vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of a debit card dispute and its refusal to apply RegulationE errorresolution procedures. On XX/XX/XXXX, funds totaling {$5200.00} were debited from my personal checking account via debit card transactions. On XX/XX/XXXX, I notified Capital One and disputed the transactions as merchandise/services not as described because material terms and limitations affecting the usability and value of the services ( including redemption and playthrough restrictions ) were not clearly disclosed at the time of purchase. This is a consumer debit card transaction on a personal account that is well over 30 days old, and the dispute was reported within days of the transactions. My dispute alleges an incorrect electronic fund transfer, because although I authorized payment, the electronic debits were induced by materially incomplete disclosures and resulted in funds being transferred for services materially different from what was represented at the time of authorization. RegulationE does not limit incorrect electronic fund transfers to unauthorized or bankerror transactions, and authorization alone does not remove RegulationE applicability. More than XXXX business days passed after I reported the dispute without Capital One issuing provisional credit or completing its investigation. Capital One representatives and a supervisor advised me verbally that the dispute was not eligible for provisional credit because it was classified as goods not as described and therefore not RegulationE. On XX/XX/XXXX, I sent Capital One a written request asking for clarification of how the dispute was classified, whether it was being treated as a RegulationE error, and identification of the specific regulatory basis for denying provisional credit. More than 7 days have passed since that written request, and I have not received a response. During a subsequent call with a Capital One supervisor, I was informed that Capital One could not provide written notice explaining why the dispute was not classified under RegulationE or identifying the regulatory basis for denying provisional credit. Capital One has denied RegulationE protections for a timely consumer debitcard dispute and has refused to document or explain the legal basis for that determination in writing. I believe this reflects a failure to follow RegulationE errorresolution and provisionalcredit requirements and prevents me from understanding or exercising my consumer rights. I am requesting CFPB review of Capital Ones handling of this dispute, including its refusal to apply RegulationE procedures or provide written justification for denying RegulationE classification and provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: URS Holding, LLC
State: TX

Complaint narrative:
I called to tell them that is was fraud and to stop calling. They told me they don't care and that i will be going to jail soon if i don't pay today. I told the i want to send a Debt Validation Letter. They refused to give me an address to confirm the information. They have been calling me at night at 2 and 3 in the morning for the past few months. I have the letter ready to send to start this process. I am also report that my identify has been stolen and will be filing a police report.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX unauthorized XXXX withdrawals of XXXX each were taken from my TD Bank account by XXXX XXXX. I do not have an account or relationship with XXXX XXXX and did not authorize these transactions. In XXXX of XXXX I discovered these unauthorized transactions and immediately contacted TD Bank to file a dispute under Regulation E. During this process TD Bank also investigated similar unauthorized transactions from XXXX XXXX from the same time period and issued a credit confirming that my account information had been compromised. However TD Bank denies my claim for the XXXX XXXX transactions stating they were authorized but did not provide any documentation or proof of authorization. Throughout the investigation I was given conflicting information by TD representatives including statements that credits were being processed or received. I was later told that the claim had been denied and I did not receive the denial letter until days after I requested it. I requested proof of authorization and a clear explanation for the denial but none was provided. I am requesting TD reopen the investigation, provide proof of authorization and credit my account for these unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: AR

Complaint narrative:
On XX/XX/year>, I received my XXXX from Kraken, operating under Payward Ventures , Inc. , which contained an incorrect address, my old California address instead of my current Arkansas address . This is a material error that directly affects my state tax filing. I contacted Kraken support on XX/XX/XXXX. They requested that I update my driver 's license in the app, which I did that same day with my correct Arkansas address. Despite this, the incorrect XXXX was never corrected or reissued. I followed up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every single response I received was a variation of " your case has been escalated '' with no resolution, no timeline, and no substantive update provided. The support chat was closed on me without resolution. I also want to note that the XXXX ( with the incorrect address ) was not sent until XX/XX/year>, nearly a month past the XX/XX/XXXX deadline required for recipient delivery of this form type. This left me with very little time to identify and dispute errors before the XX/XX/XXXX tax deadline. As of today, XX/XX/year>, Ticket # XXXX remains unresolved. I still do not have a corrected XXXX and the federal tax deadline is 14 days away. I have attached screenshots of the support chat with Kraken below.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DailyPay, Inc
State: SC

Complaint narrative:
On XX/XX/year>, I received an automated notification indicating that my DailyPay account password had been changed and that a bank account had been added to my profile. These actions were taken without my knowledge or authorization. I did not complete the activation of my DailyPay account, nor did I intend to use the service. Despite the lack of authorization, on XX/XX/year>, a withdrawal in the amount of {$560.00} was processed and transferred to an XXXX XXXX XXXX XXXXXXXX account that does not belong to me. Upon discovery of this unauthorized transaction, I promptly notified both my employer and DailyPay that the activity constituted fraud. I further documented the matter by filing a police report with the XXXX XXXX, South Carolina Police Department. I was subsequently advised that the fraudulent activity had been identified in time and that the funds would be reversed prior to my scheduled payday on XX/XX/year>. However, on that date, no portion of my paycheck was deposited. After contacting my employer, I was informed that DailyPay intercepted and is currently withholding my entire paycheck in the amount of {$1700.00}, allegedly pending contact with me. This assertion is inaccurate, as I have made numerous documented attempts to contact DailyPay to resolve this matter. I was instructed that I must speak exclusively with a representative identified as XXXX, whose stated availability is XXXX XXXX to XXXX XXXX XXXXXXXX. Despite repeated calls during these hours, I consistently reach voicemail and have received no return communication. Additionally, when contacting DailyPays general customer service line, I was advised that no assistance would be provided by any other representative, and that resolution is contingent solely upon speaking with XXXX. At present, DailyPay is unlawfully withholding my earned wages without my consent, despite the fact that the underlying issue resulted from confirmed fraudulent activity reported in a timely and cooperative manner. This continued withholding has caused significant financial hardship, as these wages are necessary to meet basic living expenses and support my dependents. Accordingly, I hereby formally demand the immediate release and deposit of my full earned wages, along with a written explanation detailing the legal basis, if any, for the continued withholding of my paycheck. I further request confirmation of all actions taken on my account and documentation supporting DailyPays authority to intercept and retain my wages under these circumstances. Please treat this matter with urgency. Failure to resolve this issue promptly may require further action, including escalation to appropriate regulatory agencies and pursuit of available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Gulf States Financial, L.L.C.
State: TX

Complaint narrative:
I am filing a complaint regarding a GAP contract associated with my auto loan for a XXXX XXXX XXXX financed through XXXX XXXX XXXX. On XX/XX/XXXX, my vehicle was involved in an accident and deemed a total loss. At the time of loss, a XXXX contract was in place and intended to cover any remaining deficiency balance. After the loss, I attempted to initiate a XXXX claim. On XX/XX/XXXX, I contacted the XXXX XXXX after their online portal indicated that my contract was not active. In response, I was told that a claim could still be started and that I needed to submit documentation via email or fax. At no point during this communication was I informed that my claim would be denied due to timeliness or lack of insurance coverage. I was later informed that : The GAP contract had been canceled by the selling dealership on XX/XX/XXXX, after the date of loss My claim was being denied based on late notice My claim was being denied due to lack of physical damage insurance coverage I have several concerns with how this matter has been handled : XXXX. Inconsistent Claim Handling : The XXXX XXXX initially indicated that my claim could be processed, but later denied it without acknowledging the prior communication. XXXX. XXXX XXXX XXXX : The XXXX contract was canceled after the date of loss, despite the loss event already having occurred. This raises concerns that my rights under the contract were improperly affected. XXXX. Lack of Clear Disclosure : I do not recall receiving a copy of the GAP agreement at the time of purchase or being clearly informed that failure to maintain specific insurance coverage would void GAP eligibility. XXXX. XXXX and XXXX Issues : When I attempted to file a claim, the online portal indicated my contract was inactive, which may have prevented timely submission and contributed to the delay. 5. Application of the 90-Day Notice Requirement : The contract states that notice must be made within 90 days of the later of insurance settlement or notification of deficiency. In my situation, there was no insurance settlement, and I was not clearly notified of a deficiency balance in a way that would reasonably trigger this requirement. As a result of these issues, a balance of approximately {$10000.00} has been charged off and is negatively impacting my credit, despite the existence of XXXX coverage intended to address this type of loss. I made multiple good faith attempts to resolve this directly with the XXXX XXXX but was unable to obtain a fair or consistent resolution. I am requesting : A full and fair review of my GAP claim based on the date of loss Clarification of the contract cancellation and claim handling timeline Review of whether proper disclosures were provided at the time of sale Assistance resolving the outstanding deficiency balance associated with this claim

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went to a Citi bank atm in XXXX XXXX XXXX. I deposited {$180.00} in the atm ( XXXX, XXXX dollar bills ) the atm took my money and DID NOT credit my account. I then called Citibank, asked them to review the cameras and bank tape to verify my deposit. They have yet to do that. And I feel that are robbing me of {$180.00}.

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 2026-04-01 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:
Chase bank. I discovered multiple unauthorized transactions in the form of remotely created/digital checks debited from my account. I did not authorize these transactions in any way, nor did I provide permission to any company or entity to create or process these items. JPMorgan Chase denied my claim, stating that all online remote transactions are authorized and that my claim falls outside their reporting timeframe. This response is inadequate and incorrect for the following reasons : 1. Lack of Proof of Authorization The bank has not provided any evidence that I authorized these transactions. A transaction being conducted remotely or electronically does not constitute valid authorization. I am requesting documentation showing the specific authorization relied upon, including timestamps, IP/device data, or any authorization agreement. 2. Improper Blanket Determination Chases assertion that all remote or digital check transactions are authorized is factually and legally flawed. Unauthorized remotely created checks are a known form of fraud. The bank appears to have denied my claim based on assumption rather than a reasonable investigation. 3. Failure to Conduct a Reasonable Investigation The denial suggests that Chase relied solely on timing rather than evaluating whether the transactions were actually authorized. This does not meet the standard of a reasonable investigation into fraud. 4. Unauthorized Nature of the Transactions These transactions were not initiated, approved, or knowingly permitted by me. If my account information was used, it was done without my knowledge or consent. 5. Consumer Protection Concerns Even if the bank believes reporting was delayed, that does not eliminate the requirement to investigate unauthorized transactions or provide proof of authorization. I did not knowingly benefit from or participate in these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account relates to a Pell Grant overpayment through the U.S. Department of Education that was placed into collections. I was not aware of the {$700.00} balance prior to it being reported as a collection. I have since resolved the balance in full, and the account is now reported as a closed/paid collection. However, it continues to be reported as a collection account on my credit reports with Equifax and TransUnion, which is negatively impacting my credit score. I previously disputed this account with both credit bureaus, which resulted in it being updated to a paid/closed status as of XX/XX/year>, but it was not removed. Additionally, this account is not negatively impacting my Experian credit report, indicating inconsistent reporting across credit bureaus. Given that the account has been fully resolved and is no longer active, and due to the inconsistent reporting, I am requesting that this account be fully investigated and removed from my credit reports.

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 2026-04-01 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: FL

Complaint narrative:
On XX/XX/2026, I made a purchase at XXXX XXXX in the amount of {$530.00}. The transaction was completed in-store but processed as an online order at the register. Approximately XXXX week later, I was contacted by the merchant and informed that the items were out of stock and on backorder with no definite restock date. I was given the option to wait, choose alternative items, or receive a refund. I chose a full refund and was told it would be processed immediately over the phone, with an expected timeframe of XXXX business days. After XXXX business days passed with no refund received, I contacted the store and was told the refund appeared to have been processed on their end. I was then directed to contact corporate customer service. Over the next several weeks, I attempted to resolve the issue directly with the merchant, calling multiple times per week and receiving inconsistent responses. On XX/XX/2026, I visited the store in person for further clarification. A store representative acknowledged the issue and suggested I contact my financial institution, Cash App, to resolve the matter. I filed a dispute with Cash App regarding this transaction. However : I have not received any provisional credit I have not been able to communicate with anyone directly handling my dispute I have been given inconsistent and unclear timelines I have not received any meaningful updates or resolution This is not a dispute regarding product quality or delivery. The merchant has acknowledged that the items were unavailable and that I am owed a refund. Therefore, this is a straightforward case of a canceled transaction with a missing refund. Under Regulation E ( Electronic Fund Transfer Act ), Cash App is required to conduct a timely investigation and provide provisional credit when appropriate during the investigation process. Cash App has failed to meet these obligations. I am requesting : Immediate provisional or permanent credit of {$530.00} A clear and timely status update regarding my dispute Confirmation that Cash App is complying with Regulation E requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was reading about the lawsuit against Navient for forcing me in a long-term forbearance ( where interest built up ) in 2017 or earlier instead of being told about Income-Driven Repayment ( IDR ) plans. The lawsuit is suppose to pay out {$120.00} XXXX dollars across those affected

Company response to consumer: Closed with explanation