requesting that Jefferson Capital provide documentation showing : * Proof a device was delivered or received by me * IMEI/device records * Proof service was activated * Usage or billing records * A signed agreement showing completed acceptance of services/equipment If this documentation can not be provided, I request deletion of this account from all credit reporting agencies because the debt has not been properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported on my credit reports. I have disputed these inaccuracies with the credit bureaus and/or furnishers, but the incorrect information continues to be reported without proper investigation or correction.The account ( XXXX ) in question include inaccurate reporting related to account ownership, account information, and personal identifying information. Specifically, there are names, addresses, and phone numbers listed on my credit reports that do not belong to me. The only correct personal information that should remain on my credit report is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX I am requesting the removal of all inaccurate names, addresses, phone numbers, and any other incorrect personal identifying information associated with my credit file.In addition, I dispute the reporting of the following account ( XXXX ) : XXXXXXXX XXXX account XXXX account ending in XXXX XXXX Southwest XXXX XXXX XXXX XXXX I request that the companies provide full verification and documentation proving the accuracy of these accounts, including signed agreements, complete payment history, and proof that these accounts belong to me. If they can not properly verify the information, I request immediate deletion of the inaccurate accounts and related negative reporting from all consumer reporting agencies.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to conduct a reasonable investigation and report only accurate information. Failure to correct or remove inaccurate information after notification may constitute noncompliance with federal law. I am requesting : Removal of all inaccurate personal information from my credit reports Proper investigation of the disputed accounts Written confirmation of the results of the investigation Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Company : Chime ( https : XXXX? XXXX ) Complaint : On XX/XX/year>, I used Chimes Pay Anyone feature to send {$160.00} to XXXX XXXX XXXX XXXX : $ XXXX, phone number : XXXX ) for the purchase of a television. The seller accepted payment but never delivered the TV and I never received the item. I attempted to resolve the matter directly with the seller but was unsuccessful. I contacted Chime requesting assistance and a fraud review because the payment was obtained through false promises and misrepresentation. I am requesting that Chime fully investigate this transaction, review the recipient account for possible fraudulent activity, and determine whether reimbursement or recovery options are available. I have screenshots, transaction confirmations, and communications supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I disputed this information in the past it was reviewed and deleted from my account as I have proven it is not my account. They proceeded to place the account back on my credit affecting my credit and getting me denied from housing.

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I called Chime on XX/XX/XXXX regarding my mothers passing, the closure of her account, and what I needed to do to access the remaining funds in the account so I could handle her outstanding debts and estate matters. During that call, I was given an email address and instructed to submit documentation, including the death certificate, my drivers license, and address verification. After submitting those documents, I received another email requesting the death certificate again, which I resent. I then received another request for an affidavit regarding where the funds would be sent, which I also submitted. After that, I was informed that the format of the affidavit was not acceptable and was told I needed to print the document, take a photo of it, and resend it. I complied with that request and submitted the document again as instructed. I then called Chime on XX/XX/XXXX because I had not received any updates or communication since the last submission in XXXX. During that call, I was told they did not have anything I had previously submitted, so the entire process had to be restarted. I was again asked to send all requested documents, which I did multiple times. Since then, I have called back several times attempting to confirm whether the documents were received and to get an update on the status of the deceased account review. It took approximately 15 minutes of repeatedly asking for escalation before I was finally connected to a supervisor. Unfortunately, the supervisor focused more on my own past Chime account than on my deceased mothers account and was unable to provide meaningful information regarding the status of the estate paperwork or remaining funds. At this point, I still have no confirmation that the documents were received, no timeline, no status update, and no guidance on whether additional paperwork is needed or whether there is simply a waiting period. Chimes deceased account department only communicates through email, and there is no direct way to speak with anyone in that department. It should not be this difficult to obtain basic information and direction after the death of a parent. I am simply trying to access the remaining funds from my mothers account so I can take care of her debts and final affairs, but despite repeated attempts and repeated document submissions, I have been unable to get any meaningful assistance or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
The debt is passed 4 year statue of limitation status. Also the collector is listening itself as the original card holder. The debt collector is masking the true Delinquent date by using a XXXX purchase date. The original account defaulted during the covid XXXX epidemic. The date the true date is older than reported. If the collector bought these accounts in XXXX the original credit cards we're most likely charged off long before XXXX. If they altered the date of delinquency from XXXX to XXXX to stay on my record longer they are committing an illegal act. The statute of limitation. For lawsuit, it's 4 years, which we are well beyond the 4 years. Not only is the information inaccurate, I believe they are fraudulently and misleading me about the information. Again, the information about these credit cards or fraudulent. They are not the original creditors and the dates have been changed This debt should be taken off of my report and they should be reprimanded for the illegal tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a open bank Bank of America account that has been open and has been used for transaction without my permission without my knowledge

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 2026-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Money was taken out of my account for a flight 3 times, when I tried to contact the booking agency I cant get through, so I call XXXX and XXXX tells me to call the booking agency and theyre is no way to get through or file a complaint I spoke to the bank they gave the money and went right ahead and took it out my account again ( also provided proof that the booking site is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal credit Union I am filing this complaint against Navy Federal Credit Union for a direct violation of Regulation E dispute processing timelines. One month ago, I filed a dispute for a hotel billing error. The total charge was {$380.00}. Due to a severe roach infestation, I checked out after one night. The hotel issued a manual partial refund of {$200.00}, leaving an unreturned balance of {$180.00} for nights I did not stay. Navy Federal representatives verbally confirmed two weeks ago that their system shows the hotel failed to return the remaining {$180.00}. I was explicitly promised a provisional credit while the case was reopened. It has now been over 30 days, completely exceeding the 10-business-day federal limit for issuing provisional credit under Regulation E. I am currently experiencing homelessness and severe financial hardship. On XX/XX/year>, I called again, and Navy Federal explicitly told me I was denied my legal right to provisional credit and that I must wait up to 90 days, which is an illegal violation of Regulation E timeline protections. I demand my {$180.00} provisional credit be applied immediately. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation